جزوه اقتصاد مرونال

Mrunal_PCB3_Pillar1.pdf (p.1-210) !!AbAn!! EF1A1_HDT_Money_Barter_to_Bitcoins_PCB3.pdf (p.1-29) 10 💸Economy Pillar #1-A1) Money: Barter to BitCoin 10.2 🍅🌽 Barter system & its disadvantages: (वस्तु विनिमय प्रणाली) 10.3 📏Money: Functions of (पैसे के कार्य) 10.5 🤫💸👜🥚 Redenomination: drop zeros, change name 10.5.1 🤫💸👜🥚 Iran = Toman to replace Iranian Riyal (2020) 10.6 🐷🔖Bank Money / Deposit Money 10.6.1 🐷🔖 Paper orders: Cheque, Demand Draft (DD) 10.6.2 🐷🔖 Cheque → NPCi’s Cheque Truncation System (CTS-2010) 10.6.3 🐷🔖🤳 Cheque → Positive Pay Mechanism for Cheques 10.7 🐷💸📡 Electronic Orders / Digital payment 10.7.1 💸📡CBS ( full form: Core Banking Solution / हिन्दी अनावश्यक) 10.7.2 💸📡Next Generation Treasury Application (NGTA), 2020-Oct 10.7.3 💸🤳🏻🤷🏻♂️🤳🏻Interoperability Problem (इंटरोऑपरेबिलिटी) 10.8 🕵🏻What is NPCi? 10.8.1 QR Codes: compulsory to implement UPI/Bharat QR from 2022 10.8.2 👨⚖️📜🗓 Perpetual Licence for Payment System Operators? 10.8.3 👨⚖️New Umbrella Entity (NUE) for Retail Payments System (2019) 10.8.4 🤳🏻 Google Gpay / Tez App 10.8.5 💸📡 Digital Payment- Misc: → Semi-closed PPI (2019) 10.9 💳 Credit & Debit Cards (also called ‘Plastic Money’) 10.9.1 💳 Card Types based on Security Features: (सुरक्षा प्रणाली के हिसाब से कार्ड के प्रकार) 10.9.2 💳 📧 Card Tokenization (RBI allowed it, 2019) 10.9.3 💳 🚕 National Common Mobility Card (NCMC, 2019) 10.9.4 💳 🚕 FASTag for paying toll fees at highways (2017) 10.9.5 💳 🏧 ATM and its Types 10.10 💳 MDR: Full form: Merchant Discount Rate (व्यापारिक छूट दर) 10.11 💸📡🤳🏻 📈 Measures to promote Less-Cash Economy 10.11.1 🕵🏻📒 RBI’s Nandan Nilekani Panel (2019: Jan to May) 10.11.2 🕵️♂️ 💳📯 Payments Infrastructure Development Fund (PIDF) 2020-Jun 10.11.3 🕵️♂️ 💳 📯 Scheme of Offline Retail Payments Using Cards and Mobile Devices 10.11.4 🕵🏻📒 Payment and Settlement Systems in India: Vision 2019 – 2021 10.11.5 🕵🏻📊RBI Digital Payments Index (DPI: डिजिटल भुगतान सूचकांक) 10.12 🕵️♂️ 💳 Digital Payment Regulatory bodies 10.12.1 🕵️♂️ 💳 Digital Transactions Ombudsman (2019) 10.12.2 🕵️♂️(Proposed) Payment Regulatory Board (PRB) 10.13 🔗💮 Crypto-Currency & Blockchain Technology 10.14 🔗💮 Cryptocurrency legal status: → India 10.14.1 💮🔗🐯 Cryptocurrency & India → RBI ban revoked by SC 10.14.2 India → ⚖️🔗💮 Banning of Cryptocurrency Bill, 2019 10.14.3 🔗💮 Cryptocurrency usage outside India (विदेशों में क्रिप्टो मुद्रा का प्रयोग) 10.14.4 🔗💮🥇 Cryptocurrency → Stable-coins 10.14.5 🔗💮🥇 Cryptocurrency → Stable-coins → Facebook’s Libra 10.15 🐯🔗💮 Central Bank Digital Currency (CBDC) 10.15.1 🐯🔗💮=👌🥰Benefits of CBDC (फायदे) 10.15.2 🐯🔗💮= ✋🥵Challenges of CBDC (चुनौतियां) 10.15.3 🐯🔗💮✍🏻 CBDC: Conclusion (निष्कर्ष) 10.16 ✍️Essay: Cashless Economy- Charms and Challenges 10.16.1 ✍️ Conclusion: Cashless Economy (निष्कर्ष) 10.16.2 ✍🏻🎷🌞1️⃣✋ Mock question for Mains/ESSAY 10.4 💵 Money: Evolution & Types (मुद्रा की उत्क्रांति व् प्रकार) 10.4.1 🥜Commodity Money / वस्तु मुद्रा (Intrinsic value: अंतर्भूत मूल्य? Yes) 10.4.2 🥇Metallic Money / धातु मुद्रा (Intrinsic value? Yes) 10.4.3 💵Paper Money / कागजी मुद्रा (Intrinsic Value? No) 10.4.4 💵⚖️Legal Tender (वैधानिक निविदा) 10.4.5 👩🦯 (New) Visually Handicapped (VH) friendly Coins, 2019-March 10.4.6 👩🦯🤳🏻RBI’s App to help the blind identify currency notes 10.4.7 💵 (NEW) Mahatma Series Currency Notes in India 10.4.8 💵 “I promise to pay the bearer...”: Meaning of this promise? 10.4.8.1 💵 Demonetization of Fiat Money (विमुद्रीकरण: Previously 1946, 1978) EF1A2_HDT_RBI_Monetary_Policy_PCB3.pdf (p.30-65) 11 🤑Money’s Demand, Supply & Creation 11.11 🤲 Demand of Money: Liquidity Preference Theory (तरलता अधिमान) 11.12 💸📥Supply of Money (मुद्रा की पूर्ति) 11.12.1 💸📥📐Measures of Money Supply (मुद्रा आपूर्ति के परिमाण) 11.13 💸📥📐Factors Affecting Money Supply [M1, M3] 11.13.1 😷💸📥📐Corona-2020 impact on Money Supply M0 and M3 as per 📔📔ES21 11.14 💸🖨 Creation of Money (मुद्रा का निर्माण) 11.15 💸⚡️Money Multiplier (मुद्रा गुणक) 11.15.1 💸⚡️Money Multiplier Before Corona as per 1212ES20 11.15.2 💸⚡️: 😷Corona-2020 impact on money multiplier as per 1212ES21 11.15.3 💸 Misc. topic: Velocity of Money Circulation (मुद्रा संचालन का वेग) 12 🐯📢 Monetary Policy (मौद्रिक नीति) 12.11 🐯📢📐 MonPolicy: Quantitative Tools (परिमाणात्मक साधन) 12.11.1 🗄✂️Statutory Reserve Requirements: CRR, SLR (Fight inflation: ↑, deflation: ↓) 12.12 🐯🗄✂️🗓 CRR, SLR: Development in Recent Years 12.12.1 🐯🗄✂️🗓 (2016): Incremental CRR during Demonetization (नोटबंदीमे वृद्धिशील सीआरआर) 12.12.2 🐯🗄✂️🗓 (2020-Feb) CRR Exemption for 5 yrs, depending on loans (सीआरआर में छूट) 12.12.3 🐯🗄✂️🗓 (2020-Mar) CRR ⏬ from 4% to 3% in 👻Atmanirbhar Bharat 12.12.4 🐯🗄✂️🗓 (CRR Technical things NOTIMP 12.12.4.1 🗄✂️🗓 SLR reduction to 18% of NDTL 12.12.5 🐯📢📐 MonPolicy → Quant Tools → Rates → Bank rate (बेंक दर): 12.13 🐯📢📐 MonPolicy → Quant Tools → Rates → LAF Repo (2000) 12.13.1 (2020) 🐯🤧:Repo Rate ⏬ to cheapen the loans & revive economy 12.13.2 (2020) 🐯🤧Reverse Repo Rate cut & Policy corridor Changed asymmetrically 12.13.3 (2020) 🐯🔪🗓 Long Term Repo Operations (LTROs) 12.13.4 🐯🔪🏦🙊:Targeted Long Term Repo Operations (TLTRO: लक्षित दीर्घकालिक रेपो) 12.13.5 🎓1TLTRO- Useless Doubts by novice students (बाबू-शोना /कच्चे खिलाड़ियों के फालतू प्रश्न) 12.13.6 🐯🔪🏦🙊 RBI’s special or flexible liquidity window to help MF 12.13.7 🐯📢📐 MonPolicy → Quant Tools → Rates → MSF (2011) 12.13.8 MonPolicy → Quant Tools → ®️ Rates- associated terms 12.13.9 🐯📢📁 Market Operations (OMO, MSS): (Inflation → Sell G-Sec, Deflation → Buy) 12.14 🐯📢🗃🧬MonPolicy: Quantitative Tools → Operation Twist 12.14.1 🔪🗃: Security → Debt → G-Sec & Bonds (ऋण के लिए जारी की गई प्रतिभूतियां) 12.14.2 🔪🗃:🤵Corporate Bonds: factors that determine its interest rate 12.14.3 🔪🗃: 🤑 Bond Yield (बांड में निवेश करने पर होने वाली आय या मुनाफा) 12.14.4 🔪🗃: 🤑 Bond Yield ∝ 1/Price (सस्ते में खरीदा तो मुनाफा ज्यादा) 12.14.5 🔪🗃: 🤑 Bond yield: other factors affecting it (अन्य कारक) 12.14.6 🐯📢🗃🧬Operation Twist: why? 12.14.7 🐯📢🗃🧬RBI’s Operation Twist: methodology (2019-Dec) 12.14.8 ✋🎓 🔪🗃: 🤑 Bond Yield & Inverted Yield Curve: Concepts with poor cost-benefit for exam 12.15 🐯📢🌽 Monetary Policy: Qualitative Tools (गुणात्मक साधन) 12.15.1 🙇🏼 Moral Suasion (नैतिक दबाव / सलाह) & Publicity (प्रचार) 12.15.2 🦵🏾🚯 Direct Action (सीधी कार्यवाही: क्योकि लातो के भुत बातो से नहीं मानते) 12.15.3 💍 Margin Requirements / Loan to Value (LTV) (सीमा अनिवार्यता) 12.15.4 Selective Credit Control (चयनात्मक ऋण नियंत्रण) 12.16 🐯📢🌽 Priority Sector Lending (PSL: प्राथमिकता क्षेत्र के लिए ऋण मानक) 12.16.1 🐯📢🌽 PSL Reforms-2020: on RRB/SFB/UCB? 12.16.2 🐯📢🌽 PSL Reforms-2020: Startups, Renewable Energy and Healthcare 12.16.3 🐯📢🌽 PSL Reforms-2020: Weightage to poor districts (गरीब/पिछड़े जिलों को भारांक) 12.16.4 🐯📢🌽:📜 Priority Sector Lending Certificates (PSLC) from 2016 onwards 12.17 📢 👁🗨 Monetary Policy Tools: A Ready Reckoner Table 12.18 📢 Monetary Policy in Present-Day India 12.18.1 📢 Monetary Policy Making under RBI Act since 2016 12.19 📢 Review of Monetary Policies 12.20 🐯🤧📢RBI’s Monetary Policies: Corona MarchToApril’20 12.20.1 👻ATMANIRBHAR → Gist of RBI’s March2April 2020 Announcements: 12.20.2 🐯🤧📢RBI’s Monetary Policies: 2020-August 12.20.3 🐯🤧📢RBI’s Monetary Policies: 2020-October 12.20.4 Monetary Policy: 2020-December 12.20.5 Monetary Policy: Feb-2021 update 12.20.6 ✋🚫 Monetary Policy bi-monthly announcements: ignored 12.21 🔪🤲🏻🏠🛵 Banks’ Lending Rates % (बैंक ऋण की व्याज दरें) 12.21.1 🔪🤲🏻🏠🛵 Bank’s loan interest rate: MCLR system(2016) 12.21.2 🔪🤲🏻🏠🛵 Bank’s loan interest rate: External Benchmark (बाहरी बेंचमार्क) 12.21.3 😷Corona-2020 impact on Deposits interest rate & Loans interest rate as per 1212ES21 12.22 🔇 Limitations of Monetary Policy in India (मर्यादाए) 12.22.1 ✍️Conclusion / निष्कर्ष 12.22.2 ✍🏻🎺🌞1️⃣✋ Mock Questions for UPSC Mains/GSM3 (250 words) EF1B1_HDT_Bank_Classification_PCB3.pdf (p.66-92) 13 🏛 Financial Intermediaries → Banks 13.11 🐯🏦 ₹ 🖨 Banks → Reserve Bank of India (RBI): भारतीय रिजर्व बैंक 13.11.1 🏦 ₹ 🖨 RBI Governor & Dy Governor 13.11.2 🏦 ₹ 🖨 RBI Offices & Departments 13.11.3 🏦 ₹ 🖨 RBI: Functions of 13.12 🏦 👨⚖️ Scheduled Banks (अनुसूचित बैंक) 13.13 🏦 👨⚖️FI( Commercial Banks( Pre-Independence 13.13.1 🦄 → 🦁 Nationalization of Banks After Independence (आजादी के बाद निजी बैंकों का राष्ट्रीयकरण) 13.14 🤩 Golden Anniversary of nationalization- 1212ES20 13.14.1 🦄> 🦁: Private sector banks are better than PSBs 13.14.2 🦁 = 🐌 PSBs: reasons for inefficiency & remedies? 13.15 🏦 👨⚖️ 🔂Consolidation of PSBs [एकत्रीकरण] 13.15.1 🔂Consolidation of PSBs → A) Merger (विलीनीकरण) 13.15.2 🔂Consolidation of PSBs → B) Privatization (निजीकरण) 13.15.2.1 UTI Bank → ‘Privatization’ into Axis Bank (2007) 13.15.2.2 IDBI Bank → Purchased by LIC (2018) 13.15.3 PSB Privatization: Banking Investment Company (BIC-बैंकिंग निवेश कंपनी) 13.15.4 🔂👎Anti-Arguments against Merger and Privatization of PSBs (विरोध में तर्क) 13.16 🏦 👨⚖️Commercial Banks ( Pvt. Sector Banks (PvB) निजी-क्षेत्र के बैंक 13.16.1 🏦 👨⚖️ 🚗📜 ‘On-Tap’ License to open Private Sector Banks (जब मन चाहे तब अर्जी डाल दो) 13.16.2 🏦 👨⚖️Steps or procedure to open a bank (एक बैंक स्थापित करने के की प्रक्रिया क्या है?) 13.17 🚫🏦 👨⚖️ 🚗📜 Allowing NBFC/Large Corporate to setup Banks 13.17.1 🚫🏦 👨⚖️ 🚗📜: 12 Arguments in Favour पक्ष में तर्क 13.17.2 🚫🏦 👨⚖️ 🚗📜: 12Arguments Against: विपक्ष में तक 13.17.3 🚫🏦 👨⚖️ 🚗📜: Conclusion? (निष्कर्ष) 13.18 🏦 👨⚖️ 有 Commercial Banks ( Foreign Banks (विदेशी बैंक) 13.18.1 🤵 LVB merged with DBS (विलीनीकरण) 13.19 🏦 👨⚖️ 🌎🚫Commercial Banks ( Differential Banks 13.19.1 🏦 👨⚖️ 🌎🚫 Commercial Banks ( Differential Banks( RRB and LAB 13.19.2 🏦 👨⚖️ 🌎🚫Commercial Banks ( Differential Banks ( SFB & PB 13.19.3 🏦 👨⚖️ 🌎🚫🚗📜 On-Tap Licenses for starting SFB 13.19.4 Commercial Banks → 📬India Post Payment Bank (IPPB) 13.19.5 🚐 ⏳ (Proposed) Wholesale & Long Term Finance Banks (WLTF) 13.20 🏦 👨🌾FI ( Banks ( Cooperative Banks (सहकारी बैंक) 13.20.1 🏦 👨🌾😥 Cooperative Banks: Negative News (2019): PMC Bank 13.20.2 ⚖️🐯💪💪🦵👻💬🤚Banking Regulation (Amendment) Ordinance/Act, 2020 13.20.3 🏦 👨🌾Cooperative Banks: Kerala Bank (2019) 13.21 🚫🏦👨⚖️ Formal FI ( Non-Banking Financial Institutions 13.21.1 Development Finance Institutions (DFI) 13.21.2 DFI → NaBFID: National Bank for Financing Infrastructure and Development 13.21.3 🚫🏦👨⚖️Non Bank ( All India Financial Institutions (AIFI): 13.21.4 🚫🏦👨⚖️FI ( Non-Bank ( Primary Dealers (PD)- (प्राथमिक विक्रेता) 13.21.5 🚫🏦👨⚖️FI ( NBFCs (गेर-बैंकिंग वित्तीय कंपनिया) 13.21.6 🚫🏦👨⚖️ NBFCs Regulated by RBI 🐯 (नियंत्रण/देखरेख) 13.21.7 🚫🏦👨⚖️ NBFCs Regulated by SEBI 🐱 (📑More in Pillar#1C) 13.21.8 🚫🏦👨⚖️ NBFCs Regulated by Others 🦊 13.21.9 👻(🚫🏦): NBFC: Shadow Banking (आभासी / प्रतिछाया बैंकिंग प्रणाली) 13.21.10 🧕NBFC-not allowed in India: Islamic Banking 13.21.11 🧔💪🏻🔪💵😱 Informal Financial Intermediaries (अनौपचारिक वित्तीय मध्यस्थ) 13.21.12 ✍️🎷 Mock Questions for Mains EF1B2_HDT_NPA_BadLoans_BASEL_PCB3.pdf (p.93-128) 14 🔥🔪 Bad Loans & Other Burning Issues in Banking 14.11 🔪Types of loans: Based on Interest Rate 14.12 🔪Types of loans: Based on Borrowers 14.13 🔪💀Non-Performing Assets (अनर्जक परिसंपत्तियां) 14.13.1 🔪💀-🤑-😕-😭NPA / TBS Problem: Three Stages of 14.13.2 🔪💀NPA related definitions in Banking Sector 14.14 👻🤧🔪✋ ATMANIRABHAR → Loan/EMI/NPA relief / Moratorium 14.14.1 🐯🤧🔪✋Loan Moratorium: how it benefits borrower (उधारकर्ता को फायदा) 14.14.2 👻🧔:🤧🔪✋ Loan Moratorium: Interest Relief Scheme (बकाया ब्याज के ऊपर चढ़ने वाले ब्याज पर रियायत) 14.15 🐯🔪💊 RBI “3R” Framework for Revitalizing Stressed Assets (2015-19) 14.15.1 ✔️Rectification (सुधार) 14.15.2 ⛏Restructuring (पुनर्गठन: ब्याज दर या कर्ज चुकाने की अवधि या मालिकी में बदलाव) 14.15.3 🔪 Recovery (वसूली) 14.15.4 🦁 🔪RBI’s ‘Feb-12’ Circular (2018) & Prudential Framework (2019) 14.15.5 🦁 🔪RBI’s KV Kamath Report Resolution Framework for Covid19-related Stress 14.16 ⚖️🔪 SARFAESI Act 2002: Origin, Objective & Limitations 14.16.1 ⚖️🔪👨💼💪 Which lenders have SARFAESI powers? 14.16.2 🔨⚖️ SC Judgement: Yes, Cooperative banks also have SARFAESI powers (2020) 14.16.3 ⚖️🔪: 🤦🏽♂️Limitations of SARFAESI Act (मर्यादाए) 14.17 ⚖️🔪🤝 Insolvency and Bankruptcy (I&B) Code 2016 14.17.1 ⚖️🔪🤝: 1IBC Not applicable on following borrowers 14.17.2 ⚖️🔪🤝 Insolvency and Bankruptcy Code Amendment (2018: संहिता संशोधन) 14.17.3 ⚖️🔪🤝 IBC Code (first) Amendment Act (2019: संहिता संशोधन) 14.17.4 ⚖️🔪🤝 IBC Code (second) Amendment Act 2019 14.17.5 ⚖️🔪🤝:🤫 IBC Pre-Packs (Proposed, yet to implement) 14.17.6 ⚖️🔪🤝: 🥱 IBBI directive on Avoidance Transaction and 500 other technical things 14.17.7 👻✋🏼 (⚖️🔪🤝) ATMANI → IBC Ordinance/Act 2020 to suspend new cases 14.17.8 🕵️♂️(⚖️🔪🤝) Insolvency and Bankruptcy Board of India (IBBI) 14.17.9 🕵️♂️(⚖️🔪🤝)Insolvency → Misc. Org: Indian Institute of Corporate Affairs (IICA) 14.17.10 💪 Project Sashakt by Finance Ministry (2018) 14.17.11 👻🔪👨🔧 ATMA-NIRBHAR → Insolvency → Micro,Small,Medium Enterprises 14.17.12 (⚖️🔪🤝)有🌐 Cross-border Insolvency (सीमा-पार का दिवालियापन) 14.18 (⚖️🔪🤝)📘 📘 Economic Survey on IBC/NPA (आर्थिक सर्वेक्षण) 14.18.1 Economic Survey 2018-19 on IBC/NPA (released in 2019-July) 14.18.2 (⚖️🔪🤝)1212Economic Survey 2020 on IBC/NPA (released in 2020-Jan-31st) 14.19 🤒👨⚕️ 💊 📅:1212 ES21: Regulatory Forbearance (विनियामकी क्षमा/सहनशीलता) 14.19.1 🤒👨⚕️ 💊 📅 Regulatory forbearance: side-effects by prolonged use (लंबे समय तक उपयोग से हानियां) 14.19.2 🤒👨⚕️ 💊 📅 Regulatory forbearance: Policy Lesson for Post-Corona Recovery (नीति पाठ?) 14.20 👁🗨🔪💻 Borrowers’ Database & Surveillance (उधारकर्ताओं का डेटाबेज व् निगरानी) 14.20.1 👁🗨🔪💻-📔📔ES20: Use AI-ML Technology 14.20.2 👁🗨🔪💻-📔📔 ES20: setup PSBN Network 14.20.3 👁🗨🔪💻- 🐯 RBI → Public Credit Registry (ऋण की सार्वजनिक रजिस्ट्री) 14.20.4 👁🗨🔪💻- 🌐 Legal Entity Identifier (LEI) Number: (कानूनी इकाई पहचान संख्यांक) 14.21 🔪有🏃🌐- ⚖️ Fugitive Economic Offenders Act, 2018 14.22 🕵️♂️ 🏦 💸🙇 DICGC Act: Objective & Limitations 14.22.1 🕵️♂️ 🏦 💸🙇- 👎 Limitation of DICGC (मर्यादाएँ) 14.23 👩🔧(🏦 🔪💀) A Bad Bank called “PARA”- Suggested by 1212ES17 14.23.1 👩🔧(🏦 🔪💀) Bad Bank called ARC/AMC- Announced by 12Budget-2021 14.24 🐯💉👹🦵💬✋🏻 Prompt Corrective Action (PCA) Framework 14.24.1 😼💉👹🦵💬✋🏻 Supervisory Action Framework for UCBs 14.24.2 👻ATMANI → 🤧🤑🏎✋🏼 RBI orders bank to halt Dividend Distribution 14.25 🌐🕵🏻♀️ BASEL-III Norms (बेसेल-3 मानदंड) 14.25.1 🌐🕵🏻♀️ D-SIB: Domestic Systematic Important Banks 14.26 🐯🤧: BASEL Norms deferred in Corona 14.26.1 🐯🤧🗓 BASEL Norms: RBI deferred some norms 14.26.2 🌐🤧🗓 BASEL Norms: Switzerland’s body deferred some norms 14.27 🐯📊🗓 Banks’ Balance sheet / Audit Norms (तुलन पत्र लेखा परीक्षण) 14.27.1 🐯📊🗓 IndAS Accounting Norms deferred (लेखा मानदंड स्थगित/टाल दिये) 14.27.2 🐯📊🗓:🧐Revised Long Format Audit Report 14.28 🌐🕵🏻♀️💸 Recapitalization of PSBs: [सार्वजनिक क्षेत्र के बेंको का पुन:पूंजीकरण] 14.29 🤦🏻♂️Banking Sector: Governance / Administrative Reforms 14.29.1 🤦🏻♂️Gyan-Sangam-I, 2015, Pune 14.29.2 🤦🏻♂️PSB Banking Personnel → Bank Board Bureau (BBB), 2016 14.29.3 🤦🏻♂️PSB Banking Personnel Reforms→ 1212ES20 suggestions Vol1Ch7 (50 years anniversary) 14.29.4 🤦🏻♂️Enhanced Access and Service Excellence (EASE) Agenda 2018 14.29.5 🤦🏻♂️Ease 3.0: Tech-Enabled Banking (2020-21) 14.29.6 ✍️ Conclusion for public sector banks? (सार्वजनिक क्षेत्र के बैंकों के बारे में निष्कर्ष) 14.30 🧹🙊🏦😥 Negative News → Yes Bank and AT1 Bonds (2020) 14.30.1 🌐🏦 🕵️♂️ BASEL-III norms: Capital Tiers 14.30.2 🔪🗃💇🏼♂️Additional Tier 1 (AT1) Bonds 14.30.3 Zero Coupon Bonds for PSB recapitalization 14.31 🧹🙊: 👹(🚫🏦) NEGATIVE News: ILFS & Shadow Banking 14.31.1 👹(🚫🏦) NBFC: Shadow Banking (आभासी / प्रतिछाया बैंकिंग प्रणाली) 14.31.2 👹(🚫🏦) Shadow Banks → IL&FS & NBFC Liquidity Crisis 14.31.3 👻 ATMANIRBHAR → 🐯: 👹(🚫🏦) RBI Helping NBFCs/ Shadow Banking industry 14.31.4 👻 ATMANI → 🧔🔪🏦🙊 Partial Credit Guarantee Scheme (PCGS) 2.0 14.31.5 👻 ATMANI → 🧔🔪🏦🙊 Special Liquidity Scheme for NBFC/HFC (खास तरलता योजना) 14.31.6 👻 ATMANI → 🧔🔪🏦🙊 Credit Guarantee Enhancement Corporation 14.31.7 👹(🚫🏦)💊🧔Shadow Banking → other Remedies by Govt post-ILFS crisis 14.31.8 👹(🚫🏦) 💊🐯 Shadow Banking → Remedies by RBI 14.31.9 👹(🚫🏦) 💊1212 Shadow Banking → Remedies by SEBI 14.31.10 👹(🚫🏦) 💊1212 Shadow Banking → Remedies suggested by ES20 14.31.11 🧹🙊⛱ NBFC-Negative News (2019): Thomas Cook NBFC closure in UK 14.32 🧹🙊💍 Negative News: PNB, LoU, SWIFT, & Nirav Modi 14.32.1 📞Financial Messaging Systems 14.33 🐯🤲🏻🦁 RBI Dividend, Reserves, Economic Capital Framework 14.33.1 🧔🏻🤲🏻🦁 RBI’s Bimal Jalan panel (2018-Nov) 14.33.2 📆 RBI’s Financial / Accounting Year (वित्तीय वर्ष में बदलाव) 14.33.3 🐯🤛🏻Section-7 Directive & Urjit Patel’s Resignation (इस्तीफा) 14.33.4 🐯🤛🏻🧔 Section-7 of RBI Act 14.34 ✍🏻🎷 Mock Question for Mains GSM3 (250 Words Each) EF1C_HDT_SHAREMARKET_PCB3.pdf (p.129-165) 15 🐮📈🐻Pillar#1C: SEBI-Share Market 15.1 🗃Securities (प्रतिभूति) 15.2 🗃 🛒Financial / Securities market: meaning and types 15.3 🔪🗃 Debt Instruments (ऋण उपकरण) 15.3.1 🔪🗃⏰Short term debt instruments (लघु अवधि ऋण उपकरण ) 15.3.2 🔪🗃⏰:🧔Short term debt instruments → by Government 15.3.3 🔪🗃⏰: 🐯🔪 🧔👨🦲 Short term debt instruments → by Govt → WMA 15.3.4 🐯🔪👨🦲 Consolidated Sinking Fund (CSF) for State Govts’ repayment 15.3.5 🔪🗃⏰Short term debt instruments → by borrowers other than Govt 15.3.6 🔪🗃⏰Debt → Interest Rate Benchmarks: LIBOR, MIBOR, MIFOR 15.4 🔪🗃🗓 Long Term Debt Instruments (दीर्ध-अवधि ऋण- उपकरण) 15.4.1 🕯🗃🗓🧔Colonial era Govt. to borrow money 15.4.2 💡🗃🗓🧔Modern day Government to borrow money 15.4.3 🥇🗃🗓Bonds by Modern day Govt. to curb Gold Consumption 15.4.3.1 🍅🔪🗃🗓 Inflation Indexed Bonds (IIB-मुद्रास्फीति सूचकांकित बांड) 15.4.3.2 🥇🔪🗃🗓 Sovereign Gold Bond (2015: संप्रभु स्वर्ण बांड) 15.4.4 🔪🗃🗓👨🏼✈️ Long term debt instruments by Companies 15.4.5 🔪🗃🗓Long Term Debt Instruments: Other issuers 15.4.6 🔪🗃🗓Long Term Debt Instruments: Masala, Maharaja, Panda Bond 15.4.7 🔪🗃🗓 Long Term Debt Instruments: Other Special purpose Bonds 15.4.8 🗳(🔪🗃)⏳Electoral bonds (चुनावी बांड, 2017 ) 15.4.9 🔪🗃: 🤑 Bond Yield, Yield Inversion, Negative Yield 15.5 ⚖️🗃 Equity Instruments (इक्विटी) 15.6 ⚖️🗃 Methods of Issuing Shares 15.6.1 ⚖️🗃 IPOs- Big sized IPOs in recent years 15.6.2 ⚖️🗃 🤵 IPO → Special Purpose Acquisition Company (SPAC) 15.6.3 ⚖️🗃 🌐 ADR/GDR: Shares in Videshi locker 15.6.4 👻⚖️🗃 🌐 ATMANIRBHAR reforms in ADR/GDR/BharatDR 15.6.5 🔗🥏 Initial Coin Offering (ICO) 15.7 📈 Stock Exchanges / Secondary Market: meaning & examples 15.7.1 📈12 Secondary Market: Significance? (द्वितीयक बाजार का महत्व) 15.7.2 🗃💾 DEMAT Account 15.7.2.1 🗃🔢 ISIN Number 15.7.3 🙋🏻♂️🛒 Types of Investors: Depending on Buying Capacity 15.7.4 🙋🏻♂️🛒 Types of Investors: Depending on Buying Behaviour 15.8 📈 SENSEX & other Notable Indices (उल्लेखनीय संकेतक/ सूचकांक) 15.8.1 🌬🌪:🤷🏾♂️⚖️👨⚖️ Force Majeure (अभेद्य शक्ति) 15.9 🐮📈🐻 SENSEX: Impact of Corona 15.9.1 🐮📈🐻 Share Market: Impact of Bond Yield 15.10 🗃😼Securities and Exchange Board of India (SEBI) 15.10.1 🗃⚖️📜Securities Market Code & Investor charter (निवेशक अधिकार पत्र) 15.10.2 🗃😼: 🏃 SEBI: why protect investors & ⏫investors participation? 15.10.3 💼🏃 (Full) Budget 2019: measures to ⏫ retail investors participation 15.10.4 🗃😼: 🏃 SEBI Reforms to boost investors’ confidence? 15.10.5 🛒 (💻⏱:👨💼) Algo Trading & Co-Location 15.11 🛒 (🔪🗃) Bond Market Reforms 15.11.1 🛒 (🔪🗃: 🧔👨💼) Unified Bond Market (एकीकृत बॉन्ड बाजार) 15.11.2 🛒 (🔪🗃: 🧔👨💼) Deepening of G-Sec market- Direct Retail participation @RBI 15.11.3 🛒 (🔪🗃: 🧔👨💼) Bond Buying Institution in 💼Budget-2021 15.12 🌽🧶🏦🤝 Commodity Market, FMC, SEBI merger 15.12.1 💍🎖🏦🤝Commodity Market: Gold exchanges & 💼Budget-2021 15.13 🕵🏻♀️ Related Bodies with similar sounding names 15.14 📦 🤹🏻♂️ 👴🏻 Investment Funds → Mutual fund (MF) for aam-aadmi 15.14.1 📦 🤹🏻♂️ 👴🏻 Mutual fund → SIP, ELSS, ULIP 15.14.2 📦 🤹🏻♂️ 👴🏻 Mutual fund → 🎛 Mutual fund risk-o-meter 15.15 📦 🤹🏻♂️ 🤵🏻 Investment Funds → Hedge Fund (हेज फण्ड) for rich-aadmi 15.16 📦 🤹🏻♂️ 🤴🏻 Investment Funds → Sovereign Wealth Fund (SWF: संप्रभु धन कोष) 15.17 📦 🤵🏻 🏬 🛩 Investment Funds → REITs / InvITs: for rich-aadmi 15.18 📦 🏛 Investment Funds → CPSE-Exchange Traded Funds (ETF: ईटीएफ) 15.18.1 (🦁🔪)📦: (🏛🛒🤝) Bharat Bond (Debt) ETF (2019-Dec) 15.18.2 (🦁🔪)📦: (🏛🛒🤝) CPSE-ETF vs Mutual Fund 15.19 📦 Investment Funds → Alternative Investment Funds (AIF) 15.19.1 (🦁📦):(🏗🏠) Govt’s AIF for Real Estate Sector (2019) 15.20 🗃 ⏱ Forward / Future Contracts & Call / Put Option 15.21 🗃 🔗 Derivatives & Swaps (व्युत्पन्न प्रतिभूतियां और अदला-बदली) 15.21.1 🗃🔗: 🚛🤝🚚 Bilateral Netting of Qualified Financial Contracts Act 2020 15.21.2 👻🔗📦 Participatory notes (P-Notes: पार्टिसिपेटरी नोट्स) 15.21.3 ✍️ Conclusion: Financial Markets- वित्तीय बाजारों के बारे में निष्कर्ष 15.22 🏙🤵 Company types 15.22.1 👶Company types based on incorporation 15.22.2 🏙🤵 Company types based on number of members 15.22.3 🏙🤵 Company types based on Ownership 15.22.4 🏙🤵 Company Types: Misc. 15.22.5 🏙🤵 Corporate Governance → Small Companies given compliance relief 15.22.6 🏙🤵 Commercial Organizations: Other Types 15.22.7 👬🤝🧔 1C: Corporate Governance → LLP settlement Scheme 2020 15.23 🔨 Statutory bodies in Ministry of Corporate Affairs (MCA) 15.23.1 🔨 👨⚖️ Competition Commission of India (भारतीय प्रतिस्पर्धा आयोग) 15.23.2 🔨 👨⚖️ Insolvency and Bankruptcy Board of India (IBBI) 15.23.3 🔨👨⚖️ Ministry of Corporate Affairs also associated with: 15.24 🤼♀️👬 Corporate Governance (कॉर्पोरेट शासन) 15.24.1 🤼♀️👬 Corporate Governance: notable Committees 15.24.2 💰(🏥🚽)CSR: Corporate Social Responsibility (कॉर्पोरेट सामाजिक जिम्मेदारी) 15.24.3 👻👨💼🗃⚖️ ATMANI: Corporate Governance → Companies Act relaxed 15.24.4 ✍️ Conclusion: Corporate Governance- निष्कर्ष 15.24.5 ✍️🎷 Mock Questions for Mains (GSM3/250 Words Each) EF1D_HDT_Insurance_Pension_PCB3.pdf (p.166-210) 16 ⚰️Insurance (बीमा): Meaning and Significance 16.11.1 Insurance Principles (सिद्धान्त: hindi not required but understand gist for case studies) 16.12 ⚰️🏺 History of insurance in India (भारत मे बीमा कं. का इतिहास) 16.13 ⚰️💀Life Insurance (जीवन बीमा) 16.13.1 ⚰️💀 🦁 Life Insurance → notable entities in public sector (सार्वजनिक क्षेत्र के जीवन बीमा संस्थान) 16.13.1.1 ⚰️💀 📮 Post Office Life Insurance 16.13.2 ⚰️💀🏤 🦁 Life Insurance Corporation of India (1956) 16.13.3 ⚰️💀🏤 🦁 LIC’s Disinvestment (2020, विनिवेश) 16.13.4 ⚰️💀🏤🙇🏻 LIC- Aam Admi Bima Yojana (AABY): 16.13.5 🧔⚰️PM schemes for Life Insurance & Accidental (Gen) insurance 16.14 ⚰️ 💊🚕🌽General Insurance (सामान्य बीमा) 16.14.1 ⚰️🚕🌽 🦁 Public Sector General Insurance Entities: Timeline (समय रेखा) 16.14.2 🦁(💉👨🔧) Employees' State Insurance Corporation 16.14.3 👻🤧⚰️Gen Insurance → Corona Warrior ₹50 lakh cover (2020-March) 16.15 💊 Gen → Health Insurance Schemes (स्वास्थ्य बीमा योजनाएं) 16.15.1 💊 😵: 🧐Arogya Sanjeevani Policy (2020) 16.15.2 ⚰️ 😵: 🧐SARAL JEEVAN BIMA-Standardized term Life Insurance policy 16.15.3 💊🤧Gen→ Health Insurance → Corona Kavach vs Rakshak 16.15.4 💊♿️ Niramya Health Insurance for PH. 1OLD SCHEME DONOT-LOOSE-SLEEP 16.15.5 💊🤒 Rashtriya Swasthya Bima Yojana (RSBY: 2008) 16.15.6 💊🤕: 🧔Why public health insurance for poor people? (गरीबों को सरकारी स्वास्थ्य बीमा क्यों दिया जाए) 16.15.7 💊🤕5️⃣L /👪/📆 Ayushman Bharat / PM Jan Aroyga Yojana (PMJAY) 16.15.7.1 🧔💊🤕5️⃣L /👪/📆 PM Jan Arogya Yojana (PMJAY, 2018)? 16.15.8 PM-JAY Sub-schemes 16.15.8.1 PMJAY → National Health Authority (राष्ट्रीय स्वास्थ्य प्राधिकरण) 16.15.8.2 PMJAY → State Health Agency (SHA) 16.15.8.3 💼Budget-2020 on Ayushman Bharat PM-JAY 16.15.8.4 🤦♂️ PMJAY → Challenges? (चुनौतियां) 16.15.8.5 1212ES21 on PM-JAY (कुल मिलाकर घी-दूध की नदियां बह रही है-आर्थिक सर्वेक्षण) 16.15.8.6 ✍🏻 Conclusion: PM-JAY (निष्कर्ष) 16.16 ⚰️ 💊🚕🌽 General Insurance → other than Health Insurance 16.16.1 🧔⚰️🌽 Pradhan Mantri Fasal Bima Yojana (2016) 16.16.2 🧔⚰️🌽 PM-FBY (2.0) revamped in 2020 16.16.3 🧔⚰️🌽 Other Agriculture Insurance Schemes? 16.16.4 ⛴🔪(👨💼🏦) Insurance to Banks on Exporters’NPA → NIRVIC Scheme (2019) 16.16.5 🚕🤕 Third Party Motor Insurance (थर्ड पार्टी मोटर इंश्योरेंस) 16.16.6 🚕😰 Own Damage Insurance (OD: मोटर संबंधित स्वयं के नुकसान का बीमा ) 16.16.7 🏗⚖️📜Title Insurance (जमीन / इमारत का टाइटल बीमा) 16.16.8 💉⚖️📜Clinical Trial Liability Insurance 16.16.9 🔥🌪🏡🏭 Bharat Griha Raksha & other: Standardized home/factory insurance policies 16.16.10 🌬🌪(Proposed) Catastrophe Insurance (आपदा बीमा) 16.16.11 🌬🌪 Catastrophe Bonds, Surety Bonds: 16.16.12 👿💻General Insurance → Cyber Insurance (साइबर बीमा) 16.16.13 💻eIA: e-Insurance account 16.17 ⚰️↗️⚰️Re-insurance (पुनर्बीमा) 16.18 ⚰️🕵️♀️IRDAI: the insurance sector regulator (बीमा क्षेत्र नियंत्रक) 16.19 ⚰️😿 Challenges to insurance industry (चुनौतियां) 16.19.1 Insurance progress indicators (बीमा प्रगति संकेतक) 16.19.2 FDI limits in Insurance sector? (बीमा क्षेत्र मे प्रत्यक्ष विदेशी निवेश की सीमा) 16.19.3 Should we ⏫ FDI beyond 49% in insurance companies? (क्या सीमा बढ़ाए?) 17 👨🔧 → 👴🏻 (💰🗓) PENSION (पेंशन) 17.11 👴🏻🦁 Employee Provident Fund Org. (कर्मचारी भविष्य निधि संगठन) 17.11.1.1 EPF Commutation (2020) 17.11.2 🧔👨🔧👴🏻 (2016) Pradhan Mantri Rojgar Protsahan Yojana (Labour Min) 17.11.3 👻ATMANI Reforms in EPFO 🧔👨🔧👴🏻 (March to August) 17.11.4 👻Atmanirbhar Bharat Rozgar Yojana= Subsidy from Central Govt in EPFO contribution 17.11.5 😤MORAL OUTRAGE Q: “why not merge EPFO with ESIC!!? ” 17.12 👨🏻→👴🏻Pension for Govt Employees & Middle Class? = NPS 17.12.1 1Old Pension Scheme (OPS) will not be re-introduced says Govt in Lok Sabha 17.12.1.1 👴🏻📜 → 🤳🏽 Jeevan Pramaan (2014) 17.13 👴🏻→👴🏻Pension for Senior Citizens WITH CAPACITY to Invest? 17.13.1 Pradhan Mantri Vaya Vandana Yojana (2017-DFS, LIC) 17.14 👨🏻🔧→👴🏻Pension for Poor People WITH capacity to INVEST? 17.14.1 👨🌾 → 👴🤲💰: 🧔 Pension: Three Maan Dhan Yojanas 17.14.2 😤MORAL OUTRAGE Q.: “why not merge all these schemes into one!?? 17.15 🤷♂️→👴🏻 Pension for Poor People WITHOUT capacity to INVEST? 17.16 👴🏻🕵🏻♀️ PFRDA, the Pension Funds’ Regulator 17.16.1 Separation of PFRDA and NPS Trust 17.17 🛫👨🔧Social Security for Overseas Indians (Pension / Insurance) 17.17.1 🛫👨🔧Mahatma Gandhi Pravasi Suraksha Yojana, 2012 to 2017 17.17.2 🛫👨🔧Pravasi Bharatiya Bima Yojana, 2017 18 (👨🏻🌾👨🏼🔧:💰)→💳Financial Inclusion (वित्तीय समोवेशन) 18.11 (👨🏻🌾👨🏼🔧:💰)→💳 Fin. inclusion: Bank accounts for Everyone 18.11.1 🧔(👨🏻🌾👨🏼🔧:💰)→💳 Pradhan Mantri Jan Dhan Yojana (प्रधान मंत्री जन धन योजना) 18.11.2 🤳🏻 Jan Dhan Darshak App (2018) 18.12 (👨🏻🌾👨🏼🔧:💰)→ 📮 Fin inclusion: Investments other than Bank 18.12.1 📮 (Yearbook) Dept of Post: POSB vs IPPB 18.12.2 (👧🏻:💰)→(👰🏻:💳)Sukanya Samriddhi Yojana (2015) 18.12.3 ⚖️Proposed Government Savings Promotion Act (in 2018) 18.12.4 (👨🏻🌾👨🏼🔧:💰)→ 📦 Chit Funds and Prize Chits 18.12.4.1 (👨🏻🌾👨🏼🔧:💰)→ 📦 Chit Funds (Amendment) Act, 2019 18.12.5 📦😩 Chit Fund Scams? धांधली/ गबन / काण्ड 18.12.5.1 ⚖️ 📦😩 Banning of Unregulated Deposit Schemes Act, 2019 18.13 👨🏻🌾👨🏼🔧 ←(💰🔪) Financial inclusion: Credit (Loans: ऋण) 18.13.1 👨🏻🌾👨🏼🔧: 🧔 ←(💰🔪) Credit Guarantee (ऋण अदायगी गारंटी) 18.13.2 (💰🔪)↗️🗃=(💰💰) Refinance (पुनर्वित्त) 18.13.3 👻 👶🏻🏭 MSME: Definition changed in ATMANIRBHAR (2020) 18.13.4 👻🔪 👶🏻🏭 MSME Non-NPA borrower → ECLGS 1.0 18.13.5 👻🔪 👶🏻🏭 MSME Non-NPA borrower → ECLGS 2.0 (Atma-Nirbhar 3.0) 18.13.6 👻🔪👶🏻🏭 MSME NPA borrower → Subordinate Debt (गौण ऋण) 18.13.7 👻🔪👶🏻🏭 MSME Loans: FM tells Bankers not to fear 3C 18.13.8 👻🗃👶🏻🏭 MSME → Equity infusion via Fund of Funds (निधियो की निधि) 18.13.9 🚫🏦👨⚖️🚫👨🌾 NBFC → Mudra (2015, 100% SIDBI subsidiary) 18.13.10 👻🔪 👶🏻🏭 Mudra Loans → Shishu Loans pe 2% Interest subvention 18.13.11 ⏰🔪 psbloansin59minutes.com (2018) 18.13.12 🙋♀️Stand Up India Scheme, 2016 (उत्तिष्ठ भारत) 18.13.13 👭Self-help group (स्व-सहायता समूह) → Credit 18.13.14 🤑👨🏭Street vendors’s AtmaNirbhar Nidhi Scheme (SVANidhi) 18.13.15 👨🏻🌾💳 Kisan Credit Card (1998) 18.13.16 👨🏻🌾👨🏼🔧: 🧔 ←(💰🔪) Interest Subvention (ब्याज सहायता) 18.13.17 🤳🏽PaiSA Portal (2018) 18.14 🌽🔪💰🎈Farm Loan Waiver (कृषि ऋण माफी) 18.14.1 🌽🔪💰🎈Agri-Finance → Loan waivers for the farmers 18.14.2 🌽🔪💰🎈=👌Agri-Finance → Farm loan waivers: arguments in favour 18.14.3 🌽🔪💰🎈=👎Agri-Finance → Farm loan waivers: arguments against 18.14.4 🌽🔪💰🎈=👎☠️Anti-Argument: Loan waiver will not stop farmer suicide 18.14.5 🌽🔪💰🎈 ✍️ Farm Loan Waiver: Conclusion 18.14.6 👻🌽🔪 Atma-Nirbhar Farm Loan Reforms (2020) 18.15 ⚰️👴🏻 Financial inclusion: Insurance & Pension 18.15.1 ⚰️🔬 Micro Insurance (सूक्ष्म बीमा) 18.15.2 🏍🍴🚕 Gig Workers’ social security code (गिग कर्मी की सामाजिक सुरक्षा संहिता) 18.15.3 👻ATMANIRBHAR → 👷♂️Workers’ Social security (2020) 18.16 👨🏻🌾👨🏼🔧: 🕵️♀️Financial Inclusion: Customer Protection (ग्राहक सुरक्षा) 18.16.1 😾RBI’s 3 Ombudsman (ओमबड्समेन/ शिकायत निवारण अधिकारी) 18.17 🌐📈🦁Financial Inclusion: India’s Performance (भारत का प्रदर्शन) 18.17.1 🌐📈 Global Microscope Report 18.17.2 🌐📈 Global Findex Database 2017: (released in 2018, April) 18.17.3 🌐📈 (India’s own) Financial Inclusion Index by DFS 18.17.4 🌐📈 (India’s own) RBI’s National Strategy for Financial Inclusion (NSFI) 18.18 ✍🏼🎺 Mock Questions for Mains (250 words Each) Mrunal_PCB3_Pillar2.pdf (p.211-364) !!AbAn!! EF2A1_HDT_Budget_Direct_Taxes_PCB3.pdf (p.1-28) 20 💼🍋 Pillar #2: Budget: Relevance in UPSC? 20.1 💼 Fiscal Policy (राजकोषीय नीति): Meaning & significance A well planned Fiscal Policy can help in following arenas: 20.2 💼 Budget (बजट): Meaning 20.2.1 🔐Three Funds related to Budget (Self-Study= Laxmikanth ch. on Parliament) 20.2.2 🤧🤲Donation Funds: PMNRF vs PM CARES (दान) 20.2.3 💼📃 Three Documents related to Budget 20.3 💼👍🏻SIX Stages of Passing the Budget in Parliament 20.3.1 📆Financial Year (FY: वित्तीय वर्ष) 20.4 📃🛒🤲📆⏳Vote on Account- (लेखा अनुदान) 20.5 (🤴🗳🧔)=🥛💼 Interim Budget (अंतरिम बजट) 20.5.1 THEME of budget (विषयवस्तु) 20.6 📘📘 Economic Survey (आर्थिक सर्वेक्षण) 20.6.1 🕵🏻Chief Economic Advisor (CEA: मुख्य आर्थिक सलाहकार) 20.7 🕵🏻Finance ministry and its departments: (वित्त मंत्रालय और उसके विभाग) 20.7.1 🕵🏻💼Department of Economic Affairs (DEA: आर्थिक कार्य/ आर्थिक मामलो का विभाग) 20.7.2 🕵🏻🛒FinMin#2: Department of Expenditure (व्यय विभाग) 20.7.3 🕵🏻🍋FinMin#3: Department of Revenue (राजस्व विभाग) 20.7.4 🕵🏻💳🔪FinMin#4: Department of Financial Services (DFS: वित्तीय सेवाएँ विभाग) 20.7.5 🕵🏻🏭FinMin#5: DIPAM (निवेश एवं लोक परिसंपत्ति प्रबंधन विभाग) 20.7.6 🕵🏻FinMin#6: Indian Audit and Accounts Department 20.8 💼Budget→ ⏳Revenue Part→ 📥Receipts→ 🍋Tax Receipts 20.8.1 🍋