1 Doubts - BatchPCB1 - 22-06 - 6PM - To - 30-06-20 - 10PM

Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB1) Discount Code: ‘Mrunal.
org”
[Doubts] Reply to educational questions received through google form last week
- Yes Mitron, Here are my replies to the educational queries received last week through google form, upto 30th June, 10AM.
- You can search the question term in the attached pdf file, and know my reply to your question.
- For technical queries (regarding downloading PDF, live-chatbox, college wifi access, video / audio issues etc.) plz contact the technical team by
emailing to help@unacademy.com
- My replies are dictated using Google docs voice typing, So forgive any grammar, spelling, and phrase mistakes in advance. E.g. it sometimes detects
‘Batches’ as ‘Matches’ and ‘mocktest’ as ‘locktest’ etc.
22 JUN 6PM ONWARDS
Current affairs PDFs are supplements but not
substitute for the Newspaper reading. Which is
required for building the clean vocabulary, grammar
and language proficiency for the essay paper
Also observe the topic wise previous year question
Sir I am a job professional . So I get not much time papers automatically you will get the idea what type of
on working days (5 days) for study .I hardly study information is more important and what is useless.
for 5-6 hours on working days . My doubt is that sir Then accordingly read or glance over the matter given
should I read newspaper or watch current affairs in CA-PDF.
22/06/2020 videos on unacademy like lectures of Aman Sir... ?
18:28:35 Gaurav Negi 1 8 Please Suggest. Lecture number#1 → slide number 59 to 71 all these
Page 1 of 193
Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB1) Discount Code: ‘Mrunal.org”
issues are addressed in detailed manner.
https://unacademy.com/class/economy-introduction-
faq-about-course-upsc-prep/JDQMR3FR
Sir i am preparing for 2021......as u said in 1st
class the those who are preparing for 2021 should
cover current affairs from 2019 Cutoff is never 200 out of 200
To mera que. Ye tha k 2019 se ab tk k sare videos You don't have to prepare each and everything
dekhna mushkil h aur magazines me sb kuch exhaustively
22/06/2020 cover nai rehte.....to mai kya karu jisse k koi b point How to upload the current affairs has been explained in
18:35:19 Sanjana Pandey 1 8 miss na ho.......help me sir the lecture 1 itself
Dear sir, I am a working professional who doesn't
have more than 5 hours of study time in a day. I
have never previously prepared for UPSC. Also,
I'm planning to take mathematics as optional
subject. Is it a realistic target for me try and clear Yes mathematics is a good optional There are many
the UPSC exam in 1 year (I have a maximum of 2 toppers in the top hundred list with this optional
22/06/2020 attempts remaining)? subject. One year preparation time is also more than
18:43:29 ZeerakMehdi 1 8 My background- I'm currently working as a sufficient for clearing the exam.
Page 2 of 193
software engineer. I have a degree in Computer
Science from IIT Kharagpur.
- Always good to hear students from the
previous batch. I hope You are in good health
and your preparation is on track.
- - Ideal approach for old batch students =
(original handout from your batch+ wincsp20
series ke Handout & powerpoints for updating
it, available at
https://mrunal.org/download#Win20CSP ).
- - No need to take separate printout of this new
handout going in the present batch. Yes it
contain some new current affairs for example
Iran’s toman currency but in future I will cover
that in your Win20CSP handout as well. So,
need not worry.
- - I will finish the win20CSP series before
Sir while introducing any topic which was not prelim-2020. And will start win21CSP series
covered in the old handout can you please tell that after next years’ budget. So you follow them
it is a new topic so i can write in my handout as i accordingly. I hope that you will clear the exam
22/06/2020 am attending your course second time it will be a in 2020 cycle itself incl. January’s Mains, but
18:50:25 Aviral Gupta 1 1 great help Thank You still you will have to prepare next year’s budget
Page 3 of 193
for interview-stage, isliye do keepup with
win21CSP as well!
Sir I started preparation from may and currently Lecture number#1 → slide number 59 to 71 all these
focusing on core subject and everydays current issues of current affairs preparation are addressed in
affairs . I am confused that how to do current detailed manner.
affairs from 2019 ,not getting sufficient time right
now . And I also planing mains writing practice and https://unacademy.com/class/economy-introduction-
optional ,etc . As you know a lots of syllabus is to faq-about-course-upsc-prep/JDQMR3FR
22/06/2020 be covered . Kindly guide me how to do Old CA
19:25:29 adityaagrahari000999 1 8 and mange my studies.
Sir I started preparation from may and currently
focusing on core subject and everydays current
affairs . I am confused that how to do current
affairs from 2019 ,not getting sufficient time right
now . And I also planing mains writing practice and
optional ,etc . As you know a lots of syllabus is to
22/06/2020 be covered . Kindly guide me how to do Old CA
19:25:10 adityaagrahari000999 1 8 and mange my studies. Replied in previous cell
Page 4 of 193
Dear Sir,
This is WRT your handout of course ended on May
14, 2020. On pg 240 of the same, WTI index crude
price has not been mentioned, although it was
recently in the news for its prices going in the
negative (due to the falling demand resulting from
the pandemic).
Has this been updated in your subsequent batch
handouts/WinCSP handouts, or is it not important
from exam POV? Kindly clarify.
22/06/2020
19:37:27 Prakhar Verma 1 3 Thank you We’ll see that when i enter win20csp-> pillar3.
Sufficiently Explained in the respective lecture under
pillar#1A itself.
please goto the course page, watch the re-recordings:
22/06/2020 What is the difference between demonetization https://unacademy.com/course/mrunals-economy-full-
19:47:22 santoshroy370 1 7 and redenomination? course-for-upsc-prelims-mains-2021-507/QTOO36CS
22/06/2020 Sandeep kumar Sir phonepe,etc uses IMPS system but they don't Usually the startup company model is that initially they
19:56:48 aryan 1 1 charge anything for that while if I use IMPS of a provide service for free ,but then charge money for it.
Page 5 of 193
Bank I have to pay a fee for that ,why so It is not within our scope of exam to make a business
difference? GK list off who is charging how much. We just need to
prepare things in a General overview type
understanding
Sir what should be the proportional size of
introduction, body and conclusion in 150 and 250
marks question?
In last class I attempted the mains question which
was my first mains answer writing but I could - It is a satisfactory attempt
manage to write just 185 words in 12 minutes - For a 250 words answer introduction could be
although my points was almost matching with 3-5 lines, conclusion 3-5 lines.
your's explanation but the conclusion was not up to - Per 150 words answer introduction conclusion
the mark. Considering my first ever mains answer are usually not expected but still if you wish to
22/06/2020 practice, should I acknowledge it as satisfactory or write then 2-3 lines for introduction and 2-3
20:04:22 Muhammad Sarmad 1 8 hopeless? lines for conclusion
Good evening sir,
What are the most important chapters of INDIA
YEAR BOOK 2020 for UPSC CSE
preparation?Please provide me the names of those
22/06/2020 chapters.
20:17:42 ASHUTOSH PATEL 1 8 Thank you sir Given on the page one of the hand out itself
Page 6 of 193
22/06/2020 Core banking solution is a software developed for the
20:35:01 yogesh 1 1 Sir plz explain CBS again banks to do their banking in online manner
sir "NATIONAL FINANCIAL SWITCH " IS
RESPONSIBLE FOR ATM TRANSACTON , THEN
N.F.S. ALSO RESPONSIBLE FOR ONLINE
TRANSACTION IN SHOPPING VIA DEBIT CARD
OR IT IS DONE BY PAYMENT GATEWAY LIKE
VISA , RUPAY ? AND IF WE WITHDRAW CASH - All these companies/products are in involved
FROM ATM THROUGH CREDIT CARD THEN depending on what technology you are using
22/06/2020 WHO WORKS HERE - N.F.S. OR PAYMENT - Visa Card → insert in ATM machine →
20:39:43 @Abhibgs 1 1 GATEWAY ?? Visa+NFS+bank’s CBS. and so forth.
- Because of the primary and secondary
functions of the money it gets new abilities to
help in the economic growth of a country,
through loans, taxation etc. this facet will
become more clear to you when we learn
about GDP taxation and welfare scheme over
the period of lectures.
- Before that, the question what is the contingent
22/06/2020 Sir will please explain again what is contingent function of money is Sufficiently Explained in
20:43:11 Sanchitaa26-5570 1 1 function of money the respective lecture under Pillar#1A itself.
Page 7 of 193
- please goto the course page, watch the re-
recordings:
- https://unacademy.com/course/mrunals-
economy-full-course-for-upsc-prelims-mains-
2021-507/QTOO36CS
Hai sir.. I hope ur doing well.. Recently i saw ur
youtube video regarding mains ki pipudi one where
mains ans writing shuld be started from day 1.. I
accidentally read the comment pinned by u sir.
Where u said the number of dislikes for this video
clearly shows the coaching mafia... I totally agree
with u sir. When some one who is darely speaking
truth then many will try to mock him, dislike him,
comment him in a - ve way and when we spend
10hrs to perform a task a 2nd person wil take the
credit by acting in 1hr and it creates a lot of work While I would love to answer this but this question is
pressure, stress, deep dissatisfaction abt work outside the reasonable limits of what constitutes an
culture. This attitude tend to develop after 10yrs of “Educational doubt for economy batch.” This question
job we try to learn the skills to skip work rather than is more like PM’s chai-pe-charchaa and PM’s Mann-ki-
actual doing our job perfectlu. I wanted to know baat and very big personality’s TED Talk. I do not
22/06/2020 how to handle this stress, - ve attitude, hatred n consider myself such a big personality that I should
21:12:42 Babbi 2 9 competition.. What drives you to work more when engage in that level of talk.
Page 8 of 193
ur colleagues aree not working? Ur answer will be
helpful in my ethics paper and helps in developing
a correct attitude towrads my profession.. If
possible kindly share the details of ur mrunal
donation.. What kind activities u do? bcoz i know u
from 7 yrs whatever u do i would be flagbearer for
studemts like us.. Thank u sir for all your love n
warmth..
Hello sir,
Central bank digital currency (CBDC)is the kind of
loan for infrastructure,polices etc. If there is no Infrastructure company giving salaries to workers who
22/06/2020 OMKAR SATISH money for give loans in the from of CBDC then are trying to buy things from market → If not enough
21:14:05 INGAVALE 1 1 inflation is possible or not? supply then inflation problem will come
covered in my "Comprehensive Strategy 2021" video
Sir I am Civil Engineering Background student during Unacademy Summit. Please watch it at
currently pursuing masters in engineering and following URL:
aiming to give my first CSE attempt in 2021, please https://unacademy.com/class/comprehensive-strategy-
22/06/2020 guide me regarding notes making and optional to-crack-upsc-cse/PL7KLWIX
21:30:03 Bhairavi Pawar 1 8 selection for the exam.
22/06/2020 1.I did not understand ,who does generate The anonymous user created the code/software online
23:13:43 Anit Singh 1 1 cryptocurrency and who does control the which generates cryptocurrency. It’s internal algorithm
Page 9 of 193
cryptocurrency like in India notes are printed by the of the software code in such manner that it’ll only
RBI in certain limit?? generate 21 million BTC
2. An anonymous user Satoshi Nakomoto
launched a cryptocurrency ‘Bitcoin’, total
21 million coins -Sir i do not make sense of this line
,sir plz elaborate in greater detail??How a
anonymous can generate a bitcoin ??
23RD JUN
Is PayTM an example of non-UPI type app?
23/06/2020 because everytime I do a transaction using it, it Originally non-UPI app but over a period of time they
00:00:44 Achintya 1 1 asks me to first deposit money in PayTM Wallet. are incorporating the elements /features of UPI
I do not see a direct connect,
While there may or may not be a bank which allows
persons to pay the money to UPI and ana issues
23/06/2020 Hello sir, demand draft for them but such banking gk not
01:46:59 Omkar satish Ingavale 1 1 What is the connect of demand draft with UPI? important for us
23/06/2020 My name is Rahul kumar ,Respected Sir My past my "Comprehensive Strategy 2021" video during
04:37:02 Rahul kumar 1 8 educational result is very poor , i scored 51% in Unacademy Summit. Please watch it at following URL:
Page 10 of 193
class 12 , i never seriously studied the ncert of https://unacademy.com/class/comprehensive-strategy-
social science. After that I have done B.sc. from to-crack-upsc-cse/PL7KLWIX
private college securing only 47% marks. After
that I started preparing for SSc cgl exam i that There is no need to make notes of things which are
also i failed to crack the exam taking 2years time. already presented in the form of notes, and can be
After then I introspect within, regardless of so memorized by just multiple times reading/revision. e.g.
many failures I took a major step towards UPSC Laxmikanth/Spectrum History/ShankarIAS/Mrunal
CSE exam. i bought every books needed for economy notes.
exam , I took subscription on 18 May 2020 , and
join the batch of 11may because i wanted to be in one should not spend more than 30 to 40 hours a
your guidance. At start i was so much focused . week watching lectures
but doing classes daily , i generally use to watch remaining time should be spent in actually reading the
a single 2hr lacture , 2times to prepare running books and study material minimum reading list list is
notes of polity , because of this my geography mentioned on the page 1 of your handout.
classes of 10 days are skipped and the
incomoleted video lectures burden is so much Please see slide number 20 and 21 of following
that it seems vary hard to complete that lectures, lecture And design your weekly allocation of lectures
this time i am distracted from preparation, versus reading accordingly
generally i am not giving that much what UPSC https://unacademy.com/class/economy-introduction-
want , faq-about-course-upsc-prep/JDQMR3FR
sir, please guide me how to tackle the problems
related to time management , mind setup , Additional preparation sources for the Mains
Page 11 of 193
emotional balances ,right and daily approach to examination is explained in following articles
crack the exam. https://mrunal.org/2020/05/download-upsc-mains-
general-studies-paper-1-topicwise-2013-19.html
https://mrunal.org/2020/06/download-upsc-mains-
general-studies-paper-2-topicwise.html
https://mrunal.org/2020/06/download-upsc-mains-
general-studies-paper-3-topicwise.html
Because then system can cross check whether
Sir as you said in the lecture, KYC is for verifying If Mrunal has a Paytm user account and Mrunal also
the identity of customer and RBI issued has a Mobikwik user account. How can system cross
guidelines for KYC to ensure interoperability. check that it is the same person, Before allowing him
23/06/2020 How KYC facility is useful to maintain to transfer money from one place to another? KYC
06:02:57 Vrinda 1 1 interoperability? norms like Aadhar card pan card driving licence etc.
In digital financial inclusion index 1. Example, If you are living in a village and
1.it is written no user is more than 5 kms away within 5 kilometres of your village there should
from the banking access point. What does that be some facility to access banking system-
mean? either in form of a direct branch or some local
23/06/2020 2. "Local vendor should be made Banking vendor acting as a agent of the bank
07:33:01 singhnirdesh1991 1 1 Correspondent". What does Local vendor 2. Kirana-shop owners, paan-parlour-walla etc.
Page 12 of 193
referred to here? May be utilised for this purpose To act in the
capacity as Bank Mitra / Business
correspondence agent
what is the use of bitcoins and why we are mad Because some People have gone crazy about it just
23/06/2020 VijayKumarPatel- for it ????/{i did'nt found this prbm in the like they do for tiktok and pubg. And Some people are
07:36:45 7401_9621 1 1 handout} using it for illegal things.
what is the use of bitcoins and why we are mad Because some People have gone crazy about it just
23/06/2020 VijayKumarPatel- for it ????/{i did'nt found this prbm in the like they do for tiktok and pubg. And Some people are
07:37:20 7401_9621 1 1 handout} using it for illegal things.
how going cashless in a cash strapped economy
23/06/2020 like India would be possible ? what are the Sufficiently covered in the central bank digital currency
11:15:26 daspriyanka806-4708 2 1 challenges associated with it? segment of lecture
series ke Handout & powerpoints for updating
it, available at
23/06/2020 i already have your last year handouts but https://mrunal.org/download#Win20CSP ).
11:54:56 Prakhar 1 1 haven't attend class.should i take printout again? - - No need to take separate printout of this new
Page 13 of 193
handout going in the present batch. Yes it
contain some new current affairs for example
Iran’s toman currency but in future I will cover
that in your Win20CSP handout as well. So,
need not worry.
prelim-2020. And will start win21CSP series
after next years’ budget. So you follow them
accordingly. I hope that you will clear the
exam in 2020 cycle itself incl. January’s
Mains, but still you will have to prepare next
year’s budget for interview-stage, isliye do
keepup with win21CSP as well!
Dear Sir - Always good to hear students from the
I have been watching your economy lectures and your preparation is on track.
from the prelims 2020 course ended on May 14, - - Ideal approach for old batch students =
2020. I have reached till Lesson 25, and have (original handout from your batch+ wincsp20
also taken the tests till there (In the order in which series ke Handout & powerpoints for updating
23/06/2020 they lie, once every 4 lectures). it, available at
11:55:40 Prakhar Verma 1 8 https://mrunal.org/download#Win20CSP ).
Page 14 of 193
Should I continue with the course ended on May - - No need to take separate printout of this new
14, 2020, as I have been watching the lectures in handout going in the present batch. Yes it
the given sequence since the last week of May? contain some new current affairs for example
Or is joining your new Prelims+Mains course Iran’s toman currency but in future I will cover
more advisable for me? Kindly advise on how to that in your Win20CSP handout as well. So,
proceed. need not worry.
Thank you! prelim-2020. And will start win21CSP series
What are the individual functions we have sufficiently
learnt in the lecture.
what is the difference between technology beyond that how they are different operationally e not
23/06/2020 service provider( google pay) and payment important for the scope of exam one word Association
12:37:32 Vapani John 1 1 service provider (NPCI, Paytm, amazon pay)? is sufficient
Page 15 of 193
Please Read the handout carefully and listen to the
lectures more attentively.
Read the two conditions that must be met
simultaneously before we can label a currency as
FIAT money.
Cryptocurrency could be a FIAT MONEY IF It was
issued by a king/queen/government or Central Bank
e.g.
Hello sir, you have told that cryptocurrency is fiat - Venezuela petro
money but bitcoin is not - Marshall Islands SOV
23/06/2020 Bitcoin is also a cryptocurrency Bitcoin is not issued by any such authority so it’s not a
13:17:17 sbalot54 1 1 It's written in handout fiat money.
We should not have allowed taxis, because horse
carriage riders will become unemployed.
Sir if the Fast-Tag system is made compulsory If there is a better and faster Technology we have to
23/06/2020 then,will it not create unemplyoment among the adopt it eventually, Even though it may cause
14:37:23 Sushanth B Patil 1 1 employees working in the NH tolls?? someone’s employment
Page 16 of 193
Sir u asked us to write answer on Charms and
Challenges of e-learning. Please tell me if the
following can also be the charms and Challenges:
(+) 1. Cost effective
2. Reduces burden of immigration in
big cities
3. Experienced teachers from all
over the country
(-) poor Telecom infra and power
issues in rural areas.
23/06/2020 Sir you can answer my ques in short, no prblm. I
15:06:21 Parul Jindal 1 1 know u don't have enough tym. Thank u Yes these are valid points for answer.
What to read for economy in addition of my
PowerPoint and handouts?
I have addressed this query sufficiently at the lecture
1’s slide 97 to 106 itself. Please re-watch the recorded
session at
23/06/2020 Sir i have doubt regarding which book to refer for faq-about-course-upsc-prep/JDQMR3FR
16:15:56 Iram 1 8 indian economy or ur handnotes are enough ..??
23/06/2020 akshitrana203@ 1 1 how to work mbfi What is your question?
Page 17 of 193
16:54:24 If you are asking how to prepare money Banking
Finance and insurance then we are learning the topic
please sit through the classes
If Venezuela issues digital currency then how it
23/06/2020 manages its international trade? Do it prints
17:21:22 meharrayees-7339 1 1 bolivers for that purpose? The other party could buy petro by depositing dollars
If Venezuela issues digital currency then how it
23/06/2020 manages its international trade? Do it prints
17:21:54 meharrayees-7339 1 1 bolivers for that purpose? The other party could buy petro by depositing dollars
There is not enough supply of commodities. People
If Iran and Venezuela were suffering from are rioting over food shortage. Their problem has
23/06/2020 hyperinflation why don't they decreased the become such magnanimous, the traditional solutions
17:29:57 meharrayees-7339 1 1 money supply in the economy? like CRR,SLR and money supply Are of of little use.
23/06/2020 Sir, BBPS is for individual purposes and NACH is
17:41:29 Tejas Geer 1 1 for large payments or for company bills,right? Yes you could say that
You have to fill some online/offline forms/tickboxes to
enable UPI system in your bank account. other wise u
can open the app but You are banks CBS online
23/06/2020 sir i understood UPI enabled app but i didn't system will not allow it to to send the money from your
18:05:42 tejas geer 1 1 understand UPI enabled bank account? account
Page 18 of 193
Hello sir, this is not a query, just wanted to say u
thanks as you are simply the best. I took my
subscirbtion in 2019 only for you. Today it would
be expired, and learning from you was an
23/06/2020 amazing experience. I am confident that i would Many thanks for your compliments I wish you all the
18:37:57 Vaishakh Singh 2 8 clear my CSE2020 and meet u. best for your career Endeavour
Sir if BHIM UPI app used the you said no MDR
fees need to be paid, This is explained in the slide itself that Government
But why did MEITY giving subsidy to acquirer drafted the press note text in such manner so we have
23/06/2020 bank ,if payment made via BHIM upi by QR scan used the text in such manner, lest some UPSC
19:21:38 pavanamidala-3967 1 1 and pay examiner directly lift the statement.
Gud evening sir
How is MDR fees shared among 3 parties, 1. This parties share the MDR money to run the system.
23/06/2020 Customer's card issuing bank, 2. Merchant's But, in what proportion they distribute MDR internally,
19:42:56 Parul Jindal 1 1 acquiring bank, 3. Payment gateway provider.? is not important for the scope of exam.
Sir, I chose optionals as per my conventional
1. Political science and International Relations
2. Public administration
3. Geography
23/06/2020 I saw all 3-4 years previous questions on these Yes considering this facets you should opt for political
19:55:41 @MOHITCHOTU7272 1 8 optional, studied syllabus and according to me science optional subjects
Page 19 of 193
political science and ir would be good as i think i
can answer it ,public administration paper was
not easy to answer and i think i could not answer
it very well ,Geography seems long and vast and
very lengthy and please guide what else can i do
so in future so that i would not get regret ? please
address my concern so please guide me suitable
lecture materials for the subjects ?
Hello Dear sir, There are sufficient number of candidates who have
Sir does college play an important role in the studied from very low profile colleges, even studied in
UPSC personality test... external Correspondence course of IGNOU and yet
I mean is it necessary to study in Top colleges to they have cleared the UPSC exam. So one need not
23/06/2020 get success in UPSC.. fear about it That only people from IIT and Iim will get
20:30:40 Prashant Vishnoi 1 8 plz guide me, sir selected
Sir m taking mechanical engineering as my - Suppose two hundred candidates appeared
optional becoz i have spent considerable amount with the law optional and 20 of them are
of time in this field and also analysed PYQs & felt getting selected. What will those 180
comfortable....but i also came across some quora candidates do after failed 3 attempts? Ans.
blogs suggesting that engineering optional dont badmouth law is a very pathetic optional
23/06/2020 fetch marks as compared to descriptive subject. But if you ask those twenty successful
20:52:29 GAURAV MALLICK 1 8 optionals....is it so? plz enlighten me. candidates they will disagree.
Page 20 of 193
- Is UPSC, a PDS rice distribution scheme that
everyone opting for a given optional subject
must get “success”? Not necessarily.
- So in conclusion if you are feeling comfortable
with the particular optional subject you should
go for it. people say bad things about public
administration also get their toppers in 100
ranks. Same goes for mech engineers.
My course material is designed specifically to target
Gud evening sir .sir the content u provide also the UPSC civil service exam’s economy portion. It
cover EPFO and CAPF AC exam ? Or u keep may or may not help in all parts of other exams
skipping those areas or facts which might not therefore advised the students to analyse the previous
23/06/2020 come in ias and may come in capf ac or epfo papers and accordingly do additional studies by
21:12:23 Priyadarshini verma 2 8 exam !?? Kindly guide . themselves
How to do polity with unacademy? I have taking What exactly is meant by current affairs in polity?
classes is from Sid sir but he is not covering - Basically the bills acts notable Court
current affairs and mains and writing. I want judgements. You will find them through
some guidance how to approach subjects and current affairs PDFs, And newspaper
topics of each subject for self study.. I am not columns.
23/06/2020 getting what type of question has asked in exam. - What about the theoretical contemporary
21:16:29 Vrinda 1 1 I am doing with job and started preparing few issues such as role of pressure groups and
Page 21 of 193
months back. civil society? Ans. sources are mentioned in
this topicwise article
https://mrunal.org/2020/06/download-upsc-
mains-general-studies-paper-2-topicwise.html
Yes
In India minimum denomination coin is 50p. Because in 2011, government has authorised that
23/06/2020 How? Is Coin below 50p is no longer legal coins below 50 paisa such as 10,25 paisa are no
21:23:51 WaqarMansoor-6609 1 1 tender? longer legal tenders in india.
sorry to put this question again because you did
not give reply in the earlier doubt pdf.
As I said last week that all the questions of to Monday
proportional size of introduction, body and 6 p.m. will be answered in the previous PDF file so it
conclusion in 150 and 250 marks question? has been done.
I could write just 185 words in 12 minute where your question came at 22/06/2020 20:04:22 which is
most of the points were matching with yours but after Monday 6pm so it is taken up for the week2s
conclusion was not good and incomplete. Since it FAQ-answer cycle. So if you search this present PDF
23/06/2020 was my first ever mains answer practice, was that file you will find the answer in the cell corresponding to
22:13:12 Muhammad Sarmad 1 8 fair or not? 22/06/2020 20:04:22
23/06/2020 Tanish (last batch's student) 1. Plassey to partition You only need to
22:16:58 Tanish Mishra 1 8 1) sir you said to read spectrum and from plassey understand that things no need to memorize
Page 22 of 193
to partition, my doubt is Do I need to memorise everything.
drom plassy to partition just like spectrum or Do I 2. Break even point means The income earned
need to understand it only? and also tell me that from sales which is just sufficient to cover your
do i need to cover ncert also for modern history? operational cost but does not give you profit,
2) On page 577 og handout, you have given yet.
break even point, please elaborate it, i didnt
understand.
Q1 Public Administration strategy
Optional subject courses are unlocked with your
subscription at
https://learn.unacademy.com/plus/goal/KSCGY/topics
Sir, i am aiming for UPSC 2021 . i have two query Further, Previous toppers’ Strategies may be available
: at
1) how to approach pub administration optional https://mrunal.org/toppers
(which materials to read) , i have completed
around 50 % of the polity (one time and few
topics out of that revisioned), does that creates Q2 governance reading list
the base for starting with my optional? Given in this article under the blockwise strategy
23/06/2020 2)How should i approach (which materials to https://mrunal.org/2020/06/download-upsc-mains-
23:15:05 shouvik baidya 1 4 read) for the governance part of GS2 general-studies-paper-2-topicwise.html
Page 23 of 193
Commerce is a good optional subject, If you are
comfortable with it you should take it. It is not

Sir , i have doubt regarding optional..i am from
compulsory that you must take coaching online or
commerce background. As there is no educator
offline for a optional subject. the primary requirement
for commerce optional on unacademy. I have
is that you must know what exactly is “what to read
interest in commerce as i was topper. Because of
and what to skip”.
no educator on unacademy of commerce ,i
choose pub ad as some one suggested me.

See Previous toppers’ Strategies may be available at
Currently i m taking classes of pub ad but feeling
https://mrunal.org/toppers
still in dilemma state . My financial condition is
not so good as i go for offline coaching of

Unacademy is continuously onboarding new
commerce , that is why i feeling worrisome.
educator's for the the optional subjects as well in
23/06/2020 Please suggest me something to get out of this
future there could be teachers in this commerce
23:17:51 Navpreet kaur 2 8 dilemma. subject as well.
Sir , i have doubt regarding optional..i am from
commerce background. As there is no educator
for commerce optional on unacademy. I have
interest in commerce as i was topper. Because of
no educator on unacademy of commerce ,i
choose pub ad as some one suggested me.
23/06/2020 Currently i m taking classes of pub ad but feeling
23:18:08 Navpreet kaur 2 8 still in dilemma state . My financial condition is Replied in previous cell
Page 24 of 193
not so good as i go for offline coaching of
commerce , that is why i feeling worrisome.
Please suggest me something to get out of this
dilemma.
24TH JUNE
Sir Maine course abhi join kia hai unacadeny + par
sir aapne 1 video me handout me btaya hai lekin
abhi tak 1 handout hi Mila hume EF1A1-HDT-
MONEY TO BITCOIN PCB1 sir uske alawa saare
24/06/2020 PowerPoint wale hai , kya har lecture ka handout Weekly Combined handout uploaded for multiple
08:37:29 Mridul Gupta 1 9 hoga ya combine hota hai lectures.
Respected Sir, your previous handouts contained

fill in the blanks which we had to fill. Just curious
why in the new handouts you have filled those Because of the Corona outbreak → some might
blanks. It used to be good exercise for us, while hesitate going out every week to get printouts. I do not
24/06/2020 listening lectures we used to be more attentive and want to catalyse the speed of corona among students,
09:08:35 Harshal Mankar 1 7 listened properly. by forcing them to go for printouts.
24/06/2020 Sir, I'm pursuing Engineering and MSc Chemistry (5 In that case Anthropology will be a more suitable
10:00:45 piyushfunde 1 8 yrs dual degree) and preparing for UPSC 2022. I'm optional for you
Page 25 of 193
unable to decide my optional. I've narrowed down
to two options Anthropology (just out of its concise
syllabus and comparatively fewer people opt for it)
and Chemistry (as I'm doing masters in Chemistry).
I'm good at topics in Chemistry paper 2, but I just
hate almost 50% of the topics in paper 1. Moreover,
my performance in chemistry subjects during my
degree was very poor. So what will you suggest me
to do? TIA
NEFT settles on 24/7 basis on 30-30 minutes interval.
24/06/2020 Is there any limit on number of per day settlements RTGS works ‘instantly’ So the traditional concept of
11:44:50 Drishti 1 1 in NEFT or RTGS settlement does not come
Good afternoon sir 1. That much depth unlikely to be asked in UPSC
I have 2 doubts: “how many Authentication factors does a
1).. What is the no. Of authentication in case of hybrid card have?
hybrid cards as there are 2 chips in one card (as it 2. It is Google's excuse. Apparently RBI has
will be 3 in no.[2chips+otp] or like other cards as given them leniency. otherwise such large
1chip and otp company With access to all the personal data
and financial information, should be forced to
24/06/2020 2). Like you taught that google pay doesnt require register with RBI whenever they develop a
11:55:58 Yoomi lee 1 1 rbi authorisation as it doesnt create waller or store money transfer app.
Page 26 of 193
money, it just transfer money from one bank
account to other.
Is it similar to upi as it also doesnt store money and
only transfer. So does upi require rbi authoristion?
Basically there are 6 subjects in GS:

- Geography, environment, economy, polity&IR,
history, science technology.
- Then there is current affairs which overlaps on
above 6 subjects. So it is not a separate
subject. All the good teachers of those 6
subjects will teach both the theory as well as
current affair embedded within their course
itself. So this anxiety and Mania among the
Sir I'm a new subscriber of unacademy plus
students ke “Separately mereko current affairs
platform. I get too much confused about which
krnaa hai”.... That should come at a later stage
course should I follow. There are lots of videos and first you finish the 6 core subjects.
classes so I can't decide my mind. Sir please help - Then there is mains exam where you also
by clearing how should I choose the course and the have Ethics, essay and optional subject
duration of complete my gs as well as optional - Booklist given on page1 of handout

- Covered in my “Comprehensive Strategy 2021”
paper. I've missed your previous classes also. From
video during Unacademy Summit. Please
tomorrow I'll start your course. So sir please help
watch it at following URL:
24/06/2020 me to figure out about the others courses by
- https://unacademy.com/class/comprehensive-
12:35:50 Sanchita Nandy 1 8 various teachers. strategy-to-crack-upsc-cse/PL7KLWIX
Page 27 of 193
- one should not spend more than 30 to 40

hours a week watching lectures
- remaining time should be spent in actually
reading the books and study material
(minimum reading list list is mentioned on the
page 1 of your handout)
-
- Please see slide number 20 and 21 of
following lecture And design your weekly
allocation of lectures versus reading
accordingly
- https://unacademy.com/class/economy-
introduction-faq-about-course-upsc-
prep/JDQMR3FR
-
Hello Sir Download the NCERT text books for both Sociology
I had given class 12 th exam (science stream) and and Psychology class 11 12 briefly study them to
ultimate aim to clear upsc so i am confused whether decide which subject you are more comfortable with
I should opt for correspondence or regular college and accordingly you may take admission in the
in BA and also regarding my optional subject particular BA course
24/06/2020 between physcology and sociology (have same
12:49:44 Shruti Gupta 1 8 interest after reading ncert and pyq paper) so i can Whether you should go for a college course or an
Page 28 of 193
take hons in that specific subject in my graduation. external student course it It depends on your personal
Please give me advice. choice. if you are getting admission in a reputed
college or university then better to go for a regular
course, Because it lends weight to your biodata should
you have to explore some other job in private sector.
- A known devil is better than an unknown
Angel. first priority should be given to your
English literature optional subject however if
you are uncomfortable with it then you can
Sir, I have completed my Masters in English explore following order:
Literature but I am not really sure of opting it as my - Sociology vs. Public Administration: they are
optional considering various factors. I have having similar overlap with the general studies
narrowed down my options to Public Administration, paper and so pick anyone depending on your
Anthropology and Sociology. Among them, which interest.
would be a better option and overlap the most with - Anthropology: Depending on your taste for
24/06/2020 the other GS subjects? Or should I start considering scientific things, take it. go through the
13:56:47 Swati 1 8 to take Literature as my optional? syllabus and previous papers
Yes you may take printout of this material. Therefore I
have given page number and index.
24/06/2020 Sir I have printer can I print the handouts now or u
21:34:31 User786 1 1 will provide another PDFs to print But it is not compulsory to take printout because of the
Page 29 of 193
coronavirus/
unnecessarily one should not go out of home
1. Q3: Please read the directive word again. you
1. In Q3. in test paper- museum is at delhi is are asked to find incorrect statements. Both 1
correct. but in handout pg-7 its mentioned in and 2 are incorrect.so C option.
kolkata. 2. Q8: “All the Mahatma Gandhi notes means
24/06/2020 2. In Q8. in test paper - why option c is incorrect. Rupees 10, 20, 50…. Sab kuchh. But those
21:43:43 Ashutosh Ranjan 2 1 Thank you sir notes are not demonetised.
Hello Sir,
Sir, in notes ; your line is ,"a museum on trade will
be built at historic 'old mint ' building in Kolkata "
while in today, s test in que-3 statement is given 'in 3. Q3: Please read the directive word again. you
24/06/2020 new Delhi' and in option it is correct and I lose mark are asked to find incorrect statements. Both 1
21:58:23 Shruti gupta 1 7 so please clarify it ; what is correct? and 2 are incorrect.so C option.
Good evening sir, 1. According to experts China is not using
blockchain Technology for issuing the digital
1. Is CBDC a cryptocurrency or just a digital format currency so that one is not a cryptocurrency.
of the existing fiat money?? but since it is a trial Stage So we need not
24/06/2020 2. Is the concept of CBDC is related with complete bother until they come up with the final
22:29:33 Curious Learner 1 1 replacement of fiat money in the economy ??. I outcome
Page 30 of 193
mean a question was asked in MCQ quiz, which i 2. C option does not say “completely replace
marked wrongly, where it was said that China will physical with digital immediately.” it simply
replace its currency with the CBDC.. This means says “replace physical with digital”...So yes
that will china remove the physical renminbi from that is the primary objective.
circulation completely in favour of CBDC???
Thank you
Sir, plz don't copy paste the questions from
previous batches in weekly QUIZ try to give new
24/06/2020 questions altogether .As repeated questions defeat
22:41:34 RAM 4 1 the entire purpose of taking up the quiz.
- Because It is issued by the the Marshall
Islands government
- The only unique feature being that it is a digital
currency instead of physical currency.
24/06/2020 Sir, how SOV is a legal tender as it is not a therefore, Economist have opined that such
23:34:39 manjeet sehrawat 4 1 paper/coin currency can also be called fiat money.
25 JUNE
25/06/2020 Sonamika sudan 1 8 Sir,will your classes and modules includes I have not seen do not read The Hindu
Page 31 of 193
00:15:09 all the sections of current affairs related to
economy? And we don't have to go through I have said no need to make notes out of it for economy
any module or economy section of the because the matter is covered in my handouts
hindu? Only the economic year book vol 1
and vol 2 need to be studied on our own. ? What to read for economy in addition of my PowerPoint
and handouts?
I have addressed this query sufficiently at the lecture 1’s
slide 97 to 106 itself. Please re-watch the recorded
session at
https://unacademy.com/class/economy-introduction-faq-
about-course-upsc-prep/JDQMR3FR
Sir, apart from your lectures what should be
followed for Economics for RBI Grade B ?
25/06/2020 Any suggestion about books to follow for Please see this https://mrunal.org/2017/04/strategy-rbi-
01:50:40 DEBRAJ SUR 1 8 Economics of RBI GRADE B Exam officer-booklist-cutoff-shivang-bhanvadia.html
is MDR subsidy not applicable on credit 1. MDR subsidy not given on credit card
card?(not given in handout) 2. It can be done for coins also. But the value of
25/06/2020 can demonetization not happen to coins/is it coins is not so large that people will store black
08:41:49 divyanshu tiwari 1 1 limited to currency notes? money in it, unlike the 500 and 1000 rupee notes.
Page 32 of 193
First of all, thank you for putting in the efforts Many thanks for your compliments.
for making the slides. They are very 1. Yes that is a rational strategy
interactive and helpful. Your 1st class 2. After you complete the syllabus in next 4 to 5
clarified MANY of my doubts. months for public administration and economy
MY QUERIES - you will have come across sufficient amount of
1. Sir, I have decided to take up "PUBLIC descriptive English and automatically you will be
ADMINISTRATION" as my optional subject. given more comfortable in writing answers
And I have planned to complete its syllabus 3. As far as my lecture is concerned you don’t have
in the first 4-5 months along with GS3 to make notes, Because the handout itself is
Economy. Basically I have taken up 2 revision note.
subjects as of now. And I attend classes of 4. Watch the video only once. Keep only having
both the subjects on unacademy. Sir kindly some doubt then rewatch video or see its
give your personal views/opinion/ and powerpoint.
suggestion for changes(if any)on this. Revision of the economy handout three times, at
2. Currently, I am 6th SEM (2 more minimum
semesters left; have decided to take the 5. 1st time = chapter revision Before the weekly
exam in 2021) of my CSE B.E. course. I quiz
don't have writing experience and hence I 6. 2nd time= whole handout Before the brand quiz
lack confidence while writing essays and at the end of my course
mains answers. Kindly advise me on an 7. 3rd time = whole handout, 2 weeks before the
25/06/2020 approach by which I can work on my writing prelims
09:42:59 Abhishek Dhal 1 8 ability and improve. 8. I do not make any false marketing claim that
Page 33 of 193
3. What should be a general strategy for UPSC will not ask anything outside of it UPSC
revision? examiners are known for their Unpredictable
temperament! But then again cut off is never
200/200, So we never put excessive amount of
efforts in a single area.
Similarly device the strategy from other Subjects using
their study material.
you are adviced to do revision from the handout only.
Sir, will it be possible for you to update the PowerPoint is nearly given for explanation through
PowerPoint of the class before it begins? photos.
Even if it's just 2 to 3 minutes before the So if you want to do any
class, it's fine. It will be very useful for those annotations/highlighter/scribblings you should be doing
of us who choose to annotate the pdf directly them in the handout PDF which is already uploaded
while the class is going on. before the class
I understand that there are some mcqs for I prefer to upload the PowerPoint after the class so
which people can cheat the answers but you 1. There is a particular “block” delivered. (e.g. Mains
can choose to remove them from the pdf you answer writing portion separately monetary policy
upload. separately even though both are covered within a
25/06/2020 single lecture on last Thursday)
11:11:32 Suhani Khandelwal 1 8 It is a humble request, Sir. Please consider. 2. Sometimes while teaching the class I also notice
Page 34 of 193
some typing mistake which I can rectify later on,
before uploading.
3. Advance Uploading also increases the cheaters
in MCQ. So it creates double labour for me to
upload one PPT before the class, and one after
the class I do not see great benefit in all this.
1. If you want to do cashless business then you
have to install some accounting softwares but
Accounting softwares like Talley are very
expensive.
2. +Routine dangers of the cyber security,
25/06/2020 sir what can be challenges for businessman electricity and internet outage, Employee stealing
11:38:38 SHUBHAM PANCHAL 1 1 in cashless economy?(some points) important files etc.
Basically there are 6 subjects in GS:

Sir, I will be eligible for attempt in 2021. Sir, I - Geography, environment, economy, polity&IR,
am not able to cover current affairs. My history, science technology.
static portion of History, GS-4, Environment - Then there is current affairs which overlaps on
and Science&Tech is left in its whole. above 6 subjects. So it is not a separate subject.
All the good teachers of those 6 subjects will
Economy, Polity and Geography is going on.
teach both the theory as well as current affair
My optional is also left. Please guide me
embedded within their course itself. So this
25/06/2020 how to cover all these so that I get time for
anxiety and Mania among the students ke
11:39:27 Abhay M 1 8 revision. There is alot to read sir but I read “Separately mereko current affairs krnaa hai”....
Page 35 of 193
slow with less comprehension. Please guide That should come at a later stage first you finish
sir. the 6 core subjects.

- Then there is mains exam where you also have
Ethics, essay and optional subject
- Booklist given on page1 of handout
video during Unacademy Summit. Please watch
it at following URL:
strategy-to-crack-upsc-cse/PL7KLWIX
- one should not spend more than 30 to 40 hours a
week watching lectures
reading the books and study material (minimum
reading list list is mentioned on the page 1 of
your handout)
-
- Please see slide number 20 and 21 of following
lecture And design your weekly allocation of
lectures versus reading accordingly
prep/JDQMR3FR
25/06/2020 Good afternoon Sir, as it's my first approach
15:12:36 Mallikadevi Swargiary 1 8 & I'm unable to balance subjects Basically there are 6 subjects in GS:
Page 36 of 193
systematically, especially how to deal with - Geography, environment, economy, polity&IR,
static portion and general affairs, I'm history, science technology.

- Then there is current affairs which overlaps on
suffering from shortage of time amount.
above 6 subjects. So it is not a separate subject.
Your response will be greatly appreciated
All the good teachers of those 6 subjects will
Sir, Thank you.
teach both the theory as well as current affair
embedded within their course itself. So this
anxiety and Mania among the students ke
“Separately mereko current affairs krnaa hai”....
That should come at a later stage first you finish
the 6 core subjects.
- Then there is mains exam where you also have
Ethics, essay and optional subject
- Booklist given on page1 of handout
video during Unacademy Summit. Please watch
it at following URL:
- one should not spend more than 30 to 40 hours a
week watching lectures
reading the books and study material (minimum
reading list list is mentioned on the page 1 of
your handout)
Page 37 of 193
-
- Please see slide number 20 and 21 of following
lecture And design your weekly allocation of
lectures versus reading accordingly
prep/JDQMR3FR
-
Meaning emojis= Consider it a time-pass puzzle that is
not important for the scope of exam. If you can decode it
sir class mey aapne jo notes mey emojis use well and good if you can't decode it, then don’t lose sleep
kiye hai,u nka meaning bhi bata dijiye.its over it.
25/06/2020 difficult to understand the tiger,shield,and For example tiger emoji usually comes in RBI related
17:37:51 GautamVarma-6379-2919 1 1 diffrent shapes.thankyou. topics because tiger is in the logo of RBI.
sir in GS-3 syllabus
*Welfare schemes for vulnerable section of We do not have to separately study the schemes of
the population by centre and state individual States. No such question has been asked in
the past UPSC exams. But in general terms you should
sir here it's mentioned centre and state so its be aware what is going on For Welfare of the people.
25/06/2020 clear that we have to study for both , but in
20:20:23 Faiz khan 1 2 other parts of the syllabus it's not mentioned Second state governments are also required to contribute
Page 38 of 193
so for those parts we have to study only for money for implementing the centrally sponsored schemes
Centre? in the states.
We will see more about this in the second Pillar lectures.
As far as old batch students’ Reappearing in the exam
and getting very High School very fast is concerned I
have made my stand simply clear in the 25th June
Thursday lecture Opening part.
This is not a mathematics quiz where I can change the
sum’s figures is every time.
Iran’s currency is toman. how many ways can we spin
this fact for generating new MCQs for every quiz in every
batch? If I apply my brain in this activity, when will I finish
updating the lecture handouts and Powerpoint for the
next week while simultaneously also addressing some
300-500+ ‘doubts questions received in google form on
weekly basis?
sir aap quiz questions ko copy-paste karna
25/06/2020 bandh karo. plz change the questions in I wish I was a machine,so I could work 24 by 7 without
20:37:35 Rudra 4 1 QUIZ eating, sleeping, rest or any personal life. But until that
Page 39 of 193
happens we have to continue with the present system.
Further thoughts about the quiz given in the introductory
part of this lecture
https://unacademy.com/class/economy-pillar1a2-
monetary-policy-i-money-supply-m0-m4-money-
multiplier-crr-slr/89TUAVFB
Good both are good subjects. now, Download their
syllabus and previous year papers and observe some
free material and classes on unacademy, Then decide
which subject you like better.
For example in my case I would prefer sociology over
philosophy because mujhe woh sab philosophy mumbo-
jumbo Reading kaafi boring lagtaa hai, So I don't think I
can sit and study its 4-5 books over a period of time. But
there will be other students who will enjoy that
the fact is there are good number of toppers both from
25/06/2020 sir apne optional k liye 2 subject choose Sociology and philosophy so ultimately you should pick
20:37:41 satish 4 8 krne ko kaha tha philosophy and sociology one subject based on your interest. If you find a subject
Page 40 of 193
boring and burdensome then you will not be able to
continue reading it for a long time.
sir when u say some content is "not imp for
upsc" should i skip it all together or is there a
small chance that it may be asked in the
25/06/2020 paper?for eg:bank label brown label....table There is always some small chance therefore it is given in
20:49:03 @Aditya9196 1 8 in the handout the handout
Sufficiently explained in the lecture how it fulfills the two
conditions simultenously:
1. Condition one should be in the form of coin
Sir currency for Digital currency
SOV is not in form of coins or note as it is a 2. Condition two: Must be issued by king queen
25/06/2020 crypto currency then how will it become a government or Central Bank so yes it is issued by
20:50:47 Arathi lama 1 1 fiat money? the government of Marshall Island
On what basis do RBI print currency notes?
25/06/2020 Can RBI print unlimited currency notes? If This we have studied in the monetary policy lecture On
20:58:09 Neha Garhwal 1 1 no, then why not? 27th Saturday
Sir, i was totally shocked seeing ur
responses to all our queries/doubts. Hats off Thank you for compliments.
25/06/2020 Sir! I seriously dont know how you will This is my 6th batch In unacademy. So, I have cultivated
20:59:42 Suprith M B 1 1 manage this sir...! #ThankYouMrunalSir sufficient experience and proficiency this activity.
Page 41 of 193
In Digital Financial Inclusion Index:
1.How local vendor can be a Banking
Correspondent?
2.What's the meaning of "no user shall be
25/06/2020 more than 5 kms away from the banking Answered in the previous querry asked at 23/06/2020
21:00:06 singhnirdesh1991 1 1 access point"? 07:33:01
Revision of my economy handout three times, at
minimum
1st time = chapter revision Before the weekly quiz
2nd time= whole handout Before the grand quiz at the
end of my course
revision kab se start karna hai?rozz revision 3rd time = whole handout, 2 weeks before the official
karna hai?konse subjects ka revision like jo UPSC prelims
currently kar rahe hai ya jo ho chuke hai?aur
25/06/2020 rozz revision kitne time karna chahiya?ya fir Similarly, identify the core books/study material for each
21:01:46 GautamVarma-6379-2919 1 8 jan se hi revision chalu karna hai? subject, and plan out their revision plan yourself.
Revision question replied in the previous cell
one should not spend more than 30 to 40 hours a week

watching lectures
remaining time should be spent in actually reading the
25/06/2020 daily kitne subjects?kitne video?kitna
books and study material (minimum reading list list is
21:02:50 GautamVarma-6379-2919 1 8 revision?kiska revision karna chahiye? mentioned on the page 1 of your handout)
Page 42 of 193
Please see slide number 20 and 21 of following lecture

And design your weekly allocation of lectures versus
reading accordingly
25/06/2020 I am new on unacademy plus and find Please sit through my weekly classes and over the period
21:05:47 srivastavaaditi212@gmail.com 2 7 difficulty in economy so please help sir of time you will cultivate the proficiency for economy.
How to finish the newspaper fast?
How to make notes from newspaper ?
Hello sir when I am reading newspaper How much to rely on current affair PDF ?
I did not read it fastly and also not How much time to devote daily for current affairs ?
comprehending well. How can I come out of
this problem could u please help me in this All these questions are covered in my slide 28 onwards in
issue. the following lecture
My vocabulary is not that good
25/06/2020 Is there any techniques to comprehend https://unacademy.com/class/comprehensive-strategy-to-
21:07:55 Ankit 1 8 better and reading speedly crack-upsc-cse/PL7KLWIX
Step1: Go through the previous years topic wise question
papers for prelims and mains. It will give you an ample
25/06/2020 sir can u suggest experienced tutors like you idea of what type of questions are asked and how much
21:10:26 @Aditya9196 1 8 for other subjects? depth is required for a given topic. You will find them at
Page 43 of 193
Mrunal.org/prelims and Mrunal.org/mains
Step2: You can find the list of all good educator with
ranking at
https://learn.unacademy.com/plus/goal/KSCGY/educators
But you can look at educators’ ranking and their total
watch time, sit in a few lectures, it’ll give a good idea. And
because you have already observed the previous years
question papers to have fairly good idea on whether they
are teaching in an exam oriented manner or not. For a
given subject, Which of the educator is best and which of
them is less good= I am unable to comment, because I
am a company employee.
Step3: one should not spend more than 30 to 40 hours a
week watching lectures remaining time should be spent in
actually reading the books and study material (minimum
reading list list is mentioned on the page 1 of your
handout) Please see slide number 20 and 21 of following
lecture And design your weekly allocation of lectures
versus reading accordingly
Page 44 of 193
For someone attempting this quiz for the first time 19 out
Sir, I scored 19 on 25 in the weekly quiz. In of 25 is a very good score. Just finished those historic
one question I did not read the directive things which were given in the homework
word correctly and in 1 more question I got
confused. But the 4 questions were kind of Further issues pertaining to the weekly quiz are
history based. I had read the handout addressed in the June 25th class’s introductory part
properly, yet I get them wrong. I am new to https://unacademy.com/class/economy-pillar1a2-
25/06/2020 the preparation and I havent begun history monetary-policy-i-money-supply-m0-m4-money-
21:11:50 Khushi Agrawal 1 8 yet. What do you suggest me to do? multiplier-crr-slr/89TUAVFB
- How much is a report or scheme important for the
sir this is regarding current affairs although i exam? Go through previous topic wise paper you
have watched ur first lecture but still i have will automatically being to see the utility.
doubt that is bothering me should i focus on - recurring issues like india china,india nepal,
all current affairs (like index reports, vaibility corona= You need to keep an eye on them just to
25/06/2020 gap funding,GeM etc) or recurring issues ensure that you are getting the best 5 to 6 points
21:16:43 kunal k 1 8 like india china,india nepal, corona for quotation in the real exam
Sir i have two question- Spectrum’s history = 848 pages
25/06/2020 1)Will reading from your handouts wlil be
21:22:22 Himangshu Nath 1 8 sufficient and i will not be required to read Laxmikanth polity =940 pages
Page 45 of 193
any other economy book?
2)Sir for quick revision how to make/prepare My economy handout = 600 pages.
my notes as before exam it will not be
possible to revise your 600 page handouts? These are basically author's revision notes for the exam.
There is no need to make further notes out of it simply
read it multiple times and be done with it. Otherwise when
will you find time to finish other parts of the the syllabus?
Suppose, for an optional subject public administration.
There is an important book by mohit bhattacharya, But he
has written it in the form of academic / college essays. So
in such scenario you have to break it down as a revision
note by yourself for the Mains examination revision. But,
in case of the aforementioned competitive exam material
no need to make such notes.
I do not make any false marketing claim that UPSC will
not ask anything outside of it UPSC examiners are known
for their Unpredictable temperament! But then again cut
off is never 200/200, So we never put excessive amount
of efforts in a single area
25/06/2020 Namira 1 8 Hello sir, my appearing year is 2021..and as How to do last 2 years’ current affairs?
Page 46 of 193
21:23:48 you had said that you have to take current How to finish the newspaper fast?
affairs from year 2019...so please tell me a How to make notes from newspaper ?
strategy how can I cover 2019 and 2020 How much to rely on the current affair PDF ?
current affairs daily...please suggest How much time to devote daily for current affairs ?
sir...thankyou:)
All these questions are covered in my slide 28 to slide
40in the following lecture
https://unacademy.com/class/comprehensive-strategy-to-
crack-upsc-cse/PL7KLWIX
Current affairs PDFs are supplements but not substitute
for the Newspaper reading. Which is required for building
the clean vocabulary, grammar and language proficiency
for the essay paper
papers automatically you will get the idea what type of
information is more important and what is useless. Then
accordingly read or glance over the matter given in CA-
PDF.
Page 47 of 193
Sir Namaste..
while writting essay we have to complete
pros and cons of one party first or pros first
of alll parties than cons.
eg:- your esaay on tenablity of work from
home.
first we should explain students pros and
cons. than business point of view pros and
25/06/2020 cons or on one go pros of all than cons of - For essay, Ideal approach is to give the pros and
21:43:12 ASHISH SINGH 1 8 all. cons from each stakeholders perspective.
While I am empathize with your request but Hindi medium
handout related Queries are sufficiently addressed in the
lecture 1’s introductory part → slide 48 onwards.
25/06/2020 sir plz handubts hindi m b provide kraiye ...... about-course-upsc-prep/JDQMR3FR
21:43:22 utsav omar 1 8 bhot pblm hoti h smjhne me plz sir...
SIr, what if we increase the production of Covered in this lecture
currency notes to meet our economic https://unacademy.com/class/economy-pillar1a2-
25/06/2020 demands? Will it give rise to inflation? as the monetary-policy2-quantitative-tools-crr-slr-
21:45:35 Anirup 1 1 product of goods will vary and the standard repo/SE011IEP
Page 48 of 193
rate of exchange wont be maintained.
Sir, during answer writing in the body part
can we write points like this
Describe
1st problem then its solution
2nd problem then its solution
25/06/2020 And so on?? It depends on the nature of the question Yes you can use
21:46:24 Vrashti Jain 1 8 Thank you in advance Sir this format or you can use some other format
Sir,i have been watching the recorded
vedios of economy for prelims 2020 and i
have finished till pillar 4b.In the weekly
quizzes i am scoring about 50% .I will
appear for 2021 ,so should i continue
25/06/2020 watching the recorded or will go with this If you are scoring 50% in the weekly quiz then better to
21:47:55 Shubhashree Sahu 1 8 session from beginning? again resume watching the videos In the current batch
25/06/2020 sir i have printout of your handout of older - Always good to hear students from the previous
22:05:38 @thedevil 1 1 batch should i just update that or to batch. I hope You are in good health and your
Page 49 of 193
download newer one preparation is on track.
- - Ideal approach for old batch students = (original
handout from your batch+ wincsp20 series ke
Handout & powerpoints for updating it, available
at https://mrunal.org/download#Win20CSP ).
- - No need to take separate printout of this new
handout going in the present batch. Yes it contain
some new current affairs for example Iran’s
toman currency but in future I will cover that in
your Win20CSP handout as well. So, need not
worry.
- - I will finish the win20CSP series before prelim-
2020. And will start win21CSP series after next
years’ budget. So you follow them accordingly. I
hope that you will clear the exam in 2020 cycle
itself incl. January’s Mains, but still you will have
to prepare next year’s budget for interview-stage,
isliye do keepup with win21CSP as well!
25/06/2020 Sir, were can we get ARC Reports and Do the Google search you will find the government
22:21:12 Suprith M B 1 8 Economic Survey ? websites where they are available.
Page 50 of 193
1. Thank you for your compliments.
First of all thank you so much sir
Truly sir you are my mentor you guide very Previous batch students:
well sir . - Ideal approach for old batch students = (original
Your teaching style giving notes clearing handout from your batch+ wincsp20 series ke Handout &
doubt all things are amazing abhi tak koi powerpoints for updating it, available at
unacdemy me aisa nhi padhata hai sir aap https://mrunal.org/download#Win20CSP ).
best ho - No need to take separate printout of this new handout
Economy aisa part tha Jo Maine ache se going in the present batch. Yes it contain some new
shanti se padha Baki har subject me current affairs for example Iran’s toman currency but in
teachers me Kuch limitations ho hi jata hai future I will cover that in your Win20CSP handout as well.
either they don't tech well or their notes not So, need not worry.
matching with their studying styles... But you
are best aur true guide krte ho remain all are Regarding the mains answer writing part certain handouts
promoting their business...sir I want ki soon and powerpoints have been updated. in such case keep
Mai upsc clear Karu and aapse milu. an eye on the time table. Whenever there is a session on
2. mains answer writing usually I add the suffix -”mains
I'm from last year June wala batch student answer writing”
one thing confusing horha ki notes 500 Example, Jun21 lecture here:
pages ki h already aur update Jo Aya h https://unacademy.com/class/economy-pillar1a-money-3-
25/06/2020 usme ourane notes me se Kuch remove bhi cryptocurrency-intro-to-mains-answer-writing/W0Y024BN
22:36:41 Mahesh 1 8 Kiya h kya Aapne
Page 51 of 193
3 answer writing me ethics ke point of view So afterwards you may watch that video or atleast
se bhi aap answer Karwa rhe kya??.. download the PowerPoint and automatically you will get
4.but sir problem is that ki Maine revision the idea.
ache se nhi ki h economic islie Mai bhul gya
hu. Use kaise cover kru
After completing a large block of syllabus of the given

subject.
Tanish (last batch's student) For example to attempt an answer on fundamental rights
Sir just tell me when should I start answer in a good manner, topic you should also have finished the
25/06/2020 writing? after completing whole syllabus or related bodies like National Commission for minorities
22:58:46 Tanish Mishra 1 8 after completing subject I should start? National Commission for Women etc.
1.Sir . In the case study of mother &
daughter, what to do if the chairman is also 1. Mother dies suddenly then police will investigate.
strict.. & incase the mother dies suddenly, If they find the cashier to be guilty , they’ll arrest
then what to do???? him.
2.plz elaborate about impulsive purchase. 2. Impulsive purchases=Depending on mood, if u
25/06/2020 3. Wht is difference between Commercial buy random things. Sunglasses hat necklace.
23:05:17 Sripad Padhiary 1 1 bank & Ordinary bank . 3. We’ll learn that in pillar#1B1
25/06/2020 Sakshi Verma 1 1 Sir printout dono side pr niklwana h ya ek Whatever I have to say is already typed in the handout.
Page 52 of 193
23:08:20 side pr?sir aap kuch dictate bhi krenge no separate dictation in the class.
during the classes ya fir handout is If you wish to print the handout then ideally you should do
sufficient. it on double sides to save the money and space
Economics as an optional subject is much different from
economy as a General Studies, Which I am teaching at
present.
I have taken economics as my optional so

25/06/2020 do I need to prepare for it separately or your
subscription at
23:26:36 Beauty lugun 1 8 class for economics is enough???? https://learn.unacademy.com/plus/goal/KSCGY/topics
If you do the answer writing practice of parallel topics you
will be able to gain more mastery.
Sir, aaj aapne answer writing discuss krte Watch this video from 14 minut onwards
25/06/2020 waqt "draw parallels" bola...what does it https://youtu.be/htcu1I2PAtk?t=866
23:27:00 @Kr_abhishek 1 8 mean? To see the example
No you have to visit the bank. Show the manager your
fixed deposit certificate and then they will give you the
option to 1. withdraw it as a cash or
25/06/2020 Sir, after maturity of fixed deposite, is it 2. to deposit in in some other bank account or
23:28:17 sahoomanoja96-1420 1 2 autimatic convert into saving deposit?? 3. create a new fixed deposit from it etc.
25/06/2020 @ParnabNaskar 1 1 Sir in today's class i faced some difficulty in Jethalal (=an example of investor) will be willing to buy
Page 53 of 193
23:28:23 unnderstanding the Ambani jethalal thing.... the bonds of reputed company such as Mukesh
can you please explain it again Ambani’s.
Therefore, such bonds are considered to be liquid
assets.Because easily you can convert them into cash
You Can shift the money from your CA/SA account into
fixed deposit by by filling the forms in the bank.
Sir can we transfer saving account / Current Nowadays because of the online banking facility you can
25/06/2020 Account to Fixed Deposit Acc & vice simply log into the bank portal and with the click of a
23:28:38 Taha shayer 1 1 versa?? button you can do it as well.
Sir i have joined unacademy yesterday but i
have completed your all lectures of ongoing
batch i want to know about preparation of - Finish economy, polity, International relations first
upsc i am going to appear in 2022 so kindly so you can understand the daily newspapers
guide me that i should go for all subjects better manner.
25/06/2020 together or first i should complete 1 subject - Other subjects you can do afterwards As per your
23:30:57 toorparam2001-6210 1 8 then go for next . own taste
M3 = M1 + time deposits of banks.
25/06/2020 Is M3 = M1 + time deposits of banks ..or
23:31:12 vaishali Trivedi 3 4 M3=M2 + time deposits of banks ? M1 and M3 both avoid the post office walle parts.
Page 54 of 193
- The level of optional subject papers’ difficulty in
UPSC exam is little higher than the bachelors’
degree (i.e. 3 years courses) and little lower than
the masters’ degree (i.e. 2 years courses).
- So, If you take up a subject which you have not
studied in the graduation then it is going to take
at anything between 4-8 months’ preparation to
gain mastery for it (Depending on how many
hours you are investing on it.)
- The notion that Humanities subjects like
sociology public administration political science
have overlapping with the general studies = so
we should take them= It should not be your
primary consideration. Because hardly in one or
two question of GS Mains papers, you will get to
Hello Sir, I m going to appear in 2021... I you have the chance to show your your optional
want to take Civil Engineering as my mastery. Otherwise traditionally a lot of their
optional subject as it is my background and subject matter deals with thinkers, theory,
it will make a good backup also... But so philosophical concepts not related to general
much contents are there to study including studies.
25/06/2020 GS and Optional... - A known devil is better than an unknown Angel.
23:31:21 Vinay Kumar Khandey 1 8 How to manage ?? So you have to weigh how Comfortable you are
Page 55 of 193
with your engineering optional subject. You may
be able to finish it much faster compared to
selecting an unknown optional subject Which you
have not studied in graduation.
- Only if you are very weak in your college
graduation subject, and want to explore some
other optional subject then you may do so.
- Further, civil engineering also enables you to give
the Indian Engineering Service exam which is
also giving good salary.
What is the purpose of a collateral? to ensure that if
borrower does not return the money the lender will
recover it from the collateral (jo girvi rakhaa gyaa hai).
can we withdraw a money from FD after
25/06/2020 taking loan on behalf of this FD as collateral So, as a bank manager will you allow the customer to do
23:31:31 SHUBHAM PANCHAL 1 1? so (break his FD which he pledged as collateral for loan)?
Yes they do give Interest on the savings account. How
will you attract the customers otherwise to deposit in your
Does the bank give interest on saving bank ?
25/06/2020 accounts?If so why,if the money can be In a bank lot of money keeps coming in and keeps going
23:36:53 Abhilash Mishra 4 1 withdrawn at any time? out so some people withdrawing the money from savings
Page 56 of 193
account, does not really hurt their business.
Thank you for your compliment.
M1 and M2 are called Narrow money. Because of their
First of all thank you sir for teaching us in smaller size (since they only cover demand deposits)
this wonderful manner. I'm really glad that i
got the opportunity to learn from you as i M3 and M4 are called broad money, because of their
always listen about you from all the UPSC relatively larger size than M1 and M2.
CSE toppers. Being your student is like
dream come true for me since they are given in the NCERT so we have to
prepare. It is not some great thing that is going to be
25/06/2020 And my question is -> What is the meaning asked in the mains exam that we have to spend more
23:39:28 Vrashti Jain 1 1 of narrow money & broad money? time than that 1 word association.
1 - Sir should i also make hand written notes Current affair PDF files are already in the format of
for current affairs from news paper n insights revision notes so separately no need to create notes from
daily c.affairs in addition to reading them ?? them just revised them often. Otherwise you will get tired
2 - sir between daily current affairs of making notes out of it.
insights , vision , ias parliament which one
would you prefer??? kindly tell , it will create Since most candidates follow Vision IAS free monthly
25/06/2020 a clearity and confidence . current affairs PDF so you should keep an eye on it just
23:41:29 Farhan qureshi 1 8 Thankyou to ensure that you have not missed any important topic
Page 57 of 193
Which may have been prepared by other candidates. But
the problem is Vision IAS current affair file =They bloat it
too much with unnecessary data and international reports
analysis and findings and ‘historic perspective’...Which
we cannot really write in the mains exam because of the
word limit and time limit. So ‘glance over it’ accordingly.
Similarly IASParliament PDF files problem = while they
give the polity material in a relatively crisp manner but in
environment portion unnecessarily bloating it with too
much coverage.
SIR I AM STUDYING FOR CIVIL - Thank you for your compliments
SERVICES , DO I HAVE TO STICK WITH - Given the level of small vacancy in UPSC-CSE
THIS EXAM OR I MAY APPEAR IN SAME versus large number of aspirants, it is always
TYPE OF EXAM LIKE AFCAT & CDS PLS good idea to appear for multiple competitive
SUGGEST SIR. exams for safety purpose. AFCAT and CDS are
AND SIR ,AFTER SYUDING ECONOMICS also good examination if you are interested in
FROM YOU I AM GETTING INTEREST IN pursuing the career in Defence Services. Their
25/06/2020 IT FOR THE FIRST TIME IN MY LIFE . salaries are also quite good. But because they
23:45:58 @Abhibgs 1 1 THANKYOU SO MUCH SIR ... are having large number of MCQs on aptitude so
Page 58 of 193
accordingly you have to fine tune your strategy.
Questions related to pillar1C: SEBI share market are very

rare in real UPSC exam. If at all they ask they ask it from
very basic things.
25/06/2020 sir please explain the concept of ppp in trade PPP (Private Placement Program) in trading= poor cost
23:46:51 R@lu_GuRu143 2 3 maket benefit for UPSC .
26TH JUNE
As such the handout is the primary source for division
But, After your subscription is over you cannot access the videos.
Hello Sir! Is it beneficial if I download the but if you have the power point and suddenly want to see something
PPTs as well? I prefer to make notes in the for better clarity because of the photographs, you can see it and
26/06/2020 handouts itself whenever necessary and I'm recall the things. That's why advisable to keep the copy of both
01:23:53 @vanshikadeswal 1 8 trying to not burden myself with material. PowerPoint as well as find out
Pranam sir,
Current affairs magazines mei editorials ke Current affairs PDFs are supplements but not substitute for the
26/06/2020 bhi notes milte hai ya humein editorials Newspaper reading. Which is required for building the clean
01:38:47 Debo 1 8 notes khud hi banani paregi ? vocabulary, grammar and language proficiency for the essay paper.
26/06/2020 Saumya Khare 1 7 Sir how can we define monetary policy..Just That we will see in the the mains answer writing part next week. We
Page 59 of 193
02:15:12 a brief introduction... that I can mention in are not yet finished with the topic
my answer.
No need for Ramesh Singh, if you are using my hand out.
1) Important factoids are covered here in handout
Sir, do I have to read Ramesh Singh Eco. 2) Ramesh Singh has unnecessarily bloated his book with too
26/06/2020 Text book after your lecture..or your lectures much non exam oriented type share market and government
02:18:03 Saumya Khare 1 8 can suffice? report cut paste job.
1. Both in PowerPoint and handout page 5 it is clearly

Good Morning Sir,
indicated that Fiat money could also include a
1)In the quiz there was a question of SOV (
cryptocurrency if it’s issued by Government e.g. Marshal
Fiat money/Legal Tender/Cryptocurrency)
island. Please see them again more carefully.
answer was all of the above but my doubt is
Fiat Money definition says it is in form of
Coin or note but cryptocurrency is virtual so
how it can be Fiat Money?
2)What is overdue balance in FD and how it
is a liability for bank?
3)Is there a criteria for Minimum Balance in
Savings a/c and is this one of the difference
between CA and SA? 2. If you made a fixed deposit for 5 years. The timeperiod is
26/06/2020 4)Sir I scored 20/25 in the quiz, its my first over, but you are not visiting the bank to withdraw it, then it
02:25:45 Bhairavi Pawar 1 7 quiz in any of the subjects as I have recently becomes ‘overdue’ from banks point of view. So, Afterwards
Page 60 of 193
started my CSE 2021 preparation with when ever you go, bank is supposed to give the money to
economy.How can i improve score?Will it you
improve with time?Please Guide. 3. Explained in the
Thanking You in advance. lecture.https://unacademy.com/class/economy-pillar1a2-
monetary-policy-i-money-supply-m0-m4-money-multiplier-
crr-slr/89TUAVFB
4. It is quite a good score for someone who has just started the
preparation. Keep it up.
M0 Explained in the june 27 lecture
26/06/2020 Sir, what is M0, given in handout in https://unacademy.com/class/economy-pillar1a2-monetary-policy2-
02:59:52 Divyanshu Dagar 1 1 measures of money supply? quantitative-tools-crr-slr-repo/SE011IEP
What make a bank private and govt ? ...SBI
26/06/2020 and PNB private how? And is there any
06:47:42 Himanshu Giri 1 1 other govt? We’ll learn that in pillar#1b1
Sir, it's my humble request to u, plz change This is not a mathematics quiz where I can change the sum’s figures
the questions in quiz altogether RATHER is every time.
THAN RANDOMIZING OR CHANGING THE
ORDER of familiar questions so that it would Iran’s currency is toman. how many ways can we spin this fact for
help us to evaluate .sir, plz tell me what is generating new MCQs for every quiz in every batch? If I apply my
26/06/2020 the use of taking quiz, if all the questions are brain in this activity, when will I finish updating the lecture handouts
06:50:37 RAJ 1 1 repeated from previous batches ? Sir, try to and Powerpoint for the next week while simultaneously also
Page 61 of 193
keep the quiz entirely new . addressing some 300-500+ ‘doubts questions received in google
form on weekly basis?
I wish I was a machine,so I could work 24 by 7 without eating,
sleeping, rest or any personal life. But until that happens we have to
continue with the present system.
As far as old batch students’ Reappearing in the exam and getting
very High School very fast is concerned I have made my stand
simply clear in the 25th June Thursday lecture Opening part.
https://unacademy.com/class/economy-pillar1a2-monetary-policy-i-
money-supply-m0-m4-money-multiplier-crr-slr/89TUAVFB
sorry for the previously asked question
regarding testpaper without thinking on
answers.
i revisited answer key and got the answers.
1. what is M0 as mentioned in pg-29 last M0 Explained in the june 27 lecture
26/06/2020 line. https://unacademy.com/class/economy-pillar1a2-monetary-policy2-
07:08:52 Ashutosh ranjan 2 1 thank you quantitative-tools-crr-slr-repo/SE011IEP
26/06/2020 Surjeet Singh 1 1 Namaskaram Sir..My doubt is that how SOV Please read The explanation given on page 5.
Page 62 of 193
07:19:11 IS FIAT MONEY? It is in form of virtual coin and it is issued by government so it is fiat
money
Regarding first question:
It falls under the category of moral outrage. My answer is “Send
suggestion to PM.” But I doubt they will have the time or patience to
set up an entire machinery to collect / exchange Rs1 notes/coins
when the task is given to RBI as an ‘agent of the Government’.
Regarding second question
As company employee, I am unable to give opinions in the format of
“Watch this teacher’s lecture but do not watch that teacher’s lecture.”
Our model is like Netflix/Amazon prime. You can watch the shows
which you find important for your exam.
Why government of India is not writing "l
promise. to pay.... .. "??? So, the real question is, “is xyz lecture important for the exam?”
Ans. Go through syllabus and previous years papers Topic wise.
I am targeting 2022 attempt... Should I join Begin reading some core subjects. Sit through a lecture you’re
26/06/2020 Rakesh sir ""critical issues" from now.. How interested in it. Automatically you will get a taste of what areas are
08:20:43 Sakera Momin 1 1 it is help?? Please honest review sir.. S you comfortable with and in what areas you have to watch videos.
Page 63 of 193
Q1. MICR technology allows the banks to read/verify cheques using
special magnetic ink reader.
Q2.
Since most candidates follow Vision IAS free monthly current affairs
PDF so you should keep an eye on it just to ensure that you have
not missed any important topic Which may have been prepared by
other candidates. But the problem is Vision IAS current affair file
=They bloat it too much with unnecessary data and international
reports analysis and findings and ‘historic perspective’...Which we
cannot really write in the mains exam because of the word limit and
time limit. So ‘glance over it’ accordingly. Beyond that, How much to
rely on the current affair PDF ? How much time to devote daily for
current affairs ?
All these questions are covered in my slide 28 to slide 40in the
following lecture
1. What is MICR??
2. Should I read vision material for https://unacademy.com/class/comprehensive-strategy-to-crack-
current affairs or upsc-cse/PL7KLWIX
26/06/2020 3. Rakesh sir critical issues?? Which is
08:39:17 Sakera Momin 1 1 best Current affairs PDFs are supplements but not substitute for the
Page 64 of 193
Newspaper reading. Which is required for building the clean
vocabulary, grammar and language proficiency for the essay paper
Also observe the topic wise previous year question papers
automatically you will get the idea what type of information is more
important and what is useless. Then accordingly read or glance over
the matter given in CA-PDF.
Q3. replied in previous cell.
26/06/2020 Sir kya weekly test "Bilingual" ho sakta h
08:41:54 prashant.india 2 9 kya? Bi-lingual coin = text written in two languages on that coin.
- In that case first priority: Sanskrit optional pahle khatm karo.
Suppose on weekly basis Sanskrit optional teacher is
conducting classes for “X” hours then you devote them in
your 30-40 hrs weekly quota, afterwards u add other things.
Sir apne jo 30 se 40 hours video weekly Because the Teachers for optional subject may not be
watching btaya h wo, hindu analysis video, available live throughout the year so when they are live
current affairs or mera optional subject better you sit in the class ask them doubt and be finished
sanskrit literature jo unacademy pe nhi h me with your optional subject.
alg se uski class leti hu mila k h ?? Ya 30 - - Current affairs and Hindu analysis Puri Jindagi Chalte hi
26/06/2020 Raj rajeshwari 40 hrs gs bad me + opstional and current rahega. Lekin you should give priority to finishing the
09:14:42 joshi 1 8 ishuu syllabus of core subjects like polity, economy. So you can
Page 65 of 193
understand their newspaper current affairs Better by
yourself.
26/06/2020
11:44:46 gurpeet tuteja190 2 4 what is the difference between icor and cor Capital output ratio we’ll learn that in pillar#4->GDP.
You don't have to read each and every textbook of Tamilnadu. You
Sir vision IAS teachers r suggesting not to have to read the freedom struggle and world history related
read TN board books because it's a state development from their class 11 12 textbooks. To become familiar
26/06/2020 board book where ncert r central like upsc so with the subject. Their coverage is much more crisp compared to
11:53:43 Tany 1 8 better, plzz suggest me??? NCERT
Optional subject courses are unlocked with your subscription at

However there could be a possibility that your optional subject

commerce course is not available in above list, And or perhaps only
Hello sir. I'm appearing first time upsc a small set of strategy videos are made instead of full length course.
exam.my optional subject is commerce and But make good use of it to at least identify the booklist and trend of
accountancy..in unacademy their is no such question papers.
educater who teach this optional subject.sir

Further, Previous toppers’ Strategies may be available at
plz guide me to how should prepare for?and
26/06/2020 Gade prathibha plz suggest me the sourses. Thank you sir.
12:30:37 bharathi 1 9 Bye.
Page 66 of 193
Unacademy is continuously onboarding new educator's for the the

optional subjects as well in future there could be teachers in this
subject as well.
Sir I am in Chaos. While reading should I
make my notes from the text books or I can understand your frustration.
should I just read and recall again and again.
Making notes for optional is taking a lot of You should be making notes only for the optional subject and for the
time and I am getting too less time i.e., selected areas of Current affairs newspaper which I have mentioned
around 4 hours for other subjects. Should I in the lecture 1 (such hobby, workxp, state related dev, ethics).
do my notes for optional or just read and
revise and repeat. (I am about to complete No need to make notes from textbook such as NCERT, OR
26/06/2020 my 3rd year engineering preparing for 2021 competitive exam material such as Laxmikant spectrum or my
12:42:04 Amith Vinag 1 8 with Geography optional) economy handout. Just read, revise them often.
sir how is "SOV"(marshal island) a fiat Both in PowerPoint and handout page 5 it is clearly indicated that
money,since it is not in a form of coin or note Fiat money could also include a cryptocurrency if it’s issued by
26/06/2020 shivam it's just cryptocurrency?? correct me if i am Government e.g. Marshal island. Please see them again more
13:03:24 maheshwari 2 1 wrong. carefully.
Page 67 of 193
what are the advantages of having a study - One should have one or two good friends to prevent bouts
partner in this upsc journey ,when your study of depression.
partner is equally serious and have almost - One should also keep in touch with the few senior players,
same level of preparation and knowledge Especially those from your optional subject just to keep an
and also a student of unacademy.please eye on what new books or material is going on.
advice me about how to approach about it as - Beyond that the whole ‘study-partners’ thing = ye chikni
26/06/2020 PIYUSH you are the greatest mentor in upsc i ever chupdi MBA type baatein hai bhai. Ultimately this is a
13:45:07 PRIYADARSHI 1 8 know????? preparation journey you have to take solo.
Graduate candidate preparing for competitive exam is supposed to
Sir aaj harek lecture ke last me Bata digiye be capable for doing this much on his own. Please see, Slide
ki handout Etna page no se Etna padna hai number 49
26/06/2020 ..like aaj 105 se 120 Tak padna hai https://unacademy.com/class/economy-pillar1a2-monetary-policy3-
15:57:10 Vikash kumar 1 8 quantitative-tools-repo-tltro-msf-omo/PMAH2JMQ
Page 68 of 193
No need for Ramesh Singh, if you are using my hand out.
Important factoids are covered here in handout
Ramesh Singh has unnecessarily bloated his book with too much
non exam oriented type share market and government report cut
Sir will you cover Ramesh Singh textbook? paste job.
26/06/2020 Should we read it seperately or will u cover it
16:08:40 Tarun 1 7 under your pillars
It is liability because bank is supposed to return the money to the
client
Sir,How can demand draft be considered as
a liability to the banks along with SA & CA,as Bank does not pay interest on current account but current account is
26/06/2020 this two yeilds interest for the customer but also a liability for the bank because they have to give back the
16:32:12 Sushanth Patil 1 1 demand draft does not yeild any interest??? principal deposited.
More important for public administration optional subject. But not so
greatly important for general studies.
26/06/2020 Sir ARC report padhne hai kya? if yes then You will find the gist of ARC in various internet articles, as well as in
17:12:05 Anuj Kumar Akela 1 8 please suggest how to cover. Competitive exam books written for the governance GSM2 paper.
Page 69 of 193
Dear sir
hope you are doing well
sir can you make session on keywords of
questions like explain. critically analyse,
analyse etc
We are facing issues while answer writing
kindly make a session we will be very
thankful to you It has been done in the last part of this lecture
https://unacademy.com/class/economy-pillar1a-money-3-
26/06/2020 Thank you cryptocurrency-intro-to-mains-answer-writing/W0Y024BN
17:26:43 Ajita Awasthi 1 8 stay safe
Interest paid by commercial bank in current Bank does not pay interest on current account but current account is
26/06/2020 account is 0. Then, how is it a liability to also a liability for the bank because they have to give back the
17:37:40 JhaNilesh 1 1 them?? principal deposited, when client demands it.
Sir, you said FD comes under time liability of
a bank because the bank is required to give
it back to us at the end of the fixed time
period but then under demand liability you
said that at the end of the fixed term the - FD is time liability until its tenure is over. E.g until 5 years.
26/06/2020 fixed deposit becomes a demand liability - Overdue balance in FD becomes a demand liability. E.g. 5
18:05:39 Maitri Sutariya 1 1 because now the time period is over. So is years +1 day
Page 70 of 193
fixed deposit both a time and a demand
liability? Or a time liability before completion
of the time period and demand liability after
completion? And how can it be a time liability
before completion of time period q ki time to
hua hi nahi hai complete.
*sir, I am your student from feb-may batch.
sir, recently India borrowed some 750 million
$ from ADB. India's forex is 500 billion $.
Why borrowing if we have such huge forex
26/06/2020 reserve? Is it not possible to spend forex
18:30:11 mahith 1 3 money inside India? We’ll see that in win20CSP->pillar3.
Sir, I am not able to understand the current
affairs that are related to economy, all the Economics important current affairs are covered in my lectures
financial instituition news and various other PowerPoint and handout. Sit through them, Automatically you will
26/06/2020 Anirudh Bansal monetary policy ones, go over my head. begin to understand what type of things are more important and
18:51:41 (@Ani848) 1 1 Please help me out, what can I do ? what type of current affairs in economy are less important
M1 and M2 are called Narrow money. Because of their smaller size
(since they only cover demand deposits)
26/06/2020 Sir , what is the difference between narrow
19:01:38 S balot 1 1 money and broad money how will we define M3 and M4 are called broad money, because of their relatively
Page 71 of 193
larger size than M1 and M2.
since these terms are given in the NCERT so we have to prepare. It
is not some great thing that is going to be asked in the mains exam
that we have to spend more time than that 1 word association.
SIR,Can you tell how to read yojana and - Main objective: single page chief editors desk.
kuruskshetra magazine - If time= Read other chapters from magazine itself or read
26/06/2020 (should i read only chief editors desk only or their Bullet point summary is prepared by current affairs
19:06:19 R SANDEEP 1 8 whole topic) website.
What to read for economy in addition of my PowerPoint and
handouts?
I have addressed this query sufficiently at the lecture 1’s slide 97 to
106 itself. Please re-watch the recorded session at
https://unacademy.com/class/economy-introduction-faq-about-
26/06/2020 Sir handouts is sufficient for both pre n course-upsc-prep/JDQMR3FR
19:20:58 Babita Adhikary 1 2 mains..
Im from other batch and Im revising and
taking tests again. I have doubt regarding - RBI decide the loan to value ratio. Banks don’t decide it
LTV ratio. Are the scheduled commercial themselve.s
26/06/2020 banks have to authority to fix the LTV ratio - “pecuniary “= correct word is “precautionary” motive. So it’s
21:15:34 sai sreyash 1 1 as per their wish ? Please explain. And in wrong.
Page 72 of 193
the same test you have given a question
regarding motives of the people to keep
cash with themselves and in answers you
have given only transaction and speculative
motive even though the option for pecuniary
motive was also there.
Does Gmail pay any fees to Google? No because Gmail is a product
developed by Gogle itself.
26/06/2020 Do IMPS pay any amount to NPCI for using
21:28:17 Hemantparimal007 1 8 their UPI code Similarly IMPS and UPI are ‘services/products’ created by NPCi.
- That translates to roughly 5 to 6 hours a day which is quite
sufficient for preparation of 2021.
polsci-pubad-socio
Dear sir, I am a working person preparing for In terms of structure, length and relevance in GS Mains papers =
2021. Currently i am able to devote 40-45 they are nearer to each other. So pick either one based on your
hours per week. Is it sufficient ? And please personal taste / interest. Some failed candidates may say do not
reccomend me an optional... confused select public administration because papers are very tough. some
26/06/2020 between public administration, psir, and failed candidates will say do not take sociology because a less
21:53:16 Subratt 1 8 sociology.... number of candidates are given interview calls. but at the end of the
Page 73 of 193
day there are good number of toppers from all three subjects. so it
all depends on your personal interest because if you do not have
personal interest then you will feel very very bored to sit through the
long hours of reading thick academic books of such subjects.
1. RTGS have service charges but UPI don't
have any. How is this possible given UPI
have RTGS on backend ?
2. PPI should be interoperable as per RBI 1. UPI uses IMPS technology. Both UPI and IMPS Are
guideline in OCT,2018. But still money from developed by the same organisation which is NPCI
26/06/2020 ankita123.ak45- Paytm wallet can't be transferred to 2. The guidelines will come into effect in gradual phased
22:02:41 2305 1 1 freecharge wallet etc. manner.
I could not follow the measures of money Media and opposition parties keep complaining that people are
supply properly, even after re-watching the dying of Hunger during the coronavirus lockdown because they’re
video. can you please give a little more not getting any food. so what should government do? First
elaboration differentiating between narrow government will find the data related to how much rice and wheat is
and broad money and also on available in its store houses and how it can distribute it to the poor
M1,M2,M3,M4. In the handout on pg 39, you people.
26/06/2020 have also mentioned about M0, can you
23:19:12 Toshalee Dam 1 4 please elaborate on that too, because you Similarly RBI will have to first find out how much money is there in
Page 74 of 193
didn't talk about it in the video. various parts of the economy and then how to increase or decrease
its supply to address the problems of GDP growth and inflation and
deflation.
M1 and M2 are called Narrow money. Because of their smaller size
(since they only cover demand deposits but not time deposits)
M3 and M4 are called broad money, because of their relatively
larger size than M1 and M2.
since these terms are given in the NCERT so we have to prepare
just 1 word association, without going in the etymology.
M0 covered in 27th June lecture.
27TH JUNE
Page 75 of 193
Respected Sir,
Q1
For the time being, I am following
Yes your preparation is definitely on the wrong track because you are
only your Economy Courses,
spending 2 hours on newspaper Daily which is not required. That much
Geography and Optional. Even
exam-worthy news is not even coming daily news.
after 5 to 6 hours of unacademy live
classes , 2 hrs of Newspaper
reading and then revising whatever
How much to rely on the current affair PDF ?
i've learnt, I do not feel satisfied.
How much time to devote daily for current affairs ?
1.I am very confused whether I am
on the right track with my studies or

All these questions are covered in my slide 28 to slide 40in the following
not... At the end of the day I get
lecture
exhausted but still confused
whether it is enough for the day.

https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-
2. I wanted to ask you that, besides
cse/PL7KLWIX
live lectures and newspaper
reading, How many more hours

Q2. 30 to 40 hours weekly video watching is the “maximum ceiling”. If you
should I dedicate? while preparing
can understand something by just reading there is no need to watch video
for civil services . Please suggest
for it.
me what else can I do more to
27/06/2020 improve and retain and keep track

If you are targeting 2021 finish the syllabus / live courses in following
00:00:42 Rakshanda 1 8 of my studies. sequence
Page 76 of 193
Thank You so much Sir, For your 1. Optional subject (Because its faculty may not be available live for the
attention to my concerns whole year so you would benefit by asking the the doubts while it is
being done live) >Economy and polity (So you can understand their
current affairs in a better manner from newspaper)> (Environment
geography agriculture history-art culture Ethics)> and at last stage
Science Tech and current affairs.
2. Current affairs is not a separate subject it overlaps with the
traditional six objects that are Geography, environment, economy,
polity&IR, history, science technology. All the reputed teachers will
teach both the theory as well as current affair embedded within their
course itself. So this anxiety and Mania among the students ke
“Separately daily mereko 2 hrs current affairs krnaa hai”.... That
should come at a later stage. First prioriy for a first attempt student
should be to finish the core subjects.
- The level of optional subject papers’ difficulty in UPSC exam is little
higher than the bachelors’ degree (i.e. 3 years courses) and little
lower than the masters’ degree (i.e. 2 years courses).
As mark distribution in GS papers is - So, If you take up a subject which you have not studied in the
shrinking. Will taking mathematics graduation then it is going to take at anything between 4-8 months’
optional (if prepared properly) give preparation to gain mastery for it (Depending on how many hours
me an edge over people with other you are investing on it.)
27/06/2020 optionals? As one can score very - The notion that Humanities subjects like sociology public
02:53:23 Nitish Jain 1 8 high in mathematics. administration political science have overlapping with the general
Page 77 of 193
studies = so we should take them= It should not be your primary
consideration. Because hardly in one or two question of GS Mains
papers, you will get to you have the chance to show your your
optional mastery. Otherwise traditionally a lot of their subject matter
deals with thinkers, theory, philosophical concepts not related to
general studies. If you dislike reading such things then it will be
difficult for you to sit with the books for a long time.Then people
simply rely on the readymade coaching notes for optional subject,
while they help finishing syllabus fast’ but not always guarantee best
marks in the answer When the evaluators are looking for more death
then superficial bullet points .
- A known devil is better than an unknown Angel. So you have to
weigh how Comfortable you are with your maths/medical
science/engineering/commerce/B.Sc graduation subject. You may
be able to finish it much faster compared to selecting an unknown
optional subject Which you have not studied in graduation.
- On YouTube people will make all type of clickbait strategies like
“Take off Anthropology subject it has very short syllabus and you
can finish it within the three months By reading just 3 books”. But
Every subject has senior players who have studied more number of
academic books beyond ‘prescribed minimum list’, and prepared
more better quality of points and notes, to get more marks in mains.
Page 78 of 193
So, this whole craze of ‘short syllabus’ also Need to be taken with A
Pinch of salt.
- Only if you are very weak in your college graduation subject, and
want to explore some other optional subject then you may do so.
- At the end of the day there are toppers from every optional subject.
Once I met a topper with SINDHI Optional subject (Whom every
coaching wala advised that he should take traditional subject like
Political science sociology or public administration).
- If 200 candidates are appearing with law optional subject and only
20 are getting interview call then the remaining 180 are always going
to bad mouth that law is a bad subject. But, IS UPSC a rice
distribution scheme of Government ke Everyone standing in the
queue must get the 5 kilogram rice?
- To conclude
- 1) First priority select your graduation subject if you are comfortable
with it
- 2) If you are not comfortable with your graduation subject for the
graduation subject is not offered as a optional subject (e.g.
Computer engineering, pharmacy etc.) Then explore other subjects
- 3) Among those other subjects select the one in which you have
some interest So that you can sit with it for a longer period of time,
and some level of guidence/strategy/booklist is available.
Page 79 of 193
All these current affairs compilation draw the raw material from the same
source which is The Hindu newspaper. The only difference is Format of
Which CA compilation will be presentation, language used, Compression of the facts. To download all the
27/06/2020 better- Vision"s or unacademy free current affair PDF files glance over them and select one which you like
08:11:09 Shatakshi Rajput 1 8 articulate? better.
You have to do from 1/jan/2019.
- How to do last 2 years’ current affairs?
- How to finish the newspaper fast?
- How to make notes from newspaper ?
- How much to rely on the current affair PDF ?
- How much time to devote daily for current affairs ?
All these questions are covered in my slide 28 to slide 40in the following
lecture
Respected sir,I have to appear for https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-
2021 and from now I have to cover cse/PL7KLWIX
the current affair from July 2019 ,so
is vision ias monthly magazine will Current affairs PDFs are supplements but not substitute for the Newspaper
27/06/2020 DEEPAK KUMAR be good source to cover my entire reading. Which is required for building the clean vocabulary, grammar and
09:13:44 GUPTA 1 1 current affair of backlog portion? language proficiency for the essay paper
Page 80 of 193
Also observe the topic wise previous year question papers automatically you
will get the idea what type of information is more important and what is
useless. Then accordingly read or glance over the matter given in CA-PDF.
Sir,
In your last lecture, you have told
that 'investments' is considered as
assets of commercial bank of India.
My question is, 1. how investments
parking in companies can be an
asset for banks?
2. Is the dividend of profit which is 1. If a commercial bank has purchased the the bonds of a company
taxable to govt. also an asset for then it will generate interest for the bank so it is an asset
bank? How? 2. We learn about taxes in pillar 2
3. Fix deposits and Insurance of life 3. It is not necessary that the thing must be returned with profit. As long
27/06/2020 can be consider as investments as the thing needs to be returned it is liability for person who took it
09:27:58 Aastha 1 1 because it comes back with profit? from you.
Sir, in the ethics question given in Ideally write in first person.
the handout do we have to write the But you don't have to open every bullet point sentence with “I will do this, i’ll
answer in first person as it is do that”
27/06/2020 mentioned in the question "as the Simply on first statement “I will take following steps”
12:41:10 Nikita Singh 1 8 chairman" ? then simply write list of actions #1,2,3,4,5.
Page 81 of 193
Sir, in the ethics question given in
the handout do we have to write the
answer in first person as it is
27/06/2020 mentioned in the question "as the
12:41:24 Nikita Singh 1 8 chairman" ? Replied in the previous cell
27/06/2020 What is M0 in terms of measures of
12:49:22 Mohit Sethy 1 1 Money Supply? Learned in the 27th June lecture
Sir while discussing quiz you said People hoarded his previous ‘full bodied’ coins which were made of
Muhammad tuglaz issued token gold/silver.
coin if he issued token coin then Because his new ‘token coins’ contained bronze/copper, which is a cheaper
why would people hoard it . I think metal.
27/06/2020 instead of bronze silver was right . Statement which says he issued full bodied coins of bronze is a Wrong
16:23:04 Moji 1 1 Little doubt sir statement.
Sir while discussing quiz you said
Muhammad tuglaz issued token
coin if he issued token coin then
why would people hoard it . I think
27/06/2020 instead of bronze silver was right .
16:23:14 Moji 1 1 Little doubt sir Replied in previous cell
Page 82 of 193
Sir while discussing quiz you said
Muhammad tuglaz issued token
coin if he issued token coin then
why would people hoard it . I think
27/06/2020 instead of bronze silver was right .
16:23:19 Moji 1 1 Little doubt sir Replied in previous cell
Sorry sir I was wrong little
confusion my doubt cleared that
token vs full bodied I have not read
27/06/2020 history my concept was not clear
16:31:00 Moji 1 1 thanks sir Thank you
Sir you have mentioned M0 in
measure of money supply section At the end of the 25th june lecture, I had said that in the next lecture we will
27/06/2020 unacademy-user- in the handout. Is there something learn about m0 and money multiplier and we have done that Accordingly in
16:39:27 QJV0W4T3XTZP 1 1 like that? the 27th June the lecture
Sir, when bitcoin is working on - You can use C++ programming language to create a powerpoint
block-chain technology which software and a virus. That doesn’t mean powerpoint software can kill virus.
enable us to trace the changes i.e, Similarly you can use the blockchain technology to create various
new entry in the existing data, type of applications for cryptocurrency and database storage. But it is not
27/06/2020 transfer etc then why can't we trace necessarily that same thing can be used for tracing the Transactions of
16:42:03 Krishna 1 1 bitcoin currency ? cryptocurrency. Yes in the long run some computer engineers may do it but
Page 83 of 193
we are here to prepare for the present scenario which we have prepared in
the lecture and handout.
Sir, in your handout there are lots of
"YEAR" mentioned. For
event/launched/buget/proposal etc.
Do I need to remember years, for
instance
2020 RBI launched MANI app
NCMC 2019 Or sometimes like until
2019 like this type of timeline. Do i
need to remember the Year of
buget exactly bcz there are so
many bugets given in handout. Of
course year of Acts and
committee's set up year I do
27/06/2020 remember. - You need to have rough of idea of the chronology ‘x came first, y
17:38:49 Raina chanu 1 1 came later’.
27/06/2020
17:55:50 Yoomi lee 1 8 Good evening sir - NCERT+ std books completion
Page 84 of 193
I seen your video that we should
start answer writting after
completion of syllabus. But i have a
doubt that if we should answer
writting after completion of ncert or
before std. Books or after ncerts
and completition of standard books.
Sir I am going to appear for upsc
cse 2022. I have recently joined
your classes for the very first time. What to read for economy in addition of my PowerPoint and handouts?
If I prepare my economy part only I have addressed this query sufficiently at the lecture 1’s slide 97 to 106
from your lectures and weekly itself. Please re-watch the recorded session at
handouts ,. Is this sufficient for me? https://unacademy.com/class/economy-introduction-faq-about-course-upsc-
27/06/2020 Because I want to keep my prep/JDQMR3FR
18:23:14 Purva 1 8 resources very limited.
Greeting of the day sir! - The level of optional subject papers’ difficulty in UPSC exam is little
I am from commerce background higher than the bachelors’ degree (i.e. 3 years courses) and little
completed recently my graduation lower than the masters’ degree (i.e. 2 years courses).
and pursuing my masters in - So, If you take up a subject which you have not studied in the
27/06/2020 commerce. Sir as optional subject I graduation then it is going to take at anything between 4-8 months’
18:29:51 Hetal badiyani 1 8 wanted to take commerce as I am preparation to gain mastery for it (Depending on how many hours
Page 85 of 193
good in college for commerce but I you are investing on it.)
did not found any top educators - The notion that Humanities subjects like sociology public
and it is impossible for me to administration political science have overlapping with the general
calculate big figures orally without studies = so we should take them= It should not be your primary
calculator. So I thought of taking as consideration. Because hardly in one or two question of GS Mains
an optional subject public papers, you will get to you have the chance to show your your
adminstration or sociology. Will you optional mastery. Otherwise traditionally a lot of these optional
please suggest me better option subject matter deals with thinkers, theory, philosophical concepts not
both are new for me. Thanking you related to general studies. If you dislike reading such things then it
sir in advance. will be difficult for you to sit with the books for a long time.Then
people simply rely on the readymade coaching notes for optional
subject, while they help finishing syllabus fast’ but not always
guarantee best marks in the answer When the evaluators are
looking for more death then superficial bullet points .
- so, If you are comfortable with commerce as an optional subject
because it is your graduation subject then there is no harm in taking
it. If you are not comfortable with commerce as an optional subject
Page 86 of 193
then you can explore public administration (Which has overlapping
parts with commerce B.Com subjects such as organisational
behaviour motivation theory leadership etc.) If not comfortable with
public administration then you can explore other subjects such as
sociology, political science etc.
- Commerce is a good optional subject, If you are comfortable with it
you should take it. It is not compulsory that you must take coaching
online or offline for a optional subject. the primary requirement is
that you must know what exactly is “what to read and what to skip”.
- See Previous toppers’ Strategies may be available at
- Unacademy is continuously onboarding new educator's for the the
optional subjects as well in future there could be teachers in this
commerce subject as well.
- Further I have also suggested to the company that good number of
students are interested in commerce optional so company should
actively find the teachers sooner.
Sir, Pranam - You will unnecessarily end up spending a lot more time in making
Sir I write down the notes in a copy handwritten notes. Better just print them and revise them often. That
27/06/2020 which you provide , because I way whatever time is saved you can invest it in the other parts of
18:38:45 Deepsikha Panda 1 1 simply believe that writing the notes general studies
Page 87 of 193
are more helpful than to print out
the notes..
Is it right to write yourself? Or I
have to print out the notes?
M1 and M2 are called Narrow money. Because of their smaller size (since
they only cover demand deposits)
M3 and M4 are called broad money, because of their relatively larger size
than M1 and M2.
Sir, In the Measures of money since they are given in the NCERT so we have to prepare. It is not some
27/06/2020 supply Table, what is narrow and great thing that is going to be asked in the mains exam that we have to
18:46:02 Shruti 1 1 broad money ? spend more time than that 1 word association.
Sir I need all the great IAS officers
stories who have faced odd
challenges and had succeeded in First attempt-wall candidate’s first priority should be to finish the core subject
their work(case studies) do we syllabus.
27/06/2020 have any resources for that? If After you are done with that you can explore such peripheral things on
18:56:01 Shiva Kumar Allam 1 8 yes... please suggest me Google search.
27/06/2020 Sir I am a very hardworking

19:04:10 Shiva Kumar Allam 1 8 person...and I need a great mentor sequence
Page 88 of 193
to be the fuel that adds the fire... 1. Optional subject (Because its faculty may not be available live for the
please guide me...give me daily or whole year so you would benefit by asking the the doubts while it is
weekly assistance and
assignments...I'll just show you the
results...My time table is like (3am-
7am...9am-2pm....3pm-9pm=13hrs) 2. one should not spend more than 30 to 40 hours a week watching
I need the most qualitative work to lectures remaining time should be spent in actually reading the
be done in this precious time..I books and study material (minimum reading list list is mentioned on
believe in you and only in you and the page 1 of your handout)
3. Other things about strategy and time management are Covered in
Sidharth Arora sir...I have
my “Comprehensive Strategy 2021” video during Unacademy
completed NCERTs and polity ...So
Summit. Please watch it at following URL:
please tell how my day should be
and give me assistance and cse/PL7KLWIX
assignments...
You are my last ray of hope..
Thank you sir.
Sir maine bsc complete kiya hai
2018 me aur mai ek saal fail bhi rah - There is no need to worry about this. Plenty of toppers with similar
chuka hun uske baad se maine profile have cleared in the past.
aagye koi course ya degree ke liye - UPSC interview is not like a MTV Roadies interview where they’ll do
27/06/2020 apply nhi kiya mujhe 2021 me ‘ragging/humiliation of you’- “What were you doing for this many
19:30:36 Saurabh singh 1 8 attempt krna hai if i clear mains years? Kyo fail hue the”.
Page 89 of 193
then interview 2022 me hoga 2018 - The fact is Only 15% of the candidates are clearing the UPSC exam
to 2022 4 saal ka gap rhega in first attempt meaning 85% of toppers are those who’ve apeared
interview me possibility hai is pe multiple times. UPSC interview panelists are very much aware of it
swaal kiya jaye ..sir mujhe kya krna that because of the level of competition in all the competitive exam it
cahiye aap suggests kro sir aur is not uncommon to see Candidates with 4-5 failed attempts. They
mera ek saal failure interview me do not drag the interview questions on that part.
impact krega kya? Kya mujhe kisi - As far is joining of some course is concerned, You can enroll for post
course me enroll kr lena cahiye ? graduation courses as an external student from IGNOU, Amedkar
Uni. etc. so that It may help you in some carrier backup
Sir maine bsc complete kiya hai
2018 me aur mai ek saal fail bhi rah
chuka hun uske baad se maine
aagye koi course ya degree ke liye
apply nhi kiya mujhe 2021 me
attempt krna hai if i clear mains
then interview 2022 me hoga 2018
to 2022 4 saal ka gap rhega
interview me possibility hai is pe
swaal kiya jaye ..sir mujhe kya krna
27/06/2020 cahiye aap suggests kro sir aur
19:30:45 Saurabh singh 1 8 mera ek saal failure interview me Replied in the previous cell
Page 90 of 193
impact krega kya? Kya mujhe kisi
course me enroll kr lena cahiye ?
Hi Sir, In the 2nd handout it is
mentioned as "The amount of
money held in cash form vary
inversely with interest rates". How
can a person earn interest by - If Person has ₹100
keeping cash. One scenario is - before : SBI offered 6% interest on savings account (SA). so he
lending. Are you referring to lending kept 10 in hand 90 in SA.
here? How can money vary - Later: SBI reduced interest rate to just 2.**% interest on (SA). Now,
27/06/2020 inversely in that case? Please he may prefer to keep 20 in hand and 80 in SA. Better I just enjoy
19:51:39 muzammilkhan1992 1 1 explain. Thanks for your time. life by spending the money.
Sir for subjects like Indian Art and
Culture (Nithin Singania) and
Environment (Shankar Ias) are the
marathons made by Rahul
Bhardwaj sir in YouTube Marathon lectures only give you an overview of the topic there are many
enough...Or should we have in facts which are given in the books but not covered in the class because
27/06/2020 depth study for these subjects paucity of time.
20:37:13 Shiva Kumar Allam 1 8 also.. So such video is a supplement but not the substitute of the original book.
Page 91 of 193
I have bought your PYQ book by
Disha publications. Do I still need to In that case you can refer to the list of question given in the book as it is
27/06/2020 refer to the website Mrunal.org for much more convenient to read on paper, than reading on a computer screen
20:58:47 Rik Nag 1 8 questions & their answers? of website.
What to read for economy in addition of my PowerPoint and handouts?
I have addressed this query sufficiently at the lecture 1’s slide 97 to 106
Sir i am just following the handouts itself. Please re-watch the recorded session at
and classes provided by you . Is https://unacademy.com/class/economy-introduction-faq-about-course-upsc-
27/06/2020 anything else required to be done prep/JDQMR3FR
20:59:27 Ashish Sharma 1 8 from my side for economics?
- First you should find whether statements are individually correct or
hello sir, assertion reason wale not. Accordingly eliminate C and D option.
27/06/2020 question ko decode kase kare, har - If both statements are correct only then you start thinking whether
21:06:11 shiv kumar 1 8 subject ki dikkat h the R explains → A, without cooking Birbal Khichdi.
sir apne ji pillar 1 me 1 case study
krne ko diya tha.. wo handout - https://unacademy.com/course/mrunals-economy-full-course-for-
mujhe nhi mila??/ case study kaha upsc-prelims-mains-2021-507/QTOO36CS
se milegi? please help sir, apke - Goto above link, Click on updates tab → Side bar will open from the
27/06/2020 updated handout me bhi show nhi right side → you can download the PDF files
21:10:13 divya raj 2 1 ho rha.. Am very confused plz sir - Case study is given as question 5 on page 26 of first handout.
Page 92 of 193
tell kaha se milega page 26 wala
handout??
thank you sir
sir rbi naye note print karke govt ko Ultimately Government will pay borrowed money to someone - In the form of
dega wor un purchaesd securities salaries subsidies scholarship payment for building roads and buildings →
27/06/2020 to uska market me liquidity ya And those people will go and spend the money so if there is not sufficient
21:13:35 shiv kumar 1 1 inflation me koi farak padega kya onions/commodities in the market there could be inflation
FD ko collatral mai use kr sakte hai
27/06/2020 to uski liquidity saving account se Because you have to fill up the forms, Get approval from the bank. Chutki
21:16:26 garvit shrivastava 1 1 km q hai? bajaake nhi milti. Unlike Savings account, you can easily withdraw money.
Sir can you explain the concept of
how gov. prints their security and
gave to RBI for money to be given
to government. I am not able to Explained in this lecture
understand it also I am in 11th https://unacademy.com/class/economy-pillar1a2-monetary-policy2-
class so how much should I gave quantitative-tools-crr-slr-repo/SE011IEP
time to ECO for UPSC prep or just
27/06/2020 read NCERT. My economy course also covers those economy NCERTs, so separately no
21:21:59 Yash Noonia 1 1 Thank you sir need to read for it.
27/06/2020 Shivangi singh Have to attempt 2020 so wanna - Yes you can watch the previous lectures and yes you can ask the
21:26:19 4124 2 7 see your previous lectures for 2020 question through this Google form
Page 93 of 193
economy in hindi but there is no
scope to ask questions so may i
ask through this batch? And is that
r sufficient for 2020 or should i join
this 2021 batch... Actually it's taking
too much time like ending on sept...
Pls suggest asap
This question is specifically answered in a slide of following lecture
https://unacademy.com/class/economy-pillar1a2-monetary-policy-i-money-
27/06/2020 how is Re 1 both asset and liability supply-m0-m4-money-multiplier-crr-slr/89TUAVFB
21:37:51 shivam kasana 1 1 to RBI
sequence
1. Optional subject (Because its faculty may not be available live for the
whole year so you would benefit by asking the the doubts while it is
27/06/2020 Sir I'm facing issues in time
21:43:54 Apurva Trivedi 1 8 management please help me out teach both the theory as well as current affair embedded within their
Page 94 of 193

3. one should not spend more than 30 to 40 hours a week watching
lectures remaining time should be spent in actually reading the
books and study material (minimum reading list list is mentioned on
the page 1 of your handout)
4. Other reasons why people unable to find time is because they spend
two hours reading the newspaper, they make a necessarily notes
from books which are already present in the format of revision notes
(e.g. LAxmikanth), They watch videos of things which can be easily
understood by simply reading the book
Further matters Covered in my “Comprehensive Strategy 2021” video during
Unacademy Summit. Please watch it at following URL:
cse/PL7KLWIX
Media and opposition parties keep complaining that people are dying of
sir please explain m1,m2,m3,m4. Hunger during the coronavirus lockdown because they’re not getting any
I'm not able to understand from food. so what should government do? First government will find the data
27/06/2020 class and even after watching related to how much kilogram rice and wheat is available in its store houses
21:44:13 thalua 1 1 recording and how it can distribute it to the poor people.
Page 95 of 193
Similarly RBI will have to first find out how much money is there in various
parts of the economy and then how to increase or decrease its supply to
address the problems of GDP growth and inflation and deflation. So they use
scales such as M1,M2...
I have addressed this query sufficiently at the lecture 1’s introductory part
itself. Please re-watch the recorded session at
https://unacademy.com/class/economy-introduction-faq-about-course-upsc-
27/06/2020 Respected sir, how can I start my prep/JDQMR3FR
21:44:47 Chhavi Chouhan 2 7 economic? I give exam in 2020
This handout is continuously updated on weekly basis during the progress of
the lecture. So I cannot provide everything to you right now in advance, with
the hectic schedule wherein i’ve to conduct classes 4 days a week, and then
devote an entire day or two answering to google form querries.
Sir pls provide all the pdf together If you’re very eager, You can download the older batches handout from
so that make print out together https://unacademy.com/course/comprehensive-course-on-economy-for-
..otherwise will have to outside upsc/FAYJEWDZ
27/06/2020 again and ...it's covind time ..you And then follow Win20CSP series available at
21:45:26 Santosh Mondal 1 7 can understand https://mrunal.org/download#Win20CSP
Page 96 of 193
SIr, while practicing the mains
answer questions in your handout,
should we set a time limit for
answering them like you gave in Of course you need to do it in a time limit .
27/06/2020 class, or simply write with no time 150 words= about 7 minutes
21:46:57 Anirup 1 8 limit? 250 words= about 12 minutes
As RBI is circulating money in
proportionate with it's assets, how
come the circulated money become
it's liabilities? Here, RBI is not - Because RBI Governor has promised to exchange your currency
27/06/2020 borrowing any money, it is notes With other notes and coins of equal face value. So it is his
21:47:23 Sagar Naik 2 1 circulating that's why confused. liability
Sir from which book I have to
practice mcq for prelims and sir I - Disha prelim paper contains previous years topicwise papers.
get feared from answer writing Alternatively you can see MCQs on Mrunal.org/prelims
27/06/2020 because I'm just started my - Answer writing doubt:
21:47:24 Apurva Trivedi 1 8 preparation . https://www.youtube.com/watch?v=htcu1I2PAtk&t=866s
Sir, I had a question regarding - A lot of the savings of people are locked into time deposits, Which
CBDC. they will not withdrawal on day-to-day basis. So accordingly the
27/06/2020 When an organisation (like RBI) central bank will work out the Trends of M1, M3 and Currency
21:54:55 Suryansh Singh 1 1 sends digital money to various deposits and withdrawals to print currency as and when required.
Page 97 of 193
institutions and it trickles down to - Further, government may also impose some tax on people withdraw
the common people, into their bank currency from Bank (Which will automatically described the people to
accounts, if they decide to get it in use cash)- this was done in India we will learn about it in pillar two.
cash form using ATMs wouldn't it
create an imbalance as there is no
physical money which has been
actually printed for that particular
money and ultimately RBI would be
compelled to print it as it would
create a pull on their system?
I understand your agony. About the comment box matter I have stated my
standpoint in lecture1. -
1. There is a button in the student side of the web portal where you can
close the chat box. Then only the slide and My Webcam stream will
be available to you and you can use the mouse cursor to move the
webcam window around the slide
2. ignore chatbox chatting. whatever doubt you have, please ask me
here in this Google form.
3. I don’t close the chatbox, but I keep an eye on it because if suddenly
my audio or video is not coming properly due to any technical
27/06/2020 Sir I request you to please block issues, then I will get some idea based on the chatter of students.
21:58:39 Simran Parsani 1 8 comment section during class. Then accordingly I can call the Technical team. I don't usually react
Page 98 of 193
to individual comments because if I start doing that then we cannot
finish the syllabus in time.
4. If someone is harassing /trolling you in the chat box, then complaint
to help@unacademy.com
5. My lecture is such that both senior and fresher students attend it in
good numbers so many times, there could be some fresher student
who need some simple information about something. And he would
post some questions which other students could reply to him during
the break time. Many a times students announce that they are
creating Telegram group for a specific optional subject and ask other
people join it. I see all such parallel chatting is going on in my class,
but I am not reacting/restricting it because as a teacher I am
supposed to keep a big heart.
6. A few bad apples doesn’t mean Entire batch is full of such people.
Yes for the first few lectures you may feel that too much nonsense is
going on in the chat box but eventually such non serious people will
stop coming once their initial enthusiasm about IAS preparation is
over.
As far as my lecture is concerned you don’t have to make notes, Because
27/06/2020 Sir From where should I make the handout itself is revision note.I have taken that effort so that your time is
21:59:36 Sandeep msihra 1 1 notes from handouts or lecture saved (in not having to make notes) and so, you can invest it in other parts
Page 99 of 193
of general studies subjects. Ultimately that is the objective of speed
coaching class → to “save” your time.
Watch the video only once. Keep only having some doubt then rewatch
video or see its powerpoint.
Revision of my economy handout three times, at minimum
1st time = chapter revision Before the weekly quiz
2nd time= whole handout Before the grand quiz at the end of my course
3rd time = whole handout, 2 weeks before the official UPSC prelims
I do not make any false marketing claim that UPSC will not ask anything
outside of it. UPSC examiners are known for their Unpredictable
temperament, They will definitely ask some questions which we have not
studied in the class- this holds true for every subject! But then again cut off is
never 200/200, So we never put excessive amount of efforts in a single area.
What to read for economy in addition of my PowerPoint and handouts?
I have addressed this query sufficiently at the lecture 1’s slide 97 to 106
itself. Please re-watch the recorded session at
https://unacademy.com/class/economy-introduction-faq-about-course-upsc-
prep/JDQMR3FR
27/06/2020 Sir, I am a kid to economy, I have A journey needs to be started no matter how afraid you are.
22:01:27 Subham Adhikary 1 7 lot of fear for this subject, as i don't
Page 100 of 193

know how to proceed and prepare Sit in the class, watch the lecture, revise the handouts, appear in the quiz,
for it and note making and revise. and over the period of time you will become capable for handling the
Language for this subject is weak, economy.
as less terminology is known to me,
i am a biology background
graduate. optional history. any
suggestions. how to benefit from
your class?
sir, you said that govt. keeps 115 cr
as gold and no limit for foreign
securities. But as we follow
minimum reserve system the
minimum limit to keep foreign
27/06/2020 securities is 85 cr. Which of these is
22:21:25 Akshita 1 1 to be considered? We will learn about the minimum reserve system in third pillar
M1 and M2 are called Narrow money. Because of their smaller size (since
they only cover demand deposits but not time deposits)
M3 and M4 are called broad money, because of their relatively larger size
27/06/2020 What is Narrow money and Broad than M1 and M2.
22:31:13 Poonam Bharti 1 1 money??
Page 101 of 193

since these terms are given in the NCERT so we have to prepare. It is not
some great thing that is going to be asked in the mains exam that we have to
spend more time than that 1 word association.
M0 is the original money issued by RBI, based on the size of its assets.
How it is issued we have learnt in the 27th June lecture, please re-watch
again without overthinking. These are just a single line formulas that you
27/06/2020 have to memorize. People start to get confused only when they start
22:32:32 Apurva Trivedi 1 8 Sir I get confused in m0 overthinking it like the Kohli's wedding photo.
sir in multiple money why we only In the 27 June lecture on money multiplier
consider crr and bank also hai to https://unacademy.com/class/economy-pillar1a2-monetary-policy2-
keep for other purpose like slr and quantitative-tools-crr-slr-repo/SE011IEP
other priority sector lending which
27/06/2020 he cant give loans on why are There are some slides where a person with White hairs is holding a big
22:33:02 shivam kasana 1 1 these not considered camera and taking photo frames please listen to the things I have said there.
Currency notes read “I promise to pay the bearer on demand sum of….”We
had learnt its meaning in the second lecture.
Ques 1(@ShubhamShriva-2371). If
any money deposited in foreign If Tom Cruis or Jackie Chan goes to RBI with a ₹2000 note, Governor is
banks by Indian banks/public so legally bound to exchange his notes with other Indian notes and coins of
27/06/2020 @ShubhamShriva- does such money also be equal face value e.g. 500x4 or 100x20.
22:33:33 2371 2 1 considered as RBI liabilities??
Page 102 of 193

So whether the Indian currency is is in the pocket of a foreign Bank, Indian
Bank, Indian citizen, Pakistani citizen, that is of no consequence, As far as
RBI liabilities concerned, RBI governor is duty bound to honor it.
SLR= Cash /gold /government security and other securities approved by RBI
27/06/2020 Can banks buy Foreign securities so if RBI adds Foreign securities in the approved list of SLR quota
22:46:36 Akhil Sagar 2 1 as SLR quota securities? securities, then answer is yes.
Does mrunal.org contain topic wise
quiz questions for geography?I am Mrunal.org/prelims Contains over 1000 questions for the prelims.
studying geography as well but i am however I have not created large amount of questions on Geography
27/06/2020 PRIYANKA not able to find set of question because more number of questions come from environment portion in
22:59:03 SRIVASTAVA 1 8 papers to practice.Can you help? UPSC, so proportionately I have created more questions for environment
Because then Philip Curve’s unemployment problem will come.
Ref slide 91:
27/06/2020 Sir, in monetary policy targets, Why https://unacademy.com/class/economy-pillar1a2-monetary-policy2-
23:11:45 Sameer 1 1 inflation cannot be below 2 % ? quantitative-tools-crr-slr-repo/SE011IEP
Optional subject courses are unlocked with your subscription at


27/06/2020 which onlie coaching would you
23:24:06 rohit singh 1 8 recommend for maths optional
Page 103 of 193

Q1.
1. If you are targeting 2021 finish the syllabus / live courses in following
sequence
whole year so you would benefit by asking the the doubts while it is
teach both the theory as well as current affair embedded within their
1. what should be a routine of should be to finish the core subjects.
begginer? 4. one should not spend more than 30 to 40 hours a week watching
2. if RBI gives the coins to lectures remaining time should be spent in actually reading the
commercial banks for circulation books and study material (minimum reading list list is mentioned on
27/06/2020 the what about that cons are the page 1 of your handout)
23:24:33 meharrayees 1 1 mentioned as asset in RBI?
Page 104 of 193

Q2
Liability because when those banks bring back those coins and ask RBI to
exchange with other notes RBI will do it
1. Sir In case of FD withdrawing
money before specified time will 1. The rules on penalty differ from bank to bank such banking gk is not
lead to cut penality amount from the important for the scope of UPSC. While you can satisfy your curiosity by
amount that person has deposited doing the Google Search on the matter but I would not consider it to be the
initially or from that amount (which best use of your time as far as UPSC prep is concerned.
person deposited+ Interest which
person supposed to get after
completion of FD time period ) 2. M2 = currency + (Demand deposits in the banks and post offices) whereas
2.Sir why is the liquidity of M3 is Whereas M3 considers M1 + time deposits in banks. Time deposits are
less than M2 ? as in case of M2 considered to be less liquid than demand deposit.
demand deposit of Post Office is
considered and in M3 time deposit 3.
of Bank , sir how is the liquidity of M1 and M2 are called Narrow money. Because of their smaller size (since
time deposit of Bank is less than they only cover demand deposits but not time deposits)
Demand deposit of Post office?
3. sir is "Narrow Money" name M3 and M4 are called broad money, because of their relatively larger size
27/06/2020 signifying the lesser quantity of than M1 and M2.
23:27:55 Srishti Singh 1 1 investment/money?
Page 105 of 193

since these terms are given in the NCERT so we have to prepare just 1 word
Thank you sir association, without going in the etymology.
1. If the bank does not keep the CRR then RBI will impose penalty on
1.Why a Bank don't save it's it. And ultimately cancel licence of the bank if they keep repeating
CRR?? this mistake
27/06/2020 2.inflation & deflation plz elaborate 2. Inflation means increase in the price level of the goods and services.
23:36:09 Sripad padhiary 1 1 sir Deflation is the reverse. More in pillar4
- The money that has been issued by RBI, remains the liability of the
RBI irrespective of decrease in the Asset side. For example if you go
back to RBI with the 2000 rupee note → governor is legally bound to
honour the “I promise to pay the bearer….” thing By exchanging your
SIr, If After printing money if assets currency note with other coins and currency of the equal face value,
of RBI decreases due to any even if someone stole all his gold/g-sec from RBI asset side in a
reason then can RBI reduce Hollywood movie style robbery. So what will he do then complaint to
circulation of money to balance with the police? request the government to provide him assets or ask for
27/06/2020 its liabilities or RBI will increase its a reform in law?…. those are the overthinking questions outside the
23:36:22 Abhishek Kumar 1 1 assets accordingly.?? photo frame of what is important for UPSC.
27/06/2020 "Scheduled Commercial banks may Reduced SLR → more loanble funds available → bank may reduce loan
23:36:27 Reshav Gupta 1 1 cut their lending rates when SLR interest rates to attract customers.
Page 106 of 193

rates are decreased by govt. " sir
please can you explain this For more, Watch the slide number 96 again
statement.
https://unacademy.com/class/economy-pillar1a2-monetary-policy2-
quantitative-tools-crr-slr-repo/SE011IEP
This is sufficiently explained in the money multiplier lecture itself.
https://unacademy.com/class/economy-pillar1a2-monetary-policy2-
27/06/2020 how CRR assist in money multiplier quantitative-tools-crr-slr-repo/SE011IEP
23:36:52 @rajatrocks2v 2 1 effect ? written in handout page 33
27/06/2020 In case of hyperinflation, increasing Too much rise in CRR = Loans will become very expensive then it will be not
23:37:01 Ayush Pandey 1 1 CRR very high help to maintain it? good for the farmers student education loans poor people and middle class.
Theoratically: as inflation rises=you’ve to increase CRR to control it.
Suppose there is very poor monsoon and because of that onions shortage in
Sir ,CRR = 1/R so,is it same if i say market and there is higher level of inflation.
CRR = 1/inflation ??This part is not
27/06/2020 clear sir please can you explain me RBI can increase the CRR to address the problem. But ultimately farmers
23:37:09 Antaria Nag 1 1? will have to plants new onions or we will have to import onions from Egypt.
27/06/2020 Sir, I have two questions: 1)Are 1. Theoretically yes because to acquire those forex assets, RBI would
23:37:13 Ishita 2 1 FOREX Reserves also included have issued rupee currency to someone. But as far as the list is
Page 107 of 193

under the assets of Issue Dept? 2) concerned we should follow NCERT-walla asset list which is given in
Is CRR counted on Total DTL or your hand out
NDTL ? 2. CRR counted on NDTL at present. Previously computation method
was different but such banking gk not important for UPSC exam
While studying Philip curve, you
explained that if we have deflation,
then unemployment would
increase. So, can we also say the
other way round that if
unemployment increases, the
demand decreases and hence
results in deflation.
27/06/2020 (Asking this for solving questions of
23:37:15 Apurav Mahajan 1 1 the type A -> R) We’ll learn that in pillar#4
Sir can u please add more mcq’s We are having the weekly quiz.
after the class apart from which are I prepare the quiz based on how much is relevant for UPSC revision and
done in class! It will be really helpful understanding.
27/06/2020 nd will help in getting more clearity Maar peet ke if i try to design 100 MCQs every week, They will become bank
23:37:33 Bhavya Kumar 1 8 that how to attempt question ..... plz clerk level MCQs.
Page 108 of 193

What I am going to teach in economy for prelims and mains? I have
addressed this query sufficiently at the lecture 1’s itself. Please re-watch the
recorded session at
Sir aap mains Ke syllabus Ke kaun
27/06/2020 kaun si terminology teach krenge... https://unacademy.com/class/economy-introduction-faq-about-course-upsc-
23:37:50 Ajey 1 8 Plz tell so it became more clear prep/JDQMR3FR
27/06/2020 Sir, can state government issue
23:38:15 Ayush Pandey 1 1 government securities? yes.
Yes.
● [Answerekey] UPSC Pre19: Overall Impressions: Less Tough Less
Lengthy Less CA than 2018, & Solution to Geography MCQs
● [Answerkey] UPSC Prelim-2019: Environment & Agriculture.
Intl.Org’s ‘About Us’ Lunacy over, Guessmaster-giri receding, R&D
Sir do you have frequency table for Prem-resurfaces.
prelims for subject like ● [Answerkey] UPSC Prelim-2019: Polity & IR solved with
history,polity,geography on your Explanations & Analysis.Slightly easier than last year, PolSci
website like you gave in economy, Abstract-Prem continued
topic wise so that can get to know ● [Answerkey] UPSC Prelim-2019: Economy is relatively easier than
which topic is more important in last year, No Budget-Taxation FancySchemes or Apps
27/06/2020 other subjects also. It will help in ● [Answerkey] UPSC Prelim-2019: History & Culture, All Sets with
23:38:39 Jarvis 2 1 preparation. Thanku sir Explanations, Analysis. Tougher but Less Lunatic than last year.
Page 109 of 193

● [Answerkey] UPSC Prelim-2019: Science-Tech, All Sets with
Explanations. ICT & Biotech-Prem continued, ISRO se breakup,
Difficulty raised
- The level of optional subject papers’ difficulty in UPSC exam is little
higher than the bachelors’ degree (i.e. 3 years courses) and little
lower than the masters’ degree (i.e. 2 years courses).
- So, If you take up a subject which you have not studied in the
graduation then it is going to take at anything between 4-8 months’
preparation to gain mastery for it (Depending on how many hours
you are investing on it.)
- The notion that Humanities subjects like sociology public
Sir, administration political science have overlapping with the general
I am a MD student mainly targeting studies = so we should take them= It should not be your primary
2022 CSE. I am having some consideration. Because hardly in one or two question of GS Mains
difficulty in deciding my optional papers, you will get to you have the chance to show your your
subject, as previous toppers talk optional mastery. Otherwise traditionally a lot of these optional
about Medical Science being too subject matter deals with thinkers, theory, philosophical concepts not
lengthy and difficult to revise in the related to general studies. If you dislike reading such things then it
end minute, in comparison to other will be difficult for you to sit with the books for a long time.Then
27/06/2020 small subjects like Anthropology. people simply rely on the readymade coaching notes for optional
23:40:07 Suraj 1 8 What should I do? subject, while they help finishing syllabus fast’ but not always
Page 110 of 193

guarantee best marks in the answer When the evaluators are
looking for more death then superficial bullet points .
- On YouTube people will make all type of clickbait strategies like
“Take off Anthropology subject it has very short syllabus and you
can finish it within the three months By reading just 3 books”. But
Every subject has senior players who have studied more number of
academic books beyond ‘prescribed minimum list’, and prepared
more better quality of points and notes, to get more marks in mains.
So, this whole craze of ‘short syllabus’ also Need to be taken with A
Pinch of salt.
- Only if you are very weak in your college graduation subject, and
want to explore some other optional subject then you may do so.
- At the end of the day there are toppers from every optional subject.
Once I met a topper with SINDHI Optional subject (Whom every
coaching wala advised that he should take traditional subject like
Political science sociology or public administration).
- If 200 candidates are appearing with law optional subject and only
Page 111 of 193

20 are getting interview call then the remaining 180 are always going
to bad mouth that law is a bad subject. But, IS UPSC a rice
distribution scheme of Government ke Everyone standing in the
queue must get the 5 kilogram rice?
- To conclude
- 1) First priority select your graduation subject if you are comfortable
with it
- 2) If you are not comfortable with your graduation subject for the
graduation subject is not offered as a optional subject (e.g.
Computer engineering, pharmacy etc.) Then explore other subjects
- 3) Among those other subjects select the one in which you have
some interest So that you can sit with it for a longer period of time,
and some level of guidence/strategy/booklist is available.
This handout is continuously updated on weekly basis as we the progress in
the lecture. So I cannot update and upload all handouts to you right now in
SIR HANDOUTS 2 - 3 JALDI advance, with the hectic schedule wherein i’ve to conduct classes 4 days a
UPDATE HO SAKTE HAI TAKI week, and then devote an entire day or two answering to google form
HAM PRINTOUT NIKAL KE 2-3 queries.
27/06/2020 RAKH DE BECAUSE OF CORONA Therefore I have advised before that no need to take print out until covid
23:40:13 VIKAS YADAV 1 1 FEAR nothing is over.
Page 112 of 193

If you’re very eager, You can download the older batches entire sets of
handout from https://unacademy.com/course/comprehensive-course-on-
economy-for-upsc/FAYJEWDZ
And then follow Win20CSP series available at
https://mrunal.org/download#Win20CSP
hello sir...
sir what if gov/RBI give surplus
amount to farmer's from which they
can buy the fertilizer's and all which
helps to increase in production
instead of giving the money in the
hands of people which leads to
INFLATION because of lack in
supply. But the fertilizer company owner will get money they will spend it in the
27/06/2020 sorry sir if its a silly question. market to buy kaaju-baadaam and bata shoes. if there are not in
23:41:45 rachna singh 1 1 THANK YOU SIR commodities in the market, inflation will come.
Sir What is G-security or T- bill
which government give to RBI to
borrow money/ 1. G-sec, t-bill Sufficiently explained two times 1) in 27th june lecture 2)
27/06/2020 in op.twist lecture on 29th. If still not understood then wait for pillar
23:45:08 Ajay Yadav 1 1 1C where again we will see that
Page 113 of 193

Sir, Why Commercial bank dose 2. Banks need to send the CRR to RBI. So it is kept inside RBI’s
not maintain CRR like SLR? office/vault. whereas SLR ki gold/g-sec = banks keep it in their own
office/vault.
3. In RBI’s office/vault.
Sir Where RBI keep their asset.?
What are Government G-sec, t-bill Sufficiently explained two times 1) in 27th june lecture 2) in
Securities(G-SEC)? Can you op.twist lecture on 29th. If still not understood then wait for pillar 1C where
please provide some examples and again we will see that Government issues that to borrow money and they
27/06/2020 Parvathy how can it be considered an asset? will pay principal and interest to the holder of such government securities
23:47:26 Nandakumar 1 1 Thank you. therefore in the hands of the holder it is an asset
नमस्ते सर !! मैंने इसी वर्ष अप्रैल से तयारी
sequence
शुरु है। मैंने अभी तक(3 महीने में ) ससर्ष एक
geography(physical ,indian ,world ) whole year so you would benefit by asking the the doubts while it is
subject का course complete ककया है। being done live) >Economy and polity (So you can understand their
कृ पया मुझे सही startergy बताये , सिससे current affairs in a better manner from newspaper)> (Environment
मैं एक सनसित समय में अपने सारे geography agriculture history-art culture Ethics)> and at last stage
subjects complete कर लूँ। या कर्र
ककतने समय में मुझे अपने subjects
27/06/2020 complete करने चासहए ? क्या अभी से
23:47:43 abhishek bhati 1 8 current affair करने चासहए ? कृ पया एक teach both the theory as well as current affair embedded within their
Page 114 of 193

step by step Road Map बताएं। डर course itself. So this anxiety and Mania among the students ke
लगता है कक कहीं गलत किशा में ना चले “Separately daily mereko 2 hrs current affairs krnaa hai”.... That
िाए।
3. one should not spend more than 30 to 40 hours a week watching
lectures remaining time should be spent in actually reading the
books and study material (minimum reading list list is mentioned on
More details Covered in my “Comprehensive Strategy 2021” video during
Unacademy Summit. Please watch it at following URL:
cse/PL7KLWIX
28TH JUNE
Media and opposition parties keep complaining that
people are dying of Hunger during the coronavirus
lockdown because they’re not getting any food. so
what should government do? First government will
Sir what is M1 M2 M3 M4 what is the full form of find the data related to how much kilogram rice and
28/06/2020 M may its money but how can it's use in bank wheat is available in its store houses and how it can
07:22:33 Yogesh Shukla 1 7 and post office please explain sir distribute it to the poor people.
Page 115 of 193

Similarly RBI will have to first find out how much
money is there in various parts of the economy and
then how to increase or decrease its supply to
address the problems of GDP growth and inflation
and deflation. So they use scales such as M1,M2...
Sir what is M1 M2 M3 M4 what is the full form of
28/06/2020 M may its money but how can it's use in bank
07:22:43 Yogesh Shukla 1 7 and post office please explain sir Replied in previous cell.
Sir...Is the previous course done by you is also - - Ideal approach for old batch students =
same or any additional classes in this (original handout from your batch+ wincsp20
batch....because sir i am attending the exam in series ke Handout & powerpoints for
2020....so I am unable to cope with live updating it, available at
classes...I want to complete syllabus https://mrunal.org/download#Win20CSP ).
early.....please help me sir....In previous batch - - No need to take separate printout of this
there were 46classes and in this batch there are new handout going in the present batch. Yes
28/06/2020 50 classes....so that I am asking this....kindly it contain some new current affairs for
07:25:23 Rajasekhar Reddy 2 7 help me sir.....Thankyou example Iran’s toman currency but in future I
Page 116 of 193

will cover that in your Win20CSP handout as
well. So, need not worry.
- -Regarding the mains answer writing part
certain handouts and powerpoints have been
updated. In such case keep an eye on the
time table of new batch, every 15 days.
Whenever there is a session on mains
answer writing usually I add the suffix -
”mains answer writing”
- Example, Jun21 lecture here:
https://unacademy.com/class/economy-
pillar1a-money-3-cryptocurrency-intro-to-
mains-answer-writing/W0Y024BN
- So afterwards you may watch that video or
Page 117 of 193

atleast download the PowerPoint and
automatically you will get the idea.
28/06/2020 I had doubt related "M0". Does it mean the
07:39:55 sankalp.shanbhag 1 1 assets and liabilities of Issue department ? liabilities
How to do last 2 years’ current affairs?
All these questions are covered in my slide 28 to
slide 40in the following lecture
Sir please guide me on preparation for current
affairs. You had mentioned that we need to read https://unacademy.com/class/comprehensive-
monthly capsules for 2019 current affairs for strategy-to-crack-upsc-cse/PL7KLWIX
people appearing in 2021. Do I need to make
notes and remember everything or do I need to Current affairs PDFs are supplements but not
just go through it and keep revising it. It seems substitute for the Newspaper reading. Which is
28/06/2020 like a lot and overwhelming and it almost feels required for building the clean vocabulary, grammar
09:15:48 Namyata lakhtaria 2 8 like its impossible to remember everything. and language proficiency for the essay paper
Page 118 of 193

papers automatically you will get the idea what type
of information is more important and what is useless.
Then accordingly read or glance over the matter
given in CA-PDF.
MCQ galat hone kaa main reason medium nhi,
“overthinking/less revision/haste” hotaa hai.
Please read and interpret the statements more
carefully. Every MCQ is followed by alteast 70
Gm sir aap ki class smjh me aa rhi hai ,pr kch seconds of time. One should not make haste in
terminology hai jisse problem hi rhi hai,mera ticking the button immediately.
Hindi medium hai, MCQ shi nhi ho pa rha
hai,quiz me 13 questions shi the mere,what If you go for the Hindi translation of the economic
should I do?, please suggest me ,taki Mere bhi questions asked in UPSC they are so cumbersomely
MCQ shi ho, mera 2021 me first attempt translated it will even slow down your further. So it is
28/06/2020 hoga.... 16 June ko hi plus pr subscription liya always advisable to tick the economy and science
10:00:06 Abhay Pratap 1 9 hai... please suggest me... MCQs by reading the English version of it
Gm sir aap ki class smjh me aa rhi hai ,pr kch
28/06/2020 terminology hai jisse problem hi rhi hai,mera
10:00:15 Abhay Pratap 1 9 Hindi medium hai, MCQ shi nhi ho pa rha Replied in previous cell
Page 119 of 193

hai,quiz me 13 questions shi the mere,what
should I do?, please suggest me ,taki Mere bhi
MCQ shi ho, mera 2021 me first attempt
hoga.... 16 June ko hi plus pr subscription liya
hai... please suggest me...
Sir fixed deposit to current account liquilidty M2 = currency + (Demand deposits in the banks and
increased... but M3 case liqudity less than ..M2 post offices) whereas Whereas M3 considers M1 +
28/06/2020 why? M3 = D.D+T.D +C.U M2 have D.D+C.U time deposits in banks. Time deposits are considered
10:01:54 Narendra 1 1 and+D.D p.o?T.D have more liquidity to be less liquid than demand deposit.
Too much rise in SLR/CRR = loanable funds will
reduce = not good for the farmers student education
Sir While is theory CRR/SLR can be used in loans poor people and middle class.
inflation control by R.B.I primeliy retails on repo
28/06/2020 rate = its policy rate.. to combat inflation not and Primary objective of SLR/CRR is to keep safety buffer
10:07:52 Narendra 1 1 not CRR/SLR explain sir?? Against the bank Run
Sir which books apart from NCERTs should I I have addressed this query sufficiently at the lecture
read along with your handouts and live class? 1’s slide 97 to 106 itself. Please re-watch the
28/06/2020 Also sir do I need to read MICRO and MACRO recorded session at
10:14:30 MUKUND MADHAV 1 1 economics NCERT? https://unacademy.com/class/economy-introduction-
Page 120 of 193

faq-about-course-upsc-prep/JDQMR3FR
series ke Handout & powerpoints for
updating it, available at
- No need to sit through the classes again.
Use your time for Preparation of other
subjects of GS/optional/ethics.
- No need to take take separate printout of
this new handout going in the present batch.
Yes it contain some new current affairs for
example Iran’s toman currency but in future I
Sir mai feb 2020 batch me tha kya mai apke well. So, need not worry.
june wale batch ka handout download kr ke use - - I will finish the win20CSP series before
28/06/2020 kru ye sahi rhega old wala handout ko remove prelim-2020. And will start win21CSP series
11:49:36 Saurabh 1 7 kr dun ...mujhe 2021 me attempt krna hai ? after next years’ budget. So you follow them
Page 121 of 193

Sir gs3 M mains syllabus me land reform food
28/06/2020 processing jaise topic ko kha se cover karna
11:53:29 Saurabh 1 8 hoga ? Will be covered in lecture and handout.
Page 122 of 193

Sir, will you take Food Processing Industries as
28/06/2020 lectures or should I refer to your website as
12:02:27 Tarun Mahawar 1 4 mentioned in GSM3 strategy on mrunal.org? Replied in previous cell
Banks’ CRR is kept @RBI’s office/vault. Then RBI
28/06/2020 The minimum amount of ccr we can keep and in will use it as per its own desire. E.g. for playing OMO
12:04:52 Smita S 1 1 which fields the ccr is used games, giving REPO/MSF loans etc.
28/06/2020 The minimum amount of CRR can be kept and
12:06:07 Smita 1 1 where they are used Replied in previous cell
Is not money multiplier an illusion ..if people
loose trust in bank and ask for money at the
same time how will that situation be managed? Question is outside the photo frame Of what is
Isn't there a better framework for money important for scope of UPSC prelims and mains.
28/06/2020 circulation than this it seems rather deceptive We are not here for the philosophical and intellectual
12:49:02 Drishti 1 1 and prone to crash? discourses of Economics as an optional subject.
Sir hmare pass pdf hh..uska prin out nikal liya the older students are given free update handouts
28/06/2020 gya...Parr vo pdf ..2022 ya 23 takk kamm titled Win20CSP, Win21CSP etc. No need to print the
12:55:05 Narendra 1 1 karegi...Ya tvv naya pdf prin out karna padega.. entire set again
Namaste Sir! I have watched the recording - Always good to hear students from the
classes of the batch which was ended in previous batch. I hope You are in good health
28/06/2020 May,2020. Also I have all handouts of that and your preparation is on track.
13:02:15 Pragya 1 8 batch. Shall I join this batch and print new - - Ideal approach for old batch students =
Page 123 of 193

handouts? This batch helps me to get ur (original handout from your batch+ wincsp20
guidance in answer writing. Regards series ke Handout & powerpoints for
updating it, available at
- No need to sit through the classes again.
Use your time for Preparation of other
subjects of GS/optional/ethics.
- No need to take take separate printout of
this new handout going in the present batch.
Yes it contain some new current affairs for
example Iran’s toman currency but in future I
well. So, need not worry.
Page 124 of 193

Hello Sir,
I have basically no idea about economics and
polity, but i found Public Administration very Public Administration Optional subject courses are
interesting as an optional subject. Is it a wise unlocked with your subscription at

choice to go for it, being naive in the basics.
Secondly, I can't find the basic books to begin

Further, Previous toppers’ Strategies may be
28/06/2020 the study.
available at
13:09:52 @imdev05 1 8 Please guide ... https://mrunal.org/toppers
Page 125 of 193

Sir there was a question in quiz about
numismatics museum in new delhi. And that In the quiz please read the directive words more
28/06/2020 statement was true. In handout it was written it carefully.
13:16:31 Ankit 1 1 will be in kolkata. Please clear this Find Incorrect statement is asked in that MCQ
- CRR @4% = 25x multiplier. But in reality it’s
hardly 6x because All money is not deposited
into Bank/borrowed out as loans immediately.
- As economy grows → Companies will
generate more profit more salaries, People
1.Money multiplier is indirectly improves as become more attracted to shopping, buying
economy develops? Where as if economy is things on EMI → So multiplier may improve
improving then reserve % of banks with RBI from 6x to 9x or 15x. So same amount of
should fall ? , and same will happen with these 100Rs M0 may generate more money in M3.
indicators also consumption / loan demand - If an apple tree is producing 100 apples in
increases, banking penetration, digital year1 and 200 apples in year2 It doesn't
economy/less-cash economy etc? I am able to necessarily mean that Sun has started Giving
understand the inverse relationship between more sunlight. You need not think
28/06/2020 them. excessively about the inverse or reverse
13:25:44 Ankur Agnihotri 1 1 Thank You Sir ! relationship
28/06/2020 Hello Sir, It means upto 5:30PM is taken from working hours of
13:40:04 Shubham Sankpal 1 1 In Table 3:Digital payment systems on page 10, SBI. Afterwards there office may be closed. Other
Page 126 of 193

you have included (SBI) in transfer amount banks may have different working hours.
column and also in timing column of RTGS so
does that mean only SBI can carry out those
operations.
Thanking You.
1.) Rupay/Visa/Mastercard are payment
gateways.They also issue cards of different
banks(Ex- Rupay Card of SBI etc.) .In POS M/C
if payment gateway is Visa and we insert 1) does a mobile phone reject airtel simcard or jio
Mastercard , will it not accept? simcard? It will accept. Same for PoS machine
2) The word means that Bank wala cannot buy gold
28/06/2020 2.)CRR kept with RBI has to be kept in cash and say this is our CRR. They have to deposit the
13:51:31 Pratiush 1 1 only? cash in RBI
When india give loan to any country, what
would be the medium of money (indian currency
or dollars etc)? I mean In which form india give
loan to any other country eg: India lend money - Sometimes it may be given in Indian
28/06/2020 to sri lanka, in this case how the process takes currency, sometimes in Dollars. Depends on
13:59:55 Yash Garg 1 1 place ? Please explain in breif Sir... the case to case basis
28/06/2020 Sir reserve money vale concept me aapne
14:02:23 Ankit 1 1 padhaya ki govt ki sari securities mila k say 24L Everything from coins to 1 rs note to 2-2000 ke notes.
Page 127 of 193

crore ho raha hai to rbi 24 L crore ka coin and
curreny issue krega. Is currency me sirf 1 rs
note and coin hi aata hai ya baki sari curreny
bhi(2-2000rs)
And if govt k coins and 1 rs curreny 10 l crore hi
the to baki coins rbi kaise circulate kregi? Govt
ne to 10L crore hi diye na.
In every batch some students will ask this question
and therefore there is a special slide dedicated just
for that
Slide #27
https://unacademy.com/class/economy-pillar1a2-
28/06/2020 Why rupee coins added in the asset of issue monetary-policy2-quantitative-tools-crr-slr-
14:27:59 nikitatomar1709@unacademy 1 1 department ? repo/SE011IEP
Only within reasonable limits, it is true.
Sir, according to Philip curve if inflation and
unemployment are inversely related then why If 1 kg onion selling for 50,000 rupees then majority
don't we allow inflation to grow more than 6% of people will stop buying it and farmer will get 0
28/06/2020 as it would help solve the problem of money. then he'll throw all labourers → again
14:56:15 @Kr_abhishek 1 1 unemployment. unemployment problem
Page 128 of 193

We’ll learn that in pillar#4
In the handout M0, M1, M2, M3, M4, 5types of
28/06/2020 Measures are mentioned, M1, M2, M3, M4 are
15:07:13 ashishrnjn30@gmail.com 1 1 clear but how we calculate M0? M0 taught in 27th june lecture.
Sir..I m working IT professional...I have been
preparing for UPSC from last 3-4 months. In my
daily routine somehow I am managing 4-5 hours
28/06/2020 daily. Is it enough? How can I cover more Yes that is sufficient time to prepare for 2021 exam
15:51:21 Nayan Chavan 1 8 syllabus in this sort of time? Please guide Sir. cycle
While I am empathize with your request but Hindi
medium handout related Queries are sufficiently
addressed in the lecture 1’s introductory part → slide
48 onwards.
28/06/2020 faq-about-course-upsc-prep/JDQMR3FR
16:36:33 aakash 1 8 sir hindi medium m notes nhi mil skte
Sir when I am reading ncerts I understand them You have to patiently continue doing the exercise and
28/06/2020 well. But when I am reading newspaper I can't over next four to six months it will build up
16:42:47 Ankit 1 8 comprehend well. automatically.
Page 129 of 193

My English reading skills are avg.My vocabulary
is also average. How can I imrpove it sir.
Could you please provide solution to my
problem
https://unacademy.com/class/comprehensive-
What is the best strategy and source to prepare and language proficiency for the essay paper
28/06/2020 for Contemporary Affairs, mainly past 2 year Also observe the topic wise previous year question
17:11:28 Prabha Sharma 3 8 current affairs? papers automatically you will get the idea what type
Page 130 of 193

given in CA-PDF.
When RBI raises its repo rate/CRR/SLR to combat
inflation,
It is not necessary for the bank to to increase its
Generally during high inflation, banks increase deposit rates.
their lending rates to control money circulation
Sir, my question is whether rates for Demand If the banks want to attract more deposits then they
deposits are also increased at this time? As will increase the deposit rates.
people will deposit more --> more proportional
28/06/2020 cash reserve w.r.t. CRR --> less circulation of Usually it is found that savings account deposit
17:11:40 Aishwarya Chaturvedi 2 1 money interest rates are lower than repo rate.
28/06/2020
17:14:33 @RashiVerma-7268 1 1 sir what is high powered money Synonym for M0
Good evening sir.
Sir i have a doubt regarding a mcq which you
asked in class where SLR reduces by .50%. In - If SLR is reduced = loanable funds will
28/06/2020 this mcq the option 3 where it is said that it increase → money supply and liquidity will
17:35:17 Yoomi lee 1 1 drastically reduces the liquidity to the banking increase. Therefore the statement is wrong
Page 131 of 193

system.
Sir i have doubt that by decreasing slr, it will not
affect the assest which bank own in liquid form
ie cash, gsec, gold or it is pointing to different
direction which i am not able to see.
Please guide me sir.
Google pay does not need to register in RBI
because it is not a part of payment settlement. It Google lures customers with free things to Attractive
is a service provider between customer's bank you in its ecosystem of gmail, youtube etc. Ultimately
and merchant's bank. My ques is:- it will make money from advertisements.
1) If google pay is not making money then why Apparently RBI has given them leniency to launch
it is there in the market? apps without registration. otherwise such large
2) How google pay is different from apps like company With access to all the personal data and
28/06/2020 phone pay, mobikwik etc. Also explain how financial information, should be forced to register with
17:38:53 Raushan two 1 1 these apps make money. RBI whenever they develop a money transfer app.
Hello sir, i want to take anthropology as optional
28/06/2020 and want to write in English. But GS and eassy
18:01:33 Harshad memariya 1 8 in gujarati. It is possible? Yes possile.
How to find your consolidated hand This handout is continuously updated on weekly
28/06/2020 out summary book sir , as I need to get the basis as we the progress in the lecture. So I cannot
18:02:48 Shivam Chauhan 1 8 hand out summary of ur couse ( I see it some update and upload all handouts to you right now in
Page 132 of 193

time.in mid of slides when u presenting) that will advance, with the hectic schedule wherein i’ve to
be really helpful for me or how to get it? conduct classes 4 days a week, and then devote an
entire day or two answering to google form queries.
Therefore I have advised before that no need to take
print out until covid nothing is over.
If you’re very eager, You can download the older
batches entire sets of handout from
https://unacademy.com/course/comprehensive-
course-on-economy-for-upsc/FAYJEWDZ
And then follow Win20CSP series available at
https://mrunal.org/download#Win20CSP
I have addressed this query sufficiently at the lecture
1’s slide 97 to 106 itself. Please re-watch the
recorded session at
28/06/2020 Sir will the handouts of this course be sufficient faq-about-course-upsc-prep/JDQMR3FR
18:56:28 streamigloo 2 7 for prelims 2020 ??
28/06/2020 Sir my question is that which book is will be best For economy: enough practice questions are given in
19:19:05 Rahul kumat 1 9 for the practice for Economic (Pre+Mains) & the handout and weekly test
Page 133 of 193

Geography (Optional & Pre+Mains) .
Geography optional subject teachers can guide you
for their things
Hello sir I have addressed this query sufficiently at the lecture
1’s slide 97 to 106 itself. Please re-watch the
Sir is your handouts sufficient or do I have to recorded session at
purchase your economy book from amazon for https://unacademy.com/class/economy-introduction-
28/06/2020 my preparation ? faq-about-course-upsc-prep/JDQMR3FR
20:26:08 Guddi Jha 2 8
for that
Sir, Rupee coins/1 Rs note shown under asset Slide #27
side of RBI why it is not shown under liability https://unacademy.com/class/economy-pillar1a2-
28/06/2020 side just like currency notes, as liability stands monetary-policy2-quantitative-tools-crr-slr-
20:32:53 viswateja 2 1 trasferred to RBI after purchase from Govt. repo/SE011IEP
Sir i am a new student and I am in my initial Current affairs is not a separate subject it overlaps
28/06/2020 stage of preparation,so sir I am very much with the traditional six objects that are Geography,
20:34:23 Kishan Singh 1 8 confused about current affairs from where to environment, economy, polity&IR, history, science
Page 134 of 193

prepare,I have subscribed the hindu but when i technology. All the reputed teachers will teach both
went through the paper i was confused that the theory as well as current affair embedded within
which page and which topic should i shortlist for their course itself. So this anxiety and Mania among
read. the students ke “Separately daily mereko 2 hrs
And as you have said not to make note out of current affairs krnaa hai”.... That should come at a
current affairs then on which magazines or pdf later stage. First prioriy for a first attempt student
should i rely on? should be to finish the core subjects.
Sir plz help,its a humble request to you. one should not spend more than 30 to 40 hours a
week watching lectures remaining time should be
spent in actually reading the books and study
material (minimum reading list list is mentioned on
Page 135 of 193

https://unacademy.com/class/comprehensive-
and language proficiency for the essay paper
papers automatically you will get the idea what type
given in CA-PDF.
MENE AAP KA LACTURE 2020 WALA
DEKHNA STATR KAR DIYA HAI BUT MUJHE
EF4B_HDT2-ES & EF6_HDT_HRD KE BAAD https://unacademy.com/course/comprehensive-
KA HDT NAHI MILA UPDATE SECTION MEN course-on-economy-for-upsc/FAYJEWDZ
KYA AAP SHARE KAR SHARE KAR SAKTE
28/06/2020 HAI PLEASE Click on updates tab and scroll down in the sidebar
20:44:25 NAUSHAD ANSARI 1 7 that opens
28/06/2020 Sir how much is gs economy course This course covers Economy for prelims and mains,
20:54:50 Rohit anand 1 1 overlapping with economics optional ? And will which also includes Economy for mains paper 3
Page 136 of 193

u be covering Entire syllabus of gs3
The overlapping between the general studies
economy and economics as an optional subject is not
that big. economics as an optional subject also
involves a lot of thinkers and theories graphs and
mathematics, Which are not important for the scope
of general studies ki economy.
for that
Sir, how coins minted by govt can be a asset for Slide #27
RBI to issue currency, as coins itself are legal https://unacademy.com/class/economy-pillar1a2-
28/06/2020 limited tender? Sorry sir if I'm asking irrelevant monetary-policy2-quantitative-tools-crr-slr-
20:55:11 Abhijit 1 1 question. repo/SE011IEP
Sir in your yesterday's class (27 June) in slide for that
number 14 you've listed coins and 1 rs note as Slide #27
liability of RBI while in slide number 16 it is https://unacademy.com/class/economy-pillar1a2-
28/06/2020 listed in asset side of RBI ? Is there a correction monetary-policy2-quantitative-tools-crr-slr-
20:57:15 Ishan Sharma 1 1? repo/SE011IEP
Page 137 of 193

28/06/2020 SIR WHAT IS REFINANCE AND WHO
20:58:26 R SANDEEP 1 1 REFINANCES STANDUP INDIA LOANS We will see that in pillar 1D
Current affairs is not a separate subject it overlaps
with the traditional six objects that are Geography,
environment, economy, polity&IR, history, science
technology. All the reputed teachers will teach both
the theory as well as current affair embedded within
their course itself. So this anxiety and Mania among
the students ke “Separately daily mereko 2 hrs
current affairs krnaa hai”.... That should come at a
later stage. First prioriy for a first attempt student
Sir there is monthly current affairs
magazine,laxmikanth,spectrum and so many Once you have finished the core subject including the
other things after getting the concept and analysis of its previous years papers then
28/06/2020 understanding it...how can i remember so much automatically you will see how much current affairs is
20:59:06 Himangshu Nath 1 8 of data and also revise them...how can i do it? relevant in what parts of the subjects
sir ye dono point samjjh ni aaye??? If M0=100
M1, M3 Money Supply will ⏫ when: Multiplier increased from 6x to 9x (Because of the
28/06/2020 - When Money multiplier and / or Velocity of changes in the CRR or because of the increased the
21:02:57 shiv kumar 2 1 money increases. banking habits of the people) then automatically M1
Page 138 of 193

- When RBI’s asset side increases e.g. and M3 will increase.
Government borrowing more from RBI using G-
sec When RBI’s asset side increases e.g. Government
or increase in RBI’s foreign securities. (is there borrowing more from RBI using G-sec → Explained in
are limit on how much money can the open market operations lecture slide 101
Government borrow? Ans. YES. https://unacademy.com/class/economy-pillar1a2-
monetary-policy3-quantitative-tools-repo-tltro-msf-
omo/PMAH2JMQ

subscription at
However there could be a possibility that your

optional subject chemistry course may not available
in above list at present, And or perhaps only a small
set of strategy videos are made instead of full length
course. But make good use of it to at least identify
SIR, I WANT TO OPT CHEMISTRY AS MY
the booklist and trend of question papers.
OPTIONAL SUBJECT,BUT UNABLE TO FIND
28/06/2020 A PARTICULAR SOURCE. PLZ SIR HELP ME

21:12:04 YASHDEEP SINGH 1 8 OUT. available at
Page 139 of 193


future there could be teachers in this subject as well.
28/06/2020 Sir, How to prepare for Economic & Social
21:19:19 Debraj Sur 1 7 Issues for RBI Grade B ? Economic survey, yojana, Kurukshetra
There is no legal minimum value of CRR and
SLR, but there is always a legal minimum rate RBI decides CRR, SLR. Government doesn’t decide
28/06/2020 to keep aside such reserves, which govt it. Government only created law to empower RBI to
21:27:16 simran@2021 1 1 changes from time to time. Am I right sir? do those things.
Sir while teaching Money multiplier concept,
there were initial ₹100. After ₹10 CRR, ₹90
given as loan were deposited in Bank 2. But - Double counting is not done because Money
when we are summing up deposits to calculate is created using chequebook, NEFT, e-
M3, aren't we double counting those ₹90. I banking etc.
mean they are part of ₹100 only na? And if the - And the example assume that people are not
one who deposits ₹100 in bank 1 takes out drawing the money out of the bank in form of
28/06/2020 some of it, won't it lead to collapse of further cash- they’re simply depositng it from one
21:30:22 Vrinda 1 1 calculation? bank to another.
Page 140 of 193

Sir Namaskar...
Mein Economics padhna abhi start kr rhi hu un
ton mein newspaper she kaise economics k
notes nikalun confuse ho jaati huun... Basically
28/06/2020 International Trade mein Bogor difficulties aati There is no need to make notes on Economy current
21:33:44 Seema Mishra 1 3 hai... Please help affairs it is being covered in our lecture and handouts
We are here to pass the exam.We have studied the
sir jo sbi ko short term loan lene k liye rbi ko photo frames for MCQ. how x will lead to → y.
100cr k agains 104 crore dena pada lekin usko
28/06/2020 jo rbi se 108 crore milega uspe to koi effect nhi “Aisaa Real life mein hogaa ki nahi? …. That is not
21:37:31 anchal seksaria 1 1 pdega na the question we should be worried about.
If I increase the quantity of MCQ then their quality
cannot be maintained.
Sir can u please add more mcq’s after the class
apart from which are done in class! It will be If a handout has 25 pages, and i try to create 100
28/06/2020 really helpful nd will help in getting more clearity MCQs from it, Then will end up being pedestrian
21:38:24 Bhavya Kumar 1 8 that how to attempt question ..... plz quality clerk level MCQ.
sir,why repo rate is reduced????i mean what is
28/06/2020 the motive behind it,pls explain extensively sir, i If inflation is under control (2-6%), then RBI may
21:39:05 tejas geer 1 1 didnt understand it. reduce repo to achieve priority #2 (=gdp growth).
28/06/2020 Rohit UPSC. 1 1 Sir i recommend to disable the comment Yes dear Rohit UPSC I think I have seen your name
Page 141 of 193

21:41:54 section.Students always do unnecessary multiple times in quiz correct answer givers. So well
messages and chats which is disturbing and of done, keep it up.
no use to the exam.Sir please consider my
request. Regarding the commentbox chat. I understand your
agony. About the comment box matter I have stated
my standpoint in lecture1. -
1. There is a button in the student side of the
web portal where you can close the chat box.
Then only the slide and My Webcam stream
will be available to you and you can use the
mouse cursor to move the webcam window
around the slide
2. ignore chatbox chatting. whatever doubt you
have, please ask me here in this Google
form.
3. I don’t close the chatbox, but I keep an eye
on it because if suddenly my audio or video is
not coming properly due to any technical
issues, then I will get some idea based on the
chatter of students. Then accordingly I can
call the Technical team. I don't usually react
to individual comments because if I start
Page 142 of 193

doing that then we cannot finish the syllabus
in time.
4. If someone is harassing /trolling you in the
chat box, then complaint to
help@unacademy.com
5. My lecture is such that both senior and
fresher students attend it in good numbers so
many times, there could be some fresher
student who need some simple information
about something. And he would post some
questions which other students could reply to
him during the break time. Many a times
students announce that they are creating
Telegram group for a specific optional subject
and ask other people join it. I see all such
parallel chatting is going on in my class, but I
am not reacting/restricting it because as a
teacher I am supposed to keep a big heart.
6. A few bad apples doesn’t mean Entire batch
is full of such people. Yes for the first few
lectures you may feel that too much
nonsense is going on in the chat box but
Page 143 of 193

eventually such non serious people will stop
coming once their initial enthusiasm about
IAS preparation is over.
This handout is continuously updated on weekly
basis as we the progress in the lecture. So I cannot
update and upload all handouts to you right now in
advance, with the hectic schedule wherein i’ve to
conduct classes 4 days a week, and then devote an
entire day or two answering to google form queries.
Therefore I have advised before that no need to take
print out until covid is over.
If you’re very eager, You can download the older
batches entire sets of handout from
https://unacademy.com/course/comprehensive-
Sir plz provide all the pdf together ...it's not course-on-economy-for-upsc/FAYJEWDZ
28/06/2020 possible to go outside again and again for print And then follow Win20CSP series available at
22:11:56 Santosh Mondal 3 5 out https://mrunal.org/download#Win20CSP
28/06/2020 How to cover the Government Schemes? From They will be covered in my hangouts in the respective
22:12:29 Sakshi Jain 1 8 where? and how to integrate them - Ministry pillars
Page 144 of 193

Wise or Issue wise eg. Health, Education,
Poverty?
I always score -ve in those questions.
1. If expenses of govt is always more than its
income, will it ever be able to pay its debt?
2. Can you please introduce negative marking
during the quizzes so that the quizzes are more 1. We will see that in pillar 2
exam-like? 2. I have already asked the technical team to do
28/06/2020 3. What are some other 'officer like qualities' as that
22:15:54 Sumit 1 1 you mentioned in your lecture? 3. https://mrunal.org/ethics
28/06/2020
22:23:50 @shubham18 1 1 Is msf short term ? yes
sir
is there any possibility of complete english
economy course by you after this present
course
28/06/2020 i am unable to understand hindi
22:29:22 tharunkumar reddy 1 8 thanks in advance sir Difficult to commit on such thing at present
Repo = Agreement is written to buy the securities
28/06/2020 sir in OMO rbi sells sec with buy back back, at a higher price.
23:05:05 Bhavya 1 1 guarantee???? OMO = no such agreement is written
Page 145 of 193

Does RBI also issues its own Securities or is it
28/06/2020 only through the GSec it does its monetary
23:24:11 Tanay Jha 1 1 policy operation ? Through G-sec.
How much time does it take to reflect the RBI
monetary policy reforms in the economy? For
example, if RBI increases the repo rate today,
28/06/2020 then approximately how much time will the Will see that in the next lecture under limitations of
23:24:05 Devanshi Singh 1 1 economy be able to fight inflation? monetary policy
SIR, in the case reverse repo rate does RBI
28/06/2020 denied to took the money of the commercial They simply reduced the reverse repo rate so banks
23:24:51 Ankit Singh 1 1 banks??or any other reason... will automatically not come there in large quantity.

subscription at
However there could be a possibility that your

optional subjects course may not available in above
list at present, And or perhaps only a small set of
strategy videos are made instead of full length
course. But make good use of it to at least identify
28/06/2020 Sir, i want to opt for chemistry optional, please
the booklist and trend of question papers.
23:25:04 Tany Shukla 1 8 any online educator?
Page 146 of 193


available at

future there could be teachers in this subject as well.
1. When priority #1 accomplished (control
inflation in 2-6%) then RBI works on second
Q1)Sir as today we read that RBI is decresing priority (boost GDP growth). The decision to
repo rate and even decreasing CRR so does it cut down the repo rate in recent times has
28/06/2020 mean we are going through deflation??? been mainly driven by this second priority
23:26:31 VIKAS YADAV 1 1 Q2) What is intrest rate of SDF?? 2. It is not actually implemented yet.
sir, sabhi fullform yaad karne hai No need to memorize full forms for low profile things
28/06/2020 like,NAACH,MANI,OEO ETC. if yes then how like NAACH.
23:26:44 @BuntyBhaiya-2303 1 7 should i cram these fullform? But UPI, BHIM = high profile things = so yes.
28/06/2020 One type of deposit account. Its Banking gk not
23:27:15 Shubham pathak 1 1 Salary account benefits, important for our exam
28/06/2020 Sir No. RBI does not give loans directly to ordinary
23:30:03 Ajay yadav 1 1 Does any one can take loan from RBI if they persons or companies
Page 147 of 193

have G-Sec or merely Bank and other financing
company?
Good evening sir, I’m working professional as
Sub-Inspector in Delhi Police and big fan of
yours especially your honest opinions. This is
my last chance and due to my hectic job profile,
I’ve just completed 80-85% of syllabus. Sir
please guide me about answer writing ie should
I start now or I can do it after prelims. And if you
suggest to start writing now then Should I start
writing PYQs or from some websites like insight
or IAS parliament type. Sir please guide me
properly on this. I shall be highly obliged for this Thank you for your compliments
kind guidance. And I’ll like to meet you My thoughts on mains answer writing are given here
personally sir after selection. And it’s a promise https://www.youtube.com/watch?v=htcu1I2PAtk
28/06/2020 sir that I won’t disappoint you. Thanks sir n
23:35:06 Narender Agrawat 2 8 huge respect for you
If you are targeting 2021 finish the syllabus / live

Namste sir ,
courses in following sequence
I am prepering for upsc this year earlier i was
1. One should not spend more than 30 to 40
28/06/2020 prepering for state psc from 2 years where i
hours a week watching lectures remaining
23:36:43 chaitnya 3 8 found i just waste my time because of poor time should be spent in actually reading the
Page 148 of 193

startegy and unsceincer beahviour ,so i books and study material (minimum reading
purchased unacadmy in may mnth and started list list is mentioned on the page 1 of your
handout) You should not watch videos of
preperation .Sir I am taking geography (4
things which can be easily understood by
hour),polity(2 hour) and your lecture economy
simply reading the book
from this mnth ,so my whole day time is in
2. Optional subject (Because its faculty may not
attending onl9 class .So i ididnt get more time be available live for the whole year so you
for self sudy so what should i do increase my would benefit by asking the the doubts while
study time in night or cut any lecture . it is being done live) >Economy and polity
another question - what should be my strategy (So you can understand their current affairs
in a better manner from newspaper)>
for 2021 as new bee because right now i didnt
(Environment geography agriculture history-
get class of optional because of core lecture .
art culture Ethics)> and at last stage Science
How can i annalys old paper at time of learning
Tech and current affairs.
of subject ya before learning of subject . 3. Current affairs is not a separate subject it
overlaps with the traditional six objects that
are Geography, environment, economy,
polity&IR, history, science technology. All the
reputed teachers will teach both the theory as
well as current affair embedded within their
course itself. So this anxiety and Mania
among the students ke “Separately daily
mereko 2 hrs current affairs krnaa hai”....
That should come at a later stage. First
prioriy for a first attempt student should be to
Page 149 of 193

finish the core subjects. Once you have

finished the core subject including the
analysis of its previous years papers then
automatically you will see how much current
affairs is relevant in what parts of the
subjects
Other question
How can i annalys old paper at time of learning of
subject ya before learning of subject . =
while you’re learning the subject Aur after you have

finished the particular subject or chapter. E.g. as we
saw the Money multiplier, SLR questions From
previous UPSC exams while we were dealing with
the subject.
29 JUNE TO 30TH JUNE, 10AM
Sir, G-Sec have maturity period of Because they are bought and sold by the players (RBI and
more than 1 year. How they are banks) as collateral.
29/06/2020 used in short term repo Government is not committing to return the money before 1
00:03:43 Aishwarya Chaturvedi 2 1 operations? year on that.
Page 150 of 193

Good Morning sir
Honorable sir
Will you deal with more mains
writing question like you did in
EF1A1?
It is extremely helpful and eye
opener.
My humble request to you is that
kindly deal with more mains
answer writing questions.
29/06/2020 Thank you very much.
00:08:26 Saswat Raju 1 1 Saswat Raju We will be doing that exercise across various pillars.
Sir, You said about the
Government security bill to be
issued for more than 1 year. So
what does this period of one or
more than one year period mean
actually; and
Is this the time extendable to a - Depends on a particular Government security That
29/06/2020 longer period ( as its greater or was issued as per the requirement of the government
00:44:11 Mayank Sultania 1 1 equal to 1)? it could be 1 year, 2 year, 5 years...
Page 151 of 193

MSF REPO - Banks borrow short
term funds from
RBI by pledging GSec from SLR
quota.
bank rate--All clients borrow
short term funds by
pledging G-Sec. But,
banks can’t pledge
SLR quota G-Sec
sir kehene ka matlb ye h kya, k
banks jo short term loan le rahe h,
unhone msf rate ko aapne ap ko
alga rakha hua h, wo chahe to repo
rate se b k le skte h, or repo rate se
agar lete h to slr quota k g-sec
collatrol ni rakh skte , ye sirf msf
me rakh skte h, sahi h kya sir???
29/06/2020 ya kuch add ya subtract krna h
05:08:29 shiv kumar 2 1 isme Yes you have understood the concept very clearly
29/06/2020 Hello Sir, I want to ask that "Major
06:03:37 Vinay Kumar Khandey 1 2 Stimulus Measures" of Atmanirbhar We will study them in pillar2
Page 152 of 193

Bharat is important or not for UPSC
??
1..Sir you told in lecture that
housing finance company and
NBFC don't have g- sec so rbi can't
give them money directly and do it
via banks through TLTRO.
In tri party system also is same
situation where a businessman
does not have g- sec but there is a
requirement of custodian which is
not in case of TLTRO.
2..Sir MY 2nd query- Do we use - My statement was “IF” NBFC don’t have G-sec, they
29/06/2020 LTRO money in case of TLTRO or can’t access traditional Repo game of RBI.
07:08:10 Ajay indora 1 1 it is different? - LTRO and TLTRO are Two separate operations
Sir I need your guidance and it's If you are targeting 2021 finish the syllabus / live courses in
very imp for me...I had started following sequence

1. Optional subject (Because its faculty may not be
reading polity with geography (gs
available live for the whole year so you would benefit
and optional both simultaneously)
by asking the the doubts while it is being done live)
29/06/2020 but when your course came I
>Economy and polity (So you can understand their
07:59:50 Smita s 1 8 enrolled and doing economy current affairs in a better manner from newspaper)>
Page 153 of 193

classes..now it has become difficult (Environment geography agriculture history-art
to read 4 subjects everyday...so I culture Ethics)> and at last stage Science Tech and
current affairs.
need your guidance for what
2. one should not spend more than 30 to 40 hours a
should I do now..plz help sir
week watching lectures remaining time should be
spent in actually reading the books and study
material (minimum reading list list is mentioned on
the page 1 of your handout). No need to watch
videos of things which can be easily understood by
simply reading the book.
So one of the solution could be do 1) geography optional 2)

economy at present. Once they are finished, watch other
things.
Sir please help that I have enrolled
late night 1 year batch of urs ,so
Mudit sir modern history course is
running now but apart from that his
other courses are also running .So
I want to ask whether I have to join
those or will they be completed I am unable to comment on the batches and courses
29/06/2020 through this batch later? Also conducted by other teachers. It will be better if you ask them
08:49:30 Prajay 1 1 suggest me should I stick to this directly
Page 154 of 193

batch only or should enroll other
batches or courses as well.Please
help me out sir with this delema.
After you have completed the course observe the previous
What should I do with completed papers solve them and then move to the next topic then after
29/06/2020 course , should I refer them for any some three to six months or just before 2 to 3 weeks of your
09:05:25 Prajay 1 1 topic. real exam, again revise them
29/06/2020 Dollar ka amount rupee me bdhta
09:20:06 Khush Jay 1 1 ghat'ta kyun hai ? We’ll learn that in pillar#3 . presently we are at pillar#1.
In recent update of PM CARES
fund you said it is exempted 100
percent from tax, my doubt is that Person donate the money → in his next income tax return
people pay through 2 methods, so form he will mention the amount received number and other
29/06/2020 tell me how it will favour in both the proofs and accordingly we will deduct the amount from his
11:26:36 TANISH MISHRA 1 7 places, i am confused taxable income
Sir for E-court topic you mentioned
a common point which is attack on
witness to give false testimony or
to injure/kill them which happens in Yes you can write both those points. ultimately the conclusion
29/06/2020 courtroom by goons or can happen is that = “we should implement e-courts while addressing
11:38:32 Ankita Das 1 1 online because the frame is small. these problems.”
Page 155 of 193

So my question is how can we
write both of these as charms and
challenges.?
IN THE MO MONEY,DOES THE
COIN AND CURRENCY HELD BY
THE PUBLIC ALSO INCLUDES
THE BALANCE AVAILABLE IN
29/06/2020 DEMAND DEPOSITS AND TIME
11:54:33 MANISH ROY 1 1 DEPOSITS? No. not counted.
can i skip the economy portion
from monthly magazines section as
you will cover them..?? and after
the course is over i will just go
through it..
because in magazines there are
terms which will be covered in later My economy material covers both theory as well as current
29/06/2020 part of the syllabus and i m not affairs so you need not prepare current affairs for economy
12:22:47 Aditya kumar 1 8 able to understand completely.. separately by yourself.
If you are targeting 2021 finish the syllabus / live courses in

following sequence
29/06/2020 Sir, what all topics will be left from
1. Optional subject (Because its faculty may not be
12:29:03 Mohammad Nisar 1 8 GSM-3 paper after your course. available live for the whole year so you would benefit
Page 156 of 193

Can i prepare those topics by asking the the doubts while it is being done live)
simultaneously with the course? >Economy and polity (So you can understand their
current affairs in a better manner from newspaper)>
(Environment geography agriculture history-art
culture Ethics)> and at last stage Science Tech and
current affairs.
“I drop other things, and first i’ll finish mains GSM3 misc.
subjects like disaster management, internal security, border
area problems etc” should not be your first priority. It should
come after you are done with the above core subjects / topics
1. As you said, during
demonetization, people had to
deposit old money with banks and 1. Banks were compensated through MSS bonds later
would thus demand interests on it. on.
Bank can't also loan out such huge 2. RBI is not dolling out unlimited money in these
money to compensate for the schemes. LTRO’s total size was about 1 lakh crore or
interest to be given due to something. So if other banks have already borrowed
incremental crr imposed on them. that much money from that window, and afterwards
29/06/2020 So the banks must have suffered next bank comes then they will be forced to take the
13:08:07 Sumit 1 1 huge loss and it seems like it was TLTRO.
Page 157 of 193

unfair to them. Am I true in this
inference?
2. LTRO and TLTRO are almost
same except for some x% must be
invested in some y institutions in
case of TLTRO which might be
risky for banks. Then why would
the banks take TLTRO instead of
LTRO where they have to bear
extra risk?
No need to take the PowerPoint printout. It is only for one
time watching to understand the topic. Main cheez handout
1. Sir mujhe apki class mei sab hai. Do Revision of my economy handout three times, at
kuch samaj too ata hain ,, lekin minimum
kuch din bad bhul jata hu sab 1. 1st time = chapter revision Before the weekly quiz
kuch,,, iske liye sir power point 2. 2nd time= whole handout Before the grand quiz at
print out karna jaruri hai kya?? the end of my course
3. 3rd time = whole handout, 2 weeks before the official
2. Sir Din mei kitna class karna UPSC prelims
chahiye??? 4. I do not make any false marketing claim that UPSC
29/06/2020 3. Sir power point ki har ak chis will not ask anything outside of it. UPSC examiners
13:19:14 Jakaria Hossain 1 8 yaad rakhna jaruri hai kya??? are known for their Unpredictable temperament, They
Page 158 of 193

will definitely ask some questions which we have not
studied in the class- this holds true for every subject!
But then again cut off is never 200/200, So we never
put excessive amount of efforts in a single area.
handouts?
I have addressed this query sufficiently at the lecture 1’s slide
97 to 106. You may watch the recorded session at
Similarly, identify the core books/study material for each
subject, and plan out their revision plan yourself.
can RBI sell g-sec to only
commercial banks or to any other
individuals also? and if any
individual gets it then can he enjoy It is not meant for individual persons. Only institution such
29/06/2020 LTRO through e-kuber platform by banks non banking financial companies Union and State
13:21:40 Khushhali Solanki 1 1 keeping his g-sec as collateral ? sir Government are served by RBI directly.
29/06/2020 sir,why coins doesnt have "i Difficult to write that in such a small space. Perhaps the
14:01:03 tejas geer 1 1 promise to the bearer........"? British lawmaker did not consider it important.
Page 159 of 193

And more importantly will UPSC ask this question ? Answer
is no because no explanation about this is given in the
NCERT/NIOS/other standard books. The level of economy’s
theoretical and historical MCQs are confined around the stuff
that is given in NCERT. We need not proactively searchout
for everything on google.
Good afternoon sir,
Sir i have doubt that we should
start answer writting practice after
completing the syllabus. Thus it
means that we should cover ncerts
+ std books before answer writing NCERT plus standard books of a given subject.
29/06/2020 or just ncerts and then we can start More details in https://youtu.be/htcu1I2PAtk
14:12:23 Yoomi lee 1 8 writing practise.
Please tell me What RBI Adopts
when money suppley(M1,M3)
Decreases?
[Opposite of
29/06/2020 Cheap/Easy/Dovish/Expansionary
15:01:47 shreyash wahane 1 1 monetary policy.] Refer to table given on page49 of handout.
Page 160 of 193

Sir If SLR increased then it will
29/06/2020 drastically reduce the liquidity.
15:11:02 Varshika kashyap 1 1 how? Because banks loanable funds will decrease
Sir,
Will securities(govt./bank)be
29/06/2020 Shabnam Dhaliwal (unacademy-user- considered as time deposit? No. Deposit is the term related to the account you open in the
15:16:49 JQJQQF3UYUAL) 2 1 Thanks! banks or post office
Negative interest rate Regime has been used by central
banks of Japan and European Union. not a very important
How does negative interest rate topic for the scope of traditional monetary policy of India .
29/06/2020 work? How will CRR and SLR vary We’ll learn that in pillar#3 With international economics.
15:24:19 Omkar Bhosale 1 7 by this? presently we are at pillar#1.
Usual reasons why people unable to find time is because
they spend two hours reading the newspaper/PIB/IDSA etc,
or they make a necessarily notes from books which are
already present in the format of revision notes (e.g.
LAxmikanth), They watch videos of things which can be
actually i am not getting time to easily understood by simply reading the book etc.
read book nd my optional is psir sir
29/06/2020 please help me how to handle this Diagnose the root cause of problem and address it
15:40:47 saurav kumar 1 8 situation i have to appear in 2021. accordingly
Page 161 of 193

1. Bank’s (Current account) deposit in RBI could also
include some balance from NEFT settlements in E-
Hello Sir, Kuber. So no we cannot say what you are saying.
1. Can we say RDR=(SLR)/(CRR) 2. We’ll learn that in pillar#4 . presently we are at
[Ref: Page 31, Table 2] pillar#1. If you are eager to learn it before then watch
2. I am also having trouble the recorded sessions from the previous
29/06/2020 understanding CPI, & the term 4+- batch.https://unacademy.com/course/comprehensive-
16:18:21 Saurav Jaiswal 1 1 2% CPI Inflation. course-on-economy-for-upsc/FAYJEWDZ
Sir, post- demonitization, you
explained two problems due to
surge in deposits in banks.
Incremental CRR controlled the
reckless borrowing from banks, but
how was problem of elderly and
middle class addressed, caused by
29/06/2020 the dip in interest rates offered by
16:25:43 Kunal Kumar Rakesh 1 1 banks on deposits? Through PM Vay Vandana Yojana.we’ll see it in pill1D
If there is inflation in the market, - We will learn about inflation and deflation in detail in
then like deflation, wouldn't it also pillar#4 . presently we are at pillar#1. If you are
29/06/2020 lead to unemployment? OR from eager to learn it before then watch the recorded
16:28:19 Neha Garhwal 1 1 the shopkeeper's point of view, isn't sessions from the previous batch.
Page 162 of 193

it good to have inflation since it will https://unacademy.com/course/comprehensive-
help him to earn more, even course-on-economy-for-upsc/FAYJEWDZ
though it is bad from consumer's - And secondly, if the public has sufficient currency
point of view? notes with them to pay, then how would inflation be a
And secondly, if the public has problem? = When if there is not enough supply of
sufficient currency notes with them onions then Will you be able to buy the onions at
to pay, then how would inflation be cheap price using your currency notes?
a problem? I did not understand sir,
please help.
In the recent years mains gs1 geography papers UPSC
examiners have asked more in-depth questions from the
Sir my query is related to climate and environment related aspects Then what was
GEOGRAPHY covered in her lectures.
For more, see this
sir I wanted to ask whether https://mrunal.org/2020/05/download-upsc-mains-general-
29/06/2020 RAJTANIL MA'AM's lecture studies-paper-1-topicwise-2013-19.html
16:37:42 Anjali Khurana 1 8 enough for GS 1 ..
1. The decision to reduce reverse repo → increases the
Policy corridor was earlier 50 bps liquidity. So in that sense it is easy money policy.
29/06/2020 and symmetric but now it is 90 bps 2. Yes
16:50:23 Utkarsh 1 1 and is asymmetric . 3. Help in GDP growth
Page 163 of 193

1) By asymmetric can we say that
RBI is following easy money
policy?
2) Is it because the need of the
hour was to not park the money by
banks (S.B.I.) in central bank ?
3) If so what good/bad will it do to
Indian economy
(a) in terms of inflation
(b) GDP growth
Sir, the way you teach is amazing.
Please keep giving directions on
the preparation of other subjects as
well because you are an amazing
analyst and I have ultimate faith in
you and your teachings.
Thank you for your compliments.
My first attempt will be in 2022 and Subject wise strategy Covered in my “Comprehensive
I belive that this time due to corona Strategy” video during Unacademy Summit. Please watch it
is the best time I have got to cover at following URL:
29/06/2020 a lot of theoretical things. Please https://unacademy.com/class/comprehensive-strategy-to-
16:52:43 Suhani Khandelwal 1 1 keep advising us on the same. crack-upsc-cse/PL7KLWIX
Page 164 of 193

Thank you for all your amazing
tricks and techniques that makes
economics so easy to understand!
Sir I'm confused how Full KYC
check ensures interoperability? - Those guidelines will become effective in a phased
Because as far as I know we can't manner so instantly it has not become effective. And
transfer money from PhonePe to secondly RBI would want to know that such wallets
Mobikwik. I started your course are not misused for parking black money therefore it
29/06/2020 from today only ,sorry for joining is asking forCompanies to ask KYC documents like
16:59:11 Vaibhav Gupta 1 1 late sir. driver licence, pan card etc.
Optional subject courses are unlocked with your subscription

at

29/06/2020 How to prepare PUB AD https://mrunal.org/toppers
17:03:33 Anjali Khurana 1 8 OPTIONAL? Videos (if available)
29/06/2020 You will benefit more if you listen to them in sequential
17:14:48 JonnaSaritha-9275 1 8 good evening sir , manner from lecture1,2,3,4…. because many of Conceptz
Page 165 of 193

I could not listen to pillar A2 will be needed to understand the new things in NPA, BASEL
classes .Shall I finish those classes etc topics in future.
first or continue with next classes?
Sir is there any changes in CRR
limit for the cooperative banks...
recently the govt. Tried to give
more power and control to RBI of
these banks.... Is their any
29/06/2020 modifications in cooperative bank's
17:15:17 Hritik soni 1 1 CRR section? We will learn about the cooperative banks in pillar1B1
Sir, even after going through the
lectures twice of previous class i
didnt get the concept of CRR and People are depositing money in banks RBI requires the bank
29/06/2020 SLR. Can you brief it in simple? to set aside certain money to ensure safety buffer in the
17:32:07 Aprajita 1 1 Thank you system in the form of CRR, SLR.
Namaste Sir! Is controlling the
currency exchange rate mandatory
for the RBI to acquire foreign We’ll learn that in pillar#3 . presently we are at pillar#1. If
29/06/2020 securities that do not have the you are eager to learn it before then watch the recorded
17:50:59 Swaraj Das 2 1 minimum required value? sessionn s from the previous batch’s course page.
Page 166 of 193

sir I m from biology stream (school)
and I did my graduation in
Agriculture (B.Sc. Ag.)
I am confused about the optional
subject, please guide me what
should I opt
Anthropology
Agriculture
Geography Agriculture more advisable. As u can also apply for IFoS
29/06/2020 sociology (Forest Service exam) And use the same optional there as
18:26:01 Meenakshi Sahu 1 8 Thank you well
The topic is sufficiently simplified and spoonfed in the lecture,
powerpoint and handout in a manner that any graduate level
student aspiring for UPSC should be able to comprehend that
much.
please goto the course page, watch the re-recordings:
https://unacademy.com/course/mrunals-economy-full-course-
Sir I haven't understood the for-upsc-prelims-mains-2021-507/QTOO36CS
concepts in the previous class. The
29/06/2020 relationship between CRR and If still unable to comprehend then you may watch other
18:26:59 kudrat kashyap 1 1 Money Multiplier. economy educator’s lectures or youtube.
Page 167 of 193

Why have you not seen slide 103 before asking this
question?
https://unacademy.com/class/economy-pillar1a2-monetary-
29/06/2020 Sir, does change in SLR has any policy2-quantitative-tools-crr-slr-repo/SE011IEP
19:13:10 Avinash Kumar 1 1 effect on money multiplier?
Sir, Post office saving schemes are regulated separately under
banks have to keep CRR and SLR the post office savings bank act by the government
to prevent bank run
29/06/2020 so what about post office money- RBI norms related to CRR SLR do not apply to post office.
19:26:21 Rahul sinha 1 1 do they keep reserve or not? (Except for the India post payment Bank )
Sir, you said inflation increases
employment. But, is it not true that
the opposite is true? Because
during each inflation, IT industries
experience a setback in their job
market. Recruitment suffers, there
are job cuts, etc. I probably am not
getting the conceptual clarity here. Philip curve is valid within certain limits of inflation only.
29/06/2020 Hence, kindly help me with this If the inflation of onion is 50000 rupees per kilo then no one
19:45:48 Panda 1 8 doubt. will buy it and then farmer will drop all the farm labourers.
Page 168 of 193

The loan which is given by the bank to a borrower, also came
sir you said CRR and SLR are from the deposit of the Depositor. Then where will you plot
aseets of commercial bank.....but that from banks point of view? Asset or liability?
the money kept aside in form of
CRR and SLR are deposit of public It is the same water (money) that is flowing through multiple
29/06/2020 ....then how these are asset of pots. We put labels on those pots for the purpose of
20:03:18 hari om 1 1 bank economics analysis and account keeping
Good evening sir,
With your class economy subject is
going very good.
My query is not related to subject,
but if you help me then I will be
very thankful to you sir. Thank you for your compliments
From last few years,I was totally
detached from study because of
my work life.now only I have This matter is Covered in my “Comprehensive Strategy 2021”
started the preparation for next video during Unacademy Summit. Please watch it at following
year.so for other subjects and how URL:
to make the strategy for next year https://unacademy.com/class/comprehensive-strategy-to-
29/06/2020 it's really hard for me....so sir, can crack-upsc-cse/PL7KLWIX
20:15:55 Mainakroy407@gmail.com 1 8 you help me in this case with your
Page 169 of 193

few ideas which will help me a lot
for my preparation for next year.
Thank you,
Mainak roy
Sir my SSC 10 th Marksheet name
is different(*KUMAR*) Than other
All document,
Is Affidavit is sufficient to represent In the UPSC form you should use the name word by word as
same name OR Is required to it is given in your class 10 marksheet.
Change my name in marksheet ? If there are any changes after words then include the affidavit
29/06/2020 In Gujarat , sir where we can in the DAF form, Which you have to fill before the mains
20:45:40 NareshSosa45 1 8 change the name ?? exam
29/06/2020 What is the difference between LTRO is a limited time tool launched, where total only 1 lakh
20:50:52 unacademy-user-QJV0W4T3XTZP 1 1 LTRO and bank rate? cr will be given and then this window/scheme will close.
A) the game between RBI and its
clients is between G-sec and is T-
bill not included? 1. T-bills also included. Every time it is not mentioned in
the PowerPoint or hand out because it will break
B) assets of RBI issue department down the speed of revision
29/06/2020 does not include bank notes (2- 2. Every bank note says “I promise to pay the bearer….”
21:00:43 Shivam Agrawal 1 1 2000)? So they are liabilities and not assets for RBI
Page 170 of 193

If you have already taken print then no need to take print
again
- Idea approach for old batch students = (original

handout from your batch+ wincsp20 series ke
Handout & powerpoints for updating it, available at
sir mere pass lst yeaar ka handout https://mrunal.org/download#Win20CSP ).

- No need to take separate printout of this new
he to koi problem he kya i m
handout going in the present batch. Yes it contain
attainding ur class but recorded
some new current affairs for example Iran’s toman
29/06/2020 some time so new handout ka
currency but in future I will cover that in your
21:01:16 agarwal 1 7 printe lena hoga Win20CSP handout as well. So, need not worry.
Sir, in the strategy course u said
that 30-40 minutes of newspaper is
compulsory to read . Rest u can
manage it from monthly
magazine.sir according to u , Can
news paper reading be started
once finishing the core subject like - Finishing the core syllabus of subjects will take
after finishing polity reading polity anything between 4 to 6 months or more. it is not
related articles from the newspaper advisable to stay out of touch from newspaper for
29/06/2020 so that our understanding of article that long. Daily one should find time to spare some
21:15:48 Prithvishprithu 1 1 would have enhanced . Is this 30-40 minutes
Page 171 of 193

effect the overall preparation a bit
or is it going to effect in a long run?
. I am aiming 2021 Upsc CSE
exam
sir, i am preparing for 2021 , so for
mains nd pre do i need to look at
contemporary current of 2017
onwards like B N srikrishnan
commitee ,privacy adhar etc.. nd
prepare notes on them ?? sir ,how
to make notes for those issues ,
short notes or just reading or long
notes need to be prepared as it can
come in mains.plz guide fir mains
how much time span is the most
29/06/2020 safe for contemporary affairs are - No need to make notes just go through last two years
21:41:25 muskan khare 1 8 required to clear 2021 current affair PDF files you will find these things
Sir aap bahut interesting way me
example de k padhaate hai (e.g.-
29/06/2020 jeethalal ka) turant mind me aa
21:41:33 Dheeraj Gupta 1 1 jaata hai Thank you
Page 172 of 193

SIR, i have some doubt related to
Operation Twist
can it be helpful in reducing
CORPORATE NPA of commercial
bank. bcz as per my understanding
the risk of the losses here passes
to bond investors. if co are unable
to pay the return.? pls clear my
doubt if possible Answerewd in Slide 26
29/06/2020 https://unacademy.com/class/economy-pillar1a2-monetary-
21:42:57 kusum K 1 1 thank u sir policy4-optwist-psl-qualitative-tools/FANJ182J
The topic is sufficiently simplified and spoonfed in the lecture,
powerpoint and handout in a manner that any graduate level
student aspiring for UPSC should be able to comprehend that
much.
Please goto the course page, watch the re-recordings:
https://unacademy.com/course/mrunals-economy-full-course-
for-upsc-prelims-mains-2021-507/QTOO36CS
If still unable to comprehend then you may watch other
29/06/2020 Sir I am not able to understand economy educator’s lectures or youtube.
21:46:02 Aayu._sharma._ 1 1 SLR and CRR exemption
Page 173 of 193

1. If you made a fixed deposit for 5 years. The
timeperiod is over, but you are not visiting the bank to
withdraw it, then it becomes ‘overdue’ from banks
29/06/2020 What is the meaning of '' overdue point of view. So, Afterwards when ever you go, bank
21:54:47 Sonu kumar 1 1 balance in fixed deposits ''. is supposed to give the money to you
29/06/2020 What is the meaning of '' overdue
21:54:57 Sonu kumar 1 1 balance in fixed deposits ''. Replied in previous cell
negative bond yield kyu late hai koi
29/06/2020 because they can keep in bank and Because italian banks are also on the verge of collapse, So
21:59:04 shivam kasana 1 1 otherwise dont invest not safe to keep money there
29/06/2020 sir mss me government paisa kaha
22:05:06 shiv kumar 2 1 se lati h rbi ko intrest dene ko From consolidated fund of India.
It is shown that the aim of MSS is
to reduce money flow. But through
MSS, when RBI buys G-Sec, RBI
29/06/2020 is paying to Govt. So Its actually
22:11:07 KiranGKrishnan 1 1 increasing the money supply right? Refer to the table given in the page 49 of handout
SIR SORRY FOR THE QUESTION
NOT RELATED TO ABOVE
29/06/2020 CLASSIFICATION, BUT WANT TO Current affairs PDFs are supplements but not substitute for
22:13:30 RAVI YADAV 1 1 KNOW IF I SKIP NEWSPAPER the Newspaper reading. Which is required for building the
Page 174 of 193

READIND DAILY AND REVISE clean vocabulary, grammar and language proficiency for the
MONTHLY MAGAZINE OF IAS essay paper
PARLIAMENT TWICE IN A
MONTH . IT LL COMPLETE MY
NEED OF CA.
I have made the the slide number 27 specially for that
purpose:
29/06/2020 operation twist ki simple words me https://unacademy.com/class/economy-pillar1a2-monetary-
22:13:40 vishal keshari 2 1 meaning kya hai nhi samjh aaya policy4-optwist-psl-qualitative-tools/FANJ182J
In comparison table of MSS AND
OMO it is mentioned that OMO
increase liquidity but sir in OMO
,RBI can sell securities as well
which will decrease liquidity
29/06/2020 So is it correct to say that OMO
22:16:51 Anubhav vashishtha 1 1 always increase liquidity? Refer to the table given in the page 49 of handout
Step1: Go through the previous years topic wise question
sir maine apni prepration jaldi he papers for prelims and mains. It will give you an ample idea
start ke hai ,plzz mujhe polity aur of what type of questions are asked and how much depth is
29/06/2020 geography k liye koi educator required for a given topic. You will find them at
22:17:05 mitali 1 8 suggest kar dejiye plzz sir Mrunal.org/prelims and Mrunal.org/mains
Page 175 of 193

Step2: You can find the list of all good educator with ranking
at https://learn.unacademy.com/plus/goal/KSCGY/educators
But you can look at educators’ ranking and their total watch
time, sit in a few lectures, it’ll give a good idea. And because
you have already observed the previous years question
papers to have fairly good idea on whether they are teaching
in an exam oriented manner or not. For a given subject,
Which of the educator is best and which of them is less good
or “Watch this teacher’s lecture but do not watch that
teacher’s lecture.”= I am unable to comment in that format,
because I am a company employee. Our model is like
Netflix/Amazon prime. You can watch the shows which you
find important for your exam. So, the real question is, “is xyz
lecture important for the exam?”
Ans. Go through syllabus and previous years papers Topic
wise. Begin reading some core subjects. Sit through a lecture
you’re interested in it. Automatically you will get a taste of
what areas are you comfortable with and in what areas you
have to watch videos.
Page 176 of 193

Step3: one should not spend more than 30 to 40 hours a
week watching lectures remaining time should be spent in
actually reading the books and study material (minimum
reading list list is mentioned on the page 1 of your handout)
Please see slide number 20 and 21 of following lecture And
design your weekly allocation of lectures versus reading
accordingly
Sir can I see your video offline
because iam working professional
in night shift I have no time in
night... And also during thish day
iam study the polity&geo so can I
29/06/2020 use this course after complet my...
22:17:21 TILAK kashyap 1 8 Both sub Yes you can
29/06/2020 Is TLTRO a selective tool of the
22:19:38 Utkarsh 1 1 RBI ? Subset of repo rate therefore quantitative tool
29/06/2020 Sir i am preparing for upsc 2021 ,i Better to watch the lecture 1234 in sequential manner. Next
22:20:36 honeysharma1999 1 8 missed ur starting 7 lecture of this match may be launched after 6 months
Page 177 of 193

course,should i continue this batch
for upsc 2021 from lecture 8
onwards or not ? Or wait for new
course of you
29/06/2020
22:45:49 Utkarsh 1 1 Is - ve SCC still in effect? No. those methods are discontinued.
handouts?
sir only handouts is sufficient or I have addressed this query sufficiently at the lecture 1’s slide
need to study from book as well ? if 97 to 106 itself. Please re-watch the recorded session at
yes then what book to refer when. https://unacademy.com/class/economy-introduction-faq-
29/06/2020 and please decode the upsc about-course-upsc-prep/JDQMR3FR
23:03:42 sahil tomar 1 8 syllabus once if possible...
Sir i want to practice economic
MCQ questions topic wise , I
couldn't find anything , can u
please suggest me any source
from where i can practice MCQ Sufficient MCQs are provided in the weekly test and handout.
29/06/2020 topic wise. It's a humble request pls Further, https://mrunal.org/prelims#T25
23:17:58 Navdeep Baghel 1 7 tell any source, topic wise MCQ
Page 178 of 193

questions of economic. Thank you
sir .
While I am empathize with your request but Hindi medium
Sir main hindi medium se hu aap jo handout related Queries are sufficiently addressed in the
quize dete h usme questions sirf lecture 1’s introductory part → slide 48 onwards.
English me rahte h jo mujse
hamesha wrong ho jate h agar vahi https://unacademy.com/class/economy-introduction-faq-
29/06/2020 questions sir Hindi me bhi kr digiye about-course-upsc-prep/JDQMR3FR
23:21:10 Diksha Mishra 1 7 plz sir
Two hand outs have been uploaded so far. By handout#2
Sir, In handout 2 only 32 pages are we’ve reached page 58, if u look at the bottom footer of the
there whereas you were saying 50- PDF file.
29/06/2020 70 pages. Please check and guide Course Page → update button → right hand sidebar → scroll
23:30:45 Nemesh Kumar Deshmukh 1 1 me. down to download older handouts.
sir i am previous batch student.
today i found a question regarding
depository (nsdl cdsl) in vision test
series.Sir u have taught that in
depository shares are kept in
29/06/2020 materialised form and then through Then ask their quizmaster where are the physical shares
23:30:53 CKB 1 1 depository participant demat stored, if not inside NSDL’s lockers?
Page 179 of 193

account are opened of the
customer and trading is done of
dematerialised shares but in the
question i found that it is saying
that shares are kept in
dematerialised form in nsdl also
and not in physical form..please
help sir
hello sir i'm attending your
economy class at 9 pm, I am
currently reading INDIAN
EXPRESS but the kind of editorials
that are coming in it are related to
china,corona some of which are
not too useful for the exam, What
should I do here, should I shift to
29/06/2020 https://unacademy.com/@mehulanand- The hindu or keep reading Indian Same Tamasha is also going in the Hindu newspaper. It is
23:31:26 1975 1 8 express? Regards MEHUL ANAND not like that it is any better
we have to prepare such type of
29/06/2020 question in which CRR is Not combinations just linear sequence of single tool
23:31:29 VIJAY SHARMA 1 1 increasing , SLR decreasing, how it individually as given on page 49 table
Page 180 of 193

will effect inflation/liquidity?. or
other such combinations consisting
of different quantitative and quality
tool.
Good evening Sir,
Sir please suggest an educator for
CA on unacademy it will help me
alot and if possible then give us 2-3
mains question to write from what
you taught in same week, it will - Not possible to serve more things than what I am
cover our mains portion also by already doing. Otherwise quality cannot be
answer writing and we don't have maintained in the core part of economy teaching
to rush anywhere. itself,if i parallely pickup 5 other activities.
- Further my Thoughts about this entire Mass Hysteria
29/06/2020 Thank you sir for your awesome of mains answer writing is given at
23:32:41 Rahul Singh 1 1 handout and teaching style. https://youtu.be/htcu1I2PAtk
Sir . Here r my doubts.
1.Why the RRBs & Small banks 1. PSL = 40%. Internal quota = 10% for weaker section
have more PSLs??? Like 75℅ & etc. “Why do RRB and small banks are required to do
29/06/2020 what is the difference between the more quota i.e. 75%?” Ans. So they can help those
23:33:28 Sripad Padhiary 1 1 PSL & internal quota?? priority sectors. if you think this is illegal or you’ve
Page 181 of 193

2.Why the PSL certificate is not better suggestions then send suggestion to RBI to
illegal as it is issued without the remove it
right actions. 2. This question also falls under the category of moral
3.Are there any norms or outrage. if you think this is illegal or you’ve better
regulations in the positive way of suggestions then send suggestion to
SCC of RBI for the borrowers of RBI/Govt/Supreme court to remove PSLC. Until that
high loans..?? is implemented please prepare the things as they are
given in the hand out. In Single one word type MCQ
ke topics mein Why is there a need to “overthink” so
much? This type of attitude and approach in
preparation will slow you down in finishing the
syllabus.
3. No.
Good evening Sir
Sir first of all thank you very much
for teaching in such a lucid
manner!
29/06/2020 My question is: How do banks earn - If they invest in G-sec, Government will pay them
23:34:04 Vaishali 1 1 profit on keeping SLR with them? interest= profit.
Page 182 of 193

Sir kindly suggest me some books
29/06/2020 for my basics in economy for This economy handout is the thing you should be reading for
23:36:17 Sripad Padhiary 1 1 Prelims. prelims. Separately no need to buy anything.
I am having trouble in answer - Prerequisite for a good answer writing is that person
writing. Not being able to to finish should have finished the core syllabus, has read
in time. Also, once I finish writing, I newspaper columns for atleast 4 months, read
feel that the answers could have supplementary material like yojana-kurukshetra,
been much better. I am missing out NCERT Class11-12 Sociology and political science
in including some points, logical books etc.
order sometimes and some points - My Further thoughts are given here:
29/06/2020 don't come to my mind while writing https://youtu.be/htcu1I2PAtk
23:36:50 Nilesh Das 1 8 but I know them. Kindly help sir.
Contemporary issue = Something that is not part of the theory
but is older than 1 year. Examples: go through previous
topicwise papers of mains
Sir, How can I know the topic is
contemporary? please elaborate by https://mrunal.org/2020/05/download-upsc-mains-general-
giving few examples. I can't studies-paper-1-topicwise-2013-19.html
understand properly it. Not only in
29/06/2020 Economy but in other papers too. https://mrunal.org/2020/06/download-upsc-mains-general-
23:38:17 Raina chanu 1 8 Pls elaborate sir. studies-paper-2-topicwise.html
Page 183 of 193

https://mrunal.org/2020/06/download-upsc-mains-general-
studies-paper-3-topicwise.html
1) sir can a commom man
purchase G-SEC like bhide and
jetha were taking?
2) sir as bank take loans through
REPO or LTRO by SLR G-SEC so
now again they need to maintain
that 18%SLR . so now will those G- 1. No he can’t. He will have to invest indirectly through
SEC that they have given to RBI to mutual funds, Insurance companies pension funds
take loans will be counted in their 2. No. SLR is counted only on deposits received by
18% min SLR? bank.
3)sir in market repo if NBFC have 3. They will use government securities, Sometimes
29/06/2020 to take loan from commercial bank company borrow money from banks by pledging their
23:41:36 vikas yadav 1 1 what will be collateral? company's shares/assets, bank may use it.
Page 184 of 193

Sir ,the Market Repo is not a part
29/06/2020 of Monetary Policy.Have I
23:56:25 Pratiush 1 1 understood it correct? Yes You have understood correctly
Is RBI bound to accept the
Government Security (bills) that are
sold to RBI. If not, then whom will
30/06/2020 the Govt. approach to sell those G RBI is the public debt manager of government so it will have
00:58:07 PIYUSH SINGH 1 1 Sec and T Bills? to accept
In every batch some students will ask this question and
therefore there is a special slide dedicated just for that
How Rupee Coins and 1 Re Note Slide #27
30/06/2020 is an asset for Issue Dept. of RBI? https://unacademy.com/class/economy-pillar1a2-monetary-
01:12:42 PIYUSH SINGH 1 1 How will RBI earn profit out of that? policy2-quantitative-tools-crr-slr-repo/SE011IEP
Pranam Sir,
As we have seen that in Italy - Italian pension and mutual fund companies → If they
people invest in German bonds etc. invest in Italian banks those banks are so bad/verge
and they get negative bond yield. of collapse that even more loss will be occurred.
My doubt is that why they invest in Italian pension and mutual fund companies may not
those bonds? They can keep the be able to keep it client’s money in their own hands
30/06/2020 money in banks or with themselves because Italian regulatory norms may require that it
01:40:17 Aakanksha 1 1 in their hands. At least zero yield is must be invested somewhere within “X” days.
Page 185 of 193

better than negative yield. Then
why they do so?
Thank you sir
Sir, in case of recession, Bond
yield for G-Sec holders would be
30/06/2020 low. Would it be same for company
04:20:15 Divyanshu Dagar 1 1 bond holders? yes.
Sir, in case of recession, Bond
yield for G-Sec holders would be
30/06/2020 low. Would it be same for company
04:20:22 Divyanshu Dagar 1 1 bond holders? Replied in previous cell
Thank you for your compliments.
Hi sir.. Banks primary task is to accept deposits and give it as loans
and thereby help in the economic growth of the country.
Like in the MCQ done in lecture 8 increase in the reverse repo rate will encourage the bank to
in which the assertion " increasing become idle/lazy, park deposits in RBI, which slows down
the reverse repo rate can help in the cycle of loans. Therefore it will not help in economic
boosting the economic growth" was growth.
30/06/2020 false.
06:09:18 UnacademyUser19 2 1
Page 186 of 193

If the same statement is asked in
context of repo rate is it appropriate
to say -
"no such impact on economic
growth as the scheduled
commercial banks have no other
option but to accept the the repo
rate provided by the reserve Bank
of India as they will eventually get
profit from loaning it out to some
third player and economic growth
will be the same this the bank will
earn less profit.. therefore no direct
positive Or negative correlation ..
only banks' profits are
compromised a bit"
This might fall in Birbal ki khichdi...
Category but such a small block
Page 187 of 193

can hinder the mental connections
regardingthe concepts
Thanks a lot..
Big fan of your Punctuality ,
simplicity and that huge knowledge
base.
Google lures customers with free things to Attractive you in
its ecosystem of gmail, youtube etc. Ultimately it will make
G-pay uses upi platform and and money from advertisements. Apparently RBI has given them
neft system,and neft charges fee leniency to launch apps without registration. otherwise such
for transaction.But when we large company With access to all the personal data and
30/06/2020 transfer money on G-pay it is free financial information, should be forced to register with RBI
06:21:33 Shoaib Ahmed 1 1 of cost why? whenever they develop a money transfer app.
At this time of corona crisis rbi is
using its monetory policy to
stabilize economy by reducing the
30/06/2020 crr,slr,repo rate etc. But at the We will learn the limitations of monetary policy in the next
06:25:47 Shoaib Ahmed 1 1 same time the diesel and petrol lecture
Page 188 of 193

prices are also increasing rapidly
(inflation).How will it control
inflation of fuel if it is reducing the
monetory policy terms?
crr,slr,repo rate etc. But at the
same time the diesel and petrol
prices are also increasing rapidly
(inflation).How will it control
30/06/2020 inflation of fuel if it is reducing the
06:25:51 Shoaib Ahmed 1 1 monetory policy terms? Replied in previous cell
crr,slr,repo rate etc. But at the
same time the diesel and petrol
30/06/2020 prices are also increasing rapidly
06:25:58 Shoaib Ahmed 1 1 (inflation).How will it control Replied in previous cell
Page 189 of 193

inflation of fuel if it is reducing the
monetory policy terms?
During the earlier months of
lockdown rbi has reduced the basic
points of repo rate by 75 points and
then by 40 points.That means While the graph is given in the handout for reference, but No
30/06/2020 totally they have reduced repo rate need to prepare data in such ball-by-ball commentary
06:28:36 Shoaib Ahmed 1 1 by 1.15%(75+40)? manner.
Hi sir aapke Jo AAP pahale
handout dete the jisme class ke Because of the Corona outbreak → some might hesitate
saath kuch fill bhi Katana tha vo going out every week to get printouts. I do not want to
30/06/2020 notes nahi dekha ye de rage hai. catalyse the speed of corona among students, by forcing
06:44:25 Pratiksha oimbe 3 9 Please guide me. Thank you sir them to go for printouts with blanks.
Hi sir aapke Jo AAP pahale
handout dete the jisme class ke
saath kuch fill bhi Katana tha vo
30/06/2020 notes nahi dekha ye de rage hai.
06:44:34 Pratiksha oimbe 3 9 Please guide me. Thank you sir Replied in previous cell
Sorry sir i had asked a wrong Google lures customers with free things to Attract you in its
30/06/2020 question previously. Correct ecosystem of gmail, youtube etc. Ultimately it will make
07:04:13 Shoaib Ahmed 1 1 question->G-pay uses upi platform money from advertisements. Apparently RBI has given them
Page 190 of 193

which uses imps system. Then why leniency to launch apps without registration. otherwise such
it do not charge fee for transaction. large company With access to all the personal data and
financial information, should be forced to register with RBI
whenever they develop a money transfer app.
1. What limits Govt from printing
more coins like RBI has its limits( 1. Explained in slide 23.
money must be equal to assets it https://unacademy.com/class/economy-pillar1a2-
has) monetary-policy2-quantitative-tools-crr-slr-
2. In incremental CRR there is zero repo/SE011IEP
interest, again its a loss to banks in 2. It was a temporary measure only for a few weeks.
30/06/2020 paying interest to depositors, how Later, RBI bought those excess deposits through
08:59:19 Ravali Challa 1 1 did banks manage? MSS bonds.
1. Monetary policy is not some Harry Potter magic
1.If Rbi can control inflation and wand, that can solve all the problems of economy. If
deflation indirectly then why our people do not have the education skill factories do
economy is very slow compared to not have consistent supply of electricity we cannot
china's economy? produce more.
2. How are G-Sec sold/bought 2. Through the E Kuber online platform of RBI
easily by rbi and commercial bank? 3. anthro>polsci>pubad.
30/06/2020 3.Optional-Political Science,Public 4. Go through the previous years papers topic wise
09:00:07 mohitchotu7020 1 1 Administration,Anthropolgy --- automatically you will begin to get idea.
Page 191 of 193

which is good for engineering
graduate?
4.Sir as you said don't go into
depth for studying economics-then
how to determine if the topic is
relevant for anysubject
economics/geo/polity-from a
newspaper point of view?
Sir, under operation twist, RBI sold
short term G-Sec, so it will lead to
decrease in it's demand, thereby
decrease in it's price, thus - Sequence A → B doesn’t necessarily lead B → A. if
increasing its yeild .. So ultimately you have corona → difficulty in breathing. So, If you
30/06/2020 there will be inverted yeild curve .. have difficulty in breathing → Does it compulsory
09:00:09 Akshita 1 1 won't it lead to recession then? mean that you have Corona?
1.Sir yesterdays 1995 mcq ans is
option D I marked it right but Did you close the video before seeing slide number 100?
marginal requirement/LTV is a https://unacademy.com/class/economy-pillar1a2-monetary-
30/06/2020 qualitative tool how it can come policy4-optwist-psl-qualitative-tools/FANJ182J
09:07:59 Keerthanabingi 1 1 under selective credit control?
Page 192 of 193

2. Diff bw acquiring bank and issue
bank?
Previous years questions of economy are already given in
30/06/2020 Sir ,when i have to practice pyq of topicwise manner in your handout as we are progressing
09:29:49 DEEPAK KUMAR GUPTA 1 2 economy. through different pillars.
M0 Formula is given in ppt and hand out.
maximum utility is a simple straightforward MCQ from formula
Usmein ye kyo nhi? Woh kyo nhi? Ans = i could have created
sir M0 me post office currency 5 more slides to explain that but I didn't see the utility of
30/06/2020 (demand or time deposit) kao nahi investing anymore time in it from the exam point of view.
09:45:01 agarwal 1 1 add kerte he #Kohli’s-wedding-photo-frame #Thoda-Padho-Aagey-Badho.
1. Is LTRO ,TLTRO, FLEXIBLE
30/06/2020 LIQUIDITY WINDOW ,MSF ,MSS
09:53:12 Shubham anand 2 1 Is monetory policy tool? Yes they are
Not necessarily. For example the price of gold may continue
Whatever money is there in market to change Thereby changing the asset side balance. But that
30/06/2020 today , RBI(Issue Dept) has that doesn’t mean RBI governor’s liability is removed. He is bound
09:55:18 Rohit Lakade 1 1 much assest at their side? to honour the promise written on every currency note.
Page 193 of 193

1 Doubts - BatchPCB1 - 22-06 - 6PM - To - 30-06-20 - 10PM

Uploaded by

Copyright:

Available Formats

1 Doubts - BatchPCB1 - 22-06 - 6PM - To - 30-06-20 - 10PM

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

1 Doubts - BatchPCB1 - 22-06 - 6PM - To - 30-06-20 - 10PM

Uploaded by

Copyright:

Available Formats

Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB1) Discount Code: ‘Mrunal.

‘Batches’ as ‘Matches’ and ‘mocktest’ as ‘locktest’ etc.

22 JUN 6PM ONWARDS

Current affairs PDFs are supplements but not

substitute for the Newspaper reading. Which is

required for building the clean vocabulary, grammar

and language proficiency for the essay paper

Also observe the topic wise previous year question

should I read newspaper or watch current affairs in CA-PDF.

22/06/2020 videos on unacademy like lectures of Aman Sir... ?

issues are addressed in detailed manner.

Sir i am preparing for 2021......as u said in 1st

class the those who are preparing for 2021 should

dekhna mushkil h aur magazines me sb kuch exhaustively

18:35:19 Sanjana Pandey 1 8 miss na ho.......help me sir the lecture 1 itself

Dear sir, I am a working professional who doesn't

have more than 5 hours of study time in a day. I

have never previously prepared for UPSC. Also,

I'm planning to take mathematics as optional

software engineer. I have a degree in Computer

Science from IIT Kharagpur.

- Always good to hear students from the

previous batch. I hope You are in good health

and your preparation is on track.

- - Ideal approach for old batch students =

(original handout from your batch+ wincsp20

series ke Handout & powerpoints for updating

- - No need to take separate printout of this new

handout going in the present batch. Yes it

contain some new current affairs for example

Iran’s toman currency but in future I will cover

that in your Win20CSP handout as well. So,

need not worry.

- - I will finish the win20CSP series before

for interview-stage, isliye do keepup with

affairs . I am confused that how to do current detailed manner.

affairs from 2019 ,not getting sufficient time right

now . And I also planing mains writing practice and https://unacademy.com/class/economy-introduction-

optional ,etc . As you know a lots of syllabus is to faq-about-course-upsc-prep/JDQMR3FR

22/06/2020 be covered . Kindly guide me how to do Old CA

19:25:29 adityaagrahari000999 1 8 and mange my studies.

Sir I started preparation from may and currently

focusing on core subject and everydays current

affairs . I am confused that how to do current

affairs from 2019 ,not getting sufficient time right

now . And I also planing mains writing practice and

optional ,etc . As you know a lots of syllabus is to

22/06/2020 be covered . Kindly guide me how to do Old CA

19:25:10 adityaagrahari000999 1 8 and mange my studies. Replied in previous cell

This is WRT your handout of course ended on May

14, 2020. On pg 240 of the same, WTI index crude

price has not been mentioned, although it was

recently in the news for its prices going in the

negative (due to the falling demand resulting from

Has this been updated in your subsequent batch

handouts/WinCSP handouts, or is it not important

from exam POV? Kindly clarify.

Sufficiently Explained in the respective lecture under

please goto the course page, watch the re-recordings: