[Correct] SFBs in India are banks designed to provide basic banking services and credit to underserved groups, such as small business owners, micro and small industries, farmers, and the unorganized sector.
[Incorrect] These banks are regulated by the RBI. Examples include Capital Small Finance Bank, Ujjivan, and Utkarsh.
[Correct] SFBs must comply with all RBI prudential norms, including CRR and SLR requirements, similar to commercial banks.
[Incorrect] Additionally, to transition into a universal bank, an SFB must demonstrate a satisfactory performance record for at least 5 years, as per RBI guidelines.
2. In context with Golden Langurs, which of the following statements is/are correct?
Golden langurs are found all over Central and South Asian regions.
Golden langurs are primarily arboreal and live in troops of 3 to 15 individuals.
The golden langur is an endangered species, protected under CITES Appendix I.
Select the correct option from the codes given below:
[A] 1 and 2 [B] 2 and 3 only [C] 3 only [D] 1 2 and 3
Golden langurs are found exclusively in Assam, India, and neighboring Bhutan. They inhabit a restricted area bordered by the foothills of Bhutan (north), the Manas River (east), the Sankosh River (west), and the Brahmaputra River (south).
Golden langurs are primarily arboreal. They spend most of their time in trees and live in small groups, typically consisting of one male and several females, which helps them navigate their forest habitat effectively.
The IUCN Red List classifies them as Endangered due to habitat fragmentation and human activities, and they are protected under CITES Appendix I, which prohibits international trade in the species.
3. Consider the following:
Paraparticles
Fermions
Anyons
Which of the above is/are classified as non-traditional particles in quantum mechanics?
Paraparticles are theorized to have unique exclusion rules differing from fermions and bosons, potentially revolutionizing quantum mechanics.
Fermions obey the Pauli exclusion principle, meaning no two identical fermions can occupy the same quantum state simultaneously.
Anyons exhibit behaviors that depend on their path in a two-dimensional space, retaining a memory of positional swaps, crucial for quantum information.
While both fermions and anyons are established in quantum physics, paraparticles represent a new category with unexplored properties and applications.
4. Consider the following statements about De-notified Tribes (DNTs):
They were denotified after the Criminal Tribes Act was repealed.
The Idate Commission recommended classifying all De-notified Tribes in India under ST category.
All De-notified Tribes in India are classified under the SCs/STs category.
De-notified Tribes (DNTs) were removed from the “criminal tribes” list after the Criminal Tribes Act was repealed.
The Idate Commission recommended a sub-quota for them under the SC/ST/OBC categories.
However, not all DNTs are classified as Scheduled Tribes (ST); some fall under the SC, OBC, or no category.
DNTs were once classified as “criminal tribes” under the Criminal Tribes Act, 1871, during British rule and were denotified after the Act’s repeal in 1952. DNTs include 1,526 communities, with 269 yet to be classified under SC, ST, or OBC categories.
5. In the context of cybersecurity concepts, consider the following statements:
Phishing is a technique used to obtain sensitive information by masquerading as a trustworthy entity.
Ransomware is a type of malware that encrypts files and demands payment for decryption.
Two-factor authentication enhances security by requiring two forms of verification before granting access.
Phishing is a technique used to obtain sensitive information by masquerading as a trustworthy entity: This is correct. Phishing often uses emails or websites that appear legitimate to trick users.
Ransomware is a type of malware that encrypts files and demands payment for decryption: This is correct. Ransomware can incapacitate systems until a ransom is paid.
Two-factor authentication enhances security by requiring two forms of verification before granting access: This is correct. It reduces the risk of unauthorized access.
Thus, all of the statements are correct. The correct answer is (c) All three.
The above questions are part of Daily UPSC 20 Current Affairs MCQs Series in GKToday Android Application. This series can be subscribed in the app only for user friendly test with detailed answers and explanations. Download Now
The above questions are part of Daily UPSC 20 Current Affairs MCQs Series in GKToday Android Application. This series can be subscribed in the app only for user friendly test with detailed answers and explanations. Download Now
