Lukmaan IAS

ECONOMY Challenges and Opportunities Skill Development Gap:  Despite initiatives like Skill India, there’s a shortage of digitally skilled workers, crucial for sectors like cybersecurity and enterprise management. Logistics and Infrastructure:  India’s potential to streamline transport via inland waterways is significant, akin to the Netherlands’ network handling 40% of international freight. Access to Finance:  Small and medium enterprises face financial access challenges; initiatives like Mudra Yojana aim to improve credit flow and streamline loan processes. Regulatory Reforms:  GST simplification, Start-up India, and the Real Estate Act are enhancing the business environment, with a push for single-window systems and digitization. Data Privacy and Cybersecurity:  Growing digitization necessitates robust data protection laws and cybersecurity measures, with the government promoting secure tech adoption. Inland Waterways Opportunity:  Kerala’s Kochi Water ...

ECONOMY WHERE DOES THE RBI’S SURPLUS COME FROM? THE CONTEXT:  When the Reserve Bank of India (RBI) prints money or earns interest on the foreign securities it holds, it makes a profit. After keeping aside a safety-cushion called the Contingent Risk Buffer (CRB) to face future crises, the leftover amount is handed to the Union Government. The latest hand-over is a record ₹ 2.69 lakh crore for 2024-25, comfortably beating the Budget estimate of ₹ 2.56 lakh crore. Year Surplus transferred (₹ lakh crore) CRB as % of balance-sheet Policy backdrop 2021-22 1.00 5.5 COVID-19 aftermath 2022-23 0.87 6.0 Rate-hike cycle begins 2023-24 2.11 6.5 (upper end of old band) Exchange-rate defence 2024-25 2.69 7.5 (upper end of new band) ECF review + record FX sales NOTE:  The  Bimal Jalan Committee (2019)  had earlier fixed the CRB band at  5.5–6.5 %  of the balance-sheet. The five-yearly review concluded in May-2025 has  widened the band to 4.5–7.5 % , giving the Board ...

  ECONOMY Challenges and Opportunities in Infrastructure Sector Land Acquisition and Clearances : Delays in land acquisition and clearances affect infrastructure sectors. Issues with onboarding digital land records. Greenfield airport projects face time-intensive processes due to site selection and approvals. Skill Demands : Limited technical knowledge in aviation sectors like MRO operations and manufacturing. Specialized skills needed for project development and management. Effective public-private partnerships are essential for skill development. Private Sector Participation : High capital investment and long payback periods deter private involvement. Project structuring issues, delays in clearances, lack of independent regulators, and contractual issues impact participation. Climate and Environmental Sustainability : Aviation sector faces compliance challenges with CORSIA from 2027. No ICAO-approved emissions unit programs in India. Cost of sustainable aviation fuel is significa...

  ECONOMY Introduction India’s services sector can be broadly classified into two categories: contact-intensive and non-contact-intensive services. Contact-intensive services : trade, hospitality, transport, real estate, social, community and personal services. Non-contact-intensive services:   financial, information technology, professional, communication, broadcasting, storage services, public administration and defence services. Continue..

ECONOMY Sector-wise Performance 1. Insurance Sector The insurance sector in India comprises life insurance, general insurance, and health insurance, playing a critical role in providing financial security and stability. It is a significant component of the financial services industry, contributing to economic growth and social well-being. Current Status Market Size:  The insurance market in India is substantial, with total premiums growing at a compound annual growth rate (CAGR) of 14.9%, expected to reach INR 33 trillion by 2031. Life Insurance:  India is the 9th largest life insurance market globally, with penetration at 3.2% of GDP. Non-Life Insurance:  This segment, including health insurance, has a penetration of 1.0% of GDP. Growth Drivers:  The sector’s growth is driven by increasing middle-class incomes, rising awareness, digital penetration, and regulatory reforms such as the increase in FDI limit to 74%. continue..

 🚀 Unlock Success with 70 Hours of Chak-de-India! 💪 Join PT-25 Marathon Classes by S. Ansari & Team, starting 18th March 2025. Transform your preparation in just one week and turn the tide from failure to success! 🌟 📞 Call Now: 85060 99919 for Counselling 👉 Learn More: https://lukmaanias.com/pt-24-marathon-classes/ ⬇️ Stay Connected: 📺 YouTube: https://link.lukmaanias.com/r/Utube 📲 Telegram: https://link.lukmaanias.com/r/teleg 📱 WhatsApp: https://link.lukmaanias.com/r/wapp #MarathonClasses #UPSC2025 #LukmaanIAS #SuccessJourney

 Do you want to ace GS Paper-II for Mains 2025-26?  Join the new Batch under S. Ansari and ensure your success.  Enroll now as Batch starts from 16th January 2025 (Today). Click -   ⬇️Join us: YouTube👉🏻 https://link.lukmaanias.com/r/Utube Telegram👉🏻 https://link.lukmaanias.com/r/teleg WhatsApp👉🏻 https://link.lukmaanias.com/r/wapp ..

 With CSE Mains 2024 results out, now is the time  to chisel your personality for the interview round.  Register now for our Interview Guidance Program to put your best foot forward in the CSE Personality Test.  CLICK: ⬇️Join us: YouTube👉🏻 https://link.lukmaanias.com/r/Utube Telegram👉🏻 https://link.lukmaanias.com/r/teleg WhatsApp👉🏻 https://link.lukmaanias.com/r/wapp Write to us on whatsapp 👉🏻 https://link.lukmaanias.com/r/LIASWhatsapp ..

Worrying about how to cover current affairs for IAS exam? Join Lukmaan Bulletin to cut the clutter and master current affairs. Admissions are open now! Our ex-students can get upto 30% concession. CLICK: ⬇️Join us: YouTube👉🏻 https://link.lukmaanias.com/r/Utube Telegram👉🏻 https://link.lukmaanias.com/r/teleg WhatsApp👉🏻 https://link.lukmaanias.com/r/wapp Write to us on whatsapp 👉🏻 https://link.lukmaanias.com/r/LIASWhatsapp ..

Aiming to ace Mains 2026? Join our Year-Long Test Series for range of Optional subjects — Public Administration, Geography and PSIR. Register now as Test Series begins from 18th January 2025. Click ⬇️Join us: YouTube👉🏻 https://link.lukmaanias.com/r/Utube Telegram👉🏻 https://link.lukmaanias.com/r/teleg WhatsApp👉🏻 https://link.lukmaanias.com/r/wapp Write to us on whatsapp 👉🏻 https://link.lukmaanias.com/r/LIASWhatsapp ..

 Want a strong base for IAS exam?  Join our NCERT classes for CSE 2026 and cover them in one module.  Admissions are open now. Hurry up! CLICK: 

Do you want to ace GS Paper-II for Mains 2025-26?  Join the new Batch under S. Ansari and ensure your success.  Enroll now as Batch starts from 16th January 2025. Click -  ⬇️Join us: YouTube Telegram WhatsApp ..

Get ready for the 4th AIPMT (All India PT Mock Test) to enhance your chances of qualifying UPSC Prelims exam. It is open for all the students appearing in the UPSC CSE 2024.  Remember, practice is the only way to attain perfection. 👉🏻Total Tests: 06 👉🏻Admission Open - Enroll Now 👉🏻TEST MODE: ONLINE/OFFLINE CLICK: bit.ly/3PmdXIA to Enroll in All India PT Mock Test Series ⬇️Join us: YouTube👉🏻 bit.ly/3OQMIEx Telegram👉🏻 t.me/lukmanias WhatsApp👉🏻 bit.ly/3NMvrwz ..

Don't let lack of finance prevent you from realising your dreams. The '400 Dreams Scholarship 'Test would allow meritorious students to get GS Foundation course absolutely free* Click - bit.ly/35cUAwK to Register for The 400 Dreams Test ▶️Demo Videos: bit.ly/45thSbJ ▶️The Topper's Perspective: bit.ly/45Uy9Hp ⬇️Download Toppers' Copies: bit.ly/3MtSACq ⬇️Join us: YouTube👉🏻 bit.ly/3OQMIEx Telegram👉🏻 t.me/lukmanias WhatsApp👉🏻 bit.ly/3NMvrwz ..

We Wish You All A Happy New Year.  May you be blessed with Patience, Perfection, and Perseverance to work towards your dreams. Join us:- YouTube👉🏻 bit.ly/3OQMIEx Telegram👉🏻 t.me/lukmanias WhatsApp👉🏻 bit.ly/3PL2Zwo ..

Admission is open for 'Editorial Discussion Classes'. The dates and the topics are listed. Remain debonair regarding the latest Current Affair. ✅ Admission Open - Enroll Now Click - bit.ly/3ELgsxX to Enroll in ED Classes ⬇️ Download Class Schedule: bit.ly/47utHAa ▶️ Watch Demo Videos: bit.ly/3Y81LOg ▶️ Watch Videos | A Seven-Step Strategy: bit.ly/472SlI3 ⬇️ Download PDF | A Seven-Step Strategy: bit.ly/3Oc11mC 📚 Reading Materials: bit.ly/44Fb2jp

Registration is open for all candidates who missed AIPMT 1 & 2. Don't miss this opportunity to assess your preparation level with AIPMT-3. The questions are set as per current UPSC trends and standards. 👉🏻 Total Tests: 0 6 👉🏻 Admission Open - Enroll Now 👉🏻 TEST MODE: ONLINE/OFFLINE CLICK: bit.ly/3PmdXIA to Enroll in All India PT Mock Test Series