UPSC CDS-2

11. Which one of the following statements about Non-Banking Financial Comp

Which one of the following statements about Non-Banking Financial Companies (NBFCs) is not correct ?

NBFCs cannot accept demand deposits.
NBFCs cannot give loans.
NBFCs cannot issue cheques drawn on themselves.
NBFCs cannot offer deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation.
This question was previously asked in
UPSC CDS-2 – 2022
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Non-Banking Financial Companies (NBFCs) are institutions that provide financial services, but do not have a banking license. Their primary activities include providing loans and advances, investing in shares, stocks, bonds, debentures, securities, and other marketable securities. Therefore, the statement “NBFCs cannot give loans” is incorrect. Lending is one of the principal business activities of NBFCs.
NBFCs are financial institutions whose main functions include lending and investment.
Unlike banks, NBFCs cannot accept demand deposits, cannot issue cheques drawn on themselves, and deposits with NBFCs are not covered by the Deposit Insurance and Credit Guarantee Corporation (DICGC). They are registered under the Companies Act, 2013, and regulated by the Reserve Bank of India (RBI).

12. Which one of the following statements about a borrower from a Microfin

Which one of the following statements about a borrower from a Microfinance Company is not correct ?

The borrower should not have annual income beyond a limit.
The borrower should not seek loan amount beyond a limit.
The borrower should not refuse to offer a collateral.
The borrower should not refuse to pay any rate of interest offered.
This question was previously asked in
UPSC CDS-2 – 2022
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Microfinance aims to provide financial services to low-income individuals or groups who typically lack access to traditional banking and collateral. A key characteristic of microfinance lending is that it does not require borrowers to provide physical collateral. Loans are often granted based on group guarantee and social collateral. Therefore, the statement “The borrower should not refuse to offer a collateral” is incorrect because microfinance models are specifically designed to lend *without* requiring collateral from the borrower.
Microfinance typically serves low-income individuals and does not require traditional collateral from borrowers.
Microfinance operations are regulated in India, and there are guidelines regarding the annual income limit for borrowers, the maximum loan amount, and responsible lending practices, including terms like interest rates.

13. During 2020 – 21, when India was passing through the adverse effects o

During 2020 – 21, when India was passing through the adverse effects of COVID-19, which one of the following sectors witnessed positive growth ?

Mining and quarrying
Electricity, gas, water supply and other utility services
Financial, real estate and professional services
Public administration, defence and other services
This question was previously asked in
UPSC CDS-2 – 2022
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During the financial year 2020-21, India’s economy was severely impacted by the COVID-19 pandemic, leading to a significant contraction in GDP. However, some sectors managed to register positive growth. Based on provisional estimates by the National Statistical Office (NSO) for FY 2020-21, the ‘Electricity, gas, water supply and other utility services’ sector recorded a positive growth rate of 1.9%. Other sectors like ‘Public Administration, Defence and Other Services’ (+5.8%) and ‘Financial, Real Estate and Professional Services’ (+1.5%) also showed positive growth. However, among the given options, ‘Electricity, gas, water supply and other utility services’ is consistently highlighted as a resilient sector with positive growth during this period in various reports. While multiple options showed positive growth, option B represents a sector known for its essential nature and relative stability even during economic downturns.
The Indian economy contracted in FY 2020-21 due to COVID-19. Essential service sectors like utilities and government services often show resilience.
Other major sectors like Mining and quarrying, Manufacturing, Construction, and Trade, hotels, transport, communication & services related to broadcasting witnessed significant contractions in FY 2020-21. The Agriculture sector also showed positive growth (3.6%), but it was not among the options.

14. Consider the following statements about an Indian State : 1. It is w

Consider the following statements about an Indian State :

  • 1. It is well known globally for its variety of rocks and minerals.
  • 2. It has the largest deposits of Chrysotile Asbestos in the country.
  • 3. The Neelam Sanjiva Reddy Sagar Hydel Project is located in this State.

Identify the State from the following :

Jharkhand
Rajasthan
Andhra Pradesh
Chhattisgarh
This question was previously asked in
UPSC CDS-2 – 2022
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Andhra Pradesh is well-known for its mineral resources, including significant deposits of limestone, barytes, mica, and has the largest known deposits of Chrysotile Asbestos in the country, primarily in the Kadapa district (Pulivendla region). The Neelam Sanjiva Reddy Sagar Hydel Project, also known as Srisailam Dam, is located on the Krishna River and is a joint project between Andhra Pradesh and Telangana, situated on their border, but historically associated with undivided Andhra Pradesh.
Specific mineral deposits and prominent infrastructure projects can help pinpoint the correct state.
Jharkhand and Chhattisgarh are famous for coal and iron ore. Rajasthan is known for a wide variety of minerals, including copper, zinc, lead, and building stones, but not specifically the largest Chrysotile Asbestos deposits.

15. Consider the following statements about Karewas : 1. These are the l

Consider the following statements about Karewas :

  • 1. These are the lacustrine deposits of Pleistocene period.
  • 2. These are found along the lower slopes of Pir Panjal.
  • 3. Karewas are well known for the cultivation of saffron, almond and walnut.

How many of the above statements is/are correct ?

1
2
3
None
This question was previously asked in
UPSC CDS-2 – 2022
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Statement 1 is correct: Karewas are indeed lacustrine deposits formed in the Kashmir Valley during the Pleistocene epoch. Statement 2 is correct: They are typically found along the lower slopes of the Pir Panjal range and the upper slopes of the main Himalayan range. Statement 3 is correct: Karewas are highly fertile and are particularly well-known for the cultivation of saffron, almond, apple, and walnut.
Karewas are unique geomorphological features of the Kashmir Valley with significant agricultural importance.
The thick layers of Karewa deposits represent the sediments accumulated at the bottom of a large ancient lake that once occupied the Kashmir Valley.

16. Which types of vegetation will you find on the way as you travel from

Which types of vegetation will you find on the way as you travel from Bikaner to Konark by road by shortest distance ?

Tropical thorny, Deciduous, Mangrove
Desert, Tropical deciduous, Mangrove
Moist deciduous, Mangrove, Desert
Desert, Tropical thorny, Moist deciduous
This question was previously asked in
UPSC CDS-2 – 2022
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Bikaner is located in the Thar Desert region of Rajasthan, characterized by Desert vegetation (xerophytic shrubs, grasses). Traveling east towards Konark (Odisha) involves crossing vast areas of central India, which primarily fall under the Tropical Deciduous forest belt (mostly dry deciduous in the western and central parts of the route). Konark is on the coast, and while the immediate area might be Moist Deciduous/Tropical Dry Deciduous, coastal regions, especially deltaic ones (like nearby areas in Odisha), support Mangrove vegetation. Thus, the sequence Desert -> Tropical deciduous -> Mangrove broadly represents the transition of vegetation zones.
Vegetation types in India change significantly with variations in rainfall and climate, following geographical regions.
The shortest route would likely traverse Rajasthan, Madhya Pradesh, Chhattisgarh, and Odisha, covering diverse landscapes and climatic zones.

17. Which one of the following is a tributary of Barak River in Manipur ?

Which one of the following is a tributary of Barak River in Manipur ?

Dhaleswari
Subansiri
Dhansiri
Manas
This question was previously asked in
UPSC CDS-2 – 2022
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The Barak River originates in the Manipur hills. Among the options provided, Dhaleswari (also known as Tlawng) is a major tributary of the Barak River, flowing through Mizoram and southern Assam before joining the Barak (which becomes the Meghna in Bangladesh).
Identifying tributaries requires knowledge of the river systems in India’s geography.
Subansiri, Dhansiri, and Manas are major tributaries of the Brahmaputra River, not the Barak River.

18. Which one of the following is the first and the oldest Government-owne

Which one of the following is the first and the oldest Government-owned coal mining company in India ?

Neyveli Lignite Corporation
Singareni Collieries Company Limited
Coal India Limited
Mahanadi Coalfields Limited
This question was previously asked in
UPSC CDS-2 – 2022
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Singareni Collieries Company Limited (SCCL) is the oldest government-owned coal mining company in India. It was incorporated in 1889 (originally as Hyderabad (Deccan) Company Limited) and nationalized in stages.
SCCL operates coal mines in Telangana and has a long history of coal production.
Coal India Limited (CIL) is the largest coal producing company in the world but was formed much later in 1975 after the nationalization of coal mines. Neyveli Lignite Corporation (now NLC India Limited) mines lignite. Mahanadi Coalfields Limited (MCL) is a subsidiary of CIL.

19. Which of the following States/Union Territory/Region are in special fo

Which of the following States/Union Territory/Region are in special focus in the National Mission on Edible Oils – Oil Palm ?

Himachal Pradesh and Andaman and Nicobar Islands
North-East Region and Andaman and Nicobar Islands
North-East Region and Gujarat
Uttar Pradesh and Gujarat
This question was previously asked in
UPSC CDS-2 – 2021
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The National Mission on Edible Oils – Oil Palm (NMEO-OP) focuses on promoting oil palm cultivation, with a special emphasis on the North-Eastern region and the Andaman & Nicobar Islands due to their conducive agro-climatic conditions and potential for expansion.
The mission aims to reduce India’s heavy reliance on imported edible oils by boosting domestic production.
The mission was launched with the objective of increasing oil palm acreage and yield, providing price assurance to farmers, and promoting processing infrastructure.

20. The Russian Federation participated in the Tokyo Olympics, 2020 under

The Russian Federation participated in the Tokyo Olympics, 2020 under which of the following names ?

Russian Olympic Committee
Russian Federal Committee
Russian Sports Committee
Russian Republican Committee
This question was previously asked in
UPSC CDS-2 – 2021
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Due to sanctions imposed by the World Anti-Doping Agency (WADA) following a doping scandal, Russian athletes were not allowed to compete under the Russian flag and anthem at the Tokyo 2020 Olympics (held in 2021). They participated under the banner of the Russian Olympic Committee (ROC).
This measure was part of the consequences for state-sponsored doping found in Russia.
The ROC team’s medals were not added to Russia’s official tally, and alternative flags and music were used during medal ceremonies.
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