| Prelims: (Polity + CA) Mains: (GS 2 – Governance) |
The Prime Minister’s Internship Scheme has come under scrutiny after official data showed very low participation:
This has raised serious concerns regarding the scheme’s design, incentives, and implementation.
Acceptance Rate: Only 20%
Despite rigorous shortlisting, only one-fifth of selected applicants accepted the internship.
Dropout Rate: 20%
A significant number of interns quit mid-way, pointing to systemic shortcomings.
1. Low Stipend / Financial Pressure
2. Better Private Sector Prospects
3. No Job Guarantee
4. Geographic Mismatch
These issues undermine the scheme’s original goals.
1. Revising Stipend Structures
2. Strengthening Mentorship Systems
3. Better Matching of Interns & Departments
4. Robust Monitoring Mechanisms
5. Exploring Hybrid / Remote Internship Models
Unless reforms address these issues, participation levels may remain low.
FAQs1. Is the PM Internship Scheme a paid internship? Yes, it provides a stipend, but many applicants feel it is insufficient for major-city postings. 2. Does the internship guarantee a government job? No. The scheme is for learning and exposure only; it does not provide employment. 3. Who is eligible to apply? Recent graduates or young professionals meeting the academic and age criteria set by the government. 4. Why are so many interns dropping out early? Key reasons include low stipend, lack of mentorship, mismatch in expectations, and logistical difficulties. 5. Is the government planning to modify the scheme? Yes, reforms under consideration include higher stipends, hybrid internship options, improved mentorship, and better matching mechanisms. |
| (Prelims: Current Affairs) (Mains, General Studies Paper 2: Topics related to the development and management of social sectors/services related to health, education, and human resources.) |
The World Health Organization (WHO) has released global guidelines on the prevention, diagnosis, and treatment of infertility for the first time. Their aim is to make fertility care safer, more affordable, and accessible to all worldwide.
Infertility is increasing rapidly worldwide, but access to diagnosis and treatment remains limited. In many countries, techniques like IVF are prohibitively expensive, leaving people vulnerable to financial hardship. The WHO has identified this as a major health equity issue.
Recently, the We Rise initiative has been launched. The full form of We Rise is: Women Entrepreneurs Reimagining Inclusive Sustainable Enterprises
This initiative is a significant institutional effort to promote women-led enterprises in the global market. It has been launched by NITI Aayog’s Women Entrepreneurship Platform (WEP) in partnership with DP World, under their Award to Reward (ATR) program.

The main objective of this initiative is to enhance the global presence of women entrepreneurs and women-led MSMEs. Under this initiative, they will be provided with:
The Regional Artificial Intelligence (AI) Impact Conference 2025 was organized in Shillong, the capital of Meghalaya. This conference is one of the major regional events leading up to the India AI Impact Summit 2026, scheduled for February 2026. The event was hosted in collaboration with the IndiaAI Mission, MeitY, and the Government of Meghalaya.

Focus on PM’s ‘Democratization of Technology’ Vision
“We are organizing regional AI Impact Conferences across the country. The Shillong conference is focused on People, Planet, Progress.”
Progress of IndiaAI Mission:
| (Prelims: Current Economic Events) |
On November 28, 2025, the Reserve Bank of India (RBI) took a significant step by issuing 244 "Consolidated Master Directions." The aim is to reduce the compliance burden on regulated entities (REs) and bring transparency and clarity to the regulatory framework.

Background
Key Points
Challenges
Way Forward
Conclusion
This move by the RBI is a major achievement towards enhancing clarity, transparency, and efficiency in the financial sector. The 244 consolidated Master Directions will not only reduce compliance burdens but also strengthen ease of doing business. This step will prove crucial in making the financial system more streamlined, modern, and consumer-friendly.
| Prelims: (Cyber Security + CA) Mains: (GS 2 – Governance) |
The Union Government recently directed smartphone manufacturers to pre-install the Sanchar Saathi app on all new devices and push it via software updates to existing phones.
Initially, the government also stated that the app must be non-deletable, raising major concerns around privacy and digital autonomy. However, the Telecom Minister later clarified that the app is not mandatory and can be deleted by users.
1. Chakshu: Reporting Suspected Fraud
Allows users to report suspicious communications such as:
Note: Chakshu is not meant for filing cybercrime complaints.
Users may also report spam/UCC under TRAI’s TCCCPR 2018 regulations.
2. Block & Track Lost or Stolen Devices
Using the IMEI number, users can:
This leverages the central database of IMEI records maintained by networks.
3. Mandatory Mobile-Number Registration
These permissions are extensive and form a major part of the privacy debate.
The directive draws authority from:
Originally, DoT’s mandate applied only to telecom operators.
But the 2025 amendment greatly broadened the scope.
The amendment introduced Telecommunication Identifier User Entity (TIUE) — any entity that uses a phone number for user verification, including:
Experts argue that mandatory installation and non-removal of the app could face constitutional scrutiny.
Key Concerns
If Sanchar Saathi is non-removable, the requirement may not pass these constitutional thresholds.
FAQs1. Is Sanchar Saathi mandatory on all phones? The Telecom Minister has stated it is not mandatory and may be deleted by users, despite earlier DoT instructions. 2. Why was the app controversial? Because the initial directive required it to be non-deletable, raising concerns about privacy, surveillance, and forced digital compliance. 3. Does Sanchar Saathi collect personal data? The app requires permissions like SMS, call logs, and IMEI, raising concerns about potential overreach and data risks. 4. What legal authority allows the government to mandate such apps? Powers under the Telecommunications Act 2023 and TCS Rules 2024 (amended 2025), which broadened DoT’s jurisdiction to TIUE entities. 5. Can mandatory pre-installed apps violate the Right to Privacy? Yes, if they fail the Puttaswamy tests or if less intrusive alternatives exist, courts may strike them down as unconstitutional |
| Prelims: (Defence Technology +CA) Mains: (GS 3 – Security) |
Following the operational insights gained during Operation Sindoor, the Indian Armed Forces have initiated emergency procurement of additional satellite-linked Heron Mk II Unmanned Aerial Vehicles (UAVs). These high-end ISR systems are expected to significantly boost India's real-time intelligence gathering, border surveillance, and electronic intelligence capabilities.

1. What Triggered Operation Sindoor?
Operation Sindoor was launched in 2025 after a series of attempted infiltrations, heightened border tensions, and increased surveillance activity by hostile neighbours along the Northern and Western frontiers. The operation emerged as a proactive readiness exercise to:
2. Nature of the Operation
Operation Sindoor was a multi-domain exercise, integrating:
It revealed that India urgently needed persistent long-endurance UAV coverage across extended borders, without risking the crossing of international lines.
3. Findings Leading to UAV Procurement
Key gaps highlighted:
This led to fast-tracked procurement under emergency powers to induct the Heron Mk II.
The Heron Mk II is a Medium-Altitude Long-Endurance (MALE) Unmanned Aerial Vehicle developed by Israel Aerospace Industries (IAI). It is an upgraded successor to the Heron 1, already in service with India, but significantly more capable in endurance, avionics, ISR payloads, and satellite communication.
1. Performance Parameters
This enables extensive loitering over sensitive sectors, weather-independent monitoring, and deployment from secure bases far from the border.
2. Payload & Sensor Suite
Heron Mk II can carry a multi-mission payload, making it one of the most versatile ISR platforms in India’s fleet.
Electro-Optical / Infra-Red (EO/IR) Sensors
Synthetic Aperture Radar (SAR)
a. Electronic Intelligence (ELINT)
b. Communications Intelligence (COMINT)
Importantly: Heron Mk II can collect intelligence from 20–40 km inside enemy territory without crossing the border, making it ideal for politically sensitive regions.
3. Satellite Connectivity (SATCOM)
The UAV features secure SATCOM links enabling:
This makes Heron Mk II a true strategic ISR asset, not just a tactical drone.
1. Enhanced Border Monitoring
Vital along:
2. Reduces Risk of Surveillance Aircraft Violations
India can monitor enemy activity without risking manned aircraft or entering contested airspace.
3. Strengthens Counter-Terror & Counter-Infiltration Operations
Useful for:
4. Force Multiplier for Tri-Service Operations
The UAV can be deployed jointly by the Army, Air Force, Navy, and intelligence agencies, improving synergy.
Emergency powers allow procurement within 3–6 months without lengthy bureaucratic approvals.
Reasons India invoked them:
FAQs1. Is Heron Mk II armed? It has the capability to be armed but India currently uses it only for surveillance and intelligence roles. 2. How is Heron Mk II different from Heron I? Heron Mk II provides:
3. Will India replace Heron Mk II with indigenous drones? Yes, but gradually. Indigenous platforms like Archer-NG, Tapas-BH 201, and Ghatak UCAV are under development. 4. Why is SATCOM important for UAV missions? It enables the drone to be controlled from anywhere in the country and provides uninterrupted data, crucial for long-endurance missions. 5. Which forces use the Heron Mk II? The Indian Army, Air Force, Navy, and strategic intelligence units. |
| Prelims: (Economy + CA) Mains: (GS-3 – Economy) |
The Government of India is set to introduce the Insurance Laws (Amendment) Bill, 2025 during the sixth session of the 18th Lok Sabha. The proposed legislation is expected to modernise India’s underpenetrated insurance sector, enabling higher foreign investment, eased market entry, and structural reforms. Industry experts believe the Bill could significantly expand India’s insurance ecosystem, attract global insurers, and spur long-term sectoral innovation.


The reform also supports deeper expansion into rural and underserved regions, where affordability and reach remain barriers.
This aligns with India’s goal of achieving “Insurance for All” by 2047.
FAQs1. What is the objective of the Insurance Laws (Amendment) Bill, 2025? To modernize the regulatory framework, expand competition, deepen insurance penetration, and attract global players. 2. How will 100% FDI impact consumers? It is likely to improve product variety, reduce premiums through competition, and ensure faster, tech-enabled services. 3. What is composite licensing? A single licence allowing an insurer to offer life, general, and health insurance products, promoting integrated coverage solutions. 4. Why is lowering capital requirements significant? It enables new insurers, regional entities, and specialized players to enter the market, especially in underserved geographies. 5. How will reforms affect intermediaries? Simplified registration and multi-insurer selling permissions will expand last-mile outreach and enhance customer access. |
| Prelims: (Polity + CA) Mains: (GS 2 – poity) |
Chief Justice of India (CJI) Surya Kant has proposed the formulation of a National Judicial Policy to standardise core judicial processes across courts and reduce inconsistency in judgments. He also stated that the Supreme Court will consider a plea seeking the revival of the National Judicial Appointments Commission (NJAC), which challenges the existing Collegium system.

1. Address Divergent Judgments
2. Improve Access to Justice
3. Strengthen Judicial Infrastructure
4. Standardise Technology Adoption
5. Promote Judicial Cohesion

About NJAC
Created through the 99th Constitutional Amendment (2014), NJAC aimed to replace the Collegium system for appointing judges of the Supreme Court and High Courts.
NJAC Composition
A 6-member body:
In the Fourth Judges Case (2015), the SC struck down the 99th Amendment & NJAC Act as unconstitutional, holding:
|
Aspect |
Collegium System |
NJAC |
|
Primacy |
Judiciary has full primacy |
Judicial primacy diluted |
|
Transparency |
Opaque; no published criteria |
More diverse decision-makers |
|
Veto Power |
None |
Any 2 members can veto |
|
Risks |
Nepotism, opacity |
Political interference |
|
Judicial Independence |
Upheld (basic structure) |
Seen as compromised |
|
Efficiency |
Delays due to govt clearance |
Could improve timelines |
FAQs1. Why is the CJI calling for a National Judicial Policy? To address conflicting judgments, streamline procedures, and ensure uniform access to justice nationwide. 2. Why was the NJAC struck down? The SC ruled that NJAC diluted judicial independence by giving the executive and non-judicial members veto power. 3. Does a national judicial policy impact judicial independence? Not necessarily—if framed by the judiciary itself. Issues arise only if the executive plays a substantial role. 4. What is the biggest challenge in judicial reforms today? Vacancies, infrastructure gaps, lack of data, and non-uniform adoption of technology. 5. Can NJAC be revived? Only through a constitutional amendment or a new model acceptable to both judiciary and legislature, ensuring independence is preserved. |
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