#Goodmorning
⏳127 days left CSP26[ 24-05-26]
⏳216 days left CSM26 [ 21-08-26]
⏳183 days left CAPF AC 19 July
⏳135 days left MPSC (MH) prelims [ 31-05-26]
⏳RAS PRELIMS may
⏳99 days Left MPPSC (MP) Prelims 26 April
⏳85 days Left CDS1 /NDA 12 April
⏳36 days CGPSC prelims 22 February
#Target
#TargetOnlyone
#Accountability
https://t.me/anmolvachan1
⏳127 days left CSP26[ 24-05-26]
⏳216 days left CSM26 [ 21-08-26]
⏳183 days left CAPF AC 19 July
⏳135 days left MPSC (MH) prelims [ 31-05-26]
⏳RAS PRELIMS may
⏳99 days Left MPPSC (MP) Prelims 26 April
⏳85 days Left CDS1 /NDA 12 April
⏳36 days CGPSC prelims 22 February
#Target
#TargetOnlyone
#Accountability
https://t.me/anmolvachan1
🙏4❤1
🛑 Conversations for Inner Strength: The Art of Saying No
1. Arjun: I find it impossible to say "No" to people. I feel guilty, as if I am letting them down.
✅Krishna: You are confusing "kindness" with "weakness." When you say "Yes" to others out of fear or guilt, you are saying "No" to yourself. You are not letting them down; you are letting yourself down. A "Yes" given without joy is a lie.
2. Arjun: But I want to be a good person who helps everyone.
✅Krishna: You cannot pour from an empty cup. If you give away all your energy to everyone who asks, you will have nothing left for your own Dharma (duty). To be truly useful to the world, you must first preserve your own strength.
3. Arjun: I am afraid that if I refuse, they will be angry or leave me.
✅Krishna: If someone leaves you because you set a boundary, they were never with you for you; they were with you for what they could take from you. Let them go. A boundary is a filter: it keeps the users out and the true friends in.
4. Arjun: Isn't it selfish to put my needs first?
✅Krishna: Self-care is not selfish; it is essential. You are the guardian of your own soul. If you do not protect your time and peace, no one else will. You are not a public property; you are a temple. Do not let anyone walk in with muddy feet.
5. Arjun: I often say "Yes" and then resent doing the work later.
✅Krishna: That resentment is poison. It poisons the relationship and it poisons your mind. It is better to offer a polite "No" today than to offer a fake "Yes" and harbor anger for a month. Be honest. Honesty is the highest form of respect.
6. Arjun: How do I say it without being rude?
✅Krishna: Firmness does not require shouting. You can be soft in your tone but strong in your intent. You do not need to offer a list of excuses. A simple "I cannot do this right now" is a complete sentence. You owe no explanation for protecting your peace.
7. Arjun: What is the cost of not learning this art?
✅Krishna: A life lived for others' agendas is a life lost. If you do not prioritize your life, someone else will. To fulfill your destiny, you must learn to decline the good so you can focus on the Great.
💡 A Small Tip
The "Buy Time" Strategy.
People pleasers have a reflex to say "Yes" immediately. Break that reflex.
When someone asks you for a favor, never answer immediately. Use this script:
Do I actually want to do this? Do I have the energy?
It is much easier to say "No" via text or after a pause than it is face-to-face in the moment.
#geeta
Join https://t.me/anmolvachan1
1. Arjun: I find it impossible to say "No" to people. I feel guilty, as if I am letting them down.
✅Krishna: You are confusing "kindness" with "weakness." When you say "Yes" to others out of fear or guilt, you are saying "No" to yourself. You are not letting them down; you are letting yourself down. A "Yes" given without joy is a lie.
2. Arjun: But I want to be a good person who helps everyone.
✅Krishna: You cannot pour from an empty cup. If you give away all your energy to everyone who asks, you will have nothing left for your own Dharma (duty). To be truly useful to the world, you must first preserve your own strength.
3. Arjun: I am afraid that if I refuse, they will be angry or leave me.
✅Krishna: If someone leaves you because you set a boundary, they were never with you for you; they were with you for what they could take from you. Let them go. A boundary is a filter: it keeps the users out and the true friends in.
4. Arjun: Isn't it selfish to put my needs first?
✅Krishna: Self-care is not selfish; it is essential. You are the guardian of your own soul. If you do not protect your time and peace, no one else will. You are not a public property; you are a temple. Do not let anyone walk in with muddy feet.
5. Arjun: I often say "Yes" and then resent doing the work later.
✅Krishna: That resentment is poison. It poisons the relationship and it poisons your mind. It is better to offer a polite "No" today than to offer a fake "Yes" and harbor anger for a month. Be honest. Honesty is the highest form of respect.
6. Arjun: How do I say it without being rude?
✅Krishna: Firmness does not require shouting. You can be soft in your tone but strong in your intent. You do not need to offer a list of excuses. A simple "I cannot do this right now" is a complete sentence. You owe no explanation for protecting your peace.
7. Arjun: What is the cost of not learning this art?
✅Krishna: A life lived for others' agendas is a life lost. If you do not prioritize your life, someone else will. To fulfill your destiny, you must learn to decline the good so you can focus on the Great.
💡 A Small Tip
The "Buy Time" Strategy.
People pleasers have a reflex to say "Yes" immediately. Break that reflex.
When someone asks you for a favor, never answer immediately. Use this script:
"Let me check my schedule/calendar and get back to you."
This gives you space to think:
Do I actually want to do this? Do I have the energy?
It is much easier to say "No" via text or after a pause than it is face-to-face in the moment.
#geeta
Join https://t.me/anmolvachan1
❤4👍1👌1
🔆 CURRENT AFFAIRS — 16 JANUARY 2026
🔆 ECONOMY & FINANCE
📍 Foreign Direct Investment
✅ India attracts USD 51 billion FDI in last 6 months
✅ Driven by reforms, macro stability & large market
📍 Startup push
✅ National Startup Day 2026 – 16 Jan
✅ 75 Grand Challenges announced
✅ 20 National Startup Awards to be given
📍 Exports
✅ India’s exports cross USD 634 billion (Apr–Dec 2025)
✅ Growth: 4.33%
📍 Top destinations
✅ USA, China, UAE, Spain, Hong Kong
📍 Employment
✅ Unemployment rate 4.8% (Dec 2025)
✅ LFPR rises to 56.1%
✅ WPR at yearly peak 53.4%
🔆 INTERNATIONAL AFFAIRS
📍 Global Risks Report 2026
✅ Released by World Economic Forum (WEF)
✅ Top global risk: Geoeconomic confrontation
📍 Long-term risks (2036)
✅ Extreme weather, biodiversity loss, ecosystem collapse
📍 India-specific risks
✅ Cyber insecurity, inequality, weak public services
📍 Nepal
✅ Celebrates National Agricultural Biodiversity Day in Kathmandu
📍 India–EU
✅ EU Council President António Costa & Commission President Ursula von der Leyen
➡ Chief Guests at 77th Republic Day 2026
🔆 NATIONAL AFFAIRS
📍 Postal & Digital Commerce
✅ Department of Posts delivers first order via ONDC as logistics partner
✅ Promotes open, interoperable digital commerce
📍 MSME Sector
✅ NITI Aayog report on scheme convergence released
📍 Key suggestions
✅ Integrate MSME schemes
✅ Centralised digital portal
✅ Skill convergence across schemes
📍 Rural Women Entrepreneurship
✅ National campaign under DAY–NRLM
✅ Target: 3 crore Lakhpati Didis
✅ Focus on non-farm livelihoods
📍 Agriculture & Livestock
✅ ICAR registers Karan Fries cattle breed
✅ High-yield & climate-resilient
✅ Crossbreed: Holstein Friesian × Tharparkar
🔆 SCIENCE & TECHNOLOGY
📍 Space
✅ SpaceX conducts first-ever medical evacuation from ISS
✅ Crew safely returned via Dragon capsule
📍 Mission facts
✅ Duration: 167 days
✅ Distance covered: ~71 million miles
📍 Climate & Carbon Market
✅ Microsoft buys 2.85 million soil carbon credits
✅ World’s largest such deal
✅ Linked to regenerative agriculture
🔆 ENVIRONMENT & BIODIVERSITY
📍 Conservation
✅ Indian Skimmer Conservation Project launched by BNHS
✅ IUCN status: Endangered
✅ Focus on riverine habitats
🔆 STATES
📍 Karnataka
✅ Launches ‘Gruha Lakshmi Digital Marketing’ portal
✅ Enables women entrepreneurs to sell products online
📍 Education
✅ University of New South Wales (Australia) to open Bengaluru campus by Aug 2026
🔆 APPOINTMENTS
📍 United Nations
✅ D.B. Venkatesh Varma appointed Chair, UN Advisory Board on Disarmament Matters (ABDM)
✅ First Indian to hold this position
🔆 AWARDS & SPORTS
📍 Cricket
✅ Mitchell Starc named ICC Men’s Player of the Month (Dec 2025)
📍 Women’s Cricket
✅ Laura Wolvaardt wins ICC Women’s Player of the Month
#CurrentAffairs
Join https://t.me/CurrentAffairs_ONLY
🔆 ECONOMY & FINANCE
📍 Foreign Direct Investment
✅ India attracts USD 51 billion FDI in last 6 months
✅ Driven by reforms, macro stability & large market
📍 Startup push
✅ National Startup Day 2026 – 16 Jan
✅ 75 Grand Challenges announced
✅ 20 National Startup Awards to be given
📍 Exports
✅ India’s exports cross USD 634 billion (Apr–Dec 2025)
✅ Growth: 4.33%
📍 Top destinations
✅ USA, China, UAE, Spain, Hong Kong
📍 Employment
✅ Unemployment rate 4.8% (Dec 2025)
✅ LFPR rises to 56.1%
✅ WPR at yearly peak 53.4%
🔆 INTERNATIONAL AFFAIRS
📍 Global Risks Report 2026
✅ Released by World Economic Forum (WEF)
✅ Top global risk: Geoeconomic confrontation
📍 Long-term risks (2036)
✅ Extreme weather, biodiversity loss, ecosystem collapse
📍 India-specific risks
✅ Cyber insecurity, inequality, weak public services
📍 Nepal
✅ Celebrates National Agricultural Biodiversity Day in Kathmandu
📍 India–EU
✅ EU Council President António Costa & Commission President Ursula von der Leyen
➡ Chief Guests at 77th Republic Day 2026
🔆 NATIONAL AFFAIRS
📍 Postal & Digital Commerce
✅ Department of Posts delivers first order via ONDC as logistics partner
✅ Promotes open, interoperable digital commerce
📍 MSME Sector
✅ NITI Aayog report on scheme convergence released
📍 Key suggestions
✅ Integrate MSME schemes
✅ Centralised digital portal
✅ Skill convergence across schemes
📍 Rural Women Entrepreneurship
✅ National campaign under DAY–NRLM
✅ Target: 3 crore Lakhpati Didis
✅ Focus on non-farm livelihoods
📍 Agriculture & Livestock
✅ ICAR registers Karan Fries cattle breed
✅ High-yield & climate-resilient
✅ Crossbreed: Holstein Friesian × Tharparkar
🔆 SCIENCE & TECHNOLOGY
📍 Space
✅ SpaceX conducts first-ever medical evacuation from ISS
✅ Crew safely returned via Dragon capsule
📍 Mission facts
✅ Duration: 167 days
✅ Distance covered: ~71 million miles
📍 Climate & Carbon Market
✅ Microsoft buys 2.85 million soil carbon credits
✅ World’s largest such deal
✅ Linked to regenerative agriculture
🔆 ENVIRONMENT & BIODIVERSITY
📍 Conservation
✅ Indian Skimmer Conservation Project launched by BNHS
✅ IUCN status: Endangered
✅ Focus on riverine habitats
🔆 STATES
📍 Karnataka
✅ Launches ‘Gruha Lakshmi Digital Marketing’ portal
✅ Enables women entrepreneurs to sell products online
📍 Education
✅ University of New South Wales (Australia) to open Bengaluru campus by Aug 2026
🔆 APPOINTMENTS
📍 United Nations
✅ D.B. Venkatesh Varma appointed Chair, UN Advisory Board on Disarmament Matters (ABDM)
✅ First Indian to hold this position
🔆 AWARDS & SPORTS
📍 Cricket
✅ Mitchell Starc named ICC Men’s Player of the Month (Dec 2025)
📍 Women’s Cricket
✅ Laura Wolvaardt wins ICC Women’s Player of the Month
#CurrentAffairs
Join https://t.me/CurrentAffairs_ONLY
❤8
❤🔥3
🔆 Personality in News: Thiruvalluvar
📍 Context
✅ Prime Minister paid tribute to Thiruvalluvar on the occasion of Thiruvalluvar Day.
📍 About Thiruvalluvar
✅ Renowned Tamil philosopher, poet, and ethical thinker
✅ Believed to have lived in Mylapore (present-day Chennai)
📍 Key Contributions
✅ Tirukkural:
• A timeless Tamil classic comprising 1,330 couplets
• Covers ethics, statecraft, economy, family life, and love
• Considered a guide for personal conduct and good governance
📍 Structure of Tirukkural
✅ Aram – Righteousness / Ethics
✅ Porul – Wealth, polity, governance
✅ Inbam – Love and human relationships
📍 Statue & Legacy
✅ Thiruvalluvar Statue located at Kanyakumari, Tamil Nadu
✅ Sculpted by V. Ganapathi Sthapathi
✅ Symbolises ethical wisdom standing at the confluence of cultures
📍 Core Values
✅ Righteousness
✅ Compassion
✅ Justice
✅ Moral integrity
✅ Universal humanism
#history #prelims #mains
Join https://t.me/CSE_EXAM https://t.me/Upsc_4_history
📍 Context
✅ Prime Minister paid tribute to Thiruvalluvar on the occasion of Thiruvalluvar Day.
📍 About Thiruvalluvar
✅ Renowned Tamil philosopher, poet, and ethical thinker
✅ Believed to have lived in Mylapore (present-day Chennai)
📍 Key Contributions
✅ Tirukkural:
• A timeless Tamil classic comprising 1,330 couplets
• Covers ethics, statecraft, economy, family life, and love
• Considered a guide for personal conduct and good governance
📍 Structure of Tirukkural
✅ Aram – Righteousness / Ethics
✅ Porul – Wealth, polity, governance
✅ Inbam – Love and human relationships
📍 Statue & Legacy
✅ Thiruvalluvar Statue located at Kanyakumari, Tamil Nadu
✅ Sculpted by V. Ganapathi Sthapathi
✅ Symbolises ethical wisdom standing at the confluence of cultures
📍 Core Values
✅ Righteousness
✅ Compassion
✅ Justice
✅ Moral integrity
✅ Universal humanism
#history #prelims #mains
Join https://t.me/CSE_EXAM https://t.me/Upsc_4_history
❤7🔥1
inflation, what is inflation, inflation explained, economy, finance, money, why are prices going up, cost of living, economics explained, federal reserve, recession, investing for beginners, financial literacy, personal finance, macroeconomics, interest rates, wealth, purchasing power, hyperinflation, business news, learn economics
https://youtube.com/watch?v=nkvaKSCErag&si=Cf9m1L3n6C-n0gM7
https://youtube.com/watch?v=nkvaKSCErag&si=Cf9m1L3n6C-n0gM7
YouTube
What is Inflation and How It Affects Your Money #inflation #economy #upsc #prelims #uppsc #mppsc
In this video, we break down inflation what it is, why it happens, and what it means for your wallet.
-------------
The Definition: What is inflation actually?
The Causes: Demand-pull vs. Cost-push (explained simply).
Purchasing Power: Why your dollar…
-------------
The Definition: What is inflation actually?
The Causes: Demand-pull vs. Cost-push (explained simply).
Purchasing Power: Why your dollar…
❤2
🔆 CURRENT AFFAIRS — 17 JANUARY 2026
🔆 REGULATORY / RBI
📍 Integrated Ombudsman Scheme (RB-IOS), 2026
✅ RBI authorises Ombudsman to award compensation up to ₹30 lakh
📍 Compensation Types
✅ Consequential financial loss → up to ₹30 lakh
✅ Non-financial loss (harassment, mental agony, time loss) → up to ₹3 lakh
📍 Key Reforms
✅ No monetary limit on dispute amount that can be taken to Ombudsman
✅ Earlier limits removed → enhances consumer protection
📍 Applicability
✅ Banks
✅ NBFCs
✅ PPI issuers
✅ Credit Information Companies
📍 Effective Date
✅ 1 July 2026
📍 CRPC
✅ RBI to establish Centralised Receipt & Processing Centres (CRPCs)
📍 Function
✅ Central receipt
✅ Digital processing of complaints
🔆 REGULATORY / SEBI
📍 SWAGAT-FI Framework
✅ SEBI operationalises Single Window Automatic & Generalised Access for Trusted Foreign Investors (SWAGAT-FI)
📍 Coverage
✅ Foreign Portfolio Investors (FPIs)
✅ Foreign Venture Capital Investors (FVCIs)
📍 Objective
✅ Ease compliance
✅ Faster onboarding
✅ Single-window digital access
🔆 ECONOMY & EMPLOYMENT
📍 Employment Trends
✅ Unemployment rate remains 4.8% (Dec 2025)
✅ Reflects stability in labour market
📍 Exports
✅ India’s exports cross USD 634 billion
✅ Growth: ~4.3% (first 9 months of FY26)
🔆 INTERNATIONAL / REPORTS
📍 Global Risks Report 2026
✅ Released by World Economic Forum (WEF)
📍 Top Global Risk (Short-term)
✅ Geoeconomic confrontation
📍 Long-term Risks
✅ Extreme weather events
✅ Biodiversity loss
✅ Ecosystem collapse
🔆 NATIONAL AFFAIRS
📍 Digital Commerce
✅ Department of Posts completes first logistics delivery via ONDC
📍 Significance
✅ Govt participation in open digital commerce ecosystem
📍 Education / Competitions
✅ India Post launches UPSC International Letter Writing Competition for students
📍 Women Entrepreneurship
✅ Karnataka launches Gruha Lakshmi Digital Marketing Portal
📍 Objective
✅ Enable SHG women to market products online
📍 Livestock & Agriculture
✅ Karan Fries cattle breed registered by ICAR-NBAGR
📍 Features
✅ High milk yield
✅ Climate-resilient
📍 Parentage
✅ Holstein Friesian × Tharparkar
🔆 SCIENCE & TECHNOLOGY
📍 Space / Medical
✅ SpaceX conducts first medical evacuation from ISS
📍 Crew returned safely via Dragon capsule
📍 Climate Action
✅ Microsoft signs deal to purchase 2.85 million soil-carbon credits
📍 World’s largest such agreement
📍 Supports regenerative agriculture
🔆 ENVIRONMENT
📍 Species Conservation
✅ BNHS launches Indian Skimmer Conservation Project
📍 IUCN Status
✅ Endangered
📍 Focus
✅ Riverine ecosystems
🔆 APPOINTMENTS
📍 United Nations
✅ D.B. Venkatesh Varma appointed Chair, UN Advisory Board on Disarmament Matters
✅ First Indian to hold this post
🔆 SPORTS / AWARDS
📍 ICC Monthly Awards (Dec 2025)
✅ Men’s Player of the Month – Mitchell Starc
✅ Women’s Player of the Month – Laura Wolvaardt
#CurrentAffairs
Join https://t.me/CurrentAffairs_ONLY
🔆 REGULATORY / RBI
📍 Integrated Ombudsman Scheme (RB-IOS), 2026
✅ RBI authorises Ombudsman to award compensation up to ₹30 lakh
📍 Compensation Types
✅ Consequential financial loss → up to ₹30 lakh
✅ Non-financial loss (harassment, mental agony, time loss) → up to ₹3 lakh
📍 Key Reforms
✅ No monetary limit on dispute amount that can be taken to Ombudsman
✅ Earlier limits removed → enhances consumer protection
📍 Applicability
✅ Banks
✅ NBFCs
✅ PPI issuers
✅ Credit Information Companies
📍 Effective Date
✅ 1 July 2026
📍 CRPC
✅ RBI to establish Centralised Receipt & Processing Centres (CRPCs)
📍 Function
✅ Central receipt
✅ Digital processing of complaints
🔆 REGULATORY / SEBI
📍 SWAGAT-FI Framework
✅ SEBI operationalises Single Window Automatic & Generalised Access for Trusted Foreign Investors (SWAGAT-FI)
📍 Coverage
✅ Foreign Portfolio Investors (FPIs)
✅ Foreign Venture Capital Investors (FVCIs)
📍 Objective
✅ Ease compliance
✅ Faster onboarding
✅ Single-window digital access
🔆 ECONOMY & EMPLOYMENT
📍 Employment Trends
✅ Unemployment rate remains 4.8% (Dec 2025)
✅ Reflects stability in labour market
📍 Exports
✅ India’s exports cross USD 634 billion
✅ Growth: ~4.3% (first 9 months of FY26)
🔆 INTERNATIONAL / REPORTS
📍 Global Risks Report 2026
✅ Released by World Economic Forum (WEF)
📍 Top Global Risk (Short-term)
✅ Geoeconomic confrontation
📍 Long-term Risks
✅ Extreme weather events
✅ Biodiversity loss
✅ Ecosystem collapse
🔆 NATIONAL AFFAIRS
📍 Digital Commerce
✅ Department of Posts completes first logistics delivery via ONDC
📍 Significance
✅ Govt participation in open digital commerce ecosystem
📍 Education / Competitions
✅ India Post launches UPSC International Letter Writing Competition for students
📍 Women Entrepreneurship
✅ Karnataka launches Gruha Lakshmi Digital Marketing Portal
📍 Objective
✅ Enable SHG women to market products online
📍 Livestock & Agriculture
✅ Karan Fries cattle breed registered by ICAR-NBAGR
📍 Features
✅ High milk yield
✅ Climate-resilient
📍 Parentage
✅ Holstein Friesian × Tharparkar
🔆 SCIENCE & TECHNOLOGY
📍 Space / Medical
✅ SpaceX conducts first medical evacuation from ISS
📍 Crew returned safely via Dragon capsule
📍 Climate Action
✅ Microsoft signs deal to purchase 2.85 million soil-carbon credits
📍 World’s largest such agreement
📍 Supports regenerative agriculture
🔆 ENVIRONMENT
📍 Species Conservation
✅ BNHS launches Indian Skimmer Conservation Project
📍 IUCN Status
✅ Endangered
📍 Focus
✅ Riverine ecosystems
🔆 APPOINTMENTS
📍 United Nations
✅ D.B. Venkatesh Varma appointed Chair, UN Advisory Board on Disarmament Matters
✅ First Indian to hold this post
🔆 SPORTS / AWARDS
📍 ICC Monthly Awards (Dec 2025)
✅ Men’s Player of the Month – Mitchell Starc
✅ Women’s Player of the Month – Laura Wolvaardt
#CurrentAffairs
Join https://t.me/CurrentAffairs_ONLY
❤7👌2🔥1
#Goodmorning
⏳126 days left CSP26[ 24-05-26]
⏳215 days left CSM26 [ 21-08-26]
⏳182 days left CAPF AC 19 July
⏳134 days left MPSC (MH) prelims [ 31-05-26]
⏳RAS PRELIMS may
⏳98 days Left MPPSC (MP) Prelims 26 April
⏳84 days Left CDS1 /NDA 12 April
⏳35 days CGPSC prelims 22 February
#Target
#TargetOnlyone
#Accountability
https://t.me/anmolvachan1
⏳126 days left CSP26[ 24-05-26]
⏳215 days left CSM26 [ 21-08-26]
⏳182 days left CAPF AC 19 July
⏳134 days left MPSC (MH) prelims [ 31-05-26]
⏳RAS PRELIMS may
⏳98 days Left MPPSC (MP) Prelims 26 April
⏳84 days Left CDS1 /NDA 12 April
⏳35 days CGPSC prelims 22 February
#Target
#TargetOnlyone
#Accountability
https://t.me/anmolvachan1
❤4🔥1🙏1
❤2🔥1
🚀 UPSC Prelims Accelerator Program 🚀
Accelerate your preparation with daily discipline!
Course Highlights:
✅ Daily 9 PM Quiz: 30 high-quality MCQs every evening.
✅ Weekend Routine: Saturday CSAT special | Sunday OFF for rest and review.
✅ Comprehensive Coverage: UPSC + CDS + CAPF + State PSC PYQs + Statics + Current Affairs.
✅ Structured Plan: Full syllabus schedule included to keep you on track.
✅ Unlimited Revision: Access MCQs anytime, anywhere for constant practice.
🎯 Massive Question Bank: Total 5000+ MCQs!
💰 Special Offer Pricing 💰
~Original Fee: ₹999~
Limited Time Deal: ₹899 ONLY!
(Extra 10% OFF Applied)
Sample question https://t.me/+RMQ69mdaUI1iMmNl
Contact - @studytoday_bot
📌 Note: You will get immediate access to all the MCQs posted since the course launch date (22 September).
Accelerate your preparation with daily discipline!
Course Highlights:
✅ Daily 9 PM Quiz: 30 high-quality MCQs every evening.
✅ Weekend Routine: Saturday CSAT special | Sunday OFF for rest and review.
✅ Comprehensive Coverage: UPSC + CDS + CAPF + State PSC PYQs + Statics + Current Affairs.
✅ Structured Plan: Full syllabus schedule included to keep you on track.
✅ Unlimited Revision: Access MCQs anytime, anywhere for constant practice.
🎯 Massive Question Bank: Total 5000+ MCQs!
💰 Special Offer Pricing 💰
~Original Fee: ₹999~
Limited Time Deal: ₹899 ONLY!
(Extra 10% OFF Applied)
Sample question https://t.me/+RMQ69mdaUI1iMmNl
Contact - @studytoday_bot
📌 Note: You will get immediate access to all the MCQs posted since the course launch date (22 September).
❤2🔥1
🔥5👍2❤1
🔆 Reserve Bank – Integrated Ombudsman Scheme (RB-IOS), 2026
📍 Context
✅ RBI has issued the RB-IOS, 2026 to strengthen customer grievance redressal
✅ The scheme will come into effect from 1 July 2026
✅ Applies to services provided by RBI-regulated entities
📍 Objective of RB-IOS 2026
✅ Provide a cost-effective, expeditious and non-adversarial alternative grievance redress mechanism
✅ Ensure uniformity and simplicity in resolving customer complaints
📍 Key Institutional Features
✅ RBI Ombudsman
• RBI may appoint one or more Ombudsman and Deputy Ombudsman
• Tenure: Generally 3 years
✅ Centralised Receipt & Processing Centre (CRPC)
• To be established by RBI
• Receives and processes all complaints centrally
📍 Powers of RBI Ombudsman
✅ No monetary limit on the dispute amount that can be taken up
✅ Can award compensation up to ₹30 lakh to the complainant
📍 Grounds of Complaint
✅ Any act or omission by a Regulated Entity
✅ Resulting in deficiency in service
📍 Appeal Mechanism
✅ Either the Complainant or the Regulated Entity may appeal
✅ Appeal to be filed before the Appellate Authority within 30 days
📍 Role of Regulated Entities
✅ Mandatory appointment of a Principal Nodal Officer at Head Office
✅ Responsible for:
• Furnishing information
• Coordinating with RBI on complaints
#goverment_schemes
Join https://t.me/PIB_UPSC
https://t.me/upsc_government_scheme
📍 Context
✅ RBI has issued the RB-IOS, 2026 to strengthen customer grievance redressal
✅ The scheme will come into effect from 1 July 2026
✅ Applies to services provided by RBI-regulated entities
📍 Objective of RB-IOS 2026
✅ Provide a cost-effective, expeditious and non-adversarial alternative grievance redress mechanism
✅ Ensure uniformity and simplicity in resolving customer complaints
📍 Key Institutional Features
✅ RBI Ombudsman
• RBI may appoint one or more Ombudsman and Deputy Ombudsman
• Tenure: Generally 3 years
✅ Centralised Receipt & Processing Centre (CRPC)
• To be established by RBI
• Receives and processes all complaints centrally
📍 Powers of RBI Ombudsman
✅ No monetary limit on the dispute amount that can be taken up
✅ Can award compensation up to ₹30 lakh to the complainant
📍 Grounds of Complaint
✅ Any act or omission by a Regulated Entity
✅ Resulting in deficiency in service
📍 Appeal Mechanism
✅ Either the Complainant or the Regulated Entity may appeal
✅ Appeal to be filed before the Appellate Authority within 30 days
📍 Role of Regulated Entities
✅ Mandatory appointment of a Principal Nodal Officer at Head Office
✅ Responsible for:
• Furnishing information
• Coordinating with RBI on complaints
#goverment_schemes
Join https://t.me/PIB_UPSC
https://t.me/upsc_government_scheme
❤7🔥2
❤5🔥2👌1