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General Knowledge for Competitive Exams
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Mobile Banking

Mobile banking can be defined as a system that facilitates customers of a financial institution to carry out a number of financial transactions through their mobiles or tablets.

Indian Banking Industry: Challenges and Opportunities

The banking sector in India has made quick strides in restructuring & aligning itself to the new gung ho business environment.

Foreign Capital

Foreign capital can be acquired either in the form of concessional support or non - concessional flows or foreign investment.

Export Promotion Policies: An Overall View

Important export promotion measures undertaken by the Government of India during the pre- reform period were Cash Compensatory Support, Duty Drawback System, Replenishment Licenses, etc.


As is evident from the name of the Act, the prominence under FEMA is on 'exchange management' while under FERA the impetus was on ‘exchange control’ or 'exchange regulation'.

Indian Banking System

The 1st bank in India was the General Bank of India. It was established in 1786. The East India Company established Bank of Bombay (1840), Bank of Madras (1843) and The Bank of Bengal/Calcutta (1809).

Monetary Policy

Monetary policy is the policy by which monetary authority of the country, usually a central bank regulates the supply of money in the economy by its control over interest rates so as to uphold price stability and attain high economic growth.

Fiscal Policy

Fiscal policy deals with the taxation and expenditure decisions of the government. It is composed of various parts. These comprise expenditure policy, tax policy, disinvestment or investment strategies and surplus or debt management.


Microfinance is the prerequisite of financial services to low - income clients or solidarity lending groups together with consumers & self - employed, who conventionally lack access to banking & associated services.

Financial Market

A Financial Market can be defined as a market in which the creation and transfer of financial assets are done.


Poverty is referred to as general scarcity or dearth, or the state of one who is short of a definite amount of material possessions or money.

New Economic Policy 1991

1991 is the year that holds a significant landmark in the economic history of post - Independent India. India went through a rigorous economic catastrophe prompted by a grave balance of payments state.

Employment Scenario in India

The sectoral allocation of personnel in India during the period 1983 to 2004 - 05 discloses that the structural alterations in terms of employment have been dawdling in India.

Service Sector in India

Today, the Service Sector in India accounts for more than half of India's Gross Domestic Product. As per the data, the share of services contributes to 55.1% of the Gross Domestic Product, where as agriculture and industry shares 18.5% and 26.4% respectively.

Policy Measures for the Development of the Services Sector

In post 1991 period, there were numerous measures taken on by the government to build up services sector, particularly through deregulation of some sub sectors of services sector.

Growth in the number of Agricultural Labourers

As per the Census of 1991, the number of agricultural workers was 73.7 million which 26.5 % is the total labour force. This shows that every 4th person of the labour force is an agricultural worker in our country.

Agricultural labourer

Intricacies in defining agricultural labour are compounded by the verity that many marginal as well as small farmers also work to a certain extent on the farms of others to add - on their income

Mid – Day Meal Scheme

Mid – day meal scheme is the national programme of nutritional support to primary education. It was launched in the year 1995.

Integrated Child Development Services

ICDS stands for Integrated Child Development Services. ICDS was launched in the year 1975. It is a centrally sponsored scheme executed by the Human Resource Development Ministry.

Cooperative Marketing

Cooperative marketing is any agreement to coalesce marketing efforts, & therefore it can emerge in many forms. Complementary companies, and direct competitors, can generate efficient & equally advantageous supportive marketing campaigns.


NABARD stands for National Bank for Agriculture and Rural Development. NABARD is a leading development bank in India. Its headquarters are based in Mumbai (Maharashtra).

Problems of RRBs

RRB stands for Regional Rural Banks. Regional Rural Banks are local level banking organizations functioning in different Indian states. They have been formed with a vision to serve principally the rural areas of India with fundamental banking & financial services.


Livestock sub-sector, with its yearly outputs valued at nearly Rs. 170,000 crore - about 27% of agricultural Gross Domestic Product & engaging over 90 million people, is an extremely tactical & fundamental sub - sector for agrarian economy of India.

Operations of Commercial Banks

A commercial bank is a bank that offers services such as making business loans, offering basic investment products & accepting deposits.

Agricultural Finance

Agricultural finance is termed as a division of rural finance devoted to financing agricultural related activities such as production, input supply, wholesale, distribution, processing & marketing.

Green Revolution

Wheat has stayed the bastion of Green Revolution over the years. High - Yielding Varieties Programme was constrained to only 5 crops.


Pesticide is a substance or a mixture of substances, intended for averting, controlling or destroying any pest counting vectors of animal or human diseases, superfluous species of flora and fauna.

High - Yielding Varieties of Seeds

As per new agricultural plan, special importance has been positioned on the improvement and extensive adoption of high - yielding varieties of seeds.

Problems related to Irrigation

Irrigation helps in the budding of agricultural crops, re-vegetation of disturbed soils in parched areas as well as in upholding of landscapes.


Irrigation is the mock application of water to soil or land. It helps in the budding of agricultural crops, re-vegetation of disturbed soils in parched areas as well as in upholding of landscapes.

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