Dear Future Officers,

Camera Check ✅
Content Check ✅
Devanshu Sir Ready ✅

Now it’s your turn.

Join today’s 8 AM live class for current affairs and start your preparation with full focus.

See you sharp at 8 AM.

Link to Join - https://youtube.com/live/WGYbWTKgwvE

Team Chapterss

Dear Future Officers,

Today’s MUST READ editorial connects PSB reforms, PLI, corporate governance, risk, and HRM.

We break these questions today: 🤔🤔

1. Should PSB executives get 360 days’ bonus while most employees get only 15 days?
2. Can high PLI push bankers towards risky loans and future NPAs?
3. Should PSBs copy private-bank bonuses without private-bank safeguards?
4. Can PSBs become George Bernard Shaw’s “wrong child” by mixing private rewards with public banking?

Link: https://www.chapterss.in/l/rAfl4kI

Team Chapterss

Dear Future Officers,
ARD Class 3 is now live on YouTube.

In this session, we are solving Previous Year Questions from Chapter 1: Introduction to Agriculture for NABARD Grade A 2026.

This class will help you understand how NABARD frames questions in the exam and how you should approach PYQs from Introduction to Agriculture in an exam-oriented manner.

📌 Watch the video here:
https://youtu.be/22BkpkLavnA

Keep learning. Keep revising.
Team Chapterss

Dear Students,

The Revision Video of Chapter 1: Introduction to Agriculture has been uploaded in the ARD Course.

The complete chapter took around 2 hours to study in detail, but through revision, we have covered the entire chapter in just 15 minutes.

This is the real power of revision. The more you revise, the sharper your concepts become and the faster your recall improves.

Please watch the revision video and strengthen your preparation.

Those who wish to Join

ARD Chapter 1 | Rs.51 | Link - Click Here

ARD full Course | Rs.600 | Link - Click Here

Thank you
Team Chapterss

Good Afternoon, Future Officers,

Today’s Current Affairs Live Session by Devanshu sir will cover the 4th Week of April, a crucial segment for your exam preparation, live at 4 PM.

Stay consistent. Stay ahead.

Join here: https://www.youtube.com/watch?v=ityFb0MlQqo&list=PLPxGGvSD66bbyFN8HhawNCUiS9JmgRa14

See you in the session!

This data story highlights a major development issue in India: access to safe drinking water.

According to the article, safe drinking water access in India stood at 76.44% in 2024, which means roughly one in four Indians "still lacks" access to safe drinking water.

Read More 👇

Don’t try to memorize every data point. Focus on understanding the trend and direction of the data.

Rural-Urban Gap
The rural-urban gap in access to safe drinking water has reduced over the years, but it still exists. In 2014, rural access was around 51.54%, while urban access was around 94.70%. By 2024, rural access improved to 72.63%, while urban access increased to 97.12%. This shows that rural India has made significant progress, but urban India still remains far ahead.

Rural India: 2012 vs 2023
In rural India, tube well dependence declined from 52.4% in 2012 to 47.54% in 2023. Piped water access increased from 31.25% to 38.64% during the same period. This shows a positive shift, but also tells us that rural water supply still depends heavily on groundwater sources.

Urban India: 2012 vs 2023
In urban India, piped water remained the dominant source of drinking water. It was around 69.07% in 2012 and 68.19% in 2023, showing little change. However, bottled water usage increased from 3.29% in 2012 to 14.53% in 2023, indicating rising dependence on packaged drinking water in urban areas.

Summary:
India has improved access to safe drinking water, especially in rural areas, but the challenge is not fully over. The rural-urban gap has narrowed, piped water access has improved, and bottled water use is rising. However, the fact that one in four Indians still lacks safe drinking water shows that water access remains a major governance and development challenge.

Also, please note:
See the following image 👇

This data shows India’s position among major BRICS economies in terms of safe drinking water access. According to World Bank data, India’s access improved from 59.58% in 2014 to 76.44% in 2024. This means India has made strong progress, but still has a significant gap to cover.

China is far ahead, with safe drinking water access reaching 100% from 2020 onwards

Those who wish to join:

• Editorial Course | ₹350 | Link: Click Here

• Complete CA Package including editorial | ₹100/month, billed annually | Link: Click Here

Thank you!

Dear Future Officers,

April Current Affairs Revision is complete. ✅

This was not a "one-day marathon".
This was not superficial coverage.

Devanshu Sir taught April Current Affairs **live on YouTube from A to Z** through **8 detailed revision classes**.

Total teaching time:
22 Hours 14 Minutes 33 Seconds
= 1,334 Minutes
= 80,073 Seconds of serious revision value

From tomorrow, we begin March Current Affairs Revision.

So complete April as soon as possible. The earlier you revise, the stronger your retention will be.

Link of all videos: - Click Here

Team Chapterss
Where Teaching is a service!

Message of Mentor
Topic: Those Nights

Dear Future Officers,

Those nights when everyone is sleeping, but you are still sitting with your books.
Those nights when your eyes are tired, but your dreams are still awake.
Those nights when self-doubt silently enters your mind and asks, *“Will I really make it?”*

Remember one thing: these are not ordinary nights.
These are the nights that slowly separate serious aspirants from casual dreamers.

Every officer you admire today has once faced such silent battles.
They also had days of confusion, pressure, backlog, fear, and exhaustion.
But what made the difference was simple: they did not leave the battlefield.

So, when the night feels heavy, do not think that you are struggling alone.
Think that you are building something that your future self will thank you for.

One day, the same nights will become your strongest memories.
You will look back and say,
“Yes, it was difficult. But I stayed. I studied. I fought. And I became what I once dreamed of.”

Keep going.
Your effort is not getting wasted.
Your discipline is silently shaping your destiny.

Team Chapterss
With you, always!

Good Morning, Future Officers!
Today’s Positive Manifestation

“I am a champion.
I'll complete every target I set for today with focus and discipline.”

“मैं एक चैंपियन हूँ।
मैं आज के सभी तय किए गए लक्ष्य पूरे ध्यान और अनुशासन के साथ पूरा करता हूँ।”

Repeat it 5 times.
Champions finish what they start.

Dear Future Officers,

Camera Check ✅
Content Check ✅
Devanshu Sir Ready ✅

Now it’s your turn.

Join today’s 8 AM live class for current affairs and start your preparation with full focus.

See you sharp at 8 AM.

Link to Join - https://www.youtube.com/watch?v=Us7121XQ4jQ

Team Chapterss

It’s okay if you skip this article, but you cannot skip the meaning of SIF and how it is different from normal mutual funds.

Let’s understand it simply.👇

What is AUM?
AUM means Assets Under Management. In simple words, it means the total money being managed by a fund. For example, if investors have put ₹10,000 crore into SIFs, then we say that SIFs have crossed ₹10,000 crore AUM. So, AUM tells us how much money investors have trusted a fund with.

What is SIF?
SIF means Specialised Investment Fund. It is a SEBI-regulated investment product within the mutual fund framework. However, it is not meant for every small investor. It is mainly designed for investors who have more money, higher risk-taking capacity, and want advanced investment strategies.

SIF vs Mutual Fund
Normal mutual funds are made for common retail investors. A person can start investing in mutual funds through small SIPs of ₹100 or ₹500. But SIFs require a minimum investment of ₹10 lakh. This means SIFs are meant for bigger and more serious investors. Also, normal mutual funds mostly make money when the market goes up, while SIFs can use advanced strategies, including derivatives, to manage risk in different market conditions.

Why were SIFs introduced?
SIFs were introduced because there was a gap in the investment market. Small investors had mutual funds, while very rich investors had PMS and AIF products, where the minimum investment is much higher. PMS means Portfolio Management Services and AIF means Alternative Investment Fund. SIFs were introduced to fill the gap between normal mutual funds and these high-ticket products.

Why are SIFs growing?
SIFs are growing because Indian investors are becoming more mature. Many investors now want products that can handle market ups and downs better. Since SIFs come under SEBI’s mutual fund framework, they also offer regulation, transparency, and regular NAV disclosure.

In simple words, SIFs are a middle path between normal mutual funds and high-ticket PMS/AIF products. They are for investors who can invest at least ₹10 lakh and want advanced investment strategies under a regulated structure.

Understood?

Those who wish to join:

• Editorial Course | ₹350 | Link: Click Here
• Complete CA Package including editorial | ₹100/month, billed annually | Link: Click Here

Thank you!

Dear Future Officers,

Current Affairs is not just about reading, it is about practising MCQs again and again so that you can perform in the actual exam with speed, accuracy and confidence.

That is why we are launching our Current Affairs Test Series at just ₹350.
In this test series, you will get:

✅ 200+ MCQs from January Current Affairs
✅ 250+ MCQs from February Current Affairs
✅ 300+ MCQs from March Current Affairs
✅ 400+ MCQs from April Current Affairs
✅ 400+ MCQs from May Current Affairs
✅ 400+ MCQs from June Current Affairs
✅ 180+ MCQs on Budget & Economic Survey
✅ 200+ MCQs on Important RBI Reports

This means you are getting a complete MCQ-based practice system for Current Affairs at a very affordable price.

Note: Monthly MCQs include questions from reports, schemes, RBI notifications, PIB news, ESI + Finance in news, and Phase 1-oriented current affairs.

Course Fee: ₹350 only

Link - https://www.chapterss.in/l/nKAE1ds

Start practising.
Strengthen your Current Affairs.
Improve your score

Team Chapterss

Dear Future Officers,

Today’s Editorial Package is highly exam-relevant.

We are covering:

1. PM Modi’s 7 Appeals to Citizens
How responsible habits like saving fuel, avoiding unnecessary foreign travel, promoting Swadeshi, reducing chemical fertiliser use and mindful consumption can support India’s economic resilience amid global uncertainty.

2. India companies & Future-Ready Growth
Shaktikanta Das’ 7 mantras for Indian industry, reforms, supply-chain resilience, R&D and future-ready businesses.

3. Chemical Fertilisers & Pricing Hurdles
Why India wants to reduce fertiliser overuse, how urea subsidy distorts usage, and why balanced fertilisation matters.

4. India’s Prosperity & Inclusive Growth
RBI Deputy Governor Poonam Gupta’s views on India’s growth journey, macroeconomic stability, state-wise inequality and future reforms.

These are not just articles, these are directly linked with ESI, Finance, Agriculture, rural Growth, Inflation, Reforms and Development issues.

One good editorial discussion can improve your content for descriptive answers and interview.

Those who wish to join:

• Editorial Course | ₹350 |6 months Link: Click Here
• Complete CA Package including editorial| ₹100/month, billed annually | Link: Click Here

Team Chapterss

Read this news!

Question for you: RBI will conduct a 3-day Variable Rate Repo (VRR) auction of ₹50,000 crore.

Now tell me: Does VRR increase liquidity or decrease liquidity in the banking system?

A. Increases liquidity
B. Decreases liquidity

Think before answering.

Explanation 👇

Dear Future Officers, we have already covered the entire Monetary Policy Corridor and RBI’s liquidity management framework in multiple editorial discussions. Now, today’s news on RBI’s 3-day Variable Rate Repo auction of ₹50,000 crore is a direct application of that concept.

First Question: Does VRR Increase or Decrease Liquidity?
A Variable Rate Repo auction increases liquidity in the banking system. In a Repo/VRR operation, RBI gives short-term funds to banks against eligible securities. So, money flows from RBI to banks, which means liquidity in the banking system increases.

Role of WACR
The Weighted Average Call Rate (WACR) is the operating target of monetary policy. RBI wants WACR to remain closely aligned with the repo rate. If WACR moves too much above or below the repo rate, it shows that liquidity conditions are not properly balanced.

Why RBI Is Injecting ₹50,000 Crore?
Even though the banking system had surplus liquidity of ₹2.2 trillion, the WACR moved above the repo rate. This shows that liquidity was not flowing smoothly across the system, or that short-term liquidity conditions had become tight for some banks. Therefore, RBI decided to inject ₹50,000 crore through a 3-day VRR auction to bring WACR closer to the repo rate.

April vs Now
In April, the banking system had surplus liquidity, so RBI absorbed money from the system. But now, because WACR is moving above the repo rate, RBI is pushing money into the system through VRR.

You can read the April episode over here - https://t.me/thechapterss/225

This is how you have to connect the dots!
Think like an Officer!

Team Chapterss

Dear Students,

Today’s class will start at 4:30 PM

Today, Devanshu Sir will cover the 1st week of March Current Affairs.

We have successfully completed the April coverage, and now it is time to go deeper into the month of March. Please be ready and join the session on time.

Link of session - https://youtube.com/live/lkwTHR1iLwM?feature=share

Team Chapterss

Dear NABARD Future Officers,

Chapter 1: Introduction to Agriculture is completed from our end.

But is it actually completed from your end?

✅ Have you practised the descriptive questions/quizzes on the portal?
✅ Have you solved 1-marker and 2-marker MCQs?
✅ Have you revised the chapter properly?
✅ Have you solved all the PYQs?

If not, this is the right time.

Our ARD Full Course for NABARD Grade A 2026 is now available. Complete Chapter 1 before the next chapter starts on Thursday.

What you get in the ARD Full Course:

✅ Chapter-wise videos + notes
✅ Chapter-wise revision videos + revision notes
✅ Chapter-wise objective quizzes
✅ Chapter-wise descriptive quizzes
✅ Chapter-wise descriptive sample material
✅ Chapter-wise sorted PYQs

Link of the course - https://www.chapterss.in/l/rm6bF8W

Don’t wait for the notification. Start now.

It’s now or never.

Team Chapterss

Dear Future Officers,

Before we move to Chapter 2 of Management on Saturday, pause for a moment.

Chapter 1 is not complete just because the classes are complete.

You should be able to say:

✅ I have revised the full chapter
✅ I have solved 100+ MCQs
✅ I have attempted the descriptive test
✅ I have practised all PYQs
✅ I can confidently recall the key concepts

So don’t carry backlog into the next chapter. Finish Chapter 1 properly before Saturday.

Those who wise to Join

Management Full Course | Link - https://www.chapterss.in/l/fjh0LmS

Study with Jalaj sir, management won't be boring anymore!

Team Chapterss