UPSC Exam
RBI Surplus and Its Transfer to the Government
The Reserve Bank of India (RBI) earns income from its monetary policy operations, investments and management of foreign exchange reserves. After meeting its expenses…
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Articles from September 2026
Notes, editorials and exam explainers written by the Riyasat IAS mentor team — syllabus-mapped reading for UPSC Civil Services aspirants.
369 articles · page 25
UPSC Exam
Twin Balance Sheet Problem
The Twin Balance Sheet (TBS) problem refers to a situation where highly indebted companies struggle to repay their loans while banks face rising NPAs.…
UPSC Exam
Shadow banking
Shadow banking refers to financial activities—especially lending and credit intermediation—that take place outside the traditional banking system. It is also known as non-bank financial…
UPSC Exam
Bancassurance
Bancassurance refers to a partnership between a bank and an insurance company in which the bank acts as a distribution channel for the insurer’s…
UPSC Exam
Banks Board Bureau (BBB)
The Banks Board Bureau (BBB) was an autonomous body created by the Government of India to improve the governance, leadership and overall functioning of…
UPSC Exam
Pradhan Mantri Jan Dhan Yojana (PMJDY)
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India’s flagship financial inclusion programme, aimed at bringing people who are outside the formal banking system into…
UPSC Exam
Types of ATMs in India
ATMs in India can be broadly divided into three types based on who owns the machine and who is responsible for its operations: Bank-Owned…
UPSC Exam
UPSC mentorship 2027 study plan
A UPSC mentorship 2027 study plan is not a fixed schedule written once and followed unchanged for 14 months. It is a monthly-adjusted preparation…
UPSC Exam
UPSC mentorship program fees 2027
‘How much does UPSC mentorship cost?’ is one of the most commonly searched questions from aspirants evaluating mentorship options — and one of the…
UPSC Exam
How to know if UPSC preparation is going in wrong direction
One of the most difficult judgements in UPSC preparation is distinguishing between ‘this is hard and feels wrong’ and ‘this is actually going in…
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