HPAS 2017 Economy Topic-Wise Solutions
How many sustainable developments are there in the U.N. Agenda 2030?
Correct Answer is (d) 17:
The United Nations adopted the “2030 Agenda for Sustainable Development” in September 2015. At the heart of this global blueprint are exactly 17 Sustainable Development Goals (SDGs) and 169 specific targets designed to end poverty, protect the planet, and ensure peace and prosperity for all by the year 2030.
Notice a pattern? The exact same topic appeared in the 2018 paper (asking for the target year, 2030) and here in 2017 (asking for the number of goals, 17). The SDGs are an absolute favorite of the HPPSC examiners. You must have them memorized.
If you missed this during our 2018 paper breakdown, here is the foolproof narrative method to memorize all 17 goals in exact order:
“Poor Hungry Hippos Eat Green Watermelons. Every worker in unequal cities consume cold orange lemonade, perfectly poured.”
| # | The U.N. Goal | Mnemonic Link |
|---|---|---|
| 1 & 2 | No Poverty, Zero Hunger | Poor, Hungry |
| 3 & 4 | Good Health, Quality Education | Hippos, Eat |
| 5 & 6 | Gender Equality, Clean Water | Green, Watermelons |
| 7 & 8 | Clean Energy, Decent Work | Every, Worker |
| 9 & 10 | Industry/Innovation, Reduced Inequalities | In, Unequal |
| 11 & 12 | Sustainable Cities, Responsible Consumption | Cities, Consume |
| 13 & 14 | Climate Action, Life Below Water | Cold, Orange |
| 15 & 16 | Life on Land, Peace & Justice | Lemonade, Perfectly |
| 17 | Partnerships for the Goals | Poured |
Do not confuse the UN Agenda 2030 with the previous UN agenda!
- MDGs (Millennium Development Goals): Launched in 2000, expired in 2015. There were only 8 goals. They were primarily aimed at developing countries.
- SDGs (Sustainable Development Goals): Launched in 2015, expire in 2030. There are 17 goals. They are universal, meaning they apply to rich, developed nations just as much as poor nations.
UPSC CSE / State PSC (Similar PYQ): The Sustainable Development Goals (SDGs) were proposed in which of the following major UN conferences?
(A) Earth Summit, 1992
(B) Rio+20 conference, 2012
(C) UN Framework Convention on Climate Change, 2015
(D) Millennium Summit, 2000
Exam Connection: While adopted in 2015, the actual conceptual birth of the SDGs happened at the United Nations Conference on Sustainable Development (Rio+20) in 2012. This is a highly tested origin fact!
What is Indiaβs estimated GDP growth rate for 2018-19 in the Economic Survey?
Correct Answer is (c) 7% β 7.5%:
This was the estimated Real GDP growth rate projected by the Chief Economic Advisor in the Economic Survey for the financial year 2018-19. Because this is an old, time-specific factual question, the exact number is no longer relevant for your upcoming exam.
Never memorize old GDP figures, budget allocations, or deficit targets from PYQs. These numbers change every single year. For your upcoming HPAS attempt, you must look out for the latest data in the newest Economic Survey and Union Budget released just before your exam. Create a fresh cheat sheet for the current year’s GDP growth projection, Fiscal Deficit target, and major scheme allocations.
Even though the data changes, the concept of how the government projects growth remains exactly the same. Here is what you need to understand when reading the latest survey:
| Concept | Explanation for Civil Services |
|---|---|
| The Economic Survey | The flagship annual document of the Ministry of Finance. It is usually presented in Parliament one day before the Union Budget. It is prepared by the Economics Division of the Department of Economic Affairs (DEA) under the guidance of the Chief Economic Advisor (CEA). |
| Real vs. Nominal GDP Growth | When the Economic Survey projects “7% growth,” they are talking about Real GDP Growth (adjusted for inflation). Nominal GDP Growth (which includes inflation) is always higher (usually around 10-11%). The Budget uses Nominal GDP to calculate tax collection estimates. |
| The Purpose of the Projection | The GDP projection is the mathematical foundation of the Budget. If the Survey predicts 7% growth, the Finance Minister uses that exact number to estimate how much tax the government will collect, and consequently, how much it can spend without borrowing too much. |
HPPSC examiners always ask 1-2 direct questions from the HP State Economic Survey as well. Do not just read the National Economic Survey! You must know:
- Himachal Pradesh’s estimated State GDP (GSDP) growth rate.
- The Per Capita Income of Himachal Pradesh (it is usually higher than the national average).
- The contribution of Primary, Secondary, and Tertiary sectors to HP’s GSDP.
What was the Index of Industrial Production in December 2017?
Correct Answer is (b) 7.1%:
This was the specific monthly data for the Index of Industrial Production (IIP) in December 2017. Because IIP is released every single month, this specific figure is completely obsolete for your current preparation.
You do not need to memorize the IIP data for every single month. Instead, when reading the latest Economic Survey right before your exam, look for the annual average growth trend of the industrial sector. Also, keep an eye on whether the manufacturing sector is contracting or expanding overall for the current financial year.
While the monthly data changes, the structural facts about the IIP are static and highly tested in State PSCs. Here is the core technical data you must memorize:
| Feature | Exam Fact |
|---|---|
| What is it? | It is an index that details out the growth of various sectors in an economy such as mineral mining, electricity, and manufacturing. |
| Who publishes it? | The National Statistical Office (NSO), under the Ministry of Statistics and Programme Implementation (MoSPI). |
| Frequency | It is compiled and published Monthly (with a time lag of six weeks). |
| Base Year | The current base year for IIP calculations is 2011-2012. |
| Highest Weightage Sector | Among the broad sectors, Manufacturing holds the highest weightage (approx. 77.6%), followed by Mining (14.3%) and Electricity (7.9%). |
Within the IIP, there are 8 foundational sectors known as the Core Industries. They are incredibly important because they comprise 40.27% of the entire weight of the IIP. UPSC and HPAS examiners love asking you to arrange them by weightage. From highest to lowest weight, they are:
- Refinery Products (Highest)
- Electricity
- Steel
- Coal
- Crude Oil
- Natural Gas
- Cement
- Fertilizers (Lowest)
UPSC CSE / State PSC (Similar PYQ): In the ‘Index of Eight Core Industries’, which one of the following is given the highest weight?
(A) Coal production
(B) Electricity generation
(C) Fertilizer production
(D) Refinery products
Exam Connection: This proves why knowing the static structure of the IIP is far more important than memorizing the fluctuating monthly data.
Find the correct poverty estimates for the given states in 2011-12, as per the Planning Commission?
Correct Answer is (d) Arunachal Pradesh: 34.7%, Bihar: 33.7%, Chhattisgarh: 39.9%, Manipur: 36.9%:
This specific dataset is from the 2011-12 poverty estimates released by the erstwhile Planning Commission. It was based on the Tendulkar Committee Methodology, which calculated poverty purely based on Monthly Per Capita Consumption Expenditure (MPCE). Under that specific 2011-12 calculation, Chhattisgarh recorded the highest poverty ratio among these options.
The Planning Commission was dissolved, and measuring poverty solely by how much money a person spends is now considered obsolete. For your upcoming exams, you must completely shift your focus. Look out for the latest National Multidimensional Poverty Index (MPI) published by NITI Aayog. State PSCs now almost exclusively frame poverty questions around NITI Aayog’s MPI reports.
Instead of just looking at money, the Multidimensional Poverty Index looks at whether people suffer multiple overlapping deprivations in health, education, and living standards. Here is the static structure you must memorize for the exam:
| Dimension (Weight: 1/3 each) | Indicators Tracked |
|---|---|
| 1. Health | Nutrition, Child & Adolescent Mortality, Maternal Health |
| 2. Education | Years of Schooling, School Attendance |
| 3. Standard of Living | Cooking Fuel, Sanitation, Drinking Water, Electricity, Housing, Assets, Bank Accounts |
Examiners love to test the difference between the Global MPI (published by UNDP/OPHI) and India’s National MPI (published by NITI Aayog).
- The Global MPI has only 10 indicators.
- NITI Aayog’s National MPI has 12 indicators.
- India customized the index by adding two specific indicators to better reflect the national context: Maternal Health and Bank Accounts (thanks to the Jan Dhan Yojana). If an option asks what NITI Aayog added, those are your answers!
- Top/Bottom States: Which state has the highest percentage of multidimensionally poor? (Historically Bihar, Jharkhand, Meghalaya, UP). Which state has the lowest? (Historically Kerala, Goa, Sikkim).
- Fastest Reducers: Which states recorded the steepest decline in poverty headcount?
- Himachal’s Rank: Exactly what percentage of HP’s population is multidimensionally poor according to the latest release, and how much did it drop compared to the previous baseline?
UPSC CSE / State PSC (Similar PYQ): Which of the following is/are indicators used by NITI Aayog to compute the National Multidimensional Poverty Index (MPI), but are NOT part of the Global MPI?
1. Maternal Health
2. Child Mortality
3. Bank Accounts
4. Cooking Fuel
Select the correct answer using the code given below:
Exam Connection: This validates the exact trick mentioned above. Knowing the structural difference between the global standard and India’s customized approach is a favorite high-level question.
With what is βOperation Greenβ related?
Correct Answer is (c) Tomato Onion Potato:
Operation Greens was announced in the Union Budget 2018-19 on the lines of “Operation Flood” (White Revolution for milk). Its primary objective was to stabilize the supply and prices of the three most highly consumed and price-volatile vegetables in India: Tomato, Onion, and Potato (TOP). It aims to protect both the farmers (from distress sales when prices crash) and the consumers (from sudden price spikes).
- Nodal Ministry: Examiners will try to trick you by saying it falls under the Ministry of Agriculture. It does NOT. It is implemented by the Ministry of Food Processing Industries (MoFPI) through NAFED.
- TOP to TOTAL: In 2020, under the Aatmanirbhar Bharat Abhiyan, the scheme was expanded from just TOP to cover ALL fruits and vegetables (TOTAL) to provide transportation and storage subsidies.
Agriculture is the backbone of the Indian economy and the most heavily tested sector in civil services. Here is the categorized, high-yield cheat sheet of every major agricultural scheme you need to know.
I. Income Support, Insurance & Credit
- 1. PM-KISAN (Pradhan Mantri Kisan Samman Nidhi): Direct cash transfer of βΉ6,000 per year (in three equal installments of βΉ2,000) to all landholding farmer families.
- 2. PMFBY (Pradhan Mantri Fasal Bima Yojana): Comprehensive crop insurance. Farmers pay a flat premium of 1.5% for Rabi, 2% for Kharif, and 5% for commercial/horticultural crops.
- 3. KCC (Kisan Credit Card): Provides farmers with timely access to short-term credit at concessional interest rates. Now expanded to cover Animal Husbandry and Fisheries.
- 4. PM Kisan Maan Dhan Yojana (PM-KMY): A voluntary and contributory pension scheme providing a guaranteed minimum pension of βΉ3,000/month to small and marginal farmers after age 60.
II. Irrigation, Infrastructure & Energy
- 5. PMKSY (Pradhan Mantri Krishi Sinchayee Yojana): Focuses on expanding cultivable area under assured irrigation and improving water efficiency. Motto: “Har Khet Ko Pani” and “Per Drop More Crop”.
- 6. PM-KUSUM: Provides subsidies to farmers for installing standalone solar pumps and setting up grid-connected solar power plants on barren land to earn extra income by selling power to DISCOMs.
- 7. Agriculture Infrastructure Fund (AIF): A βΉ1 Lakh Crore financing facility to build post-harvest management infrastructure (cold storages, warehouses, silos) at the community farming level.
III. Markets, Pricing & Food Processing
- 8. e-NAM (National Agriculture Market): A pan-India electronic trading portal that networks the existing APMC mandis to create a unified national market for agricultural commodities.
- 9. PM-AASHA (Pradhan Mantri Annadata Aay SanraksHan Abhiyan): Ensures farmers get remunerative prices for their produce through Price Support Scheme (PSS), Price Deficiency Payment Scheme (PDPS), and Private Procurement.
- 10. PM-FME (Formalisation of Micro Food Processing Enterprises): Provides financial, technical, and business support to upgrade existing micro food processing enterprises (e.g., local pickle or papad makers) under the “One District One Product” (ODOP) approach.
IV. Sustainable & Organic Farming
- 11. PKVY (Paramparagat Krishi Vikas Yojana): Promotes cluster-based organic farming with Participatory Guarantee System (PGS) certification.
- 12. Soil Health Card Scheme: Provides farmers with a card indicating the nutrient status of their soil along with recommendations on the appropriate dosage of fertilizers to improve yield and reduce urea overuse.
- 13. NMSA (National Mission for Sustainable Agriculture): Focuses on climate-resilient agriculture, including rainfed area development and soil health management.
UPSC CSE / State PSC (Similar PYQ): With reference to “Pradhan Mantri Fasal Bima Yojana”, consider the following statements:
1. Under this scheme, farmers will have to pay a uniform premium of two percent for any crop they cultivate in any season of the year.
2. This scheme covers post-harvest losses arising out of cyclones and unseasonal rains.
Which of the statements given above is/are correct?
Exam Connection: This highlights how examiners test the exact numerical data of these schemes. Statement 1 is wrong because the premium is NOT uniform across all seasons/crops (1.5% Rabi, 2% Kharif, 5% Commercial). Statement 2 is correct, showcasing the comprehensive nature of the modern insurance scheme.
What is the bank account available to Dalits and Women under βStand-up Indiaβ?
Correct Answer is (c) Rs. 10 lakh β 1 crore:
The Stand-Up India Scheme was launched on April 5, 2016, with a very specific mandate: to promote entrepreneurship at the grassroots level among marginalized groups. It facilitates bank loans ranging strictly between βΉ10 Lakh and βΉ1 Crore for setting up a new enterprise.
The most unique feature of this scheme, and a favorite fact for UPSC/PSC examiners, is its target mandate. Every single scheduled commercial bank branch in India is required to facilitate at least two Stand-Up India loans: one to an SC/ST borrower and one to a woman borrower.
Because the names sound identical and they were launched around the same time (early 2016), examiners love to swap their features in multiple-choice questions. You must know exactly how to tell them apart.
| Feature | Stand-Up India π§π½ββοΈ | Start-Up India π |
|---|---|---|
| Core Objective | Social & Financial Inclusion. Empowering marginalized demographics to become job creators. | Innovation & Scalability. Building a tech/innovative ecosystem to drive massive economic growth. |
| Target Audience | Only Women and SC/ST entrepreneurs. | Anyone with an innovative, scalable business model. (No demographic restrictions). |
| Nodal Ministry | Ministry of Finance (Department of Financial Services) | Ministry of Commerce and Industry (DPIIT) |
| Type of Business | Must be a “Greenfield” (first-time) enterprise in manufacturing, services, agri-allied, or trading. Innovation is NOT required. | Must be highly innovative (tech, new processes) with high potential for wealth/employment creation. |
| Primary Support Mechanism | Direct Bank Loans: βΉ10 Lakh to βΉ1 Crore. | Ecosystem Support: Tax exemptions for 3 years, fast-tracked patent filing, self-certification, and a βΉ10,000 crore “Fund of Funds” managed by SIDBI. |
If an SC/ST or woman entrepreneur already runs a successful bakery and wants a loan to expand it, can they use Stand-Up India? No. The scheme is strictly for “Greenfield” projectsβmeaning it must be the very first venture of the beneficiary in the manufacturing, services, or trading sector.
UPSC CSE / State PSC (Similar PYQ): What is the purpose of ‘Stand-Up India’ scheme?
1. To promote entrepreneurship among SC/ST and women entrepreneurs.
2. To promote entrepreneurship specifically in the high-tech innovation sector.
Select the correct answer using the code given below.
Exam Connection: A classic example of an examiner mixing the features of Stand-Up and Start-Up. Statement 2 belongs to Start-Up India. Stand-Up India just requires it to be a new business; it does not need to be high-tech or highly innovative.
What was the approximate decadal population growth rate of Himachal Pradesh in census 2011?
Correct Answer is (b) 12.9%:
According to the 2011 Census, the decadal population growth rate of Himachal Pradesh (for the period 2001β2011) was exactly 12.94%, which the examiners rounded to 12.9%. This was a significant drop from the 17.54% growth rate recorded in the previous decade (1991β2001), indicating strong success in family planning and population stabilization within the state.
To truly master this metric, you must compare it to the national figure. India’s national decadal growth rate for 2011 was 17.7%. Himachal Pradesh’s 12.9% was significantly lower, placing it among the better-performing states in demographic transition.
Because the 2021 Census has been infinitely delayed, the 2011 Census data remains the absolute gold standard for all State PSC exams. You must memorize these specific figures for Himachal Pradesh:
| Demographic Metric | HP Census 2011 Data |
|---|---|
| Total Population | 68,64,602 (Roughly 68.6 Lakhs) |
| Population Density | 123 persons per sq. km (National average is 382) |
| Sex Ratio | 972 females per 1,000 males (Higher than national average of 943) |
| Child Sex Ratio (0-6 yrs) | 909 females per 1,000 males |
| Overall Literacy Rate | 82.80% (Male: 89.53%, Female: 75.93%) |
| Rural Population % | 89.96% (Highest in the entire country!) |
Examiners love asking which state in India has the highest percentage of rural population. Students often guess Bihar or Uttar Pradesh. The correct answer is Himachal Pradesh, with nearly 90% of its population living in rural areas. Consequently, it has the lowest urban population percentage (10.04%) in India.
UPSC CSE / State PSC (Similar PYQ): According to Census 2011, which of the following states has the highest proportion of rural population?
(A) Bihar
(B) Odisha
(C) Himachal Pradesh
(D) Assam
Exam Connection: This validates the exact trap mentioned above. Memorize HP’s ~90% rural split; it is a defining demographic characteristic of the state’s economy.
Immunization of all children by 2020 is related to:
Correct Answer is (a) Mission Rainbow:
The phrase “Mission Rainbow” in this question is simply the literal English translation of Mission Indradhanush. Launched by the Ministry of Health and Family Welfare on December 25, 2014, its ultimate objective was to ensure that all children under the age of two years, as well as pregnant women, are fully immunized against preventable diseases by the year 2020.
Just as a rainbow has seven colors, the mission was initially launched to provide vaccination against seven target vaccine-preventable diseases. While the scope has since expanded, this symbolic naming convention is a favorite trivia fact for State PSC examiners.
Mission Indradhanush was designed to catch the “left-outs” and “drop-outs”βchildren who either missed their vaccines entirely or only got a partial dosage under the Universal Immunization Programme (UIP).
| Phase / Aspect | Exam Fact to Remember |
|---|---|
| The Original 7 Diseases | Diphtheria, Whooping Cough (Pertussis), Tetanus, Polio, Tuberculosis (TB), Measles, and Hepatitis B. |
| Later Additions (Now 12) | Vaccines for Japanese Encephalitis (JE), Rotavirus, Haemophilus influenzae type B (Hib), Pneumococcus, and Rubella were added later (some are specific to certain high-risk districts). |
| Intensified Mission Indradhanush (IMI) | To accelerate coverage to 90%, the government launched “Intensified” versions. The latest iterations (IMI 5.0) focus heavily on eliminating Measles and Rubella. |
| Target Audience | Unvaccinated/partially vaccinated children under 2 years of age, and pregnant women. |
UPSC and State PSCs frequently use this naming overlap to confuse candidates. There are actually TWO government schemes called “Mission Indradhanush”:
- Health: The immunization drive for children and pregnant women (launched 2014).
- Economy: The 7-point comprehensive plan to revamp Public Sector Banks (PSBs) (launched 2015). If the question mentions banks, recapitalization, or NPA resolution, it is the economic mission!
UPSC CSE / State PSC (Similar PYQ): What is the purpose of ‘Mission Indradhanush’ launched by the Government of India?
(A) Immunization of children and pregnant women
(B) Construction of smart cities across the country
(C) India’s own earth observation satellite system
(D) New Educational Policy framework
Exam Connection: This is the classic, straightforward application of the concept. Always watch out for the banking trap option, though this specific PYQ didn’t use it.
According to the Global Nutrition Report 2017, how many females suffered from anaemia in India?
Correct Answer is (b) 51%:
This was a purely factual, current-affairs-based question drawn directly from the Global Nutrition Report 2017. At that time, the report highlighted a severe public health crisis in India, noting that over half (51%) of women of reproductive age were suffering from anaemia.
Do not memorize the 2017 figure. The anaemia situation has actually been a massive challenge for India. For your upcoming exam, you must rely on the latest National Family Health Survey (NFHS-5) data, which disappointingly showed that anaemia in women aged 15-49 actually worsened to around 57%. Examiners love testing NFHS data, so always check the newest summary sheet before your exam.
Anaemia is a condition where the number of red blood cells or the haemoglobin concentration within them is lower than normal, severely impacting oxygen transport. Here is what you need to know for the exam:
| Concept / Initiative | Exam Fact to Remember |
|---|---|
| Global Nutrition Report (GNR) | It is an independently produced annual report (not published by the UN or World Bank directly, but by a stakeholder group) that tracks global progress on nutrition targets. |
| Causes of Anaemia in India | Iron deficiency is the most common cause, but it is also caused by deficiencies in Folate, Vitamin B12, and Vitamin A, as well as parasitic infections (like malaria and hookworm). |
| Anaemia Mukt Bharat (AMB) | The flagship government strategy launched in 2018 to reduce anaemia prevalence by 3% per year. |
If you are writing a Mains answer or face a tough Prelims statement question, you must know that AMB is built on the 6x6x6 strategy:
- 6 Target Beneficiary Groups: (Children 6-59 months, Children 5-9 years, Adolescents 10-19 years, Women of reproductive age, Pregnant women, Lactating women).
- 6 Interventions: (Prophylactic Iron Folic Acid supplementation, Deworming, mandatory fortification, etc.).
- 6 Institutional Mechanisms: (Intra-ministerial coordination, National Centre of Excellence, etc.).
UPSC CSE / State PSC (Similar PYQ): Consider the following statements regarding the ‘Anaemia Mukt Bharat’ strategy:
1. It provides prophylactic calcium supplementation for preschool children.
2. It includes a campaign for delayed cord clamping at the time of child birth.
3. It provides for periodic deworming to children and adolescents.
Which of the statements given above are correct?
Exam Connection: Examiners will mix up the nutrients! AMB provides Iron and Folic Acid (IFA) supplementation, not calcium. Delayed cord clamping and deworming are indeed crucial interventions under the 6x6x6 strategy.
What is the estimated social sector expenditure in budget 2018-19?
Correct Answer is (c) Rs. 1.38 lakh crore:
This question directly lifted the total budget estimate for the “Social Sector” from the Union Budget 2018-19. Naturally, this specific figure of βΉ1.38 lakh crore is now a relic of the past and entirely irrelevant for your upcoming HPAS attempt.
State PSCs love throwing massive numbers at you to induce panic. Do not try to memorize the exact monetary allocation for every single ministry or minor scheme. It is impossible and inefficient. Instead, follow the “Macro-Trend Strategy” outlined below when reading the latest Union and State Budgets.
When the new budget is released (usually in February), create a 1-page cheat sheet focusing only on these four strategic areas:
| Strategic Area | What Examiners Actually Test |
|---|---|
| 1. Percentage of GDP (% Targets) | Examiners prefer percentages over absolute numbers. You must know the Fiscal Deficit target as a % of GDP. You should also know the expenditure on Health (usually around 2-2.5% of GDP) and Education (usually around 2.8-3% of GDP). |
| 2. Top 3 Allocations | Know which ministries get the biggest slice of the pie. Typically, the Ministry of Defence gets the highest allocation, followed by Road Transport/Highways, and Railways. |
| 3. Flagship Scheme Budgets | Memorize the absolute numbers only for massive, politically significant schemes. For example, you should know the exact thousands of crores allocated to MGNREGA, PM-KISAN, and Jal Jeevan Mission. Ignore the budgets of minor sub-schemes. |
| 4. Capital vs. Revenue Expenditure | Understand the trend. Is the government increasing “Capex” (building roads, hospitals) or just increasing Revenue Expenditure (salaries, pensions, subsidies)? Currently, the government heavily highlights its massive increases in Capital Expenditure to drive growth. |
If an exam asks about “Social Sector Expenditure” (like in this PYQ), it is referring to the combined spending on human capital. This includes:
- Education, Sports, Art, and Culture
- Medical and Public Health
- Family Welfare & Water Supply/Sanitation
- Housing & Urban Development
- Welfare of SCs, STs, and OBCs
- Labor & Employment
UPSC CSE / State PSC (Similar PYQ): Consider the following statements regarding the trends in the Union Budget over the last five years:
1. The Capital Expenditure as a percentage of GDP has steadily increased.
2. The Revenue Deficit has steadily decreased.
Which of the statements given above is/are correct?
Exam Connection: This is a classic example of why learning the trend is more important than the exact numbers. State PSCs frequently use the word “steadily” to trick students. If there was even one year where the metric dipped (like during the COVID-19 pandemic shock), the word “steadily” makes the statement false.
How many poor families will be provided with how much medical insurance per family in 2018-19 under the Ayushmaan Bharat Yojana?
Correct Answer is (c) 10 crore and Rs 5 lakh:
When the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) was announced in the 2018-19 budget, its initial target was to provide βΉ5 Lakh per year in health insurance to the bottom 10 crore vulnerable families (roughly 50 crore individuals, or the bottom 40% of India’s population) based on the SECC 2011 database.
In September 2024, the Union Cabinet fundamentally changed the nature of PM-JAY. All senior citizens aged 70 years and above are now universally eligible for the βΉ5 Lakh cover, regardless of their income or socio-economic status. They are issued a distinct Ayushman Vay Vandana Card. Furthermore, ASHA workers, Anganwadi workers, and helpers have also been brought under the scheme’s umbrella. This is guaranteed to be tested in upcoming exams!
Ayushman Bharat is not just an insurance scheme; it is a comprehensive, two-pronged approach to overhaul India’s healthcare system.
| Pillar | Core Function & Features |
|---|---|
| 1. Ayushman Arogya Mandirs (formerly HWCs) | Primary Care & OPD: The government is upgrading 1.5 lakh Sub-Centres and Primary Health Centres to provide comprehensive primary healthcare, free essential drugs, diagnostics, and maternal/child services. (This handles the everyday illnesses). |
| 2. PM-JAY (Jan Arogya Yojana) | Secondary & Tertiary Hospitalization: The insurance component. It provides cashless and paperless access to services at empanelled public and private hospitals for serious illnesses and surgeries. |
- No Caps: There is absolutely no cap on family size, age, or gender. (Unlike older insurance schemes that capped families at 5 members).
- Pre-existing Diseases: All pre-existing conditions are covered from Day 1. There is no waiting period.
- Portability: The scheme is nationally portable. A beneficiary from Himachal Pradesh can avail cashless treatment at an empanelled hospital in Mumbai or Delhi.
- Funding: It is a Centrally Sponsored Scheme (CSS). The funding ratio is generally 60:40 for normal states and 90:10 for Himalayan/North-Eastern states (like Himachal Pradesh).
State PSCs love asking what the βΉ5 Lakh PM-JAY cover excludes. Memorize these absolute exclusions:
- OPD (Out-Patient Department) expenses: PM-JAY is strictly for hospitalization. You cannot use the card just to consult a doctor for a cold.
- Cosmetic surgeries and fertility treatments.
- Organ transplants.
UPSC CSE / State PSC (Similar PYQ): With reference to the Ayushman Bharat PM-JAY scheme, consider the following statements:
1. It provides a health insurance cover of βΉ5 lakh per family per year.
2. There is a cap of five members per family to ensure optimal fund utilization.
3. Pre-existing diseases are covered only after a waiting period of one year.
Which of the statements given above is/are correct?
Exam Connection: This tests exactly what makes PM-JAY unique. By removing family size caps and waiting periods for pre-existing diseases, the scheme eliminated the two biggest loopholes private insurance companies traditionally used to deny coverage to the poor.
How many hours per year are the people expected to contribute for cleanliness under the Swachh Bharat Abhiyaan?
Correct Answer is (d) 100:
When Prime Minister Narendra Modi launched the Swachh Bharat Abhiyaan (SBA) on October 2, 2014, he administered a “Swachhata Pledge” to the nation. As part of this pledge, every citizen is expected to voluntarily dedicate 100 hours per year (which translates to roughly 2 hours per week) towards ‘Shramdaan’ (voluntary labor) for cleanliness.
The original mission had a very specific, historically significant deadline: to achieve an “Open Defecation Free” (ODF) India by October 2, 2019, marking the 150th birth anniversary of Mahatma Gandhi.
One of the most common ways examiners trap students is by mixing up the implementing ministries. Swachh Bharat is actually implemented as two distinct sub-missions by two completely different ministries.
| Feature | SBM – Gramin (Rural) | SBM – Urban |
|---|---|---|
| Nodal Ministry | Ministry of Jal Shakti (Department of Drinking Water and Sanitation) | Ministry of Housing and Urban Affairs (MoHUA) |
| Original Focus (Phase 1) | Building Individual Household Latrines (IHHL) to stop open defecation in villages. | Building Community/Public Toilets and achieving 100% door-to-door waste collection. |
Because Phase 1 achieved the basic ODF status, the government launched Swachh Bharat Mission 2.0. For your upcoming exams, you must know the new terminology, as it has moved beyond just building toilets to comprehensive waste management.
- ODF+ (Plus): A city/village is ODF+ if not a single person is found defecating or urinating in the open, AND all community and public toilets are functional and well-maintained.
- ODF++ (Double Plus): This is the advanced level. It means achieving ODF+ status AND ensuring that all fecal sludge/septage and sewage is safely managed and treated, with no untreated sludge discharged into water bodies.
- Garbage Free Cities (GFC) Star Rating: A new protocol under SBM-Urban 2.0 to ensure legacy dumpsites are cleared and solid waste is scientifically processed.
If you see the term “Water+” in an exam, know that it is the highest echelon of the SBM framework. A city is declared Water+ only when all wastewater released from households and commercial establishments is treated to a satisfactory level before releasing it into the environment. (Indore famously became India’s first Water+ city).
UPSC CSE / State PSC (Similar PYQ): Under the Swachh Bharat Mission, the focus of ODF++ (Open Defecation Free Double Plus) protocol is primarily on:
(A) Construction of individual household latrines
(B) 100% door-to-door collection of solid waste
(C) Safe containment, processing, and disposal of fecal sludge and septage
(D) Eradicating manual scavenging completely
Exam Connection: This proves that examiners have shifted their focus from the basic 2014 goals (building toilets) to the modern SBM 2.0 goals (sludge and sewage treatment). Stay updated on the “Plus” and “Double Plus” protocols!