Banking for All, Empowerment for All
Mains: GSII – Governance and Social Justice
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Highlights |
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PM Jan Dhan Yojana: Driving India’s Journey Towards Financial Inclusion
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Facts
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Breaking down PM-JDY: Access and Benefits

Who is eligible to open the account?
Where can a PM-JDY account be opened, and can it be held jointly?
What documents are required to open the account?
Documents required for opening a PM-JDY account include:
What is the interest income on savings in the account?
What is a RuPay debit card and inbuilt accident insurance?
What overdraft facility is available?
What are the social security schemes offered under PM-JDY?
The Jan Dhan Impact
Over the years, PMJDY has achieved several key milestones:
Accounts on the Rise

Deposits Multiplying over the Years

PM-JDY deposits have surged ~20x, rising from ₹15,670 crore in March 2015 to ₹3,16,514 crore as of 19th August 2026.
This rise reflects growing saving habit among low-income households, increasing trust in formal banking, and deeper participation in the financial system.
RuPay Cards Continue to be Issued

As of 19th August 2026, 41.29 crore RuPay debit cards have been issued to PM-JDY account holders, reflecting a rise in digital transactions.
One Account, A World of Opportunities
PM-JDY has transformed financial inclusion from a policy objective into a lived reality for millions of Indians. It has expanded access to banking, strengthened financial security, and connected underserved citizens with credit, insurance, pensions and digital payments. Its impact extends beyond rising accounts and deposits, strengthening formal financial identities and fostering greater economic confidence among people.
Reference
PIB| 12 Years of PM Jan Dhan Yojana
Mains: GSII - Health
A recent study of hospitalised patients across India has found that infections caused by antibiotic-resistant “Gram-negative” bacteria are more likely to be fatal and more expensive.
What is Anti-Microbial resistance?
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Key Observations of the Study |
Note: These figures come from tertiary-care hospitals and therefore should not be treated as representative of the entire Indian population. |
Why are Carbapenem-Resistant Infections a Concern?

What are the factors driving AMR?
What are the implications of AMR?
What needs to be done to address AMR?
What lies ahead?
Reference
Mains: GS II – Health, Human Resources
Recently, the World Health Organization (WHO) report revealed that, more than 1 billion people are living with mental health disorders.


If you are in distress, please reach out to MANAS at 14416 or 18008914416 and Sanjivini Society for Mental Health at 011-40769002
Banking for All, Empowerment for All
Mains: GSII – Governance and Social Justice
|
Highlights |
|
PM Jan Dhan Yojana: Driving India’s Journey Towards Financial Inclusion
|
Facts
|
Breaking down PM-JDY: Access and Benefits

Who is eligible to open the account?
Where can a PM-JDY account be opened, and can it be held jointly?
What documents are required to open the account?
Documents required for opening a PM-JDY account include:
What is the interest income on savings in the account?
What is a RuPay debit card and inbuilt accident insurance?
What overdraft facility is available?
What are the social security schemes offered under PM-JDY?
The Jan Dhan Impact
Over the years, PMJDY has achieved several key milestones:
Accounts on the Rise

Deposits Multiplying over the Years

PM-JDY deposits have surged ~20x, rising from ₹15,670 crore in March 2015 to ₹3,16,514 crore as of 19th August 2026.
This rise reflects growing saving habit among low-income households, increasing trust in formal banking, and deeper participation in the financial system.
RuPay Cards Continue to be Issued

As of 19th August 2026, 41.29 crore RuPay debit cards have been issued to PM-JDY account holders, reflecting a rise in digital transactions.
One Account, A World of Opportunities
PM-JDY has transformed financial inclusion from a policy objective into a lived reality for millions of Indians. It has expanded access to banking, strengthened financial security, and connected underserved citizens with credit, insurance, pensions and digital payments. Its impact extends beyond rising accounts and deposits, strengthening formal financial identities and fostering greater economic confidence among people.
Reference
PIB| 12 Years of PM Jan Dhan Yojana
Mains: GSIII – Science and technology
Why in News?
The recent Legal Metrology (Indian Standard Time) Rules, 2026 make Indian Standard Time (IST) a legally enforceable reference for official and commercial use.
What is Indian Standard Time (IST)?
Time traceability means that the time maintained by an organisation or device can be reliably linked to the national reference maintained by CSIR-NPL.
How much accuracy do different systems need?
NavIC (Navigation with Indian Constellation), developed by ISRO, designed to provide accurate position, velocity, and timing service.
Why is a Common National Time Reference Important?
Reference
The Indian Express| Legal Enforcement of Indian Standard Time (IST)
Mains: GS III – Science and Technology
The global technology race is entering a new phase, with China and the United States competing to integrate artificial intelligence (AI), scientific research and industrial production.
AI → faster scientific discovery → new technologies → industrial transformation → greater economic and geopolitical power.
China: Manufacturing strength → advanced science and original innovation
United States: Scientific strength → advanced manufacturing and resilient supply chains
Research institutions + skilled talent + private capital + technology + energy + manufacturing + supply chains + markets.
Global integration + domestic capability building
The Indian Express| India& US –China Technological Race
Prelims: Current events of national and international importance| Environment
Why in News?
A landmark paleoclimatological study by researchers from the University of Michigan has analyzed a 1,000-year archive preserved in fossil corals from the Galápagos Islands.
Key Highlights of the Study
Scientific Context

Reference
Prelims: Current events of national and international importance | Government Policies & Interventions
Why in News?
The GOBARdhan Central Sector Scheme (National Circular Bioenergy Scheme), carrying a total financial outlay of Rs.23,731 crore, officially came into effect on September 1, 2026.

Reference
Prelims: Current events of national and international importance | Environment
Why in News?
The freshwater swamps of the Western Ghats, particularly the ancient Myristica swamps are facing severe habitat fragmentation and are on the cusp of extinction due to climate change.

Reference
Prelims: Current events of national and international importance | Science & Technology | Health
Why in News?
A recent study has identified exposure to non-chlorinated domestic well water as a primary risk factor driving the surge of Amoebic Meningoencephalitis (AME) in Kerala.
Key Highlights of the Study

Reference
The Hindu | ICMR study identifies amoebic meningoencephalitis
Prelims: Current events of national and international importance | Economy
Why in News?
The Reserve Bank of India's (RBI) special USD-INR swap window has attracted over $136 billion in foreign currency through FCNR(B) deposits, OFCBs, and ECBs, significantly exceeding initial projections.

FCNR(B) – Foreign Currency Non-Resident (Bank) Deposits
External Commercial Borrowings (ECB)
OFCB – Overseas Foreign Currency Borrowings
Reason for introducing RBI’s special USD-INR swap window
Reference
Prelims: Current events of national and international importance | Environment
Why in News?
Recently, the FAO has released a global assessment highlighting widespread soil degradation and its implications for food security, climate resilience, and sustainable agriculture.
Status of the World’s Soil Resources 2026
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Soil Biodiversity |
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Reference
Prelims: Current events of national and international importance | International Relations
Why in News?
India has formally rejected an award issued by the Hague-based Court of Arbitration (CoA) constituted under the aegis of the Permanent Court of Arbitration (PCA), concerning the Indus Waters Treaty (IWT).
Dispute Resolution under IWT (1960)

Reference
Prelims: Current events of national and international importance | Species
Why in News?
The Union Budget 2026–27 highlighted sandalwood (Santalum album) as an important part of India's social and cultural heritage.
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Sandalwood Development Committee |
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Reference
Prelims: Current events of national and international importance | Government Policies & Interventions
Why in News?
India has launched the first phase of a hub-and-spoke aviation strategy to make international travel easier for passengers from Tier-2 and Tier-3 cities.



Reference
Prelims: Current events of national and international importance | Economy
Why in News?
Recently SC clarified that Purse seine nets allowed only beyond 12 nm in EEZ under Centre’s regulation, prohibited within 0–12 nm territorial waters under State control.


Purse Seine Fishing – A commercial fishing method that uses a large wall of netting to encircle a dense school of pelagic fish, closing at the bottom like a drawstring purse to trap the catch.

Reference
Prelims: Current events of national and international importance | Environment & Ecology
Why in News?
Shanghai Cooperation Organisation (SCO)
Key Highlights of the Bishkek Declaration 2026
India’s Stance and Contribution at the Summit

Reference
Prelims: Current events of national and international importance | Polity
Why in News?
The Supreme Court invoked Article 142 to quash FIRs/criminal proceedings against Gen Z protesters involved in protests linked to the NEET-UG 2026 question paper leak.
Constitutional Provision

Reference
Prelims: Current events of national and international importance | Environment
Why in News?
A landmark study has revealed that despite the extraordinary diversity of avian vocalizations across the globe every bird song is constructed from a fundamental 8-note acoustic "alphabet" (core motifs).
Key Highlights of the Study
The Eight Core Acoustic Motifs

Acoustic Adaptation Hypothesis
Reference
Prelims: Current events of national and international importance | Environment
Why in News?
A recent report underscores the ecological service provided by the striped hyena in removing livestock and wildlife carcasses across India's open grasslands and human-dominated rural landscapes.
Key Highlights of the Species
Threats

Striped Hyena
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Parameter |
Details |
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Scientific Name |
Hyaena hyaena |
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IUCN Red List Status |
Near Threatened (NT) |
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Wildlife Protection Act, 1972 |
Protected under Schedule III |
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Primary Diet |
Scavenger (carcasses, bones, offal), supplemented by fruits/vegetables |
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Scent Marking |
Uses "hyena butter" (anal pouch secretion) for territorial communication |
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Key Habitats in India |
Deccan Plateau (e.g., Saswad), Thar Desert, Gir, Velavadar, Pench |
Reference
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