Dear Students,

This snippet may look like just another FDI data story, but it carries an important macroeconomic signal.

India’s net FDI turned stronger in FY26.

Read today’s Quick Decode below.

🤠 Chapterss Quick Decode | Episode 12

Why This Chart Matters?
👉 The chart shows India’s Net FDI trend from FY20 to FY26. Net FDI was very strong in FY20 and FY21, but it gradually declined in the following years. In FY25, it fell sharply to only $0.95 billion.

👉 However, in FY26, net FDI improved to $7.65 billion. That is why FY26 is being called a recovery year for India’s net FDI position.

What Is Gross FDI?

👉 Gross FDI means the total foreign direct investment coming into India before adjusting for money going out.

👉 In simple words, it tells us how much fresh investment foreign companies and investors are bringing into India through equity investment, reinvested earnings (profits earned in India that are invested again instead of being taken back), or other long-term investment routes.

👉 For example, if foreign companies invest $100 billion in India during a year, then this is counted as gross FDI inflow.

What Is Net FDI?

👉 Net FDI gives the real final picture after adjusting for outflows. It is calculated after considering money going out due to repatriation, disinvestment, and outward investment by Indian companies.

👉 For example, suppose foreign investors bring $100 billion into India, but they also take back $90 billion through profit repatriation, stake sales, or exits. In that case, net FDI will be only $10 billion.

👉 So, gross FDI shows the total inflow, while net FDI shows the actual net gain for the country.

Why Can Gross FDI Be High but Net FDI Be Low?

👉 This happens when foreign investment comes into India, but at the same time, a large amount of money also goes out. Money may go out because foreign investors sell their stakes, take profits back to their home country, exit earlier investments, or Indian companies invest abroad.

What Happened in FY26?

👉 In FY26, India’s net FDI improved from $0.95 billion in FY25 to $7.65 billion. This means the situation improved compared to the previous year.

👉 But if we compare it with FY20 and FY21, net FDI is still much lower. So, FY26 shows recovery, but not a complete return to earlier high levels.

👉 In March 2026 also, net FDI remained positive at $1.57 billion, marking the ninth consecutive month of positive net inflows.

FDI vs FPI:

👉 The article also mentions that portfolio investment (FPI) flows weakened sharply in FY26, with a net portfolio investment outflow of $16.67 billion due to foreign portfolio investor outflows.

👉 FDI is usually more stable and long-term because it is linked with business ownership and productive investment. FPI is more market-sensitive and can move out quickly due to global uncertainty, interest rates, risk sentiment or currency pressure.

Chapterss Takeaway

Gross FDI tells us how much foreign investment is entering India. Net FDI tells us how much actually remains after outflows. FY26 was a recovery year because net FDI improved to $7.65 billion, but the chart also shows that India’s net FDI is still far below the levels seen during FY20 and FY21.

Team Chapterss

Dear Students,

This image is full of data, but you do not have to remember every number.

Read today’s Quick Decode below.

🤠 Chapterss Quick Decode | Episode 13

What Is LRS?

👉 LRS stands for Liberalised Remittance Scheme. The scheme was launched by the Reserve Bank of India (RBI) in 2004 to simplify and liberalise the process of sending money abroad by resident individuals.

👉 At present, resident individuals can remit up to USD 2,50,000 per financial year

👉 In simple words, LRS tells us how much money Indian residents are sending outside India for personal, family, education, travel and investment-related purposes.

Where Do People Use LRS?

👉 People use LRS for different purposes such as overseas education, international travel, medical treatment, maintenance of relatives living abroad, investment in foreign equity or debt, deposits abroad and purchase of property outside India.

👉 For example, if an Indian student goes to the US, UK, Canada or Australia for higher education, the money sent by the family for fees and living expenses can come under LRS. Similarly, if an Indian resident invests in foreign stocks or sends money for foreign travel, it may also be covered under LRS.

What Is the Major News?

👉 India’s outward remittances under LRS declined by nearly 2% year-on-year to $28.98 billion in FY26, compared to $29.56 billion in FY25. This means Indians sent slightly less money abroad under LRS during FY26.

👉 One major reason was the decline in overseas education spending. This happened mainly because of tighter visa rules, especially in countries like the United States, and weaker job opportunities abroad.

👉 Because of this, some students may have delayed their foreign education plans or shifted towards relatively lower-cost destinations.

👉 Another important reason was rupee depreciation. When the rupee becomes weaker, foreign education, foreign travel and overseas maintenance become more expensive for Indian families. This can reduce the amount of money sent abroad for these purposes.

👉 Geopolitical uncertainty and stricter policies in major destination countries also added pressure.

What Does the Category-Wise Data Show?

👉 International travel remained the largest component of LRS outflows. It accounted for more than 50% of total outward remittances. However, spending on international travel declined by 2.3% to $16.87 billion in FY26.

👉 Funds sent for maintenance of close relatives and overseas education also declined. This shows that consumption-linked and family-support-linked remittances weakened during the year.

Where Did Growth Happen?

👉 While education, travel and maintenance-related remittances declined, investment-related remittances increased.

👉 Investment in foreign equity and debt through LRS rose sharply. This means more Indian residents used LRS to invest in global financial markets.

👉 So, the broad pattern is clear: consumption-linked overseas spending weakened, but investment-linked remittances improved.

Chapterss Takeaway

LRS means money sent abroad by resident individuals for permitted purposes. In FY26, India’s outward remittances under LRS declined slightly to $28.98 billion, mainly due to lower spending on travel, overseas education and maintenance of relatives abroad.

However, investment-related remittances increased, showing that Indians are also using LRS to participate in global financial markets.

Team Chapterss

Dear Future Officers,

Today at 4:00 PM, we will conduct the Current Affairs Weekly Revision Session covering 10th–14th February 2026.

As we all know, February 2026 is important for the exam scheduled on 13th June 2026. So, make sure you revise the 1st week of February 2026 properly and do not leave any gaps in your preparation.

Join the session on time and revise with full focus.

Link: https://youtube.com/live/9pxyDCbR9kE?feature=share

For those looking for PDFs for revision:

• Complete CA Package (₹100) | Link: Click Here

-- Team Chapterss

Dear Future Officers,

Today’s ARD Class 10 is now available for your NABARD Grade A 2026 preparation.

Link - https://youtu.be/4v_ogOiuk38

In this class, we continued Chapter 2: Farming System and Cropping System and discussed different types of farming systems based on land use, major enterprise, ecological conditions and regional characteristics.

📌 Class Topic: Farming System Classification
📌 Class Number: ARD Class 10
📌 Exam: NABARD Grade A 2026

In this class, we covered:

✅ Arable Farming
✅ Pastoral Farming
✅ Plantation Farming
✅ Horticulture-based Farming
✅ Dairy Farming
✅ Poultry Farming
✅ Fish Farming
✅ Sericulture
✅ Apiculture
✅ Mushroom Farming
✅ Ley Farming
✅ Hill Farming
✅ Terrace Farming
✅ Shifting Cultivation
✅ Coastal Farming
✅ Desert Farming
✅ Tribal Farming System
✅ Peri-urban Farming
✅ Diara Farming

These concepts are important for building a strong foundation in ARD because questions in NABARD may directly test your understanding of different farming systems and their examples.

Step by step, we will master ARD for NABARD Grade A 2026.

📘 ARD Full Course: https://www.chapterss.in/l/rm6bF8W

Team Chapterss

Dear Students,

This post is for all aspirants preparing for **NABARD Grade A 2026**.

Please do not sit idle and wait only for the notification. NABARD tests you on multiple parameters, and if you want to be ready for those parameters, your preparation must start now.

If you are already preparing for RBI Grade B, your preparation will definitely help you in NABARD as well..

But if you are not preparing for RBI and are simply waiting for the NABARD notification, then this is the time to wake up.

Our ARD classes and Current Affairs classes are freely available on YouTube. ARD + Current Affairs will help you in both Phase 1 and Phase 2.

So please do not become a sitting duck.

Study something every day. Build consistency now. Your future self will thank you later.

📌 One small update:
We were planning to start the NABARD Grade A study plan from today, but we have postponed it after receiving concerns from a few serious RBI aspirants who felt that starting a separate NABARD plan right now may create distraction.

So, we are planning to start the structured NABARD study plan after RBI Grade B Phase 1 concludes.

Till then, keep studying. Keep watching the free classes. Keep building your base.

The race to NABARD Grade A 2026 has already started.

We are "expecting" notification to be released by July end.

Team Chapterss

Dear Future Officers,

RBI Grade B 2026 Edit Window is OPEN.

If you made any mistake in your application form, this is your last opportunity to correct it.

⏰ Deadline: 26 May 2026, 6:00 PM
💰 Correction Fee: ₹200
⚠️ Correction allowed only once

We have uploaded a short video explaining the full update.
Watch it now and complete the correction carefully.

Link: https://youtube.com/shorts/OWfFKS1GLzI?feature=share

Don’t wait for the last moment.

-- Team Chapterss

Message of Mentor

Devanshu Sir: Jalaj Sir, what is the special occasion today? You are looking very happy.

Jalaj Sir: Sir, I just checked my phone and realised that today is 25th May. We have completed one month on YouTube.

And honestly, I am feeling proud today, not in the sense of showing off, but because the vision with which we started Chapterss is slowly taking shape.

Devanshu Sir: How do you feel that the vision is taking shape?

Jalaj Sir: Sir, in the last one month, we have uploaded 50+ YouTube videos, and almost every video was purely content-driven.

No unnecessary noise around jobs.
No unnecessary hype around salaries.
No forced marketing.
No random discussions just to attract attention.

We are teaching content because we are teachers. We are not here only to sell. We are here to teach, guide, and simplify the journey of students.

Devanshu Sir: Exactly, Sir. A teacher should teach and guide students. That is the real responsibility.

Jalaj Sir: Sir, are you happy with our one-month YouTube journey?

Devanshu Sir: Very happy. We have conducted current affairs live classes consistently on YouTube. We have started structured ARD classes. We have also covered the first chapter of Management in an organised manner.

And the best part is that students who cannot afford any course are also getting access to quality content for free.

Jalaj Sir: That is the most important point, Sir. Whether a student is paid or free, a student is a student.

Devanshu Sir: Absolutely. A teacher should never differentiate between a paid student and a free student. Our duty is to teach with honesty.

Jalaj Sir: Long way to go, Sir. But yes, the journey has started.

With honest teaching, consistent effort, and the blessings of students, we hope Chapterss will keep moving in the right direction.

Team Chapterss

🌅 Good Morning, Future Officers!
Today’s Positive Manifestation

“Today, I leave behind my doubts, my excuses, and my fears. I choose clarity, courage, and consistency.”

“आज मैं अपने संदेह, बहाने और भय को पीछे छोड़ता हूँ।
मैं स्पष्टता, साहस और निरंतरता को चुनता हूँ।”

Repeat it 5 times…
Let this energy remind you that your dream begins where your fears end.

Dear Future Officers,

It is really high time to cover and revise Current Affairs seriously. With exams getting closer, daily and structured revision is no longer optional.

That is why we are conducting Daily Current Affairs Sessions at 8:00 AM.

In today’s session, we will cover 16th May 2026 Current Affairs in an exam-focused manner.

Join the session from the link below: https://youtube.com/live/5nrwthUPVmU?feature=share

--Team Chapters

Dear Students,

For 25th May, we have covered 3 extremely important articles for you and honestly, all three are absolute must-reads.

1. Women & Business Loans - Understand women entrepreneurship, credit access, financial inclusion and why many women borrowers still remain outside the formal system.

2. RBI Surplus Transfer - Learn why RBI’s record surplus transfer may still not fully ease the government’s fiscal pressure, especially due to subsidies, crude oil prices and fiscal deficit concerns.

3. ATM Interchange Fee - Understand why ATM charges may be linked to WPI and how rising operating costs are affecting banks and payment infrastructure.

All three articles are important for Phase 2 + Interview preparation.

Link to read:
Only Editorial Course - Click here
or
Comprehensive Current Affairs Package (including Editorials) - Click Here

Dear Students,

We have all heard of health insurance, life insurance, vehicle insurance and travel insurance.

But what exactly is parametric insurance?

This article is important because extreme heat, erratic rainfall and climate risks are now creating demand for new types of insurance products.

So today, do not just read this as a weather-related news item. Read it as a concept linked with climate risk, insurance innovation and financial protection.

Read today’s Quick Decode below.

👨‍⚖ Chapterss Quick Decode | Episode 14

1. The Core Development: Extreme Heat Is Creating Demand for Parametric Insurance

👉 India’s rising temperatures and changing climate patterns are increasing demand for parametric insurance.

👉 The article says that insurers are seeing higher demand for products covering heatwaves, excessive rainfall, floods, earthquakes and other weather-related events.

👉 This is important because climate risk is now becoming a financial risk for farmers, daily wage workers, construction workers, small businesses and urban workers.

2. What Is Parametric Insurance?

👉 Parametric insurance is an insurance product where payout is linked to a pre-decided measurable trigger, not detailed assessment of actual loss.

👉 For example, if a policy says payment will be made when temperature crosses 42°C or 44°C in a particular location, then the claim can be triggered once that condition is met.

👉 Similarly, a rainfall-based policy may automatically provide payout if rainfall in a district falls below a fixed level during the crop season.

👉 So, unlike traditional insurance, the insurance company does not first assess every individual’s exact financial loss. The payout happens based on the agreed parameter.

In simple words:

👉 Suppose you have a normal health insurance policy. If you are hospitalised, you first submit hospital bills and documents. The insurer then checks the actual expenses before settling the claim.

That is traditional insurance.

👉 But imagine a policy that promises an automatic payout if the temperature in your city crosses 45°C for three consecutive days. In that case, payment is linked to the trigger itself, not detailed proof of personal loss.

So:

Traditional insurance: Show actual loss → assessment → claim settlement
Parametric insurance: Trigger is breached → payout process starts

3. What Does the Data Say?

👉 The article says that Bajaj General Insurance sold around 85,000 parametric policies in April to early May, compared with around 90,000 policies during the entire FY26. Go Digit also covered more than 30,000 individuals between April and mid-May this calendar year, compared with 10,000 in FY26.

👉 This clearly shows that climate-linked insurance products are finding more takers.

4. Why Is This Useful?

👉 Parametric insurance is useful because it can provide faster financial relief. For a daily wage worker, farmer or construction worker, extreme heat or excess rainfall can directly affect income. If the payout is linked to a clear trigger, the claim process can become quicker and less complicated.

👉 This is why such products are being explored for climate-vulnerable groups.

👉 It is not only an insurance innovation. It is also a tool for protecting livelihoods in a climate-risk economy.

Chapterss Takeaway:
Parametric insurance pays when a pre-defined measurable trigger is breached. As extreme heat and erratic rainfall rise, such products can become important for faster financial protection of farmers, workers and climate-vulnerable households.

Team Chapterss

Dear Future Officers,

Today at 4:00 PM, we will conduct the Current Affairs Weekly Revision Session covering 15th–22nd February 2026.

As we all know, February 2026 is important for the exam scheduled on 13th June 2026. So, make sure you revise the 1st week of February 2026 properly and do not leave any gaps in your preparation.

Join the session on time and revise with full focus.

Link: https://youtube.com/live/bdX5ZmoQgpU?feature=share

For those looking for PDFs for revision:

• Complete CA Package (₹100) | Link: Click Here

-- Team Chapterss

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,

The Daily Current Affairs Quiz for 16th May 2026 has been uploaded on the portal. Now it’s your turn, go ahead and attempt the quiz, analyze your performance, and strengthen your retention.

The quiz carries 69 MCQs, perfect from an analysis point of view.

Do share your scores!!

Stay consistent. Every quiz takes you one step closer.

For those who wish to join:

- Complete CA Package (₹100) | Link: Click Here

-- Team Chapterss

Message of the Day
Topic: A Good Finish Matters

Dear Future Officers,

You study day in and day out for your regulatory body exams. You put in months of effort, discipline, sacrifice, and consistency.

But when the exam comes closer, many students lose control of the ending phase.

Some start overthinking.
Some start picking up too many new sources.
Some revise randomly.
Some panic because everything starts looking important.

But remember one thing: the final phase is not about doing everything. It is about doing the right things calmly.

At this stage, staying grounded is very important.

Do not overdo it now. Do not suddenly run behind every new source. Do not let panic decide your strategy.

Keep things simple. Revise what you have already studied. Strengthen your notes. Revise important facts, reports, schemes, concepts, and PYQs. Solve questions, but do not destroy your confidence by chasing unlimited material.

A good finish does not mean studying 18 hours in panic.
A good finish means staying composed, staying grounded, revising smartly, and entering the exam hall with clarity.

At this stage, control is more important than chaos.

Keep it simple. Keep revising. Keep believing.

Your finish matters.
Team Chapterss

Dear Future Officers,

It is really high time to cover and revise Current Affairs seriously. With exams getting closer, daily and structured revision is no longer optional.

That is why we are conducting Daily Current Affairs Sessions at 8:00 AM.

In today’s session, we will cover 17th May 2026 Current Affairs in an exam-focused manner.

Join the session from the link below: https://youtube.com/live/4OnlyQuqUeA?feature=share

--Team Chapters

👨‍💼 Dear Future Officers,

We have uploaded the Current Affairs Chapter of 17th May 2026 on the portal. It covers highly relevant articles for RBI, NABARD, SEBI & other regulatory exams.

Go and read it today.

For those who wish to join:

• Complete CA Package (₹100) | Link: Click Here

— Team Chapterss

Dear Future Officers,

This is a must-read editoria written by Janak Raj, former Executive Director of RBI and former member of the Monetary Policy Committee.

In this one editorial, you will understand:

✅ What is the Tinbergen Principle?
✅ How RBI handled currency pressure in 2013 and 2018
✅ Why RBI should not raise interest rates only to defend the rupee
✅ Why FPIs are pulling money out of India
✅ What should be the way forward in the present global uncertainty

This editorial gives a fresh perspective from someone who has been inside the RBI and MPC framework.

We have covered this masterpiece in our Editorial Course, where we decode 50+ editorials/articles in a structured, exam-oriented manner.

Read Here - https://www.chapterss.in/l/rAfl4kI

Team Chapterss