Question Asked in today's UPSC GS 3 Paper, relevant for RBI and NABARD Exams.
Model Answer:
The Human Development Index (HDI) combines life expectancy, education levels, and per capita income to provide a broad measure of average achievements.
The Inequality-adjusted Human Development Index (IHDI) goes further by factoring in inequality in distribution. Where inequality is high, IHDI values are significantly lower than HDI.
India’s Current Status (HDR 2025)
As per the UNDP Human Development Report 2025 – “A Matter of Choice: People and Possibilities in the Age of AI”, India’s HDI in 2023 was 0.685 (Rank 130/193), placing it in the medium human development category.
When adjusted for inequality, India’s IHDI falls to 0.475, reflecting a 30.7% reduction—one of the highest losses in the Asia-Pacific region.
What the Gap Shows:
This sharp drop reveals that health and education inequality have improved somewhat, but income and gender disparities remain severe.
For example, low female labour force participation and uneven access to basic services continue to drag India’s IHDI down.
Why HDI Alone is Misleading:
HDI reflects only averages, masking regional and social inequalities.
For instance, Kerala’s HDI (~0.78) is far above Bihar’s (<0.58), yet this contrast is hidden in the national HDI score.
Why IHDI Matters More:
The IHDI is a better indicator of inclusive growth, as it shows the real level of human development people actually experience.
It helps policymakers identify who is left behind and target interventions—through schemes like Ayushman Bharat (healthcare), PM Jan Dhan Yojana (financial inclusion), and Beti Bachao Beti Padhao (gender equity).
Conclusion:
While HDI measures progress in broad terms, the IHDI captures the depth of inequality, making it a superior and more realistic tool for guiding policies toward equitable development in India 【UNDP, Human Development Report 2025】.
Model Answer:
The Human Development Index (HDI) combines life expectancy, education levels, and per capita income to provide a broad measure of average achievements.
The Inequality-adjusted Human Development Index (IHDI) goes further by factoring in inequality in distribution. Where inequality is high, IHDI values are significantly lower than HDI.
India’s Current Status (HDR 2025)
As per the UNDP Human Development Report 2025 – “A Matter of Choice: People and Possibilities in the Age of AI”, India’s HDI in 2023 was 0.685 (Rank 130/193), placing it in the medium human development category.
When adjusted for inequality, India’s IHDI falls to 0.475, reflecting a 30.7% reduction—one of the highest losses in the Asia-Pacific region.
What the Gap Shows:
This sharp drop reveals that health and education inequality have improved somewhat, but income and gender disparities remain severe.
For example, low female labour force participation and uneven access to basic services continue to drag India’s IHDI down.
Why HDI Alone is Misleading:
HDI reflects only averages, masking regional and social inequalities.
For instance, Kerala’s HDI (~0.78) is far above Bihar’s (<0.58), yet this contrast is hidden in the national HDI score.
Why IHDI Matters More:
The IHDI is a better indicator of inclusive growth, as it shows the real level of human development people actually experience.
It helps policymakers identify who is left behind and target interventions—through schemes like Ayushman Bharat (healthcare), PM Jan Dhan Yojana (financial inclusion), and Beti Bachao Beti Padhao (gender equity).
Conclusion:
While HDI measures progress in broad terms, the IHDI captures the depth of inequality, making it a superior and more realistic tool for guiding policies toward equitable development in India 【UNDP, Human Development Report 2025】.
❤51👍5🔥3
Feedback of a Banker having 10+ years of Experience in PSB.
🌟 Struggling with career clarity in banking & finance? 🌟
I’ve personally mentored hundreds of bankers and professionals, helping them design a career path based on their financial situation, stress level, education, experience, and expertise.
✅ How to continue in banking without stress (Don't Resign)
✅ Switching careers – government roles or high-paying private jobs
✅ Choosing higher education for growth
✅ Roadmap & time management for regulatory body exam preparation
✅ Practical business ideas that actually work
✅ Transition into academics
If you’re at a crossroads in your career, I can guide you with clear, personalized strategies for the next 3–4 months.
📲 For a professional paid one-on-one consultation, WhatsApp me at 9807052019.
🌟 Struggling with career clarity in banking & finance? 🌟
I’ve personally mentored hundreds of bankers and professionals, helping them design a career path based on their financial situation, stress level, education, experience, and expertise.
✅ How to continue in banking without stress (Don't Resign)
✅ Switching careers – government roles or high-paying private jobs
✅ Choosing higher education for growth
✅ Roadmap & time management for regulatory body exam preparation
✅ Practical business ideas that actually work
✅ Transition into academics
If you’re at a crossroads in your career, I can guide you with clear, personalized strategies for the next 3–4 months.
📲 For a professional paid one-on-one consultation, WhatsApp me at 9807052019.
❤20👏1
Most of the Indian’s are in rat race so that they can become a part of #RichClub (Check Yellow Column)!
🔥35💯6❤2
Register here for Free Live workshop on UBI Wealth Manager Syllabus and Strategy to clear the exam. Aug 30, 4PM with Vibha Chaturvedi- Wealth Management Expert, Assistant Professor, Delhi University, M.Com , UGC NET - https://www.ixambee.com/form/mLYf05mwHMSl15Ks
❤2
Placement Record of NIT Warangal, Don't waste too many years in Banking/competitive Exam Preparation, at the max spend 3 years, then take admission in MTech, simultaneously continue preparation for a good organisation, and if you don't get success, then you can take 20-25 LPA Placements! This message is for mature candidates, otherwise you have an option of preparation till the age of 30 and then cry what to do now! No coaching institute person will tell you to leave preparation! You are their money-making machine!
👍55💯18❤11👏5
NIACL AO (Risk Engineer)
Course Page-https://www.ixambee.com/online-course/niacl-ao-risk-engineer
Enrollment link --https://www.ixambee.com/cart/1179
Course Page-https://www.ixambee.com/online-course/niacl-ao-risk-engineer
Enrollment link --https://www.ixambee.com/cart/1179
❤3
Job Opportunity in OpenAI.
OpenAI Posts First Job Openings In India After Announcing New Delhi Office https://www.msn.com/en-in/news/news/content/ar-AA1LalE3?ocid=sapphireappshare
OpenAI Posts First Job Openings In India After Announcing New Delhi Office https://www.msn.com/en-in/news/news/content/ar-AA1LalE3?ocid=sapphireappshare
MSN
OpenAI Posts First Job Openings In India After Announcing New Delhi Office
The company last week also launched a more affordable monthly plan at below $5 to woo customers in India — ChatGPT’s second-largest market by users.
❤3
Lic aao ( Chartered Accountant)
Class is Starting Today- 6:30Pm
Course link -https://www.ixambee.com/online-course/lic-aao-chartered-accountant
Enrollment link -https://www.ixambee.com/cart/1170
Class is Starting Today- 6:30Pm
Course link -https://www.ixambee.com/online-course/lic-aao-chartered-accountant
Enrollment link -https://www.ixambee.com/cart/1170
❤5
Doing a PhD is like doing a Clerk Level job (in terms of earning money, actually it's a high level intellectual task), you will get residence as well as food without any extra fees, you get a stipend equivalent to the clerk salary, allowance to purchase laptop, attend national and international conferences.
At the end good job. Assistant Professor is Group A level job.
If you want to connect with me explore this safe, non target based, non pressure career path then you can connect to me for a personal consultation on WhatsApp 9807052019!
Eligibility: BE/B.Tech/MA/M.Com/M.Sc, No Age Limit.
Such opportunities are available to freshers and for Bankers also PhD options are available but there is a slightly different path, No need to leave the job.
At the end good job. Assistant Professor is Group A level job.
If you want to connect with me explore this safe, non target based, non pressure career path then you can connect to me for a personal consultation on WhatsApp 9807052019!
Eligibility: BE/B.Tech/MA/M.Com/M.Sc, No Age Limit.
Such opportunities are available to freshers and for Bankers also PhD options are available but there is a slightly different path, No need to leave the job.
❤28👍8