Investment Banking ।।

Investment banking is a special segment of banking operation that helps individuals or organisations raise capital and provide financial consultancy services to them.They act as intermediaries between security issuers and investors and help new firms to go public. They either buy all the available shares at a price estimated by their experts and resell them to public or sell shares on behalf of the issuer and take commission on each share.Description:...

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EMI or equated monthly installment ।।

EMI or equated monthly installment, as the name suggests, is one part of the equally divided monthly outgoes to clear off an outstanding loan within a stipulated time frame.Description: The EMI is dependent on multiple factors, such as:1) Principal borrowed2) Rate of interest3) Tenure of the loan4) Monthly/annual resting periodFor a fixed interest rate loan, the EMI remains fixed for the entire tenure of the loan, provided there is no default or...

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Loro Accounts ।।

When a bank remits its foreign currency fund to a foreign bank for credit to an account of a third bank it is called a Loro account. It means Their money.Loro accounts are generally held by a 3rd party bank, other than the account maintaining bank or with whom account is maintained.For example, BOI wants to transact with HSBC, but doesn’t have any account, while SBI maintains an account with HSBC in U.K. Then BOI could use SBI account. (again may...

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Banking Awareness Notes on Moral Suasion ।।

Moral suasion refers to an appeal to morality to change or influence behaviour. Moral suasion under economics is defined as the attempt to coerce private economic activity through government exhortation in ways not already defined or dictated by existing statute law.The Reserve Bank of India (RBI) uses moral suasion as a qualitative instrument of monetary policy, unlike statutory liquidity ratio or cash reserve ratio.Moral Suasion is a request by...

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Gilt Accounts ।।

A “Gilt Account” means an account opened and maintained for holding Government securities, by an entity or a person including ‘a person resident outside India’ with a “Custodian” permitted by the Reserve Bank of India to open and maintain Constituent Subsidiary General Ledger Account with the Public Debt Office of the Reserve Bank of India. However, in case of a ‘Person resident outside India, the activities in the operations/maintenance of Gilt...

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SVAMITVA Scheme - An Integrated Property Validation Solution for Rural India

Hon'ble PM Narendra Modi launched the SVAMITVA Scheme (Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas) on National Panchayat Day 24th April 2020 with the aim of survey of inhabited areas of villages using technology to provide an integrated solution for property validation in rural India.The scheme's intent is to provide the 'record of rights' to village household owners so that they can use their houses as financial...

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What is a Bad Bank? Know its significance, role and benefits ।।

👉🏻What is a Bad Bank? Banks drive the nation’s economy, however many times the borrowers find it difficult to service their loans. It requires the lenders to set aside the capital to cover the losses. This is when the bad bank comes into the picture to help them free up to start lending. A bad bank is an Asset Reconstruction Company in other words.👉🏻Key Points: Bad Bank➖The bad bank does not involve itself in lending and taking deposits,...

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केंद्रीय मंत्रिमंडल ने 'राष्ट्रीय चिकित्सा उपकरण नीति 2023' को मंजूरी दी ।।

प्रधान मंत्री नरेंद्र मोदी की अध्यक्षता में केंद्रीय मंत्रिमंडल की बैठक ने राष्ट्रीय चिकित्सा उपकरण नीति, 2023 को मंजूरी दे दी है।इस नीति से अगले पांच वर्षों में चिकित्सा उपकरण क्षेत्र को मौजूदा 11 अरब डॉलर से बढ़ाकर 50 अरब डॉलर करने में मदद मिलने की उम्मीद है।इस नीति से चिकित्सा उपकरण उद्योग को एक प्रतिस्पर्धी, आत्मनिर्भर, लचीला और अभिनव...

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भारत, ब्रिटेन ने सैलिसबरी मैदान में संयुक्त सैन्य अभ्यास 'अजेय वारियर' शुरू किया ।।

भारत और यूनाइटेड किंगडम के बीच संयुक्त सैन्य अभ्यास 'अजेय वॉरियर 2023' का सातवां संस्करण 27 अप्रैल को ब्रिटेन के सैलिसबरी मैदान में शुरू हुआ। द्विवार्षिक प्रशिक्षण कार्यक्रम 11 मई तक आयोजित किया जाएगा।अभ्यास यूके और भारत में वैकल्पिक रूप से आयोजित किए जाते हैं और पिछला संस्करण अक्टूबर 2021 में उत्तराखंड के चौबटिया में आयोजित किया गया था।ब्रिटेन...

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जापान के स्वास्थ्य मंत्रालय ने देश की पहली गर्भपात की गोली को मंजूरी दी है ।।

प्रजनन अधिकारों को बढ़ावा देने के लिए जापान के स्वास्थ्य मंत्रालय ने देश की पहली गर्भपात की गोली को मंज़ूरी दे दी है। जबकि गर्भपात की गोलियाँ दुनिया भर के कई देशों में व्यापक रूप से उपलब्ध हैं, दवा को जापान के स्वास्थ्य मंत्रालय द्वारा अनुमोदित नहीं किया गया था। ब्रिटिश फार्मास्युटिकल लाइनफार्मा द्वारा निर्मित मेफीगो पैक गर्भपात...

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सुपरबिट (SuperBIT) क्या है?

SuperBIT एक अत्याधुनिक वैज्ञानिक उपकरण है जिसे आकाशगंगा समूहों के सटीक कमजोर गुरुत्वाकर्षण लेंसिंग (weak gravitational lensing) को मापने के लिए डिज़ाइन किया गया है। डरहम विश्वविद्यालय, टोरंटो विश्वविद्यालय, प्रिंसटन विश्वविद्यालय और नासा की संयुक्त परियोजना के रूप में, SuperBIT का उद्देश्य आकाशगंगा समूहों में डार्क मैटर (dark matter) की...

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राष्ट्रीय क्वांटम मिशन (NQM)

केंद्रीय मंत्रिमंडल ने 19 अप्रैल 2023 को रुपये की लागत से राष्ट्रीय क्वांटम मिशन (NQM) को मंजूरी दी। 2023-24 से 2030-31 तक 6003.65 करोड़।केंद्र ने क्वांटम प्रौद्योगिकी के नेतृत्व वाले आर्थिक विकास में तेजी लाने और भारत को इस क्षेत्र में एक अग्रणी राष्ट्र बनाने के लिए राष्ट्रीय क्वांटम मिशन को मंजूरी दी है। इस संबंध में निर्णय 19 अप्रैल...

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MAARG Portal

● MAARG portal is the National Mentorship Platform by Startup India. ● It is a one-stop platform to facilitate mentorship for startups across diverse sectors, functions, stages, geographies, and backgrounds.● Launched by Ministry of Commerce The MAARG Portal is being operationalised in three phases:● Phase I: Mentor on boarding,...

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CORD BLOOD BANKING

● Cord blood (short for umbilical cord blood) is the blood that remains in the umbilical cord and placenta post-delivery.● It contains special cells called hematopoietic stem cells that can be used to treat some types of diseases.● Cord blood banking is the process of collecting the cord blood and extracting and cryogenically freezing its stem cells and other cells of the immune system for potential future medical use.● They can treat cancer, blood...

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WORLD ECONOMIC OUTLOOK (WEO)

●Released by: International Monetary Fund (IMF)●IMF releases the WEO twice every year, in April and October (apart from updating it twice — in January and July)● Key findings : - World economy to grow 2.9% in 2023-Recession risks have subsided, and central banks are making progress in controlling inflation- Growth in India is set to decline from 6.8 percent in 2022 to 6.1 percent in 2023.-Yet ,India will stay the world’s fastest growing major...

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Animal Welfare Board of India(AWBI)

-It is a statutory advisory body under Prevention of Cruelty to Animals (PCA) Act,1960.-Nodal Ministry: Ministry of Fisheries, Animal Husbandry and Dairying.-Aim:To prevent the infliction of unnecessary pain or suffering on animals.-Composition:The Board comprises 28 Members including 6 MPs (4 from Lok Sabhas and 2 from Rajya Sabha)-Rukmini Devi Arundale pioneered the setting up of the Board.-Headquarters: Ballabhgarh,Hary...

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All India Tiger Estimation - 2022

● Report on 9th April at an event in Mysuru to mark 50 years of the country's Project Tiger campaign as well as launch of International Big Cat Alliance.● India is now home to 3,167 tigers, 200 more than it had four years ago (2967 in 2018, 2,226 in 2014), according to estimates from the latest tiger census.● India is estimated to have more than 70% of the world's tigers.According to the 2022 report,● Highest increase in tiger population has been...

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Lunar Polar Exploration (LUPEX) Mission

● LUPEX is a robotic lunar mission by ISRO and Japan Aerospace Exploration Agency (JAXA).● The mission aims to send lunar rover and lander to explore the South Pole region of the Moon in 2024.● Objective :- It will demonstrate new surface exploration technologies related to vehicular transport and test lunar night survival capabilities for sustainable lunar exploration in the region.● Contribution :- JAXA is likely to provide the H3 launch vehicle...

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CASH MANAGEMENT BILLS

The cash management bill (CMB) is the most flexible instrument for a Central Bank because it can be issued when needed, allowing the Central Bank to have lower cash balances and issue fewer long-term notes. CMBs tend to pay higher yields than bills with fixed maturities, but their shorter maturities lead to lower overall interest expense.The Government of India, in consultation with the RBI, had decided to issue a new short-term instrument, known...

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Public Credit Registry (PCR)

The PCR will be an extensive database of credit information for India that is accessible to all stakeholders. The idea is to capture all relevant information in one large database on the borrower and, in particular, the borrower’s entire set of borrowing contracts and outcomes.The proposed PCR will also include data from entities like market regulator Sebi, the corporate affairs ministry, Goods and Service Tax Network (GSTN) and the Insolvency and...

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Hotspot Volcanism

Hotspot volcanism is a type of volcanism that occurs at the interior of the lithospheric plates rather than plate margins.Well known hotspots include-1) Hawaiian Hotspot2) Yellowstone Hotspot3) Reunion HotspotHotspot volcanism occurs due to abnormally hot centres in the mantle known as "mantle plumes".Most of the mantle plumes lie far from tectonic plate boundaries (e.g. Hawaiian Hotspot), but there are some exceptions which are located near plate...

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Asia's Longest Zozila Tunnel Project

• The work on the strategic 14.5 km long Zojila tunnel, an all-weather connection between the Kashmir valley and the Ladakh region - is going on at a rapid pace and over 40 per cent of the drilling has been completed,• It will pass under the Zojila Pass in the Himalayas between Ganderbal in Kashmir and Drass town in Kargil district of Ladakh.•...

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Clean Plant Program

✅With the demand for foreign planting materials of fruits like apples, avocados and blueberries rising over the years, the Central government plans to set up 10 ‘Clean Plant Centres’ ✅Objective: To boost domestic production of the selected fruit crops✅Services offered: disease diagnostic, therapeutics, multiplying of plants and generation of mother plants✅Need for ‘Clean plant program’: Currently, it is difficult to get disease-free...

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Genetic Diseases

There are 4 types of genetic diseases 1. Single Gene - Disorders caused by abnormality or mutation in the sequence of one gene.2. Multifactorial - Caused by a combination of environmental factors as well as mutations in multiple genes.3. Chromosomal - Abnormalities in chromosome structure such has missing or extra copies 4. Mitochondrial - Caused by a mutation in non-chromosomal DNA of mitochond...

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Dark Net, Deep Web and Surface Web

✅"Dark net" is commonly confused with "deep web." The deep web refers to unindexed sites which are unsearchable; in most cases, this is because those sites are protected by passwords.✅Part of the WWW (World Wide Web) which is not indexed by a search engine like Google is Deep Web and it about 500-600 times larger than the surface web.✅Surface Web -Also called the Visible Web, Indexed Web, Indexable Web or Lightnet -is that portion of the World Wide...

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Scope of application of nanotechnology in the development process of the country:

Agriculture: Nanotechnology can be used in agriculture and food production in the form of Nano sensors for monitoring crop growth and pest control by early identification of plant diseases. These Nano sensors can help enhance production and improve food safety. With inputs related to water use, fertiliser and pesticides delivered in nanoscale productivity and yield can be increased.Medical applications: Development of newer drug delivery...

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GMO V/S Transgenic Plants

-GMO (Genetically Modified Organisms) and transgenic plants are often used interchangeably, but they actually refer to slightly different things. 🔺GMO-GMOs refer to any organism whose genetic material has been altered using genetic engineering techniques. This can include plants, animals, and microorganisms.🔺Transgenic Plants-Transgenic plants, on the other hand, specifically refer to plants that have had genes from another species introduced...

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Global Methane Assessment: 2030 Baseline Report ।।

● Released by Climate and Clean Air Coalition (CCAC) and UNEP● Report examines baseline projections of methane emissions over the coming decade and implications for the Global Methane Pledge (GMP) target.● The report's key findings highlight that the amount of methane in the atmosphere is 260% of pre-industrial levels, with human-driven methane emissions responsible for nearly 45% of current net warming. ● The report also notes that 2021 saw...

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What's Alpha- Cex?

Alpha - Cex is the first exchange with a DAO mechanism as its underlying mechanism worldwide. We are committed to building an inclusive financial ecosystem with consensus, joint construction, and sharing of global retail investors.Users offer liquidity and trading depth for the platform, and the platform gives shares to users and shares the revenue with users. The platform and users are equal, 90% of equities are held by users, and 10% are by...

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National Payments Corporation of India

The Reserve Bank encouraged the setting up of National Payments Corporation of India (NPCI) to act as an umbrella organisation for operating various Retail Payment Systems (RPS) in India. NPCI became functional in early 2009. NPCI has taken over National Financial Switch (NFS) from Institute for Development and Research in Banking Technology (IDRBT). NPCI is expected to bring greater efficiency by way of uniformity and standardization in retail payments...

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𝗜𝗻𝗱𝘂𝘀 𝗥𝗶𝘃𝗲𝗿 𝗦𝘆𝘀𝘁𝗲𝗺 :

The Indus System is one of the largest river basins of the world. Its basin covers a massive area of more than a million square kms. - The Indus river basin stretches from the Himalayan mountains in the north to the dry alluvial plains of Sindh province in Pakistan in the south. - India is named after the River Indus. One of the...

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Narmada River

It is located mainly in Madhya Pradesh. Narmada is the largest west flowing river of the peninsular region flowing through a rift valley between the Vindhya Range on the north and the Satpura Range on the south.It rises from Maikala range near Amarkantak in Madhya Pradesh.It drains a large area in Madhya Pradesh besides some areas in the...

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Red Panda ।।

Pandas are shy, solitary & arboreal animals. The panda became a symbol of the conservation movement around the world — a call to action to preserve endangered species, and our natural wildlife environments for our wild animals. In 1961, the World Wide Fund for Nature was formed, and created their logo around the Panda, because...

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𝗬𝗮𝗺𝘂𝗻𝗮 𝗥𝗶𝘃𝗲𝗿 𝗦𝘆𝘀𝘁𝗲𝗺 :

It originates from the Yamunotri Glacier on the southwestern slopes or Banderpoonch peak in the Mussoorie range of the lower Himalayas.It is the second-largest tributary river of the Ganga by discharge after Ghaghra river and the longest tributary in India.It merges with the Ganga at Triveni Sangam, Allahabad, now Prayag Raj which is one...

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राष्ट्रीय पंजीकृत आहार विशेषज्ञ पोषण विशेषज्ञ दिवस ।।

❇️9 March🥗राष्ट्रीय पंजीकृत आहार विशेषज्ञ पोषण दिवस 2008 में पोषण और आहार विज्ञान अकादमी द्वारा बनाया गया था। अकादमी इन पेशेवरों के बारे में जागरूकता बढ़ाने के लिए दिन का चयन करती है जो पोषण और खाद्य सेवाओं में काम करते हैं और लोगों को खुशहाल और स्वस्थ जीवन जीने में मदद करने की उनकी प्रतिबद्धता है।🥗पेशेवर आहार विशेषज्ञ मधुमेह , मोटापा...

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Candida Auris ।।

Recently, it was observed that a deadly drug-resistant fungus is spreading across the US.● Candida Auris is a type of fungus that grows like yeast.● One of the few species of the Candida genus that causes candidiasis in humans.● It was first reported in Japan in 2009.● It is often multidrug-resistant, meaning that it is resistant to multiple...

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Probiotics

 - Are live microorganisms (bacteria and yeasts) that are intended to have health benefits when consumed or applied to the body. - They can be found in yogurt and other fermented foods, dietary supplements, and beauty products.Prebiotics -are specialised plant fibers. They act like fertilizers that stimulate the growth of healthy bacteria in the gut.- Prebiotics are found in many fruits and vegetables, especially those that contain...

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Catalytic Converter

-A catalytic converter is a device installed in the exhaust system of a vehicle to reduce the emission of harmful pollutants.-The most common pollutants that catalytic converters help reduce are carbon monoxide, nitrogen oxides, and hydrocarbons.-The catalytic converter works by using a catalyst, typically made of platinum, palladium, or rhodium, to convert harmful pollutants into less harmful substances, such as carbon dioxide, water, and nitrogen.-With...

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BABU JAGJIVAN RAM

• Jagjivan Ram b'day celebrating as Samta Diwas• Babu Jagjivan Ram popularly known as - Babuji• He was Deputy PM during period of - 1977-79• He was Defence Minister during the Indo-Pak war of 1971• He founded - All-India Depressed Classes Lea...

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Open and Transparent Monetary Policy Making ..

Under the amended RBI Act, the monetary policy making is as under:➖The MPC is required to meet at least four times in a year.➖The quorum for the meeting of the MPC is four members.➖Each member of the MPC has one vote, and in the event of an equality of votes, the Governor has a second or casting vote.➖The resolution adopted by the MPC is published after conclusion of every meeting of the MPC in accordance with the provisions of Chapter III F of the...

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Dormant / Inactive Bank Account ..

If you SB or current account hasn’t witnessed any transactions(credit/debit except interest credited the bank, deduction of service charges, for more than 1 year, the account is rendered inactive. On exceeding 2 years, the account is declared dormant/inoperative.Any customer induced transaction is enough for this purpose. Like credit or debit transactions done by the account holder in this account, keeps it active. Some of them have been listed below...

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Corporate Debt Market Development Fund

● Recently, the Securities and Exchange Board of India (SEBI) has introduced the ‘Corporate Debt Market Development Fund’ to prevent financial crisis.About : ● The ‘Corporate Debt Market Development Fund (CDMDF) is a backstop facility for specified debt funds during market dislocations.● The fund is intended to provide liquidity support...

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ECOSTRESS

●Context : NASA's ECOSTRESS helping in understanding the pattern and reasons behind wildfires●Stands for ECOsystem and Spaceborne Thermal Radiometer Experiment on Space Station●Thermal instrument on the International Space Station » measures temperature of plants, and uses that to understand plant stress●Its primary mission is to identify :: - critical thresholds of water use and water stress in plants and factors leading to plant water uptake...

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Economic Survey 2022-23 states that Indian start-up companies are looking at 'reverse flipping'.

What is Reverse-flipping● Flipping is the process of transferring entire ownership of an Indian company to an overseas entity.● It is generally accompanied by a transfer of all intellectual property and data owned by an Indian company.● Reverse Flipping is the process of shifting the domicile of those companies back to India who flipped earlier.● Companies reverse flip because of easy access to capital from private equity and venture capital, changes...

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टाटा 𝐖𝐏𝐋 :- 𝟐𝟎𝟐𝟑(सीजन -𝟏)

विजेता :- मुंबई इंडियंस(कप्तान - हरमनप्रीत कौर)उपविजेता :- दिल्ली कैपिटल्स(कप्तान - मेग लैनिंग)प्लेयर ऑफ़ टूर्नामेंट- हेली मैथ्यूज, मुंबई इंडियंस (𝟓 लाख रुपए)प्लेयर ऑफ द मैच- नैट सिवर-ब्रंट, मुंबई इंडियंस (𝟐.𝟓 लाख रुपये)ऑरेंज कैप (सबसे ज्यादा रन) - मेग लैनिंग, दिल्ली कैपिटल्स (𝟓 लाख रुपये)पर्पल कैप कैप (सबसे ज्यादा विकेट)- हेली मैथ्यूज,...

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(CVC)

#CentralVigilanceCommission is the main agency for preventing corruption in the Central government. - It was established in 1964 by an executive resolution of the Central government. - Thus, originally the CVC was neither a constitutional body nor a statutory body. - Later, in 2003, the Parliament enacted a law conferring...

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भारत टीबी के मामलों के आकलन के लिए अपनी प्रणाली विकसित करने वाला पहला देश बन गया है।।

भारत देश में तपेदिक (टीबी) के मामलों की व्यापकता का अनुमान लगाने के लिए देश-स्तरीय गणितीय मॉडल विकसित करने वाला पहला देश बन गया है।इस मॉडल का उपयोग करते हुए, भारत के लिए टीबी घटना और मृत्यु दर अनुमान डेटा हर साल मार्च तक उपलब्ध होगा। विशेष रूप से, डेटा अक्टूबर में वार्षिक विश्व स्वास्थ्य संगठन (WHO) के अनुमान जारी होने से महीनों पहले...

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𝗜𝗻𝗱𝘂𝘀 𝗥𝗶𝘃𝗲𝗿 𝗦𝘆𝘀𝘁𝗲𝗺 :

The Indus System is one of the largest river basins of the world. Its basin covers a massive area of more than a million square kms. - The Indus river basin stretches from the Himalayan mountains in the north to the dry alluvial plains of Sindh province in Pakistan in the south. - India is named after the River Indus. One of the...

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