CONTENTS

Editors Desk 1

Current Affairs 2

nt s
Articles
Indias Secularity is in danger Why I am returning my award

nt s
Science Technology
nte
News Makers Banking & Finance

nte
Co

Fundas for you 30

Eco Funda

Sector in focus 31
FMCG Dabur India Limited
Co
Career in focus 34
nt s
nt s

Staff Selection Commission

SSC Paper
nte
nte

MBA Corner 42
Feature : Great Lakes Institute of Management, Gurgaon
Feature : Indian Institute of Foreign Trade, Delhi
Co
Co

Career Prospects in Human Resource Management

Stock GK 48
Nickname of Countries President of India
nt s

Prime Ministers of India Vice Presidents of India

Personality of the Month : Angela Merkel 54

nte

nt s

GK Paper of the Month : 2008-2009 56

Fun Corner 61
Co

nte

Crosswork Sudoku
PHREE
Neither A Hawk Nor A Dove
By Khurshid Mahmud Kasuri
Co

Adobe Capture CC and Adobe Illustrator Draw

 Indias secularity is in danger

The gathering interrogation of the government by civil society represents a widely-shared critique of the regime
which speaks to a larger current of discomfort against the politics of the right and the rampant cultures of violence
perpetrated by it.

The campaign started by 40 writers returning the Sahitya Akademi awards to the government to protest against the
growing climate of intolerance, is still unfolding. More and more artists, painters, filmmakers, scientists, historians
and academics have joined their ranks in the past month to register their protest against intolerance. The October
protests are in response to a series of incidents that have occurred in the country, violating the constitutional rights
of people. While it is difficult to pin down one incident, the Dadri lynching was perhaps a turning point for many.

The Dadri lynching and the murder of prominent rationalist scholar M.M. Kalburgi and before that of rationalists
Narendra Dabholkar and Govind Pansare raise disturbing questions about the new cultures of intolerance and the
failure of governments at the Centre and states to stem the rising tide of hatred and prejudice. Anyone who questions
any aspect of religious taboos or religious ideologies in the intellectual or artistic sphere, or in terms of ideas, food
habits and lifestyle has been threatened with violence.

Official response to the events surrounding the politics of hate has been weak to non-existent, and this is a part of
the problem. The government has displayed ambivalence; not one minister, leave alone the Prime Minister, has
spoken unambiguously against it. The Prime Ministers belated reaction to the Dadri incident was that it was really
sad; however, he asked what the Centre could do when law and order is the responsibility of the State government.

Extremists emboldened
But the killing of Kalburgi and Akhlaq were no ordinary crimes. The issue is not about the responsibility of this or
that government but the highly vitiated atmosphere prevailing in the country which has emboldened extremists. In
this context, we must not forget that the Sangh Parivars ideology and its activists were directly involved in the
crimes and they have succeeded in creating an ambiance of fear and disharmony. Even MLAs, MPs and Ministers
have openly propped up the accused without fear of action against them.

However, the attempt here is not to provide a register of events of rising intolerance and the ideological assault on
reason, nor an account of the protests so far. The focus is on a more interesting issue the response to the protests.
The responses range from the Finance Minister Arun Jaitley, who also holds the Information and Broadcasting
portfolio, dismissing them as a manufactured rebellion by the supporters of the Congress and Leftists who have
opposed Modi long before he became Prime Minister to the RSS hitting out at the long-standing intolerance of
intellectuals towards the Sangh and Hinduism.

Constitutional guarantees
The intellectuals have been accused of double standards and giving support to an orchestrated campaign to
target the National Democratic Alliance government. Hence, the critics demand evidence of the past history of
protestors and where they were when the country was rocked and looted with huge corruption scandals by the
UPA, or the Emergency, the 1984 riots, and Ayodhya controversy and so on. Mr. Jaitley also called the protests
politics by other means even though it is straightforwardly political. When intellectuals, artists, and writers
protest against the government and its inaction in situations of communal conflict, they are making a political
statement. But in doing so they are not acting as proxies for parties they are speaking for constitutional rights
that guarantee the freedom to live, express and think differently. These freedoms guaranteed by the Constitution are
the very antithesis of the core beliefs of majoritarianism, religious intolerance, social exclusions and their disregard
for freedom of expression.

2
 The second response is that these things have happened before, why did these people not protest then? It is certainly
true that this is not the first time that pluralism, free speech and dissent are under attack. These freedoms have been
frequently under attack during Congress regimes but there was no dearth of protests then. As an observer of
political mobilisation and oppositional movements, it is surprising to read or hear politicians and media anchors
proclaim that the present protest amounts to selective outrage because there were no protests in the past. For
those who have short memories or scant knowledge of contemporary Indian history, its important to remind them
of the rich history of protests, agitations and demonstrations, starting with opposition to the Emergency to the massive
anti-rape protests which shook the Congress-led United Progressive Alliance (UPA) government in December 2012.

Equally, in the past three decades or so there have been major oppositional movements, both at the individual and
collective level, against the communal give and take of the Congress government on the Ayodhya/Shah Bano
controversies, the blatant vote bank politics of the party manifest in its decision to overturn the Supreme Court
judgment in the Shah Bano case, the ban on Salman Rushdies book, Satanic Verses, to mention some of the more
significant ones. Time and again, many of the intellectuals associated with the protests at this moment have raised
their voices against intolerance and injustice irrespective of the party in power. For instance, several of the 300
artists who have signed the pledge in support of writers returning their state awards, have, in the past, backed
campaigns by Sahmat, an organisation of artists and intellectuals, that has continuously spoken against human
rights violations, mobilising and defending freedom of expression and democratic rights.

Even if some of these individuals did not protest in the past, it does not mean that they do not have the right to
protest now. This argument suggests that protesters ought to choose a time and issue that suits the government. The
protests have nothing to do with the Congress or for that matter any party. The BJP leaders, by repeatedly saying that
Congress has instigated these protests, are giving the party unnecessary credit and attributing to it a hitherto
unknown capacity for social mobilisation.

Furthermore, its an old ploy to pick on individuals and belittle them to discredit the protest and thus evade the
critique of the government. It is diverting attention from the substance of the protest to the political motivations of
the protestors. At one level, it is an individual protest, but at another level, the protestors form a collective civil
society response to the general atmosphere of intolerance. In the event, the government cannot simply dismiss it as
a rebellion of the disgruntled elites. As The Hindu editorial of October 30 notes: Civil society has started a
conversation that Central Ministers and BJP spokespersons cannot dodge by questioning the individual record of
protestorsThe questions civil society members are articulating and threading together challenge the discourse
and activities of persons and organisations intimately invested in the BJPs political project.

Movement in the making

The October protests might well take the shape of a movement a possibility that was reflected in the public
response to Pratirodh (resistance), an event organised and attended by intellectuals, historians, authors and
artists in New Delhi on November 1, 2015 to denounce the attack on reason, democracy and composite culture.
Present at this event were different sections of civil society who are standing up and speaking out for the need to
safeguard liberal space and the future of Indian pluralism. In sum, major protests are underway and they are
getting louder by the week. The government has a responsibility to acknowledge the public dissatisfaction these
signify; their long-term success or failure may not be the immediate issue.

The gathering interrogation of the government by civil society represents a widely-shared critique of the government
which speaks to a larger current of discomfort against the cultural politics of the right and rampant cultures of
violence perpetrated by it. There is growing recognition that the attack on free speech and dissent are part of a
concerted movement to impose a communal agenda on India. The issues at stake are not just free speech but
pluralism, citizenship and rights. All of these are foundational ideas and principles of the Indian Republic that has
greatly valued its traditions of debate and tolerance. This is a moment for asking questions and talking back to
power, aggregating the growing intellectual opposition into a moral force that can provoke an unequivocal critique
of discordant ideologies and politics.

3
Why I am returning my award
Please spare me the old Congress-vs-BJP debate. Its gone way beyond all that.

Arundhati Roy

The SahityaAkademi is Indias premier institution of letters, with a stated commitment to promoting Indian literature
throughout the world.

Although I do not believe that awards are a measure of the work we do, I would like to add the National Award for
Best Screenplay that I won in 1989 to the growing pile of returned awards. Also, I want to make it clear that I am not
returningthisawardbecauseIamshockedbywhatisbeingcalledthegrowingintolerancebeingfosteredbythe
present government. First of all, intolerance is the wrong word to use for the lynching, shooting, burning and mass
murder of fellow human beings. Second, we had plenty of advance notice of what lay in store for us so I cannot
claim to be shocked by what has happened after this government was enthusiastically voted into office with an
overwhelming majority. Third, these horrific murders are only a symptom of a deeper malaise. Life is hell for the
living too. Whole populations millions of Dalits, Adivasis, Muslims and Christians are being forced to live in
terror, unsure of when and from where the assault will come.

Today, we live in a country in which, when the thugs and apparatchiks of the New Order talk of illegal slaughter,
they mean the imaginary cow that was killed not the real man who was murdered. When they talk of taking
evidence for forensic examination from the scene of the crime, they mean the food in the fridge, not the body of the
lynched man. We say we have progressed, but when Dalits are butchered and their children burned alive, which
writer today can freely say, like BabasahebAmbedkar once did, that to the untouchables, Hinduism is a veritable
chamber of horrors, without getting attacked, lynched, shot or jailed? Which writer can write what
SaadatHasanManto wrote in his Letters to Uncle Sam? It doesnt matter whether we agree or disagree with what is
being said. If we do not have the right to speak freely, we will turn into a society that suffers from intellectual
malnutrition, a nation of fools. Across the subcontinent it has become a race to the bottom one that the New India
has enthusiastically joined. Here too now, censorship has been outsourced to the mob.

I am very pleased to have found (from somewhere way back in my past) a National Award that I can return, because
it allows me to be a part of a political movement initiated by writers, filmmakers and academics in this country who
have risen up against a kind of ideological viciousness and an assault on our collective IQ that will tear us apart
and bury us very deep if we do not stand up to it now. I believe what artists and intellectuals are doing right now is
unprecedented, and does not have a historical parallel. It is politics by other means. I am so proud to be part of it.
And so ashamed of what is going on in this country today.

Postscript: For the record, I turned down the SahityaAkademi Award in 2005 when the Congress was in power. So
please spare me that old Congress-versus-BJP debate. It has gone way beyond all that. Thanks.

4
 Long term course for

Our Achievers

Ronjeet Poddar Monisha Purwar Pawan Gharariya Aashi Goya

AIR-4 AIR-576, AIR-43 AIR-1199,
AIR-220 (Girls) State Rank-93 AIR-485 (Girls)

Kopal Garg Somya Goswami Ujjwal Singh Harsh Arya

AIR-1289 AIR-3960 AIR-2634 AIR-2096
AIR-520 (Girls) AIR-1705(Girls) State Rank-494 (Categary Rank-29)
State Rank-764

Nagpur: 0712-6564631
Jhansi: 85629 34733
Siliguri : 0350-02561186
Hubli: 9449457219
Bhubaneshwar: 7504994901
National News

14% deficit in rainfall: The monsoon season ended with a 14% deficit, making it the weakest monsoon since 2009. In
terms of average countrywide rainfall during the season (June-September), this year was the third lowest since
1979, the other acutely deficient year being 2002.

Helicopters to lay transmission lines to speed up J&K power project: Close on the heels of PM Narendra Modi rocking
a galaxy of US I-Way stars, an American engineering company is poised to shake up Indias brick-and-mortar power
sector by using helicopters to lay transmission lines for the first time in the country.

Aeronautical Development Establishment gets new chief: MVKV Prasad has been appointed as Director of
Aeronautical Development Establishment (ADE), which is a key aeronautical systems design house under DRDO. ADE
is involved in the research of widespread aeronautical technology as well as Unmanned Aerial Vehicles. Prasad,
took charge from MZ Siddique.

Boost for HAL chopper complex plan in Tumakuru, Cabinet agrees to clear power lines: The ground has been cleared
for setting up of a helicopter complex in Tumakuru for Hindustan Aeronautics Limited (HAL), state-run aircraft
manufacturer, where Light Utility Helicopter or LUH will be made. The ground work for the complex is expected to
begin in December.

Radar integration: Indian Air Force signs Rs 8000 crore deal with Bharat Electronics Limited for the extension of its
programmes integrating all civil and defence radars across the country.

NHAI to looks to the skies for real time tracking of road conditions: National Highways Authority of India (NHAI) is
preparing an ambitious plan for real time tracking of road conditions using the scientifically mapped and updated data,
and feed from Isro and NECTAR. While Isro uses satellite imageries, Nectar uses drones to map the geographical areas.

Worlds largest social change platform launches in Hindi on Gandhi Jayanti: On the occasion of Gandhi Jayanti,
Change.org, the worlds largest platform for social change, launches its website in Hindi, in a move designed to
open up the digital campaigning space to crores of Indian

Odisha gets its 1st 100% solar-powered village: October 2 this year marked a life-changing transition for the 350-
odd dwellers of Baripatha, a tribal village about 25 km southwest of Bhubaneswar. It made history by becoming the
first village in the state to be powered entirely by solar energy.

Death toll of Indians in Hajj stampede rises to 58: India has lost 58 nationals in the Hajj stampede in Saudia Arabia
last month while 78 are still missing,

Bangladeshi terrorist involved in Burdhwan blast had acquired Aadhaar, Voter Card: Tarikul Islam, the Bangladeshi
terrorist arrested in connection with Burdhwan blast, is believed to have acquired Aadhaar card and Voter Card to project
himself as an Indian citizenship and avoid being arrested by the NIA, official sources said in New Delhi on Sunday.

Conmen used 580 duplicate cards to dupe bank of Rs 2.84 cr: The Kotak Mahindra Bank recently detected a massive
fraud in which 1,730 transactions worth Rs 2.84 crore were carried out using credit cards it had never issued. The
cards, 580 in all, were fabricated by the fraudsters and used for online shopping and making payments in seven
countries - Canada, USA, UK, Germany, Brazil, France and India - between July 2 and September 10.

Merkel pledges 1 billion euros for solar energy: As many as 18 MoUs and letters of intent and a new German
assistance package for over 1 billion euros for solar projects in India - taking overall commitments to more than 2
billion euros - were sealed during inter-governmental consultations led by Prime Minister Narendra Modi and
German Chancellor Angela Merkel

Government to fast-track green clearances for Sagarmala project: The government is embarking on the Sagarmala
project aiming to trigger industrial development along the coastline and develop smart cities near key ports such as
Kandla and Paradip. To fast track the ambitious projects and achieve visible progress, which needs green clearances,
government will start the process of getting the approvals as soon as it sets up the Sagarmala Development
Company (SDC)

6
 Indian scientists developing sanitary napkins from jute: The National Jute Board (NJB) in collaboration with the Indian
Institute of Technology - Kharagpur is developing jute-based sanitary pads which could help prevent cervical cancer.

First of its kind solar dome to be inaugurated at New Delhi: In a first of its kind initiative in the country, the city
based Arka Ignou Community College of Renewable Energy headed by solar power expert S P Gon Chaudhuri has
installed 100 solar domes in a cluster of slums in New Delhi that is scheduled to be inaugurated by union minister of
Science and Technology Dr Harsh Vardhan on October 8. The solar domes, which has been developed by the renewable
energy college after extensive research work, has been designed to lighten up interiors of a building structure.

Soon, safety tests must for all vehicles:Vehiclemanufacturers,particularlycars,cannotescapecomplyingwiththe

best international standards for safety from 2017 onwards, heavy industries secretary Rajan Katoch indicated that
the industry should get ready for this.

India not among the best places to die either: Research across 80 countries has found that end-of-life care in the UK
is the best in the world, thanks to the extensive integration of palliative care into its National Health Service and a
strong hospice movement. Australia was placed second best for good palliative care, followed by New Zealand,
Ireland, Belgium, Taiwan and Germany. They were followed by the US, Netherlands and France. The 2015 Quality of
Death Index has placed India shamefully low - 67th among 80 countries -when it comes to people receiving good
end-of-life care.

Govt pushes obsolete Tejas on reluctant military: The government has turned down the militarys
request to expand the acquisition of 36 fighter planes from Dassault Aviation SA to plug vital
gaps, nudging it to accept an indigenous combat plane 32 years in the making.

Man Mohan Bhanot appointed Indias ambassador to Syria: Senior deputy secretary in the finance division of external
affairs ministry, Man Mohan Bhanot, has been appointed Indias next ambassador to the Syrian Arab Republic.

Government approves Rs 500 crore project for war memorial, museum: Acceding to a long-pending demand of the
armed forces, the government approved a Rs 500 crore project for building a National War Memorial and a
National War Museum near India Gate in memory of over 22,500 soldiers who laid down their lives post-
Independence.ThetotaltimeforcompletionoftheentireprojectatPrincessParkhereisestimatedtobefiveyear.

Maharashtra guarantees Rs 180 crore loans to sugar factories: The Maharashtra government has guaranteed loans
worth Rs 180 crores to sugar factories in the state to help them raise finances for this years crushing season. The
move will primarily benefit 22 sugar factories that are in the red.

Cabinet approves setting up of 3 new AIIMS: NEW DELHI: The Cabinet on Wednesday approved
proposals for setting up three new All India Institutes of Medical Sciences (AIIMS) at Nagpur
(Maharashtra), Manglagiri (Andhra Pradesh) and Kalyani (West Bengal) under Pradhan Mantri
Swasthya Suraksha Yojna (PMSSY) at a total cost of Rs 4,949 crore.

Rs 476 crore German aid for Andhra Pradesh power sector: In a major boost to the power sector in AP, Germany has
agreed to extend Rs 476 crore interest-free loan for development of a green energy corridor in the state. The AP
Transco has been identified as the developer for the first of its kind project in the country. The green corridor will
evacuate power generated by solar and wind power projects which are under construction in Rayalaseema districts.

Korean economist Hoesung Lee takes Pachauris place at the head of UN climate body: South Korean economist and
energy expert, Hoesung Lee, was elected as the new chief of the Intergovernmental Panel on Climate Change (IPCC),
succeeding Indias R K Pachauri who had to resign from the UN body in the wake of an allegation of sexual
harassment against him by a junior colleague.

Top 5-star hotels Lalit, Taj, Le Meridien under CBI radar for alleged Rs 700-crore license fee violations: Stepping up its
probe into alleged violations by top five star hotels in Lutyens Delhi, the Central Bureau of Investigation (CBI) has
asked the New Delhi Municipal Corporation (NDMC) to submit records on Hotel Lalit, Hotel Taj Mahal and Hotel Le
Meridien. Details have also been sought for Hotel Aresco in Lodhi Garden and Gesture Restaurant in Akbar Hotel.

Operation Valsalya to track missing children in Kerala: Taking a serious view of the increase in the number of
children missing in the state, the Kerala government has launched a programme to trace, rescue and reunite the

7
 little ones with their family. According to police statistics, as many as 69 children have been kidnapped or abducted
across the state till June this year. While 116 children had been kidnapped in the state in 2014, the number was 136
in 2013 and 147 in 2012.

Mumbai is the cheapest world city to live in: Report: Of 12 cities considered the most cosmopolitan in the world,
Mumbai is the cheapest city to live and work in, says Savills World Research.

E-gazette to save Rs 40cr, 90 tonnes of paper annually: Government estimates it will save 90 tonnes of paper (worth
Rs 40 crore) annually which is used to print 3.5 crore pages of gazette notifications every year, as it stops their
physical printing and introduces e-publishing. The move will also save power, chemicals, colour and dyes, which is
a major environment-friendly initiative.

Golden Triangle by three Shatabdi trains: Indian Railway Catering and Tourism Corporation (IRCTC) has rolled out a
rail-based weekend travel package from November 21 that allows fast-paced travellers to zip through the Golden
Triangle the three historic and vibrant cities of Delhi, Agra and Jaipur in three Shatabdi Express trains.

Maharashtra govt to observe Kalams birth anniversary as Reading Inspiration Day: Maharashtra government has
announced forthcoming birth anniversary of APJ Abdul Kalam as Reading Inspiration Day on October 15 with an
appeal for undertaking befitting activities to inculcate the habit of reading.

CBI conducts 50 more raids over Bank of Baroda fraud: The CBI continued its raids in connection with the alleged
black money transfer of Rs 6,172 crore from Bank of Baroda to Hong Kong. CBI officials said 50 locations belonging
to private companies, on whose name accounts were opened in the Ashok Vihar branch of Bank of Baroda to make
forex remittances, were raided.

Sahitya Akademi to hold emergency meet as writers return awards in droves: The Sahitya Akademi will hold an
emergency meeting on October 23 to discuss the alarming exodus of literary icons from the fraternity and writers
returning their awards. Several elite writers and poets have also
resigned their posts in the 20-member General Council of the
countrys top literary body, saying that they were shocked at the
level of intolerance on freedom of speech and expression. Hindi
writer Uday Prakash was the first to return the prestigious award.
Writer Nayantara Sahgal and poet Ashok Vajpeyi followed Prakash in protesting the muders of rationalists like MM
Kalburgi, Govind Pansare and Narendra Dabholkar. Over 25 litterateurs have returned the prestigious Akademi
award, while four have resigned elite posts of the organisation.

Direct benefit transfer scheme saves over Rs 14,000 crore on LPG subsidy in a year: A total of Rs 14,672 crore is
saved in LPG subsidy in a year as a result of direct benefit transfer, the government said

Portugal, India sign agreement on Nalanda University: Lending it a further international character, Portugal has
become the 17th country to sign an agreement with India on the establishment of Nalanda University. The MoU from
the Portuguese side was signed by Secretary General of the Ministry of Foreign Affairs Ambassador Ana Martinho
and Ambassador of India to Portugal Jitendra Nath Misra.

One in 13 world cancer patients is Indian: Study: The National Cancer Institute (NCI), a unit of US Department of
Health and Human Services (USDHHS), has observed that India shares a large proportion of the global cancer
burden, with rising mortality rates. The situation can improve with dissemination of scientific information among
the general populace, claimed NCI officials.

DRDO Missile Complex in Hyderabad to be named after Kalam: Defence minister Manohar
Parrikar will rename the missile complex in Hyderabad, which includes Research Centre
Imarat (RCI), Advanced Systems Laboratory (ASL) and Defence Research and Development
Laboratory (DRDL) was been renamed APJ Abdul Kalam Missile Complex on the occasion of
the 84th birth anniversary of Dr Kalam, the Missile Man.

Indias first automatic vehicle inspection and certification centre beacomes operational in Nashik: The countrys first
automatic vehicle inspection and certification centre at the Nashik Regional Transport Office

8
 Odisha targets Rs 10,000 crore from marine export by 2020: Chief minister Naveen Patnaik said that Odisha is the
first state in the country to adopt a comprehensive fishery policy, targeting to achieve revenue worth Rs. 10,000
crore from marine food exports by 2020.

Soon, NSG to deploy women commandos for anti-terror operations: The National Security Guard (NSG), popularly
known as the black cats, will soon deploy its women commandos for anti-terror operations along with male
commandos, which never happened earlier. The black cats had earlier successfully killed the Lashkar-e-Toiba
fidayeen attackers in 26/11 Mumbai attacks, an operation which was seen live by the whole world.

Govt announces post-doctoral research fellowship in APJ Abdul Kalams name: The Union environment, forests and
climate change ministry has announced launching of post-doctoral research fellowships for young scientists in the
name of Indias former President Dr A P J Abdul Kalam.

New airport for Sikkim by December next year: Sikkim will get its first airport at at Pakyong which is 35 km from
Gangtok, operational from December 2016, which will provide a direct connectivity to the land-locked state and
help boost tourism.

G Narayana Raju appointed Legislative Secretary: Senior Indian Legal Service officer G Narayana Raju was today
appointed as the legislative secretary, the top draftsman of the government. Raju was with the legislative department of
the law ministry till recently in various capacities. In May, he was appointed the member secretary of the Law Commission.

Rail Neer scam: CBI arrests two suspended railway officers: CBI arrested senior railway officers Sandeep Silas and
MS Chalia who are facing probe in Rail Neer corruption case. The two senior officials were earlier suspended by the
railways following searches carried out by CBI in connection with alleged corruption in supply of packaged drinking
water in premium trains.

Nepal FM admits problems with constitution, seeks Indias help with movement of trucks: Nepal foreign minister
Kamal Thapa walked into the prevailing chill in India-Nepal relations but acknowledged that there were problems
with the new Nepali constitution. He also asked India to help in movement of food and fuel trucks into Nepal,
specially during the Dussehra festival.

Govt plans to utilize unused infrastructure in engineering institutes for skill training:Thegovernmentisplanningan
innovative strategy to use the approximately 4.5 lakh engineering and polytechnic seats that stay vacant every year
to teach skill training courses.

Government plays ball as collegium clears 24 judges: Quashing of the National Judicial
Appointments Commission (NJAC), a revived Collegium, headed by Chief Justice H L Dattu, cleared
the names of 24 additional judges for appointment as permanent judges without any resistance
from the Union government.

Nations first gold mine to be auctioned in Chhattisgarh: For the first time in the country, Chhattisgarh government
is all set to publicly auction the states only known gold mine, Baghmara, for mining operations much on the lines
of coal block auctions.

Cabinet okays maritime pact proposal between India and Egypt: The government approved a proposal for maritime
transport agreement between India and Egypt. The agreement, once signed, will help both countries facilitate
development of their maritime relationship and cooperate for a steady growth of maritime traffic, exchange and
training of staff and students, it said.

TIFR breakthrough in malaria vaccine: A fortnight after Chinese doctor Tu Youyou won the Nobel Prize in Medicine for
her anti-malarial medicine; scientists from Mumbais Tata Institute of Fundamental Research (TIFR) have published
a research paper on their early success with a candidate vaccine for malaria.

Japan offers India soft loan for $15 billion bullet train: Japan has offered to finance Indias first bullet train, estimated
to cost $15 billion, at an interest rate of less than 1 percent, officials said, stealing a march on China, which is
bidding for other projects on the worlds fourth-largest network.

9
 CBI examines former Isro chief Radhakrishnan in Antrix-Devas deal:FormerIsrochairmanKRadhakrishnanhas
been examined by CBI in connection with the agencys probe into alleged irregularities in an agreement between
private multimedia company Devas and Antrix, the commercial arm of Indian Space Research Organization. The
move came at a time when Antrix has been slapped a fine of about Rs 4,400 crore (672 million dollars) by international
arbitration court for unilaterally terminating the contract with Devas which was planning to use the spectrum to
launch satellite-based multimedia services on hand-held devices.

MEAs sought 55 sedans: Mercedes: Luxury carmaker Mercedes-Benz today said Indias Ministry
of External Affairs (MEA) has placed an order to lease 55 top of the range E 250 CDI luxury
sedans.Thehigh-endsedanswillbeusedbythevisitingforeigndignitariesofministriesincluding
the head of states, presidents, prime ministers and top diplomats, it said in a statement.

IAF to have women as fighter pilots by 2017: Women fighter pilots in the Indian Air Force will soon touch the skies
with glory with the government approving their induction in combat roles. The announcement was expected with the
IAF chief Air Chief Marshal Arup Raha having revealing the plans to train women as fighter pilots and defence
minister Manohar Parrikar stating that a decision will be taken soon.

Defence scientists develop key technology for Jaguar aircraft: The technology for a critical
component of Jaguar aircraft has been developed by Indian defence scientists at the Defence
Metallurgical Research Laboratory (DMRL), Hyderabad, in association with Mishra Dhatu
Nigam Limited (Midhani), Hindustan Aeronautical Ltd (HAL) and Airworthiness Agencies.

Scientifically validated Rs 5 anti-diabetes herbal drug launched by CSIR: A scientifically validated anti-diabetes
herbal drug, named BGR-34, was launched by a Council of Scientific and Industrial Research (CSIR) lab in Lucknow
on Sunday. A combination of natural extracts from plants, the drug is based on Ayurveda and has no side effects. The
drug is for management of type-II diabetes mellitus.

No interview for junior government jobs from January 1: There will be no requirement of interview for junior-level
jobs in the central government from January 1. The move is intended to curb corruption and ensure selection in a
transparent manner. There will be no requirement of interview for Group D, C and Group Bs non-gazetted posts in
central government.

Geeta, who crossed to Pakistan by mistake as a kid, finally back after 10 years:Geeta,theyoungIndianwomanliving
in Pakistan after she accidentally crossed the border over 10 years ago when she was a child, is finally back home
in India. The young woman, who is 23 years old now, arrived in Delhi airport.Senior diplomats from the Pakistan
high commission received Geeta on her arrival at Indira Gandhi International airport..The Indian high commission
said that Geeta would be handed over to her family only if their DNA test matched.

7.5 magnitude earthquake hits Hindu Kush in Afghanistan: A massive earthquake of 7.5 magnitude on the Richter
scale, with the epicentre in the Hindu Kush region of Afghanistan, rocked the northern Indian subcontinent around
2:45 pm.The US Geological Survey said the epicentre was 45 km south-southwest of Jarm in Afghanistan, around 240
km from the capital Kabul. It put the intensity at 7.7 on the Richter scale. The Pakistani met department put the
intensity even higher - at 8.1.

WHO calls for urgent action to check climate change: TheWorldHealthOrganization(WHO)

has called for urgent action to avoid climate change by reducing emissions of black carbon,
ozone and methane as well as carbon dioxide. This is the first time that the agency has
recommended actions that countries must take to reduce emissions that account for more
than seven million premature deaths annually.

Railways receive Rs 2000 crore assistance from LIC for projects: Railways received Rs 2000 crore from Life Insurance
Corporation (LIC), the first tranche of its financial assistance for investment in 50 projects involving construction
of new lines and electrification of routes as part of its capacity augmentation programme. Railways had signed an
MoU with LIC in March this year for financial assistance of Rs 1.5 lakh crore over the next five years for construction
of new lines and route electrification. There is a five-year moratorium on interest and loan repayment. IRFC will
issue bonds worth Rs 2000 crore to LIC as part of the arrangement between railways and the national insurer.

10
 Over 26,000 houses to be built under first Pradhan Mantri Awas Yojana approval in Chhattisgarh: The Centre has
sanctioned its first project under Pradhan Mantri Awas Yojana (PMAY) for Chhattisgarh, under which 26,908 houses
would be constructed in the state, a senior official said. Under the scheme, the Chhattisgarh government would
develop 26,908 houses with an expenditure of about Rs 1,900 crore while the Centre would allocate an aid of Rs 190
crore for the purpose.

Gatimaan Express to become operational by March 2016: By March 2016, Indias fastest train Gatimaan Express
will start operating between New Delhi- Agra cantt stations.

India records largest number of Tuberculosis cases in 2014: India recorded the largest number of Tuberculosis cases
in the world last year, according to a report by the WHO that said 1.5 million people died in 2014 from the disease
which ranks alongside HIV as a leading killer worldwide. World Health Organisations Global Tuberculosis Report
2015, released, said that of the 9.6 million new TB cases in 2014, 58 per cent were in the South-East Asia and
Western Pacific regions.

India to give 100 MW more electrictiy to Bangladesh by January: India will start transmission of fresh 100 MW
electricity from Tripura to Bangladesh by January and the government-owned company is working round-the-clock
to erect the transmission line by December, an official said.

No handwritten passports after Nov 24: Indian citizens with handwritten passports will have to get them replaced
with machine-readable ones. The International Civil Aviation Organization (ICAO) has set a deadline of November
24 for the global phase-out of all non-Machine Readable Passports (MRPs). Thereafter, foreign governments may
deny a visa or entry to a person travelling on a non-Machine Readable Passport, a circular from the ministry of
external affairs said.

Lieutenant General Sahi is Central Commands new Chief of Staff: Lieutenant General Ravindra Pratap Sahi (Ati
Vishisht Seva Medal) took over as chief of staff (COS), Central Command. He succeeds Lieutenant General GS Shergill
(VSM). Before assuming the charge in Lucknow, he was posted as Commandant of Officers Training Academy, Chennai.

International News

Google unveils its prototype self-driving cars: Google unveiled its prototype driverless cars this
week at its Mountain View, California headquarters to delighted applause that echoed around
the world.

Norway plans to strengthen presence in India, to open new consulate in Mumbai : Norway plans to strengthen its
presence in India and Haiti while it would be closing down its embassies in Kazakhstan, Bulgaria, Zambia and
Zimbabwe in 2016.

CST, Eiffel Tower, White House among monuments lit up in pink for Breast Cancer awareness: CST,
Eiffel Tower, White House were among monuments lit up in pink world over to increase awareness
about Breast Cancer.

Swedish centre right in favour of NATO membership: STOCKHOLM Swedens Christian Democrats voted to push for
Sweden to join NATO, meaning all four parties from the centre-right opposition are now in favour of NATO membership
while the present red-green coalition government is against.

Univ of Chicago, Princeton churn out maximum Nobel-winning economists: Angus Deaton became the sixth economist
affiliated with Princeton University to receive a Nobel prize. Deaton was awarded about $975,000 by the Royal
Swedish Academy of Sciences for his research into policy responses to poverty and how individual choices shape
a broader economy

American rights group sues psychologists who designed CIAs torture programme : The American
Civil Liberties Union (ACLU) on behalf of three former detainees of CIA has sued two psychologists
who designed and implemented the CIAs torture programme, the rights group said.

11
 Israeli PM Netanyahu highlights closer bonding with India under Modi India needs Israel - Prime Minister Narendra
Modi has told in un-equivocal terms to his Israeli counterpart Benjamin Netanyahu. This was revealed by the latter
in Knesset, the Israeli parliament. He also said he speaks quite often to Modi.

U.S. announces new moves to limit super greenhouse gases : New administrative measures and private sector
pledges to phase down the use of hydrofluorocarbons, potent greenhouse gases used in refrigeration and air
conditioning, will reduce its consumption by the equivalent of 1 billion metric tons of CO2 through 2025.

Nepal elects first woman speaker of parliament following new govt formation: Nepalese lawmakers
elected the countrys first woman speaker of Parliament following formation of a new government
after promulgation of the Constitution.

China to invest $78 bn to build 110 nuclear power plants by 2030, will overtake US: China plans to
build 110 nuclear power plants by 2030 with an investment of over $78 billion overtaking the US
which has 100 such plants amid criticism that Beijing is yet to implement enough measures to
develop safety controls in existing projects.

Barack Obama extends US military mission in fragile Afghanistan into 2017 President Barack Obama
announced plans to keep nearly 10,000 US troops in Afghanistan through most of next year and 5,500
when he leaves office in 2017, casting aside his promise to end the war on his watch and instead
ensuring he hands off the conflict to a successor.

Apple told to pay $234 mn for using BITS graduates tech without permission Tech giant Apple has
been told to pay $234 million to the intellectual property arm of Wisconsin University, Madison,
for using without permission patented technology developed by its team, including two Indian-
American engineers.

Pak to appoint ex-army general as new NSA, Sartaj Aziz relieved of his role: Pakistan is set to appoint a retired
general as the new National Security Advisor (NSA), in a move that shows further strengthening of armys grip of
security affairs of the country and its dealings with India.

India, Russia take forward Druzhba-Dosti vision at inter-governmental commission meeting: India
and Russia took forward their time-tested friendship and their Druzhba-Dosti vision as External
Affairs Minister Sushma Swaraj co-chaired a crucial inter-governmental commission meeting
with Russian Deputy Prime Minister Dmitry Rogozin.

Chinese president hosted by Queen at Buckingham Palace state banquet: Chinese President Xi
Jinping kicked off his first state visit to the UK by hailing the friendship between the two
countries, which he expects to hit a new height.

Russia says to build military base on contested Kurile Islands: Russia plans to build a military base on the Kurile
islands, a group of Pacific islands it seized from Japan at the end of World War Two, Defence Minister Sergei Shoigu,
according to the Interfax news agency.

Islamic State is making up to $50 million a month from oil sales: The Islamic State rakes in up to $50 million a month
from selling crude from oilfields under its control in Iraq and Syria.

From Mumbai to Mexico to Giza: World landmarks turn blue to mark UNs 70th anniversary: More than 200 iconic
monuments in nearly 60 countries lit up in blue today to mark the 70th anniversary of the United Nations

U.S. Navy destroyer patrols near islands built by China in South China Sea : The U.S. Navy sent a guided-missile
destroyer within 12 nautical miles of artificial islands built by China in the South China Sea.

President says Indonesia intends to join TPP trade deal: Indonesian President Joko Widodo, speaking after a meeting
with U.S. President Barack Obama, said his Southeast Asian country intends to join the Trans-Pacific Partnership
trade deal the United States has forged with 11 other nations.

12
 Dalai Lamas representatives presented with the Liberty Medal on his behalf: The Liberty Medal has been presented to
representatives of the Dalai Lama in recognition of his efforts to promote compassion and human rights around the world

ITBP to deploy women personnel to guard Indias border with China for the first time: In a first, border guarding
force ITBP has decided to deploy women personnel in combat duties at its high-altitude posts along the Indo-China border

Led by Maggie Nichols, US women roll to 3rd straight world gymnastics title: The U.S. womens gymnastics team won
its third straight world title night, going nearly mistake free to easily grab the gold and state a case as the heavy
favorite to repeat next summer at the 2016 Olympics

India-Africa Forum Summit: China is ahead, but Africas needs and Indias experience are a good fit: The India-Africa
Forum Summit, one of New Delhis most ambitious diplomatic outreach events in over two decades, is underway in
the capital though the gathering of heads of states is slated for the 29-30 October. Modi meets 19 leaders from
Africa, stresses on the need for UN Security Council reform with the leaders dubbing the world bodys current
structure as outdated

Nepals first woman president, Bidhya Devi Bhandari: Bidhya Devi Bhandari, vice chairman of the ruling CPN-UML,
was elected president of Nepal.

PM Modi 10th most admired personality globally, Mahatma Gandhi 4th: WEF survey Prime Minister
Narendra Modi is the 10th most admired personality globally, as per a new survey by the World
Economic Forum.

NATO discussing increasing troops near Russias borders: Member nations of the North Atlantic Treaty Organization
(NATO) are discussing increasing the number of troops stationed along the Russian border and putting them under
formal alliance command, the Wall Street Journal, citing diplomats and military officers. One plan would place
battalions in Poland and three Baltic states, while another would have a single NATO battalion in the area, according
to the newspaper

As Obama weighed patrol to counter China, Pentagon urged faster action: The U.S. naval challenge to Chinas
territorial assertiveness in the South China Sea this week came after months of frustration within the Pentagon at
what some defence officials saw as unnecessary delays by the White House and State Department in approving the
mission. As early as mid-May, the Pentagon was considering sending military aircraft and ships to assert the
principle of freedom of navigation around Chinas artificial islands in the Spratly archipelago after Defence Secretary
Ash Carter requested options to respond to their rapid construction.

With only 105 votes out of 193, Pakistan loses re-election bid for UN Human Rights Council
Pakistan lost its bid to be re-elected to the UN Human Rights Council when its current term ends
this year. It polled just 105 votes in the 193-member General Assembly.

Business News

Pakistan rakes up Kashmir at UN, offers peace formula: United Nations:SpeakingattheU.N.

General Assembly, Pakistan Prime Minister Nawaz Sharif spun a four point peace formula to
resolve the Kashmir issue and lavished praise on China for its proactive role in promoting
peace and prosperity in Afghanistan and the region.Wisdom dictates that our immediate
neighbour refrains from fomenting instability in Pakistan, Sharif said.

Autonomys Mike Lynch counter sues HP for $150 million over $11 billion deal: British tech
entrepreneur Mike Lynch said he would file a claim against Hewlett-Packard for $150 million in
damages over allegations the U.S company made about his role in the acquisition of his software
company Autonomy in 2011.

Worlds extreme poverty population to now account for less than 10%, says World Bank New York:Thenumberof
people living in extreme poverty is likely to fall for the first time below 10% of the worlds population in 2015; the

13
 World Bank said it revised its benchmark for measuring the problem. Extreme poverty has long been defined as
living on or below $1.25 a day, but the World Banks adjustment now sets the poverty line at $1.90 a day.

Apple advances AI quest: Acquires Perceptio, developer of advanced AI for phones Apple Inc.
has acquired Perceptio, a startup developing technology to let companies run advanced
artificial intelligence systems on smartphones without needing to share large amounts of user
data, confirms a Bloomberg report. Perceptio cofounders and AI researchers Nicolas Pinto and
Zak Stone hold PhDs from Harvard and MIT respectively. According to AppleInsider, the duo was
developing AI software capable of recognizing and classifying images without tapping into monolithic stores of data.

Germany to provide 125 mn loans for green energy projects Germany will provide loans worth 125 million
(about Rs 915 crore) for financing two green energy projects in Himachal Pradesh and Andhra Pradesh. Government
of India and KFW (Federal Republic of Germany) yesterday signed two loan agreements worth Euro 125 Millions for
financing two projects under the Green Energy Projects programme.erkel with Prime Minister N

Indian companies mobilise Rs 20,000 cr in Apr-Aug :IndianfirmshaveraisedclosetoRs20,000croreinthefirstfive

months of the ongoing fiscal by way of issuance of shares to promoters and shareholders on a preferential basis to
meet working capital requirements.As per data compiled by markets regulator Securities and Exchange Board of
India (Sebi), companies have raked in a total of Rs 19,843 crore in April-August of 2015-16.

Ericsson 5G radio test bed wins LTE Asia award for Biggest Contribution to 5G Development An independent jury of
industry analysts awarded Ericssons 5G radio test bed with the Informa Telecoms & Medias LTE Asia Award for the
category Biggest Contribution to 5G Development. This is the first time 5G has been recognized as an award
category in the Asia Pacific region by the organization.

Snapdeal to invest $20 mn in gojavas for expanding operations: E-commerce major Snapdeal has invested $20
million (around Rs 130 crore) in logistics firm gojavas to help it expand operations in the country. The funding is
part of the online marketplaces plan of investing $200 million to strengthen delivery and logistics operations.
Snapdeal in March had announced that it will invest $150-200 million in the next one year on expanding its delivery
operations as the competition in the booming Indian e-commerce market heats up.

Japanese Sumitomo Forestry picks up 26% stake in Spacewood: Japanese housing and wood products firm Sumitomo
Forestry has announced its foray into the Indian market by picking up 26 percent stake in Nagpur-based furniture firm
Spacewood for up to $14 million (about Rs 90 crore). Sumitomo Forestry Crest Co, a fully-owned subsidiary of Sumitomo
Forestry, would set up a new manufacturing facility for production of prehung doors by investing Rs 30 crore.

14 Indian families in Forbes Asia list of richest business dynasties; Ambanis on 3rd spot
Washington:FamiliesfromIndiahold14spotsinForbesAsiasinauguralrankingofthetop50
Asian business dynasties with the Ambani family third on the list with a combined fortune of
$21.5 billion. Indias Premji is seventh on the list with a fortune of $17 billion followed by
Hinduja with $15 billion in ninth spot and Mistry ranked tenth with $14.9 billion.

Tech Mahindra bags Internet of Things (IoT) contract from Aircel: Telecom services provider Aircel said it has
partnered with IT firm Tech Mahindra to roll out a comprehensive set of Internet-of-Things (IoT) service offerings.
Tech Mahindra will provide the IoT services in association with Aeris Communications, a Silicon Valley-based IoT
specialist, a statement said.

Hyundai Motor India looks to tap taxi hailing market: Car maker Hyundai Motor India (HMI) is looking at gaining
market share in taxi hailing segment, which is dominated by its rival Maruti Suzuki.

Future Group ties up with Baba Ramdevs Patanjali Ayurved: Retail major Future Group entered
into a partnership with Baba Ramdev-promoted Patanjali Ayurved to sell the latters FMCG
products through its stores with plans for joint manufacturing in future.

China is setting up 10,000 startups a day to revive economy: More than 10,000 startup firms are being set up every
day in China as part of new reforms initiated by the Chinese government to halt the slide of the economy. China sees
more than 10,000 firms born every day amid government support for entrepreneurship and so far about six million
new startups have been setup, Xin Guobin, vice-minister of Industry and Information Technology said.

14
 Dell all set to announce $50 billion EMC buyout today: Dell is all set to announce the biggest tech deal in history.
According to media reports, the privately held PC maker Dell is planning to announce the takeover of data storage
firm EMC Corp. in a deal worth more than $50 billion

Nippon Life infuses Rs 1,196 cr for additional 14% stake in Rel Caps MF arm:InthebiggesteverFDIinIndianmutual
fund industry, Japanese giant Nippon Life today acquired 14 percent additional stake in leading fund house Reliance
Capital Asset Management Company (RCAM) for Rs 1,196 crore, hiking its stake to 49 percent.

Accenture expands its Bangalore Innovation Center for IBM Technologies: Accenture said it is expanding the Accenture
Innovation Center for IBM Technolgies in Bangalore. The Innovation Center now offers global clients access to new services
and solutions using the latest IBM cloud technologies including Bluemix and interaction with an onsite lab.

Google acquires Divshot, to join Firebase team: Google has acquired Divshot, an HTML5 web-hosting platform. It
will be joining the Firebase team, that Google acquired last year in October.Parts of Divshots technology will be
brought to Firebase Hosting. Firebase will be launching a new command-line interfact with a local static web server
powered by Divshots open-source Superstatic library. Existing Divshot customers can migrate to Firebase hosting.

IBM sets up first public cloud data centre in Chennai: In a bid to tap the growing opportunity offered by Indian
financial services sector and the government, IBM has opened its first public cloud data centre in India. Located in
Chennai, the new IBM Cloud data centre offers local customers and end users increased performance and speed for
data traveling to and from the region, the company said. The centre will support Indias growing customer demand
for in-country cloud solutions and offers the full range of SoftLayer infrastructure services from IBM.

FIPB clears Tata-AW chopper facility proposal in Hyderabad: In a significant development, the Foreign Investment
Promotion Board (FIPB) has cleared the proposal for chopper assembling unit up by the Indian Rotorcraft Ltd (IRL),
a joint venture between AgustaWestlandand Tata Sons Limited.The proposal to assembleAgustaWestlands Aw
119kx choppers has been kept pending repeatedly for over two years, without FIPB assigning any reasons.

China to invest $78 bn to build 110 nuclear power plants by 2030, will overtake US Beijing:Chinaplanstobuild110
nuclear power plants by 2030 with an investment of over $78 billion overtaking the US which has 100 such plants
amid criticism that Beijing is yet to implement enough measures to develop safety controls in existing projects.
China will build six to eight nuclear power plants annually for the next five years and operate 110 plants by 2030
to meet the urgent need for clean energy, Beijing-based China Times quoted plan analysts as saying.

Infosys ties up with IBM, creates Bluemix-powered Innovation Lab: IBM has announced a partnership with Infosys.
Under the agreement, Infosys will tap IBMs Cloud platform Bluemix to rapidly prototype, develop and deploy the
next generation of cloud apps for its global client base. The collaboration includes the launch of Bluemix-powered
Innovation Lab for co-creation of apps with clients; training of Infosys developers on Bluemix and cloud app
development skills; as well as Infosys adoption of Bluemix dedicated to leverage its library of cognitive computing
and analytics solutions and other services to build client apps.

Infosys acquires Noah Consulting for $70mn in all-cash deal:ITmajorInfosystodayannouncedacquisitionofUS-based

oil and gas consulting firm Noah Consulting for $70 million (approximately Rs 453.5 crore) in an all-cash deal.

Pruthvi: A Made-in-India chip uses TV white space to connect rural India to Internet Saankhya Labs has designed a
postal stamp-sized chip, called Pruthvi, aimed at connecting Indias rural population to the Internet. The chip,
which has been designed in Bangalore, powers a system which can use television White Space or wasted spectrum
bandwidth to beam Internet to scores of households. The Bangalore-based semiconductor firm Saankhya joins
the likes of Microsoft, Facebook, and Google by aiming to take the Internet to rural India.

Google Apps for Work now free for Microsoft, IBM customers: Google is furiously pushing what
it began nine years back. Launched just about a decade back Google Docs has come a long way
with new, nifty features along the way. In a bid to make it even easier for companies to switch on
to Google Apps for Work, Google has devised a scheme that allows businesses to come on
board even while on an ongoing contract with another provider.

Reliance Group to further invest Rs 46,000 cr in Madhya Pradesh:StrengtheningitspresenceinMadhyaPradesh,theAnil

Ambani-led Reliance Group will invest aroundRs 46,000 crore in sectors such as defence, IT, electronics and energy.

15
 Toshiba to sell sensor business to Sony for around $165 million: Sources Toshiba Corp is set to sell
its image sensor business to Sony Corp for around 20 billion yen ($164.68 million) as part of a
restructuring plan laid out earlier this year, sources with knowledge of the deal said. Toshiba,
whose businesses range from laptops to nuclear power, is undergoing a restructuring after
revelations this year that it overstated earnings by $1.3 billion going back to fiscal 2008/09Image:

Wipro taps IBMs Bluemix cloud platform for development of mobile, analytics apps: Wirpo has signed an agreement
with IBM to use its Bluemix cloud development platform for the deployment of mobile, analytics and machine
learning solutions.

Reliance Industries first corporate house to sign revised listing pact with BSE:RelianceIndustriestodaybecamethe
first corporate to sign the revised listing agreement with the BSE as mandated under the newly introduced Listing
Regulation notified by Sebi.

Reliance Industries pips ONGC to become top Indian energy firm in Platts global ranking New Delhi:RelianceIndustries
has regained the top slot among Indian energy companies on the Platts global list by surpassing state-owned Oil
and Natural Gas Corp. (ONGC) in the rankings for this year.

Govt approves 16 FDI proposals worth Rs 4,722 cr: New Delhi:Thegovernmenthascleared16foreigninvestment

proposals, including that of HDFC Capital and Ageon Religare Life Insurance Company, amounting to Rs 4,722 crore.
The investment proposals were approved following the recommendation for the same by the Foreign Investment
Promotion Board (FIPB), headed by economic affairs secretary Shaktikanta Das.

GoDaddy launches web program for small businesses: For many small businesses in India, buying a domain name,
setting up a website and selling online is perceived to be complex and something that requires professional help.
Confirming this trend is a recent survey released by RedShift Research and GoDaddy, according to which at least 30
percent of the small businesses in India are looking for an internet company to build and manage their website for
them, and another 24 percent are looking for help from a professional web designer.

IBM Cloud is the Cloud for Indian Business Transformation: IBMhasjust launcheditsfirstSoftLayer-poweredCloud
Data Centre in Chennai, part of a 28-data centre network across the globe, with everything from location and
accessibility to power density and redundancydesigned to guarantee security, resiliency, and efficiency for
businesses and governments.

China pips US to emerge as worlds largest e-commerce market: China has exceeded the US to become the worlds
largest online retail market, it said as the online retail transactions reached 2.79 billion yuan ($439 million or Rs
2,864.5 crore) in 2014, one of the key economic achievements of Chinas Internet development during the 12th Five-
Year Plan period (2011-15).

Sports & Entertainment

Squash: Joshna Chinappa stuns world number one Raneem El Welily in Qatar Classic:Joshna
Chinappa today registered one of the biggest upsets of the PSA World Tour season as she
stunned World No.1 Raneem El Welily of Egypt in the first round of the Qatar Classic Squash
Championship here.

WTA Finals: Sania-Hingis overpower Chan sisters to reach 10th final of 2015:Sania Mirza and
Martina Hingis powered past Chinese Taipeis Chan Hao-Ching and Chan Yung-Jan 6-4, 6-2 to
reach their 10th final of the year together at the Womens Tennis Associations (WTA) Finals here
on Saturday

Viswanathan Anand suffers shock defeat to Anish Giri in Bilbao chess:Defending champion
Viswanathan Anand suffered a shock defeat at the hands of Dutch Grandmaster Anish Giri in the
fourth round of the Bilbao Masters final chess tournament here.

IPL 2015 contributed Rs 1,150 crores to Indias GDP: According to the survey, IPLs 2015 season saw around 20 per
cent of attendees visiting from cities other than the host city.

16
 The next years Asia Cup T20 tournament will be held in Bangladesh in February with India hosting
the 2018 edition of the marquee event, said BCCI secretary Anurag Thakur.

Five rings to unite them all: IOC to let refugees compete in Olympics for first time IOC chief Thomas
Bach made the announcement to the U.N. General Assembly which adopted a resolution urging all
countries to stop fighting and observe a truce during the 2016 Summer Olympics

Golf: Emily Pedersen wins Hero India Open; Aditi Ashok best Indian at 13th Pedersen carded 73 for the
final round and her total of even par 216 meant not a single player in the field was in red numbers.

Deepika Kumari wins silver medal in Archery World Cup Final:Incredibly, for all her success,
Deepikas only two international gold medals to date are the famous Commonwealth Games win in
2010 and, two years later, the Antalya stage of the Archery World Cup

Champions! South Africa claim first-ever bilateral series in India after a massive 214-run win
South Africa won their first-ever bilateral series in India after beating the home team by a massive
margin of 214 runs.

Saina slips to World No.2, Indian men also lose ranking spots:Early exits at Japan Open and
Denmark Open proved costly for ace India shuttler Saina Nehwal as she on Thursday lost her
World No.1 crown to All England and World champion Carolina Marin of Spain.

The BCCI said that the IPLs title sponsorship deal with smartphone manufacturers Vivo is for two
years after the company fulfilled its obligation of presenting a bank guarantee.
.

IBL 2: Sahara retains Lucknow, ICS bags Delhi franchise The Chennai team will replace Pune Pistons,
which was owned by Dabur India Limited in the first IBL.

West Indies Marlon Samuels reported for suspect bowling action.Samuels has already served a
near-four year ban from bowling from 2008 over concerns with his action but was allowed to
resume in 2011 after remedial work.

PV Sindhu reaches quarterfinals of Denmark Open:Two-time bronze medallist at World

Championship, PV Sindhu emerged as the only surviving Indian at the Denmark Open after she
secured a straight-game win over Chinese Taipeis Tai Tzu Ying to reach the quarterfinals of the
$650,000 Super Series Premier event in Odense.

Weightlifting: Indias Punam Yadav wins gold in two categories at Commonwealth championships:Punam Yadav
(63kg) bagged gold medals for India in both the senior and junior womens categories on the third day of the 2015
Commonwealth Youth, Junior & Senior weightlifting championships here today.

World Cup Qualifier: Oman rout India 3-0 despite Gurpreets heroics

Younis Khan goes past Javed Miandad to become Pakistans all-time leading run-getter : Younis
set the new mark when he reached 20 with a huge six off spinner Moeen Ali, crossing Miandad
and Inzamam-ul-Haqs tally in one stroke.

Shweta Rathore becomes first Indian female bodybuilder to win silver in Asian championship:
Shweta Rathore became the first Indian female bodybuilder to win a silver medal in the 49th Asian
championship, recently held in Uzbekistan.

17
 Djokovic thrashes Nadal to win sixth China Open title:Djokovic had seven aces to none for his
Spanish rival, and saved both break points he faced in the match.

Formula One: Lewis Hamilton wins in Sochi, takes a massive step towards third world title Lewis
Hamilton took full advantage of his Mercedes team-mate Nico Rosbergs mechanical misfortunes
to seize a commanding victory in Sundays Russian Grand Prix and take a massive step towards a
third world title.

Eight titles in 2015: Sania Mirza, Martina Hingis win China Open.It is the fourth title in a row for the
Sania-Martina pair.

Golf: Lahiri-Scott lose as putter turns cold in Presidents Cup: Anirban Lahiri, returning to action
after sitting out of two sessions, played his heart out but could not get the putter going in the Four-
Ball in the fourth session

One gold, three silver, one bronze: Deborah becomes first Indian cyclist to win in womens elite
section. Deborah won the first ever gold medal in the women elite sprint by defeating the Malaysian
top rider

Cricket Association of Bengal president designate Sourav Ganguly was formally be elected as its chief
at their special general meeting on October 15.

Women cricketers to finally get BCCI central contracts: The long wait for India womens cricketers
ended today when newly-elected BCCI President Shashank Manohar announced central contracts
for them

Biggest title in five years: Venus Williams wins Wuhan Open

ISL season preview: Central sponsorship doubles to Rs 100 cr as 2015 promises better football,
bigger battles. The ISL is back, and theres no palpable mystery like last year. This year, there is an
assured feeling about the tournament.

Science & Technology

The Martian and Reality: How NASA Will Get Astronauts to Mars : NASA has been helping promote
the new film The Martian, which hits theaters across the United States today (Oct. 1), as a way to
publicize its own plans to send astronauts to the Red Planet in the 2030s.

INS Astradharini, India-Made Torpedo Launch Vessel, Commissioned by Navy: The Indian Navy today
commissioned the first indigenously-designed and built torpedo launch and recovery vessel INS
Astradharini here today.

Pluto Has Blue Skies: A new photo beamed home by NASAs New Horizons spacecraft, which performed
historys first flyby of Pluto this past July, reveals that the dwarf planets skies have an azure tinge.

Ancient Mars Had Long-Lasting Lakes, Boosting Chances for Life : Around 3.3 - 3.8 billion years ago,
a series of streams and lakes existed on Mars, filling the Gale Crater with sediment deposited as
layers that formed the foundation for the mountain named Mouth Sharp, says an Indian-origin
scientist who works with NASA.

18
 Earths Gravitational Pull Cracks Open the Moon: Just as the moons gravitational pull causes seas and lakes to rise
and fall as tides on Earth, the Earth exerts tidal forces on the moon. Scientists have known this for a while, but now
theyve found that Earths pull actually opens up faults on the moon.

Amazing Jupiter Shows Slowing Shrinkage of the Great Red Spot: The new OPAL program allowed
the Hubble Space Telescope to capture breathtaking images of Jupiter, confirm that the Great Red
Spot, a storm which has raged on Jupiter for at least 300 years, continues to shrink.

Giant Hole in Sun Is 50 Earths Wide: The sun has sprung a leak: A hole in the topmost layer of the
sun and its magnetic field, the size of 50 Earths, is letting loose an ultrafast solar wind that has
kicked off several nights of auroras down on Earth.

Search For Intelligent Aliens Near Bizarre Dimming Star Has Begun : Astronomers are using the Allen Telescope Array
(ATA), a system of radio dishes about 300 miles (483 kilometers) northeast of San Francisco, to hunt for signals
coming from the vicinity of KIC 8462852, a star that lies 1,500 light-years from Earth.

Nobel Prize in Physics Honors Flavor-Changing Neutrino Discoveries : Takaaki Kajita and Arthur B. McDonald will
share this years Nobel Prize in physics for helping to reveal that subatomic particles called neutrinos can change
flavors, findings that meant these exotic particles have a teensy bit of mass.

China Launches New Communication Satellite for Hong Kong Firm : China today put into orbit a new communication
satellite in a commercial mission by the Long March-3B carrier rocket from the southwestern Xichang Satellite
Launch Centre.

3D Printers Could Build Hearts, Arteries : Off-the-shelf 3D printers could one day help create living organs to aid in
repairing the human body, researchers say. Scientists have developed a way to 3D print models of various anatomical
structures, including hearts, brains, arteries and bones. In the future, this process could be used to create 3D-
printed soft implants in which living tissue can grow to form organs.

Life May Have Begun 4.1 Billion Years Ago on an Infant Earth : Previous research suggested life may have arisen on
Earth3.83 billion yearsago. The new findingssuggest life started 270million years earlier, andonly about 440
million years after Earth formed about 4.54 billion years ago.

Spooky Halloween Asteroid May Actually Be a Comet: NASA researchers said that the big asteroid 2015 TB145, which
will cruise within 300,000 miles (480,000 kilometers) of Earth on Halloween (Oct. 31), may actually be a comet.

Death Star Vaporizes Its Own Planet: 1st Evidence : The planet-destroying Death Star from Star Wars may be
fictional, but a star at the end of its life and only a bit bigger than Earth could be its real-world twin: the star is
currently destroying and disintegrating an orbiting planet bit by bit.

Swim for the Earth: 3D-Printed Bikini Scrubs Water Pollution : Engineers and designers worked together
to create an eco-friendly swimsuit that can help wearers clean up the ocean one stroke at a time.

World Health Organization: announced that there was sufficient evidence from epidemiological studies to show
that eating processed meat can cause colorectal cancer in people.

408 Earthquakes Hit Bay Area City Over Past 2 Weeks: 408 small earthquakes has hit San Ramon, California, over
the past two weeks.

Ozone Hole Is Larger Than North American Continent: Intense depletion of the ozone layer above Antarctica happens
each year. In October 2015 it was more than 1.5 million square miles larger (2.5Mkm2) than in 2014.

Giant Pterosaur Sported 110 Teeth (and 4 Wicked Fangs): A little more than 200 million years
ago, a four-fanged pterosaur flew over the vast desert of Triassic Utah snagging other reptiles
with its toothy mouth, until it met its untimely end on the banks of a dried-up oasis, new
research finds. The pterosaur had a massive wingspan of about 4.5 feet (1.3 meters) about as wide
as a 10-year-old child is tall and sported a total of 110 teeth, four of them inch-long (2.5 centimeters)
fangs, said study researcher Brooks Britt, an associate professor of geology at Brigham Young University in Utah.

19
News Makers

Shashank Manohar on 4 October 2015 was elected President of Board of Control for Cricket in India (BCCI). He was
elected unopposed during a special general meeting called by the BCCI following the demise of Jagmohan Dalmiya.
He is also referred to as Mr. Clean and is also known for his spotless track record and integrity in cricketing circles.

Ashish Bahuguna, the Chairman of the Food Safety and Standards Authority of India (FSSAI), on 4 October 2015 was
given an additional charge of Chief Executive Officer (CEO) of FSSAI.

Hoesung Lee, a Korean professor of economics of climate change, energy and sustainable development, was on 6
October 2015 elected as the Head of the Inter-governmental Panel for Climate Change (IPCC) at its 42nd session in
Dubrovnik, Croatia.

Nobel Prize Winners 2015

Category Names
Physiology or Medicine 2015 William C. Campbell and Satoshi mura for their discoveries concerning a novel
therapy against infections caused by roundworm parasites

Youyou Tu for her discoveries concerning a novel therapy against Malaria

Physics Takaaki Kajita and Arthur B. McDonald for the discovery of neutrino oscillations,
which shows that neutrinos have mass

Chemistry Tomas Lindahl, Paul Modrich and Aziz Sancar for

mechanistic studies of DNA repair

Literature Svetlana Alexievich for her polyphonic writings, a monument

to suffering and courage in our time

Peace National Dialogue Quartet for its decisive contribution to the building of a
pluralistic democracy in Tunisia in the wake of the Jasmine Revolution of 2011

Oscar-winning composer AR Rahman was on 8 October 2015 named as the Cultural Ambassador of Seychelles for
his contribution in enhancing the countrys Art and Culture Development.

Corporate Affairs Secretary Tapan Ray was on 9 October 2015 appointed to the Board of capital market regulator
Securities and Exchange Board of India (SEBI). Ray succeeded Anjuly Chib Duggal on the SEBI board.

20
 Sekhar Basu was on 10 October 2015 appointed as the chairman of Atomic Energy Commission (AEC).
By virtue of this position, he will also occupy the office of secretary, Department of Atomic Energy
(DAE).

K P Sharma Oli was elected as the next Prime Minister of Nepal defeating incumbent Sushil Koirala on 12 Oct 2015

The Sveriges Riksbank Prize in Economic Sciences in Memory of Alfred Nobel 2015 was awarded to
Angus Deaton for his analysis of consumption, poverty, and welfare 12 Oct 2015

IAS officer Alkesh Sharma was on 12 October 2015 appointed as the Chief Executive Officer (CEO) and Managing
Director (MD) of the Delhi-Mumbai Industrial Corridor Development Corporation (DMICDC). His appointment was
approved by the Appointments Committee of the Cabinet.

PS Jayakumar on 13 October 2015 took over the charge of Managing Director (MD) and Chief Executive Officer (CEO)
of state-owned Bank of Baroda. He has taken the charge when the bank is under the scanner for an alleged black
money transactions worth over 6000 crore rupees.

An Indian national, Kundhavi Kadiresan was on 14 October 2015 appointed as the Assistant
Director of the United Nations Food and Agriculture Organization (FAO) and Regional
Representative for Asia and the Pacific. She was appointed at the post by FAO Director
General Jos Graziano da Silva.

Jamaicas Marlon James wins Booker Prize for vivid novel on Bob Marleys attempted murder Marlon James
became the first Jamaican winner of the prestigious Booker Prize for fiction with a vivid, violent, exuberant and
expletive-laden novel based on the attempted assassination of Bob Marley on 14 Oct 2015

Unified Communist Party of Nepal (Maoist) candidate Onsari Gharti Magar was on 16 October 2015 unanimously
elected as the House speaker of Nepal. With this, Onsari Gharti became the first female Speaker in the parliamentary
history of Nepal.

MK Surana was on 16 October 2015 appointed as the Chairman and Managing Director (CMD) of state-run oil
marketer Hindustan Petroleum Corp Ltd (HPCL) with effect from April 2016. He will succeed current incumbent Nishi
Vasudeva who will retire in March 2016.

The Union Government on 19 October 2015 named veteran sports administrator Vijay Kumar Malhotra as the
President of the All India Council of Sports. His position will be in the rank of Minister of State.

The President of India Pranab Mukherjee on 19 October 2015 appointed Justice Tinlianthang Vaiphei, senior-most
Judge of Gauhati High Court, as the acting Chief Justice for the Gauhati High Court.

Former Water Resources Secretary Alok Rawat on 21 October 2015 was appointed as the first male member of
theNational Commission for Women (NCW).

US President Barack Obama on 23 October 2015 designated veteran Iraq expert Brett McGurk as
Special Presidential Envoy to the US-led coalition fighting the Islamic State for Iraq and Syria (ISIS).
President Obama described McGurk as one of his most trusted advisers on Iraq.

Luxembourg ambassador to the United Nations (UN), Sylvie Lucas on 27 October 2015 was appointed as the Chair
of the Inter-Governmental Negotiations (IGN) onUN Security Council (UNSC) reforms.

Senior IRS officer Najib Shah was on 28 October 2015 appointed as Chairman of Central Board of
Excise and Customs (CBEC), apex body on Indirect Taxes. His appointment was approved by the
Appointments Committee of Cabinet (ACC).

Economic Affairs Secretary Shaktikanta Das was on 30 October 2015 nominated as a Director to the Central Board
of Directors of the Reserve Bank of India (RBI). The nomination of Das is effective from 30 October 2015 and until
further orders.

21
 Republican Paul Ryan was on 30 October 2015 elected as the 54th speaker of the US House of Representatives after
fetching the votes of 236 members by the full House of Representatives. Only nine House Republicans voted against
Ryan on the House floor. He succeeds John Boehner of Ohio.

Banking & Finance

Banks cut Base Rate: Four public and private sector lenders - Allahabad Bank, State Bank of Bikaner & Jaipur (SBBJ),
Yes Bank and Kotak Mahindra Bank announced a cut in base rate by up to 0.25 per cent that will bring down the cost
of various kinds of loans. Union Bank has reduced the base rate by 0.35% to 9.65%. Mortgage lender DHFL also
lowered its retail prime lending rate by 0.20 per cent and announced a 0.10 per cent cut to loans written till
December 31, taking the effective lending rate down to 9.55 per cent for loans under Rs 25 lakh.

IDFC Bank Goes Live With 23 Branches: IDFC Bank went live with a soft launch at 23 locations, including 15
branches in rural Madhya Pradesh, becoming the 91st scheduled commercial bank in the country.

UCO Bank Registers Highest Rise in Gross NPAs in FY15: UCO Bank was the worst performer among the public sector
banks registering the highest increase in gross non-performing assets (NPAs) in percentage terms against total
loans last fiscal year.

Bank of Maharashtra Gets Nod to Raise Rs 394 Crore by Equity Shares: Bank of Maharashtra has received shareholders
approval to raise Rs 394 crore by issuing 10.51 crore equity shares on preferential basis to the government. Equity
shares of face value Rs 10 will be issued at a price of Rs 33.47 each.

SBI, German Development Bank KfW Sign $300 Million Loan Facility: Countrys largest lender State Bank of India (SBI)
and German development bank KfW concluded a $300 million (Rs 1,956 crore) loan facility to support rural and
micro enterprise lending in India. The loan has a maturity of 15 years.

Six Insurance Companies Evince Interest to Raise FDI Cap to 49%: At least six insurance companies have evinced
interest in raising the stake of their foreign partners from present 26 per cent to 49 per cent, Insurance Regulatory
and Development Authority(IRDAI) Chairman T S Vijayan

RBI Wants Foreign Apex Bank Risk Weight Linked to Country Rating: The Reserve Bank of India (RBI) said investments
in overseas treasury bills by banks should be linked to the sovereign rating of the country for capital provisioning.
This decision was taken after examining the issue of risk weights in respect of claims on foreign central banks, the
RBI said in a notification. According to the revised norms, foreign central banks with the highest rating will attract
zero risks and accordingly, bonds issued by them will be assigned zero risk weight, it said. Unrated foreign central
banks would invite risk weight of 100 per cent while the lowest-rating banks would attract 150 per cent risk weight.

RBI Move on Loan-to-Value Ratio to Cut Down Home Loan Rates: Crisil: RBIs move to lower loan-to-value ratios and
risk weights for individual housing loans can help bring down interest rates on home loans by another 25-30 basis
points over the next few months. According to Crisil report.

NHB Gives Nod to 6 New Entities to Become Housing Finance Firms: The National Housing Bank (NHB) has granted
permission to six new entities to become housing finance companies. These six companies are Supreme Housing
Finance, Nivara Home Finance, Khush Housing Finance Private, Bajaj Housing Finance Capri, Global Housing Finance
Pvt Ltd and Hinduja Housing Finance Ltd. Thus, as on date, the total number of HFCs registered with NHB is 72.

CBI Searches Bank of Baroda Branches for Rs 6,100 Cr Suspected Black Money Transfer: The Central Bureau of
Investigation (CBI) carried out searches at Bank of Baroda branches here in connection with alleged Rs 6,100 crore
black money, which was transferred to Hong Kong in collusion with bank officials. The unusual remittances were
spotted in the audit report of the bank. Accounts of about 60 companies opened at the Ashok Vihar branch of the bank
are under scanner. The Enforcement Directorate has also registered a case and carried out searches in this connection.

Bandhan Bank to Raise Rs 500 Crore From Investors by March: Newly opened private sector lender Bandhan Bank is
looking to raise Rs 500 crore from existing investors by the end of the ongoing fiscal to fund its business expansion plans.

22
 Yes Bank Selected in Dow Jones Sustainability Indices: Yes Bank said it has been taken into the Dow Jones Sustainability
Indices, making it the only domestic bank to get into the index. The private sector lender has been selected as an
index component of the Dow Jones Sustainability Indices in the Emerging Market Index, a bank release said. The
bank was selected from 116 banks from emerging markets that were invited to apply for the index.

Pension Regulator Seeks Government Support to Widen Subscriber Base: After achieving a new milestone in AUM
(assets under management) and subscriber base early this month, the Pension Fund Regulatory and Development
Authority (PFRDA) is looking for some fiscal support from the government for its ongoing move to expand subscriber base
further. The AUM of its National Pension System (NPS) have crossed Rs 1 lakh crore mark in the first week of October at
around Rs 1,10,000 crore, while the NPS subscriber base also crossed 1 crore-mark in the first week of October.

Have Initiated Reforms to Improve Banking Sector: Prime Minister Narendra Modi said the government has initiated
a series of banking reforms including re-capitalisation of PSU banks, change in rules for hiring top management
and paper-less transactions to curb the black money menace. The Prime Minister said the entire banking sector is
undergoing major transformation with the advent of latest technology.

RBI to Provide More Bank Licences, says S S Mundra: Having allowed 23 new entities to enter the banking space,
Reserve Bank said it plans to grant more licences to promote financial inclusion.You already have two new universal
banks, you may have around 11 payment banks, you may have 10 small finance banks, and going forward, it can be
a continuing activity where new players are released into the arena by Reserve Bank, if everything goes as per the
planning, RBI Deputy Governor S S Mundra said.

RBI Invites Application for Bill Payment Services:TheReserveBankinvitedapplicationsfromentitiesengagedinbill

payments and desirous to operate as Bharat Bill Payment System Operating Units.The Bharat Bill Payment System
(BBPS) will be an authorised payment system operated by National Payment Corporation of India (NPCI), RBI said.

RBI, Bangladesh Bank ink Pact on Information Exchange: The Reserve Bank of India (RBI) has signed a memorandum
of understanding (MoU) with Bangladesh Bank for exchange of supervisory information.The Reserve Bank of India,
today, signed the Memorandum of Understanding (MoU) on Supervisory Cooperation and Exchange of Supervisory
Information with the Bangladesh Bank, Peoples Republic of Bangladesh, the RBI said

HDFC Bank Ranked 27th Safest Lender Globally: HDFC Bank has been rated the 27th safest bank in the world,
according to the latest Bank Safety Ranking by The Banker, a Financial Times publication.The private sector lender
has been ranked 27th globally among 250 banks and stood at number 6 in Asia Pacific region, a statement said.

Reserve Bank Allows NRIs to Subscribe to National Pension System: To enable Indians living abroad to access old
age income security, the Reserve Bank of India (RBI) has allowed non-resident Indians (NRIs) to subscribe to the
National Pension System (NPS).It has now been decided, in consultation with the Government, to enable National
Pension System (NPS) as an investment option for NRIs under FEMA, 1999, the RBI said.

ICICI Bank to Sell 9% Stake in ICICI Lombard to Fairfax: ICICI Bank said it plans to sell additional 9 per cent stake in
its general insurance arm for about Rs 1,550 crore to Prem Watsa run Fairfax Financial Holdings of Canada. Upon
completion of the transaction, ICICI Bank will hold about 64 per cent in ICICI Lombard General Insurance Company
Ltd, while Fairfax will have 35 per cent.

ICICI More Than Halves its Equity in 2 Overseas Arms to 5.2%: ICICI Bank has more than halved its equity investment in
the two arms in Canada and the UK to 5.2 per cent at the end of September quarter from 11 per cent as of March 2010.

ICICI Bank has close to a quarter of its assets of Rs 4,09,700 crore with two overseas subsidiaries ICICI Bank UK
and ICICI Bank Canada.

23
 Test your current affairs quotient

1. Which state government has decided to allot 2,720 acres of land To DRDO for DRDOs missile testing project.
A. Andhra Pradesh B. Tamil Nadu C. Maharashtra D. Karnataka

2. Government is going to set six waste-to-energy plants under Swachh Bharat Mission at different locations. Which
of the following is not one the such location?
A. New Delhi B. Jabalpur C. Nalgonda D. Ahmedabad

3. As per RBI, which public sector bank is named as the worst performer in public sector banks with highest number of
non-performing assets (NPAs) recorded against it?
A. Union Bank of India B. UCO Bank C. Indian Bank D. United Bank

4. Name the chairman of the food regulator FSSAI (Food Safety and Standards Authority of India) who has been given
an additional charge of its CEO?
A. Pranay Arora B. Rahul Singh Suri C. Ashish Bahuguna D. Yudhvir Singh Malik

5. Who has been appointed as the Chief Financial officer (CFO) of the ecommerce giant Flipkart?
A. Sriram Venkataraman B. Pramod Jain C. Deepak Narang D. Mukul Tulli

6. Who is going to become the BCCI president after former BCCI president Jagmohan Dalmiya passed away?
A. Sharad Pawar B. Shashank Manohar C. Anurag Thakur D. Sourav Dasgupta

7. Which of the following is not one of the recipient of Nobel Prize in Physiology or Medicine as announced on October 5?
A. Satoshi Omura B. Merin DSouza C. Youyou TU D. William C Campbell

8. Who has won the Wuhan open?

A. Venus Williams B. Garbine Muguruza C. Casey Dellacqua D. Simona Halep

9. As per latest record Indias poverty rate is lowest among countries having large number of poor population. Who
has announced this report?
A. International Monetary Fund B. World Bank
C. United Nations D. Asian Development Bank

10. Which of the following is the Indian Navys first indigenously-designed and built torpedo and recovery vessel which
is commissioned in Visakhapatnam?
A. INS Viraat B. INS Kamrota C. INS Astradharani D. INS Trikand

11. Who has won the Nobel Prize in physics in account of work on neutrinos which shows that neutrinos have mass.
A. Takaaki Kajita B. Arthur McDonald C. Kittas Kronor D. Both A and B

12. Name Pandit Jawaharlal Nehrus niece who has returned the prestigious Sahitya Akademi Award received in 1986 in
lieu of her protest against governments failure to safeguard the Indias diversity and debate.
A. Pratima Kohli B. Priyanka Sachdeva C. Nayantara Sahgal D. Vaani Chhadha

13. With which country has India recently signed an MoU for checking the human trafficking and also to share information
on individuals or agencies doing illegal actions.
A. Bangladesh B. Sri Lanka C. Nepal D. China

14. Which of the following is not one of the winners of the Nobel Prize 2015 in chemistry with prize being awarded for
mechanistic studies of DNA repair?
A. Tomas Lindahl B. Dick Costolo C. Paul Modrich D. Aziz Sancar

15. As a part of Pradhan Mantri Swasthya Suraksha Yojna (PMSSY) Union government cleared a proposal in October for
setting up of three new AIIMS which does not include the place
A. Visakhapatnam in Andhra Pradesh B. Nagpur in Maharashtra
C. Manglagiri in Andhra Pradesh D. Kalyani in West Bengal

24
16. Where is the national war memorial and war museum going to be constructed as approved by union government?
A. New Delhi B. Gujarat C. Rajasthan D. Uttar Pradesh

17. Name the writer who has won the 2015 Nobel Prize for Literature for her polyphonic writings.
A. Poppen Rigas B. Shamilana Petrovick C. Svetlana Alexievich D. Kven Ticco

18. The central government approved the recommendations made by Foreign Investment Board (FIPB) and pproved 16
proposals of FDI by investing an amount of ______.
A. Rs. 4,657.00 crore B. Rs. 4,722.00 crore C. Rs. 4,426.00 crore D. Rs. 4928.00 crore

19. Recently Forbes 50 richest families in Asia list has featured 4 Indian families in top 10. Which of the following is
not one of those 4 families?
A. Godrej family B. Premji family C. Hinduja family D. Mistry family

20. Who has been named as the Cultural Ambassador for Seychelles for giving contribution in the enhancement of
Seychelles Art and Development?
A. AR Rehman B. Anupam Kher C. Javed Akhtar D. Shahrukh Khan

21. Who among the following has been elected as the chairperson of the climate change body Inter-governmental Panel
on Climate Change (IPCC) recently?
A. Deck Daskin B. Hoesung Lee C. Preet Malik D. Dunn Lisahr

22. IAF Chief, Arup Raha has announced to induct women in which of the following streams recently?
A. Meteorology B. Fighter Aircraft C. Ground Duty D.Administration

23. The 2015 Nobel Peace Prize went to which countrys National Dialogue Quartet for its contribution to democracy in
the wake of the Jasmine Revolution 2011?
A. Saudi Arabia B. Yemen C. Tunisia D. Norway

24. Who has won the women doubles in China Open final held in Beijing?
A. Casey Dellacqua and Yaroslava Shvedova B. Roberta Vinci and Simona Halep
C. Sania Mirza and Martina Hingis D. Hao-Ching Chan and Yung-Jan Chan

25. Who has been appointed as atomic Energy Secretary and Chairman of Atomic Energy ?
A. Krishna Banerjee B. Shekhar Basu C. VK Sinha D. Roshan Malhotra

26. Who has been elected as the prime minister of Nepal?

A. Madhesi Janaadhikar B. Khadga Prasad Sharma Oli
C. Sushil Koirala D. Subhash Nembang

27. Name the worlds largest life insurers company which has increased its stake in Reliance Capital Asset Management
(RCAM) to 49% from 35%?
A. Nippon Life B. Berkshire Hathaway C. Allianz D. China Life Insurance

28. Who has been designated as the Managing Director (MD) and CEO of Bank of Baroda?
A. Kapil Malhotra B. P S Jayakumar C. Rumil Kumar D. Prayag Awasthi

29. Which Indian female bodybuilder has become the first one to win a silver medal in the Womens Fitness Physique
category during 49th Asian Bodybuilding and Physique Championship 2015 held in Uzbekistan?
A. Preeti Khodgase B. Ajit Bharat Shree C. Shweta Rathore D. Ashwini Waskar

30. Which of the following banks has been selected in Dow Jones Sustainability Indices becoming the only domestic
bank to get into the index?
A. Dena Bank B. Yes Bank C. Axis Bank D. ICICI

31. Who has won gold in Junior and Senior weightlifting categories at Commonwealth Youth Championships?
A. Richa Chadha B. Karnam Malleshwari C. Punam Yadav D. G Lalitha

32. For the establishment of Nalanda University, which country has become the seventh one to sign the MOU with India
recently?
A. Portugal B. Spain C. Nepal D. Maldives

25
33. In addition to LPG and PDS schemes, which scheme(s) have been added for which Aadhaar cards can be used, as
approved by the Supreme Court?
A. welfare schemes of MGNREGA B. pension schemes
C. provident fund schemes D. All of the above

34. Who has been appointed as the new chairman of Hindustan Petroleum Corp Ltd (HPCL)?
A. Ruhani Birla B. Rakesh Koshal C. M K Surana D. Nishi Vasudeva

35. To tackle with the issue of the bullying of the Asian-American students White house has instigated its annual anti-
bullying campaign in three South Asian languages ?
A. Hindi, Punjabi, Sanskrit B. Hindu, Urdu and Punjabi
C. Hindi, Bengali, Urdu D. Urdu, Punjabi, Sanskrit

36. Where is the 3rd India-Africa summit going to held from October 26 October 30?
A. Mumbai B. Kerala C. New Delhi D. Rajasthan

37. The laws National Judicial Appointments Commission (NJAC) Act and the 99th Constitutional Amendment as passed
by the Modi government have been refused by the 5 judge Bench constitution bench headed by
A. Justice JS Khehar B. Justice HL Dattu C. Justice TS Thakur D. Justice Deepak Misra

38. To which of the following companies a contract of 2 years has been given for the sponsorship of Indian Premier
League(IPL)?
A. DLF B. Samsung C. PepsiCo D. Vivo

39. How much amount of money has been provided by Maharashtra Cricket Association to the Maharashtra government
for drought hit villages?
A. Rs 50 lacs B. Rs 1 crore C. Rs 70 lacs D. Rs 1.5 crores

40. Name the newly appointed Speaker of the House in Nepal who has become the first woman speaker there?
A. Aayusha Prajun B. Karki Rajbongshi C. Onsari Gharti Magar D. Jhala Nath Khanal

41. With which of the following India has signed an agreement on Maritime Transport?
A. Oman B. Kazakhstan C. Egypt D. Indonesia

42. Who has laid the foundation stone of Andhra Pradeshs capital city Amaravati at Uddandarayunipalem village in
Guntur district?
A. Nitin Gadkari B. Narendra Modi C. Amit Shah D. Arun Jaitley

43. Britain has signed a nuclear deal to build the UKs first atomic power plant since the 1980s with which of the
following?
A. Russia B. India C. China D. USA

44. Prime Minister Narendra Modi inaugurated the New Integrated Terminal Building aka Garuda Terminal at
A. Rajiv Gandhi International Airport B. Tirupati International Airport
C. Amritsar International Airport D. Hyderabad Airport

45. With which if the following has India signed Rs 30,000 crore offset deal on 36 Rafale fighter aircraft?
A. Russia B. China C. France D. Azerbaijan

46. Who has won the Hilton Asian Tour Golfer of the Month award?
A. Abhijeet Singh B. Anirban Lahiri C. Arjun Atwal D. Gaurav Ghei

47. Which of the following villages has become the first one to be 100% solar powered village in Odisha?
A. Dehurda B. Chitrada C. Gopinathpur D. Baripatha

48. Who has been appointed as the Chairman, Atomic Energy Commission and Secretary, Department of Atomic Energy?
A. Vijendra Tandon B. Ramakrishna Das C. Sekhar Basu D. Anurag Nanda

49. At what estimated cost, Japan has offered to finance Indias first bullet train?
A. Rs. 45,000 crores B. Rs. 50,000 crores C. Rs. 70,000 crores D. Rs. 90,000 crores

26
50. Yes Bank has inked partnership with Snapdeal and _____ to enhance the Cash on Delivery (COD) model?
A. First Flight B. DTDC C. Blue Dart D. FedEx

51. Which company is set to invest about Rs 150 crore for the first phase of its upcoming affordable housing project in
Mumbai?
A. DHFL B. Housing Development and Infrastructure Ltd
C. Tata Housing D. DLF

52. Who inaugurated the India Africa Friendship Rose garden in New Delhi ahead of the third India Africa Summit?
A. Pranab Mukherjee B. Sushma Swaraj C. Narendra Modi D. Arun Jaitley

53. Name an Indian-origin engineer who had been invited by Queen Elizabeth II to Buckingham Palace.
A. Garima Sardana B. Kritika Nanda C. Roma Agrawal D. Priya Agrawal

54. Who has been elected as President of Guatemala?

A. Itzel Mayan B. Otto Molina C. Sandra Torres D. Jimmy Morales

55. Deepika Kumari has won the Silver medal in five years at the 2015 Archery World Cup Final. She belongs to
A. Hissar B. Ranchi C. Lucknow D. Raipur

56. The Reserve Bank has signed a memorandum of understanding (MoU) with _____ for exchange of supervisory
information recently in October.
A. Nepal Rastra Bank B. Reserve Bank of Australia
C. Bangladesh Bank D. Central Bank of Sri Lanka

57. Who has been appointed as the Managing Director of BlackBerry India?
A. Chaitanya Rana B. Akshay Vashishtha C. Sunil Lalvani D. Narendra Nayak

58. Under the Housing for All by 2022 launched by PM Narendra Modi, how much grant is given per house?
A. 1.5 Lakhs B. 1 Lakh C. 2 Lakhs D. 2.5 Lakhs

59. Which country has introduced biometric visas to Indians to facilitate travel?
A. Brazil B. France C. China D. South Africa

60. What rank has been given to Narendra Modi in the list of Top Admired Personalities as per World Economic Forum
(WEF) survey?
A. 7th B. 8th C. 9th D. 10th

61. According to WHO report, which country has recorded maximum Tuberculosis (TB) cases in the year 2014?
A. China B. India C. Indonesia D. Japan

62. After NASA, which countrys space agency is set to launch Manned Moon Mission by 2029?
A. Japan B. Russia C. India D. France

63. Which countrys membership to UN human rights body is going to end in December 2015 and has also lost the
election to come back to the council?
A. UAE B. Pakistan C. Georgia D. Venezuela

64. Reserve bank of India has allowed Non-Resident Indians (NRIs) to subscribe to which of the following?
A. Atal Pension Yojana B. Suraksha Bima Yojana C. Jan Dhan Yojana D. National Pension System

65. Indian Air Force signs Rs 8000 crore deal with _____
A. Samsung B. Flextronics C. Infosys D. Bharat Electronics Limited

66. Isro uses satellite imageries, Nectar uses ____ to map the geographical areas to tracking of roads in real time.
A. Drones B. Satellite C. Jet D. Helicopters

67. Which project is to trigger industrial development along the coastline and develop smart cities
A. Gantamala B. Brown Farm C. Sagarmala D. Jalna

27
68. Around ____ billion years ago, a series of streams and lakes existed on Mars founded by NASA
A. 4.3 - 4.8 billion B. 3.3 - 3.8 billion C. 3.7 - 3.9 billion D. 4.2 - 4.5 billion

69. Which Country had launched a New Communication Satellite for Hong Kong Firm?
A. India B. America C. Russia D. China

70. 69. A World War-II era tank was recently sold at auction to a private bidder for ____.
A. $153,000 B. $157,000 C. $152,000 D. $155,000

71. Which swim suit that help wearers clean up the ocean in one stroke at a time?
A. Bikini Scrubs B. Kelly Rohrbach C. Rose Bertram D. Rookie

72. Name the Indian hospital which is been selected as the best hospitals by the British Medical Journal(BMJ) for
having the best medicine experts in South Asia?
A. Ganga Ram Hospital
B. Darbhnaga medical College and Hospital
C. Dharamshila Hospital and Research Centre
D. Jawaharlal Institute of Postgraduate Medical Education and Research

73. When is World Cities Day and World Savings Day observed?
A. May 12 B. August 24 C. October 27 D. October 31

74. Which company has acquired the Weather Co along with its Weather.com website?
A. IBM B. Microsoft C. Siemens D. TCS

75. Chinese President Xi Jinping has announced to end countrys one-child policy after how many years?
A. 30 years B. 32 years C. 33 years D. 35 years

76. Rashtriya Ekta Diwas (National Unity Day) is celebrated on the birth anniversary of
A. Sardar Vallabhbhai Patel B. BR Ambedkar
C. Lala Lajpat Rai D. Mahatma Gandhi

77. A new generation of surface to surface ballistic missile called Emad(Pillar) was test fired by
A. Iran B. Iraq C. China D. Japan

78. Name the campaign started by union government in a bid to create awareness and capacity building on Safe and
Hygienic food for all in July 2015.
A. Khadya Surakshit Abhiyan B. Surakshit Khanijaya Abhiyan
C. Surakshit Khadya Abhiyan D. Surakshit Khad Abhiyan

79. Name the author of the book Neither a Hawk nor a Dove: An Insiders Account of Pakistans Foreign Policy
A. Madhesi Janaadhikar B. Khurshid Mahmud Kasuri
C. Jaswant Sinha D. Mahmood Khan

80. PTC India inked a pact with which of the following for sale and purchase of power generated from 3,000-mw solar
projects?
A. Solar Energy Corporation of India B. Solar Energy Power Corporation
C. Solar Energy Corporation Industry D. Solar Energy Power Limited

81. Recently union cabinet has decided to launch the National Minimum Wage Act which will be mandatory to be
implemented by all state governments. The current minimum wage base is
A. Rs 160 B. Rs 180 C. Rs 200 D. Rs 220

82. Which bank has launched its app that requires no Internet connectivity and also enables customers to manage their
different accounts?
A. Bhartiya Mahilla Bank B. Yes Bank C. Kotak Mahindra Bank D. Axis Bank

83. With which of the following banks the Reserve Bank of India has inked pact for Supervisory Cooperation and
Exchange of Supervisory Information in October 2015?
A. National Bank of Poland B. Bank of Botswana
C. Bank of Algeria D. Bank of Slovenia

28
84. Which state/UT has started a new scheme called Bill Banvao, Inaam Pao which is aimed to encourage customers
to buy goods and services from registered dealers and take a receipt of bill?
A. Gujarat B. Rajasthan C. Haryana D. Delhi

85. Which state has banned a non-steroid drug Ketoprofen in some areas to save the endangered vulture population?
A. Andhra Pradesh B. Tamil Nadu C. Maharashtra D. Odisha

86. A lady named Parbati Barua is being appreciated with lifetime achievement award for her stupendous contribution
in wildlife conservation. She belongs to
A. Nagaland B. Kolkatta C. Assam D. Jharkhand

87. Who has been conferred with Golden Peacock Global Award for Sustainability (GPGAS) 2015?
A. Rail Wheel Factory B. Tata Motors C. Tata steel D. IBM India

88. Where did the fifth annual anti terrorism exercise (10 day drill) of Indian and Chinese armies took place?
A. Kunming City B. Jilin City C. Foshan D. Lijiang

89. Name the novel for which Jamaican author, Marlon James has won Man Booker Prize 2015?
A. A Little Life B. The Fisherman
C. A Spool of Blue Thread D. A Brief History of Seven Killings

90. Omid Kordestani appointed as Twitters executive chairman was the executive of
A. Microsoft B. Apple C. Google D. Facebook

91. BSNL has upgraded minimum broadband speed to _______.

A. 1 Mbps B. 2 Mbps C. 3 Mbps D. 4 Mbps

92. Who appointed as Director-General of Electronics and Communication Systems cluster of DRDO?
A. J Manjula B. Ramesh Abhishek C. M. Sathiyavathy D. Aruna Sundararajan

93. A book entitled Feminist and Orientalist Perspectives A Study of Lady Mary Montagus Turkish Embassy Letters
authored by _______.
A. Manoj Joshi B. Mahadev Desai C. Dr. Farha Hiba Parvez D. G. Noorani

94. International literacy day is observed on ________.

A. September 8 B. September 10 C. September 13 D. September 14

95. Who conferred with Royal Aeronautical Society Silver Medal?

A. Vinod Zutshi B. Sunil Arora C. Lalit K Panwar D. Dr G Satheesh Reddy

96. Who sworn in as 29th Prime Minister of Australia?

A. Warren Truss B. Malcolm Turnbull C. Arthur Sinodinos D. Julie Bishop

97. Hindi Divas observed on _________.

A. 14 September B. 16 September C. 18 September D. 20 September

98. Indian Railways has partnered with which company to provide free Wi-Fi services under Project Nilgiri?
A. Yahoo B. Microsoft C. Google D. Apple

99. Who was awarded Nansen Refugee Award by UNHCR in 2015?

A. Aqeela Asifi B. Habiba Sarobi C. Fatima Akbari D. Hajar Kamal

100. Who was selected for Champions of Change Award in US?

A. Manjul Bhargava B. Anjli Jain C. Shwetak Patel D. Swetha Prabakaran

Answers given at the end of the magazine

29
 Eco Funda : Inflation and its effects

In the last 1 year we have heard this term Inflation so many times. It has featured in the newspaper in more or
less everyday. But when I went out to check how many of us have a clear idea of inflation, the result was
disappointing. So, I think now its time that we try and understand the term.

The Inflation is the rate at which general price level increase over a period of time and inflation indirectly
proportional to Purchasing power. For example, annual inflation 20 % means a good which cost Rs 100 1 year
back will cost Rs 120 now.

Inflation is measured for a basket of goods and service like food articles, fuel, power, electricity, transport etc
have different weight age in Inflation Index. So, the overall increase (price of some may increase and some will
decrease) in the basket price is inflation.

Inflation is classified in to three - Creeping Inflation, Galloping Inflation and Hyperinflation. When inflation is
growing on single digit it is creeping inflation and it has some good effect on economy. If the rate is on double
digit or triple digit it is Galloping and if Price rise is large and accelerating it is Hyper inflation Latter two have
some bad effect on economy.

The major cause of inflation are demand pull inflation i.e. demand is growing faster than supply then the price
will increase and it usually happens in growing economies the other side of this is supply shock inflation where
reduction in supply due to bad weather, Crop failure, calamities etc. Another is cost pull inflation where the
companies input cost go up due to increase in wages, tax, Raw material etc so in order to maintain the profit
margin company will increase the price of good.

The major sufferer for the inflation is fixed income people as inflation will reduce their purchasing power and
if inflation remains on high zone there will be reduction in consumer spending and in long run it will affect the
economic output and in turn growth rate i.e. if inflation is on 10 % , the actual price will be more than 10 %
because of cumulative increase in price of all commodities and companies will increase the price above their
earlier profit margin to compensate for decrease in sales due to price rise and increase in other expense like
wages. So higher and higher the rate of inflation more disastrous it will be for economy.

The other group which will be affected by inflation are creditors as their income will fall due to monetary depreciation
and if inflation will remain on higher side than other countries domestic product will loose the Competence.
Higher inflation with high unemployment will result in Stagflation have a very bad effect on economy.

Deflation which is general decrease in price and little inflation is just as bad as higher inflation it indicates that
the economy is weakening. The Central Bank attempts to stop severe inflation along with severe deflation to keep
economy strong. In case of supply shock inflation monetary policy cannot do anything and the decrease in supply
has to compensate by import or will have substitute the supply affected commodity with some other commodity.

Moderate inflation, especially demand pull inflation will have a tonic effect on economy and it is a sign that
economy is growing. Moderate inflation helps the companies and inflation rate of 3-5% is good for economy.

Long term investments in equities offer good protection against inflation. Other investment options against
Fundas f or you

inflation are Real estate, basic commodities and inflation indexes. So inflation will have a good effect on
economy unless it is too high or low. In case of deflation better options are bonds and bank deposit. So we
should take better investment decision to fight against inflation.

30
 Dabur India Ltd.

Dabur India Ltd.

Dabur India Ltdis one of Indias leading FMCG Companies withRevenues of over Rs 6,146 Crore& Market
Capitalisation of US $5 Billion. Building on a legacy of quality and experience of over 127 years, Dabur is today
Indias most trusted name and the worlds largest Ayurvedic and Natural Health Care Company.

Dabur was founded by Dr SK Burman, a physician in Bengal. He founded Dabur in 1884 to produce and dispense
Ayurvedic medicines. His initial goal was to successfully produce and market effective medicine for ordinary
villagers. Dr Burman designed Ayurvedic medication for diseases such as cholera and malaria. Soon the news of his
medicines travelled, and he came to be known as the trusted Daktar or Doctor who came up with effective cures.
That is how Dabur got its name - derived from the Devanagri rendition of Daktar Burman.

Daburs Ayurvedic Specialities Division has over 260 medicines for treating a range of ailments and body conditions-
from common cold to chronic paralysis. Dabur International, a fully owned subsidiary of Dabur India formerly held
shares in the UAE based Weikfield International, which it disposed of on 25th June 2012.

Dabur India is a world leader in Ayurveda with a portfolio of over 250 Herbal/Ayurvedic products. Daburs FMCG
portfolio today includes five flagship brandswithdistinctbrandidentitiesDaburasthemasterbrandfornatural
healthcare products, Vatikaforpremiumpersonalcare,Hajmolafordigestives,Ralforfruitjuicesandbeverages
andFemforfairnessbleachesandskincareproducts.

Dabur today operates in key consumer products categories like Hair Care, Oral Care, Health Care, Skin Care, Home
CareandFoods. The company has a wide distribution network, covering over 5.8 million retail outletswithahigh
penetration in both urban and rural markets.

Daburs products also have a huge presence in the overseas markets and are today available in over 60 countries
across the globe. Its brands are highly popular in the Middle East, SAARC countries, Africa, US, Europe and
Russia.Daburs overseas revenue today accounts for over 30% of the total turnover..

The 125-year-old company, promoted by the Burman family, had started operations in 1884 as an Ayurvedic medicines
company. From its humble beginnings in the bylanes of Calcutta, Dabur India Ltd has come a long way today to
become one of the biggest Indian-owned consumer goods companies with the largest herbal and natural product
portfolio in the world. Overall, Dabur has successfully transformed itself from being a family-run business to become
a professionally managed enterprise. What sets Dabur apart from the crowd is its ability to change ahead of others
and to always set new standards in corporate governance & innovation.

Fast-Moving Consumer Goods (FMCG)

Fast-Moving Consumer Goods(FMCG) or Consumer Packaged Goods(CPG) are products that are sold quickly and at
relativelylowcost.Examplesincludenon-durablegoodssuchassoftdrinks,toiletries,andgroceryitems.Though
the profit margin made on FMCG products is relatively small, more so for retailers than the producers/suppliers,
they are generally sold in large quantities. FMCG is probably the most classic case of low margin/high volume
business. Many of the players on the retailer side such as Walmart, Carrefour, Choithram, Walgreens or Metro
Groupandsuppliersideareamongthelargestandmostrecognizedglobalcompanies.

Cleaning and laundry products, over the counter medicines, personal care items and food stuffs make up a large
bulk of the goods in the FMCG arena, but it doesnt end there. Paper products, pharmaceuticals, consumer electronics,

31
 plastic goods, printing and stationery, alcoholic drinks, tobacco and cigarettes can all be considered fast moving
consumer goods too.
Fast-moving consumer electronics are a type of FMCG and are typically low priced generic or easily
substitutableconsumerelectronics,includingmobilephones,MP3players,gameplayers,anddigitalcameraswhich
are of disposable nature.

Scope:
The term FMCGs refers to those retail goods that are generally replaced or fully used up over a short period of days,
weeks, or months, and within one year. This contrasts with durable goods or major appliances such as kitchen
appliances, which are generally replaced over a period of several years.

FMCG have a short shelf life, either as a result of high consumer demand or because the product deteriorates
rapidly. Some FMCGssuch as meat, fruits and vegetables, dairy products, and baked goodsare highly perishable.
Other goods such as alcohol, toiletries, pre-packaged foods, soft drinks, and cleaning products have
highturnoverrates.Anexcellentexampleisanewspapereverydaysnewspapercarriesdifferentcontent,making
one useless just one day later, necessitating a new purchase every day.

The following are the main characteristics of FMCGs:

From the consumers perspective:

Frequent purchase
Low involvement (little or no effort to choose the item products with strong brand loyalty are exceptions to this rule)
Low price

From the marketers angle:

High volumes
Lowcontributionmargins
Extensivedistributionnetworks
Highstockturnover
The top FMCG companies are characterised by their ability to produce the items that are in highest demand by
consumers and, at the same time, develop loyalty and trust towards their brands.
Some of the leading FMCG companies in the world include:

Colgate-Palmolive
Famous brands: Colgate toothpaste; Palmolive soap and cleaning products.

Coca-Cola
Famous brands: Coca-Cola; Diet Coke; Fanta; Sprite

LOral
Famous brands: LOreal Paris, Garnier; Maybelline New York; Biotherm; Kiehls

Nestl
Famous brands: Nestel Pure Life, Nescafe; Nesquik; Kit Kat; Purina

Procter & Gamble

Famous brands: Ariel, Gillette; Pampers; Olay; Duracell; Pantene

FMCG companies are behind the biggest brands in the world. FMCG is all about names, the products which everyone
recognises from trips to the supermarket or from ads on television. The brands that make up this sector are the high
profile ones, the ones everybody knows and loves. Think Coca-Cola, Dettol and Dove. This is an industry that puts
you in living rooms, kitchens and bathrooms across the globe.

The FMCG industry changes fast and is constantly evolving. Its fair to say there is never a dull moment in FMCG. From
the pace at which goods leave the shelves to the rate of product innovation and career progression, things move
quickly. And it doesnt end there. The brands themselves are changing just as quickly. 40% of brands on the top 100
list twenty years ago have already been replaced by new names today.

32
FMCG firms thrive on employee and customer retention. Employee investment is a big part of the ethos of the FMCG
world. Perhaps its because we understand the importance of loyalty. Customer loyalty can make or break a brand.
Take Twinings, for example a century after they entered the top 100 brand list, they are still there and going strong.
So it makes sense for FMCG companies to encourage the loyalty of their employees too.

FMCG companies can beat the recession. This is an industry that has proved itself very resilient to recession with
the majority of companies in the sector weathering the financial storm in a way that very few others have managed.
Why? Well, consumers will always need to buy the products created by FMCG companies. They may not buy big
items like refrigerators or cars in a recession, but floors still need to be cleaned, clothes need to be laundered and
aches and pains still need to be soothed.

The FMCG industry thinks bigger and better. This is an industry that offers things on a whole new scale. Where else
could you find yourself handling $150 million accounts? Working in FMCG gives you the chance to be a part of some
global success stories and influence the way consumers shop for products. FMCG firms are always thinking of the
next great discovery or innovation always developing and ever-changing to meet consumers needs.

FMCG has a history of delivering what consumers want. Some FMCG companies roots are over two centuries old
driving the industry to a value of $570.1 billion. In short, to quote Sam Walton, founder of Wal-Mart: High
expectations are the key to everything.

33
 SSC Exam Syllabus and Pattern

SSC Exam Syllabus and Pattern:

SSC (Staff Selection Commission) conduct examinations as well as interviews to make recruitment to Group B and
Group C posts for the various Ministries & Departments of the Government of India. Staff Selection Commission
or simply SSC is an Indian organization to recruit staff for various posts in the various Ministries and Departments
of the Government of India and in Subordinate Offices. SSC CGL is basically graduate level examination which is
conducting every year to recruitment ofstaff for various posts in the various Ministries and Departments. Only
graduates students who had done graduation in any stream / or equivalent are eligible to apply for this posts.
Further detail is listed as follows:

SSC CGL New Exam Pattern 2013-2014

Examination has in three phase such as Tier I, Tier II and Tier III. Candidates have to face these three Tiers for qualify
in written test and get prestigious job. Here I am going to provide you guys the time duration of paper, maximum
marks, maximum question and total time duration information as follows

Tier I:

Subject Name Max Marks Time Duration Time Duration

for
Handicapped
person
General Intelligent 50 2 hours 2 hours 40
Quantitative Aptitude 50 minutes
General Awareness 50
General English 50

Tier II:

Subject Name Name Of Posts Number Total

of Marks
Question
Arithmetic Ability For All posts other 100 200
then SI in CPOs
English Language All Posts 200 200
and comprehension
Mathematics/ Compiler/ 100 200
Statistics/ Statistical/
Economics/ Investigators
Commerce

SSC CGL SYLLABUS 2013-2014

Tier I Syllabus:-
General Intelligence:
Semantic Analogy, Symbolic operations, Symbolic/Number Analogy, Number Series, Embedded figures, Figural Series,
Critical Thinking, Problem Solving etc.

34
English Language:
Fill in the Blanks, Synonyms/Homonyms, Antonyms, Spellings/Detecting Mis-spelt words, Active/Passive Voice of
Verbs, Idioms & Phrases, One word substitution etc.

General Awareness:
History, Culture Geography, Economic Scene, General policy and scientific research etc.

Quantitative Aptitude:
Time and distance, Time and work, Averages, Interest Simple and Compound, Profit and Loss, Discount, Partnership
Business, Mixture and Alligation, TRIGONOMETRY, MENSURATION, GEOMETRY etc.

Tier II Syllabus:-
PAPER I
Arithmetic Ability:
The paper will be questions based on Number Systems, Computation of Whole Numbers, Decimals and Fractions.
The paper would also help asses candidates knowledge on relationship between Numbers, Fundamental Arithmetical
Operations, Percentage, Ratio and Proportion, Average, Interest, Profit and Loss, Discount, Use of Table and Graphs,
Mensuration, Time and Distance, Ratio and Time etc.

PAPER II
English Language & Comprehension:
Error recognition, filling blanks with appropriate verbs, preposition, articles etc. It will also test candidates Vocabulary,
Spellings, Grammar, Sentence Structure, and Sentence Completion etc.

PAPER III
Commerce/Mathematics/Statistics/Economics (for Investigator Grade-II, for Ministry of Statistics & Program
Implementation and Compiler for Registrar General of India, Ministry of Home Affairs)
COMMERCE :
Accountancy, Business Organisation, Management, micro-economics, Indian economics, Business Statistics, Business
Law, Company Law, Cost Accounting, Auditing and Income Tax.

MATHEMATICS:
Algebra, Algebra of Matrices, Statistics, Analytic Geometry, Differential Equation, and Differential and Integral
Calculus.

STATISTICS:
Probability, Probability Distributions, Binomial, Poisson, Normal, Exponential. Compilation, classification,
tabulation of Statistical Data, Graphical presentation of data, Measures of central tendency, measures of
dispersion,measures of association and contingency, scatter diagram, correlation coefficient, rank correlation
coefficient and linear regression analysis ( for two or more variables ) excluding partial correlation coefficients.

ECONOMICS:
General Economics (Demand and Supply Analysis, Production Function and Laws of Returns, Commodity Pricing,
Theory of Factor Pricing, Theory of Employment, Keynesian Theory of Employment etc) and Indian Economics and
General Statistics(Collection of data and editing of data, Types of sampling, Schedule and questionnaire, Presentation
of data, Measures of Central Tendency, National Income and Accounting, Agricultural sector etc).

Tier III Syllabus:

In this session only skill test is conduct of 100 marks candidates who qualified in this above two tier will called for
Tier III round in which candidates have to face to face interview.

General Awareness

1. Reducation of nitrates to ammonia can be achieved through one of the following methods.
(A) In alkaline medium using Devardas alloy.
(B) In neutral medium using Devardas alloy.
(C) In acidic medium using Devardas alloy.
(D) In neutral medium using Cupnic oxide.

35
2. The Red Data Books published by the International Union for Conservation of Nature and natural Resources
enumerate.
(A) Biodiversity parks and wild life sanctuaries in different countries.
(B) Centres of origin of cultivated plants.
(C) Centres of origin of all economically important plants.
(D) Threatened species of plants and animals.

3. Grits of Sewage are removed in

(A) Grit chamber (B) Detritus tank (C) Skimming tank (D) Trickling filter

4. Environmental impact assessment was first formally established in 1969 in which country?
(A) United Kingdo (B) United States (C) France (D) Netherlands

5. The most affected sulphur containing amino acid by PAN is

(A) Cyrteine (B) Methonine (C) Proline D) Globuline

6. Who won the Women Australian open Singles Title in 2013?

(A) Serena Williams (B) Victoria Azarenka (C) Li Na (D) Sharapova

7. The first non-Englishman elected as Chairman of the International Cricket Council was
(A) Cydle Walcot (B) Gary Sobers (C) Imran Khan (D) Sunil Gavaskar

8. Which of the following has zero electron affinity?

(A) Oxygen (B) Fluorine (C) Nitrogen (D) Neon

9. For which language included in the Indian Constitution, the jnanpith Award has not been given up to 2011?
(A) Sanskrit (B) Sindhi (C) Kashmiri (D) Konkani

10. Who is the British Author to win the Man Booker Prize for fiction twice?
(A) Peter Carey (B) J.M. Coetzee (C) Hillary Mantel (D) None of the above

11. Which one of the following is wrongly paired?

Country Currency
(A) Japan Yen
(B) Iran Rand
(C) Bangladesh Taka
(D) Bhutan Ngultrum

12. The two South America countries which are members of the Organisation of Petroleum Exporting Countries (OPEC)
are
(A) Ecuador and Brazil (B) Ecuador and Bolivia (C) Ecuador and Venezuela (D) Venezuela and Brazil

13. Who is the Chairperson of the national Green Tribunal?

(A) Markandey Katju (B) Swatantra Kumar (C) Satyanandra Mishra (D) K.G.Balakrishnan

14. Which is the capital of Mali?

(A) Mopti (B) Barmako (C) Cairo (D) Nairobi

15. Which was the first film of Jaspal bhatti?

(A) Power cut (B) Mahaul Theek Hai (C) Thank You Jijaji (D) None of the three above

16. Who was the first recipient of the Bharat Ratna Award posthumously?
(A) K. Kamaraj (B) Lal Bahadur Shastri (C) M.G.Ramachandra (D) B.R. Ambedkar

17. An irrigation projects is categorized as a major project if it covers a cultivable command area of
(A) Less than 2,000 hectares (B) 2,000 to 10,000 hectares
(C) Above 10,000 hectares (D) All the above

36
18. High powered money is
(A) Banks reserves at Central Bank
(B) All loans and advances of banks
(C) Money held by banks
(D) Currency held by public and reserves with the Central Bank

19. Hardening interest rate means

(A) Interest rate is remaining sticky (B) Interest rate is very low
(C) Interest rate is increasing (D) Interest rate is falling

20. Dumpingis a situation when the seller

(A) Supplies more than the demand for products in the world market
(B) Supplies more in the Domestic Market
(C) Sells a commodity at a lower price in the World Market and charges a higher price in the Domestic Market
(D) Sells a commodity at a higher price in the World Market and charges a lower price in the Domestic Market

21. Which one of the following is not a function of Election Commission?

(A) Allotment of symbols (B) Fixation of election dates
(C) Maintaining fairness of election (D) Selecting the candidates for election

22. State is a necessary evil is associated with

(A) Individualism (B) Idealism (C) Marxism (D) Constructivism

23. The programme of Operation Flood was concentrated on

(A) Increasing irrigation facilities (B) Flood control
(C) Increasing the milk production (D) Increasing the flood grains production.

24. Which of the following is not associated with Marxism?

(A) Dialectical Materialism (B) Class Struggle
(C) Welfare State (D) Surplus Value

25. Article 324 of the Indian Constitution deals with the

(A) Imposition of Presidents Rule in States.
(B) Appointment of Finance Commission.
(C)Powers and functions of the Chief Election Commissioner.
(D) Functions of the Union Public Service Commission

26. The founder of the Lodi Dynasty was

(A) Bahlol Lodi (B) Sikandar Shah Lodi (C) Jalal Khan Lodi (D) Idrahim Lodi

27. The Gandharva School of art is also known as the

(A) Buddhist-Roman art (B) Dravidian Roman art (C) Greco-Roman art (D) Greco-Roman-Buddhist art

28. The Bolshevik Revolution of Russia symbolized following:

(A) Coming of the Communist rule (B) Establishment of republic of Russia
(C) Establishment of Democracy in Russia (D) Overthrow of Romanov Dynasty

29. General, who commanded the British forces against the Americans in their War of Independence later became
Governor-General of India?
(A) Dalhousie (B) William Bentinck (C) Wellesley (D) Cornwallis

30. Who was the first President of the All India Trade Union Congress (AITUC)?
(A) C.R. Das (B) V.V. Giri (C) Lala Lajpat Rai (D) Sarojini Naidu

31. If there is a deadlock between Rajya Sabha and Lok Sabha over an ordinary bill, it will be resolved by
(A) The President (B) The Council of Ministers
(C) The Joint Session of Parliament (D) The Supreme Court

37
32. According to Ferrels law (Coriolis Force) winds change their direction
(A) Towards left in Northern hemisphere and towards right in Southern hemisphere
(B) Towards right in Northern hemisphere and towards left in Southern hemisphere
(C) Towards right in both the hemisphere
(D) Towards left in both the hemisphere

33. Which one of the following atmospheric layers absorb ultraviolet rays of the sun?
(A) Troposphere (B) Stratosphere (C) Ionosphere (D) Ozonosphere

34. The Drainage pattern developed on folded sedimentary rock is termed as

(A) Trellis (B) Dendritic (C) Radial (D) Deranged

35. Which one of the following is not a line of demarcation between two countries?
(A) Durand Line (B) Mac Mahon Line (C) Plimsoll Line (D) Maginot Line

36. Water potential remains lowest in

(A) Water plants (B) Woody plants (C) Succulents (D) Halophytes

37. The free living bacterium in the soil which increases the yield of rice is
(A) Rhizobium (B) Azotobacter (C) Acetobacter (D) Anabaena

38. The human bodys largest blood vessel is

(A) Pulmonary artery (B) Aorta (C) Renal artery (D) Coronary artery

39. In the human body, which one of the following hormones regulates blood calcium and phosphate?
(A) Glucagon (B) Growth hormone (C) Parathyroid hormone (D) Thyroxine

40. Frontal cyclones occur characteristically in

(A) Equatorial region (B) Tropical region (C) Mid-latitudinal region (D) Polar region

41. How do most insects respire?

(A) Through skin (B) Through gills (C) By tracheal system (D) By lungs

42. In nuclear reactions, there is conservation of

(A) Mass only (B) Momentum only
(C) Energy only (D) Mass, energy and momentum

43. When a particle and an antiparticle come in contact with each other, they
(A) Repell each other (B) Annihilate eachother (C) Go undisturbed (D) Spin about a common axis

44. Photoelectric effect is

(A) An instantaneous process (B) Delayed process
(C) Emission of protons (D) Emission of neutrons

45. For a particle moving with a constant speed along a straight line PQ, the hodograph is
(A) A straight line parallel to PQ (B) A Straight line perpendicular to PQ
(C) A point (D) A circle

46. Which computer was the first to use the magnetic drum for memory?
(A) IBM-650 (B) IBM-7090 (C) IBM-701 (D) IBM-360

47. Identify the FIFO (First in First out) structure among the following:
(A) Stack (B) Queue (C) De-queue (D) Array

48. Aluminum is obtained by the electrolysis of pure Al2O3 dissolved in

(A) Bauxite (B) Cryolite (C) Feldspar (D) Alumina

38
49. Complete hydrolysis of cellulose gives
(A) D-fructose (B) D-glucose (C) L-glucose (D) L- fructose

50. Each body segment of Earthworm is called

(A) Proglottid (B) Metamere (C) Scolex (D) Rostellum

51. The demand for labour is called

(A) Derived Demand (B) Factory Demand (C) Market Demand (D) Direct Demand

52. Which is the following is not an investment expenditure in goods & services ?
(A) Purchase of Machinery (B) An increases in business Inventories
(C) Expansion of the main plant of a company (D) Purchase of a house

53. Which one of the following represents the Saving of the Private Corporate Sector?
(A) Undistributed Profits (B) Excess of income over expenditure
(C) Dividends paid to shareholders (D) Total Profit of a company

54. Who presides over the Joint session Indian Parliament?

(A) Chairperson of Rajya Sabha (B) Senior most member of Parliament
(C) Speaker of Lok Sabha (D) President of India

55. Social accounting system in India is classified into?

(A) Assets,Liabilities and debt position. (B) Public Sector, Private Sector and Joint Sector
(C) Income, Product and expenditure (D) Taxes on individual income and Wealth

56. Forced Savings refer to

(A) Compulsory deposits imposed on income payers.
(B) Provident Fund contribution of private sector employees
(C) Reduction of consumption consequent to a rise in prices
(D) taxes on individual income and wealth

57. Under which article of the constitution of India , can the fundamental rights of the members of the Armed Forces be
specifically restricted?
(A) Article 21 (B) Article 25 (C) Article 33 (D) Article 19

58. Pulakesin II was the greatest ruler of the

(A) Chalukyas of Kalyani (B) Pallavas of Kanchi (C) Cholas of Tamil Nadu (D) Chalukyas of Badauri

59. The Uttaramerur inscription provides information on the administration of the

(A) Pallavas (B) Cholas (C) Chalukyas (D) Satavahanas

60. Pitts India Act of 1984 was a/an

(A) Ordinance (B) Resolution (C) White paper (D) Regulating Act

61. Which one of the following statement is not true in respect A.O.Hume?
(A) He founded the Indian National Congress . (B) He presided over the congress Annual session twice.
(C) He was an Ornithologist. (D) He was a member of the Indian Civil Service.

62. Division of Power and independent Judiciary are the two important features of
(A) Democratic form of Government (B) Federal form of Government
(C) Socialist form of Government (D) Unitary form of Government

63. Which Article of the Indian Constitution did Dr. B.R. Ambedkar term as the Heart and soul of the Indian Constitution
(A) Article 356 (B) Article 32 (C) Article 14 (D) Article 19

64. Who was the first to use term state ?

(A) Aristotle (B) Machiavelli (C) Hobbes (D) Plato

39
65. Which river in India flows in a rift-valley ?
(A) Narmada (B)Krishna (C) Cauvery (D)Tapti

66. A narrow strip of land that connects two larger land masses is called
(A) Cape (B) Isthmus (C) Strait (D) Peninsula

67. Tiny marine animals which constitute limestone skeletons are called
(A) Coral reefs (B) Diatoms (C) Clamitomononus (D) Foraminifera

68. Apatanis are the major tribal group of

(A) Sikkim (B) Arunachal Pradesh (C) Jharkhand (D) Nagaland

69. Which of the followings plant pigments absorbs in red and far-red region of lights ?
(A) Phytochrome (B)Crypt ochrome (C) Carotenoids (D)Chlorophy II

70. The process through which excess of light energy is dissipated in photosynthesis is known as
(A) Photolysis (B) Photophosphorylation (C) Quenching (D) Scavenging

71. AIDS virus destroys

(A) Neutrophils (B)Basophils (C) Lymphocytes (D) Monocytes

72. Which of the following movements saw the biggest peasant guerilla war on the eve of independence ?
(A) Punnapra Vayalar Movements (B) Telangana Movements
(C) Noakhail Moviments (D) Tebhaga Movements

73. Maps on large scale, representing both natural and made features are called
(A) Thematic Maps (B) Atlas Maps (C) Wall Maps (D) Topographic

74. The device used for measuring the wavelength of X-ray is

(A) Bragg Spectrometer (B) Mass Spectrometer (C) G.M. Counter (D) Cyclotron

75. Alpha particle is the nucleus of an atom of

(A) Helium (B) Oxygen (C) Lithium (D) Hydrogen

76. Who is the founder of Facebook which is currently the no. 1 social networking website in India ?
(A) Orkut Buyukkokten (B) Mark Zurkerberg (C) Bill Gates (D) Martin Cooper

77. In programming, repeating some statements is usually called

(A) Looping (B) Control structure (C) Compiling (D) Structure

78. teeth and bones acquire strength and rightly from

(A) Chlorine (B) Sodium (C) Calcium (D) Fluorine

79. The type of tail found in Shark is

(A) Heterocercal (B)Diphycercal (C) Protocercal (D) Homocercal

80. The Sigmoid Colon is part of

(A)Large intestine (B) Heum (C) Small Intestine (D)Anal Canal

81. A good conductor while carrying current is

(A) Positively charges (B) Electrically neutral
(C) Alternately charges positive and negative (D) Negatively charged

82. The angle between the magnetic meridian and the geographical meridian at a place is
(A) Declination (B) Latitude (C) Azimuth (D) Dip

83. Coating of solid waste with impervious material is known as

(A) Landfill (B) Capping (C) Encapsulation (D) Chemical fixation

40
84. Ultraviolet rays can be used in water treatment as
(A) Hydrolyser (B) Disinfectant (C) Flocculator (D)Precipitator

85. Thiamidine dimer formation in DNA is caused by

(A) and Y-rays (B) UV-rays (C) IR rays (D) X-rays

86. Winner of the Australian open Mens Singles Title in 2013 is

(A) Roger Federer (B) Novak djokovic (C) David Ferrer (D) Andy Murray

87. Silicone is a polymer of

(A) Dialkyl dichloro silane (B) Silane
(C) Tetraalkyl silane (D) Silicon tetrachloride

88. Which is a natural colloid ?

(A) Cane9sugar (B) Horn Silver (C) Ruby Silver (D) Lunar caustic

89. Which one of the following does not contain silver ?

(A) German Silver (B) Horn Silver (C) Ruby Silver (D) Lunar Caustic

90. The presence of Cobalt in Vitamin B12 was established for the first time by
(A) Borax-Bead test (B) Sodium Nitroprusside test
(C) Hydrolysis (D) Spectroscopy

91. Which bacterial strain developed from natural isolates by genetic manipulation can be used for treating oil spills ?
(A) Clostridium (B) Nitrosomonas (C) Preudomonas (D) Agrobacterium

92. Who is the author of the boo No Full Stops in India ?

(A) Nirad c. choudhari (B) Mark Tully (C) R.K. Narayan (D) Ved Mehta

93. Which one of the following pairs is wrongly matched ?

Place Location
(A) Tiananmen Square - Beijing
(B) Tahrir Square - Abu Dhabi
(C) Trafalgar Square - London
(D) Red Square - Moscow

94. The term of a non-permanent member of the U.N. Security Council is

(A) 1 year (B) 2 Year (C) 3 year (D) 4 Year

95. Who is the Chairman person of the 20th Law Commission ?

(A) Justice K.G. Balakrishnan (B) Justice D.K. Jain
(C) Justice J.S. Verma (D) Justice Usha Mehra

96. Julia Gillard is the Prime Minister of

(A) Canada (B) Australia (C) New Zealand (D) Belgium

97. Which is the first state in India to pass the Food Security Law ?
(A) Chhattisgarh (B) Punjab (C) Gujarat (D) Kerala

98. Who among the following presidents of MCC was non-professional cricketer ?
(A) peter May (B) Christopher Martin Jenkins
(C) Ted Dexter (D) Colin Cowdrey

99. Who won the Nobel prize for peace in 2012?

(A) International Atomic Energy Agency (B) Liu Xiaobo
(C) European union (D) U.N. Intergovernmental Panel on Climate Change

100. Who on the Jnapith Award for 2011 ?

(A) Sachidananda Routray (B) Pratibha Ray (C) Gopinath Mohanty (D) Sitakant Mahapatra

Answers given at the end of the magazine

41
Prominent Upcoming B-Schools in India
Great Lakes Institute of Management, Chennai

Founded by Dr. Bala V Balachandran with a vision to become a leading

management institution in India providing Quality Education at an
affordable cost and build Human Capital for Emerging Economies, the
journey of Great Lakes since its inception was focused towards realizing
the founders vision.

Great Lakes Institute of Management was established by Padmashri Dr. Bala V Balachandran, J. L. Kellogg
Distinguished Professor of Accounting and Information Management at the Kellogg School of Management at
Northwestern University. In a short span of time, Great Lakeshasemerged as a preferred B-school among MBA
aspirants in India.

International accreditations:
Great Lakes is the youngest institute in India to have received the prestigious Association of MBAs (AMBA), UK
accreditation for its flagship and executive program. This accreditation was received in 2014. Another prestigious
accreditation SAQS from AMDISSA was received in the year 2015, making Great Lakes one of the few top B-Schools
in India to have received these two international accreditations.

Consistentlyranked among top ten B-Schools in the country:

For the year 2014 -15, Great Lakes has been ranked 7th among one year programs by Outlook India, 7th among one
year programs by Business Today, 7th among private B-Schools in Careers 360, 10th among top B-Schools by
Business India.

Global collaborations with leading B-Schools

Great Lakes carefully chosen collaborations with some of worlds leading Institutions - academic with Stuart
School of Business, Illinois Institute of Technology, and MOUs with Nanyang Technological University of Singapore,
Bauer College of Business, University of Houston, USA, Fudan, China, CUOA of Italy and University of Bordeaux,
France, University of Luxembourg, HHL Leipzig, Georgia State University and Indira Gandhi Center for Atomic Research,
have given it a cutting edge.

South Asias first LEED platinum rated campus

Great Lakes is housed in a 27.5-acre LEED Platinum rated green campus, comprising academic, recreational and
residential facilities for both students and staff and reflects the Institutes credo of Global Mindset Indian Roots.
The facilities include 360-seater auditorium, food court, well stocked library and 15 lecture halls with Wi-Fi
connectivity all designed to International standards and cater to 600+ students. Great Lakes campus has found
mentions in several articles on beautiful campuses in India. In a recent article by Huffington post, Great Lakes was
selected as one among nine most greenest buildings in the country.

World class Faculty

Great Lakes has 71 full time faculty members who significantly contribute to the holistic development of the
students; periodic seminars and conferences, and 130+ visiting faculty from leading academic and professional
institutions provide a world class education.

Great Lakes has some of the highly acclaimed academicians around the globe as visiting faculty. The visiting faculty
members are from Universities such as Stanford, Kellogg, Yale to mention a few.

42
Unique Leadership experiential program Karma Yoga
One of the key competencies of Great Lakes is their Leadership Experiential Program called Karma Yoga, the
institute has so far reached thousands of villagers around the campus and the students have reached out to the
rural and backward communities and have helped them through several health, wellness, awareness and donation
campaigns.

Industry and Thought Leaders at Great Lakes

Understanding the need to provide a platform for accessing the insights provided by global thought leaders, Great
Lakes has had over 100+ thought leaders and Industry titans addressing the students in the past that include
Messrs. (Late) Abdul Kalam, Ratan Tata, Narayana Murthy, Azim Premji, Jamshyd Godrej, Rahul Bajaj, IndraNooyi,
Kiran Mazumdar Shaw and Philip Kotler.

Centers for Excellence:

Great Lakes, in collaboration with Industry has set up Centers of Excellence in focus areas, which are involved in
academic research, Industry oriented dissemination of learning and act as an advisory body to the government and
society at large.

The Centers that are currently operational are:

Kotler Srinivasan Center for Research in Marketing

Great Lakes Center for Management Research

Union Bank Center for Banking Excellence

Center for Excellence in Technopreneurship (CET)

Centre For Excellence In Business Analytics & Business Intelligence

Proud Alumni Base:

With a firm belief in its ethos Global Mindset - Indian Roots, the institute has developed some of the finest talent
in the country in the last decade. Having a proud alumni base of over 3800+ Great Lakers spread across different
countries having some of the high profile portfolios in the corporate arena, Great Lakes has also honed the skills of
around 50 entrepreneurs, many of them creating waves in their respective industry.

The institute enjoys an enviable placement track record at average salaries commensurate with students
expectations, making it a preferred destination for students seeking quality management education.

Student driven Institute:

Great Lakes takes pride in being a student driven, participative and democratic Institute with the students having
as much authority and responsibility as the management in the functioning of the Institute through student
committees. This, they believe is a clear differentiator between other institutes.

Post Graduate Diploma in Management (PGDM)

This two year program with its emerging economy centric curriculum is AICTE approved and helps develop business-
ready managers for a changing global business environment.

The program has a clear focus on emerging economies and their growth. PGDM offers a unique and nonpareil
coverage of the economies of China, Far-East, Latin America and Africa in comparison to the India growth story. The
PGDM has been designed by the Great Lakes Academic Advisory Council, which comprises the best in the world of
managerial academia. This in turn has been streamlined with inputs from the Institutes illustrious Business
Advisory Council, to keep it in sync with the needs of an ever changing market place. The course helps the students
to develop into business-ready managers, capable of responding to complex business requirements that arise in a
changing global business environment.

Great Lakes partners with domestic and foreign employers to bring a variety of live projects, internships and jobs
to the qualified students pool.

43
Value-Adds Inside Classrooms

Emerging economy centric curriculum

Foreign language learning [Mandarin]
Horizontal function + Vertical domain focus
Study of PEST environment of specific emerging economy clusters
Experiential learning through simulations
Technology driven virtual classrooms with global connectivity
Emotional and ethical quotient building
Exposure to latest curriculum with faculty from across the globe

Value-Adds Outside Classrooms

Entrepreneurial incubation
Technopreneurship with focus on emerging markets
Emerging economy centric empirical study
Internship with Indian companies having operations abroad
Karma Yoga - A Leadership Experiential Program

Indian Institute of Foreign Trade (IIFT), Delhi

History:
The Indian Institute of Foreign Trade (IIFT) is an autonomous public business schoolestablished in 1963 by
the Government of India to help professionalise the countrys foreign trade management and increase exports by
developing human resources, generating, analysing and disseminating data.

The Institute visualises its future role as:

A catalyst for new ideas, concepts and skills for the internationalisation of the Indian economy.
The primary provider of training and research-based consultancy in the areas of international business, both for
the corporate sector, Government and the students community.
An institution with proven capability to continuously upgrade its knowledge base with a view to servicing the
requirements of the Government, trade and industry through both sponsored and non-sponsored research and
consultancy assignments.

IIFT has, over the years, undertaken path-breaking research studies with organisations like WTO, World Bank,
UNCTAD and the Ministry of Commerce & Industry, Government of India. The Institute has also trained more than
40,000 business professionals across 30 countries in various facets of international business and trade policy via
its Management Development Programmes.IIFT has two campuses in Delhi and Kolkata.

Courses:
IIFTs portfolio of long-term programmes is as follows:
Ph.D. Course (full time and part time)- at Delhi and Kolkata Campus.
Two-Year Residential MBA (International Business) - New Delhi, Kolkata, and Dar-es-Salaam (Tanzania). This is
the flagship course, offering specialisation in Marketing, Finance, Systems and Trade.
Three-Year Part Time MBA (International Business), New Delhi & Kolkata
Executive Masters in International Business, New Delhi, Dubai and DaresSalaam
Certificate Course in Export Management, New Delhi, Kolkata, Guwahati (Assam)
Post Graduate Diploma in International Business Strategy through NIIT Imperia
Admission information:
IIFT is a deemed-university and it conducts an autonomous entrance examination across various centres in India.
In 2011, an estimated whopping 55000 candidates took the entrance exam for Full Time MBA (IB) course with 220
seats, making it one of the toughest B-schools to get into in India.

44
Placements:
The institute has a Placement Committee which is a ten member body of elected representatives. It consists of six
people from Delhi campus and four from Kolkata campus. The purpose of Placement Committee is to ensure good
final and summer placements for the students of the full-time MBA (IB) programme. To this end, it makes
representations to Human Resource departments of various organisations, and arranges placement week / interviews
and selection procedures for IIFT students.

Recruiters at a glance (Partial List)

ACG-Worldwide ,Goldman Sachs ,Maruti Suzuki ,Airtel ,Google ,Nomura, Amazon, HCL ,P&G, Amrop India
Consultants,HDFC, PwC, AT Foods ,Hero MotoCorp ,Raymond, Bajaj ,HSBC,Reckitt Benckiser,Britannia, ICICI
Bank,SabMiller CEB,Idea, Sharaf Group, Dubai ,Cipla ,Indus Valley Partners,Swiss Singapore ,Citibank ,Infosys,Tata
Motors, CBC ,Interglobe ,Tata Steel, Colgate Palmolive ,ITC, Technopak ,Crisil ,JSPL ,Titan ,Dassault Systems ,KPIT
Cummins, Tricon Energy,DBS ,KPMG ,Trident ,Flipkart ,Madura ,Vodafone ,GCPL ,Mahindra ,Wipro.

Placement Statistics
Class 2011-13 Class 2010-12
Batch Strength 210 203
Number of companies that made offers 74 80
First time recruiters 34 34
Average Overall CTC Rs. 12.40 Lakhs Rs. 12.1 Lakhs
Highest Domestic CTC Rs. 22 Lakhs Rs. 19 Lakhs
Average International CTC USD 38,309 USD 56,202
Lowest CTC Rs. 6.42 Lakhs Rs. 5.32 Lakhs

Career Prospects in Human Resource Management

Dr Merlin Mythili .S
Associate Professor HR & OB
Rajalakshmi School of Business, Chennai

Global competition, technological advances, macro and micro economic challenges and the changing nature of
work and workplace make Human Resources the most important asset and effective Human Resource Management the
crucial factor for success of organizations. A specialization in HR not only unlocks a wealth of opportunities in every
business sector with important job positions in the HR functional area but also managerial job seekers in every other
specialization also need to have an understanding of how to handle human resources as part of their job profile.

Why an understanding of Human Resource Management is important to all Managers and what do HR Managers do?
Human resources managers plan, direct, and coordinate the administrative functions and Human capital requirements
of an organization. They oversee the recruiting, interviewing, and hiring of new staff; consult with top executives on
strategic planning; and serve as a link between an organizations management and its employees.

Any organization would not want to

hire a wrong person for a job,
experience high turnover,
be pulled up for non-compliance of occupational safety and unsafe practices
be sued for discriminatory practices
allow a lack of training to affect productivity etc.

Therein lies the importance of a robust human resource management.

Duties of a HR Manager
Typically the duties of a HR Generalist involve the following:
Planning and coordinating an organizations workforce requirements
Serving as a link to an organizations management and its employees
Administering employee services such as payroll, training and benefits

45
 Overseeing an organizations recruitment, interview, selection, and hiring processes
Handling staffing issues, such as mediating disputes and directing disciplinary procedures
Supervising occupational safety and employee welfare
Implementing employment law and assuring legal and regulatory compliances

Job Options in HRM:

HR Generalists:
In large organizations, the HR Generalists are responsible for securing and aligning all human capital needs of the
business unit that the generalists are attached to such as marketing, production, or supply chain. The generalist
usually works in a matrixed organizational structure discharging line, staff and coordinative functions and reports
to the head of the business unit he/she is assigned to and to a senior HR manager.

HR Specialists Career options

Large Organizations have specialist HR career options such as the following:

Recruiting and Placement Specialists

Recruitment and Placement Managers oversee the recruiting and hiring responsibilities of the Organizations. Jobs
include: recruiter, college recruiter, interviewer, headhunter, test administrator, employment manager.

Training and Development Specialists

Training and development specialists help plan, conduct, and administer programs that train employees and
improve their skills and knowledge. They are responsible for creating training manuals, procedures, and training
aids for the organization. Training programs can range from sales techniques to safety issues, and from computer
skills to team building. Jobs include: counselor, career planner, junior training specialist, senior training specialist,
technical recruitment specialist, and orientation or induction specialist

Administrative Services Managers

Administrative services managers plan, direct, and coordinate supportive services of an organization. Their specific
responsibilities vary by the type of organization and may include keeping records, distributing mail, facility and
transport management.

Compensation and Benefits Managers

Compensation managers plan, direct, and coordinate how much an organization pays its employees and how
employees are paid. Benefits managers plan, direct, and coordinate retirement plans, health insurance, and other
benefits that an organization offers its employees.Jobs include: payroll manager, compensation analyst, salary
administrator, executive compensation manager, compensation manager, EEO administrator.

Labor Relations Specialists

Labor relations specialists interpret and administer labor contracts regarding issues such as wages and salaries,
employee welfare, healthcare, pensions, and union and management practices.Jobs include: labor relations
specialist, employee counselor, mediator, arbitrator, director of industrial relations.

Health, Safety, and Security Specialists

They develop health and safety programs; conduct safety inspections; collect accident data and report safety
records; prepare government reports; maintain contacts as needed with government and regulatory agencies.
Jobs include: safety specialist, security specialist, industrial nurse, employee welfare managers.

Top HR Executives
Top HR executives devise strategies and policies to ensure that an organization meets its goals. They plan, direct,
and coordinate operational activities of companies and organizations.

Educational Qualification
For entry level HR generalists jobs a bachelors degree in human resources or business administration might
suffice. For a full-fledged career option in HR requires a masters degree in human resources, labor relations, or a
Master of Business Administration (MBA) degree with HR specialization.

46
The Skills You Need in an HR Job
Jobs in HR encompass a wide range of duties. Good HR professionals are excellent multi-taskers with strong
organizational skills, technical skills, interpersonal skills, decision-making skills, leadership skills, and speaking
skills To excel in this role one has to be sensitive to the needs of others and have the ability to view things in others
perspective at the same time would have to be able to view the big picture and sell those ideas that would serve the
larger purpose of the organization to the organizations functional heads and internal clients. The HR manager has
to be an extrovert and also be able to deal with pay and people related information with a lot of confidentiality as
the HR department will be the repository of all employee related information.

Finally the human resources field is also changing as other functional areas and is constantly being redefined with
increasing use of technology, training and outsourcing. So exciting career prospects are evolving in the HR area like
never before and HR job openings offer an enriching work experience to discerning candidates.

About the Author:

With over a decade of academic and research experience,Dr. Merlin Mythili has taught at leading B-Schools in
India. She has been on a faculty exchange programme at the School of Management, University of Bradford, UK and
has taught in their offshore Undergraduate Degrees Programmes in India.Her teaching and research interests
include Organizational Culture, Communication at workplace and Gender issues in Management. She has presented
and published research papers at the national and international levels. She is currently associate Professor in HR
& OB area at Rajalakshmi School of Business.

47
Nickname of Countries
Countries Nickname
Albania Land of the Eagles
Australia Aussie or Gods Country
Belarus White Rus
Brazil Pindorama
Burkina Faso Land of the upright men
Cameroon The Armpit of Africa or Hinge of Africa
Canada The Great white North or 51ststate
Chad The dead heart of Africa
China The Sleeping Giant
Colombia Locombia Country of the crazy
Costa Rica Switzerland of Central America
Egypt The cradle of Civilization
Finland Land of a Thousand Lakes
France LHexagone
Guyana Land of Many Waters
Hungary Land of the Huns
Iceland Land of the Midnight Sun
India The Jewel in the Crown
Indonesia Emerald of the Equator
Ireland The Emerald Isle
Israel Holy Land
Italy The Boot
Japan Land of the Rising Sun
Kenya Gods Place
Lebanon The Pearl of the Mediterranean
Lesotho The Kingdom in the Sky
Mongolia Land of the Blue Sky
Netherlands Holland
New Zealand Gods own Country
Nigeria Giant of Africa or Trigger
Philippines Gateway to Asia
Russia Mother Russia
Rwanda Land of a Thousand Hills
Saint Kitts and Nevis Sugar City
Saint Lucia Helen of the West
Singapore The Fine Country
Slovenia The country on the sunny side of the Alps
South Africa Rainbow Nation
Spain The Bulls Skin
Sri Lanka Pearl of the Indian Ocean
Sweden Svea
Switzerland Land of Chocolate and cuckoo clocks
Thailand The Land of Smiles
United Kingdom Blighty
United States The States or Land of the Brave
Uruguay South Americas Switzerland

48
 S.N NAME
1 Dr. Rajendra Prasad (1884-1963)
2 Dr. Sarvepalli Radhakrishnan
(18881975)
3 Dr. Zakir Hussain (18971969)
4 Varahagiri Venkata Giri *
(18941980)
5 Mohammad Hidayatullah *
(19051992)
6 Varahagiri Venkata Giri
(18941980)
7 Fakhruddin Ali Ahmed
(19051977)
8 Basappa Danappa Jatti*
(19122002)
9 Neelam Sanjiva Reddy
(19131996)
TOOK OFFICE LEFT OFFICE NOTES
26-Jan-50 13-May-62 1952 election & 1957 electionPrasad, from Bihar, was the first President of
independent India. He was also a freedom fighter during the Indian independence
movement. Prasad was the only president to serve two terms in office.
13-May-62 13-May-67 1962 electionRadhakrishnan was a prominent philosopher, writer, aKnight of the
Realm and also held the position of vice chancellor of the Andhra University and
Banaras Hindu University.He was also made a Knight of theGolden Army of Angels
by Pope Paul VI.
13-May-67 3-May-69 1967 electionHussain was vice chancellor of the Aligarh Muslim University and
a recipient of Padma Vibhushan andBharat Ratna. He died in office.
3-May-69 20-Jul-69 Giri was appointed as Acting President of Indiafollowing the death of Hussain. He
resigned in a few months to take part in the presidential elections.
20-Jul-69 24-Aug-69 Hidayatullah served as the Chief Justice of India, and was a recipient of the Order
of the British Empire.He served as Acting President of India until the election of
Giri as the President of India.
24-Aug-69 24-Aug-74 1969 electionGiri is the only person to have served as both an acting president
and president of India. He was a recipient of the Bharat Ratna, and has functioned
as Indian Minister of Labour and High Commissioner toCeylon (Sri Lanka).
24-Aug-74 11-Feb-77 1974 electionFakhruddin Ali Ahmed served as a Minister before being elected as
president. He died in 1977 before his term of office ended, and was the second
Indian president to die in office.
11-02-2013 25th July1977 Jatti was the vice president of India during Ahmeds term of office, and was sworn
February 1977 in as Acting President of India upon Ahmeds death. He earlier functioned as the
Chief Minister for the State of Mysore
25-Jul-77 25-Jul-82 1977 electionN.S.Reddy was the first Chief Minister of Andhra Pradesh State.
Reddy was the only Member of Parliament from the Janata Party to get elected
from Andhra Pradesh.He was unanimously elected Speaker of the Lok Sabha on 26
March 1977 and relinquished this office on 13 July 1977 to become the 6th

49
President of India.
 10 Giani Zail Singh 25-Jul-87 25-Jul-92 1987 electionIn 1942, Venkataraman was jailed by the British for his involvement
(19161994) in the Indian independence movement.After his release, he was elected to
independent Indias Provisional Parliament as a member of the Congress Party in
1950 and eventually joined the central government, where he first served as
Minister of Finance and Industry and later as Minister of Defence.
11 Shankar Dayal Sharma 25-Jul-92 25-Jul-97 1992 electionSharma was Chief Minister of Madhya Pradesh, and the Indian
(19181999) Minister for Communications. He has also served as the governor of Andhra
Pradesh, Punjab andMaharashtra
12 Kocheril Raman Narayanan 25-Jul-97 25-Jul-02 1997 electionNarayanan served as Indias ambassador to Thailand, Turkey, China
(19202005) and United States of America. He received doctorates in Science and Law and was
also a chancellor in several universities.He was also the vice-chancellor of
Jawaharlal Nehru University.
13 Dr. A. P. J. Abdul Kalam 25-Jul-02 25-Jul-07 2002 electionKalam is a scientist who played a leading role in the development of
(b. 1931) Indias ballistic missile and nuclear weapons programs.[26] He also received the
Bharat Ratna. Kalam was affectionately known as thePeoples President.
14 Pratibha Patil 25-Jul-07 25-Jul-12 2007 electionPatil is the first woman to become the President of India. She was
(b. 1934) also the first female Governor of Rajasthan.
15 Pranab Mukherjee 25-Jul-12 Incumbent 2012 electionMukherjee held various posts in the cabinet ministry for the
(b. 1935) Government of India such as Finance Minister,Foreign Minister, Defence Minister
and Deputy Chairman of the Planning Commission

50
 S.N. NAME TOOK OFFICE LEFT OFFICE POLITICAL PARTY NOTES
1 Jawaharlal Nehru(18891964) 15 August1947 27 May1964 Indian National Congres
Indo-Pakistani War of 1947; created Planning Commission of
MP for Phulpur India and initiated Five-year plan to increase government
investment in agriculture and industry; launched programmes
to build irrigation canals, dams and spread the use of fertilizers
to increase agricultural production; oversaw widespread
poverty and unemployment, even with improvements in
agriculture and infrastructure; oversaw establishment of All
India Institute of Medical Sciences, Indian Institutes of
Technology and Indian Institutes of Management; criminalised
caste discrimination and increased the legal rights and social
freedoms of women; pioneered the policy of non-alignment and
co-founded the Non-Aligned Movement; Sino-Indian War; signed
the Indus Waters Treaty; granted asylum to the Dalai Lama;
oversawliberation of Goa.
2 Gulzarilal Nanda[j](18981998) 27 May1964 9 June1964 Indian National Congres Indo-Pakistani War of 1965; pushed for Green Revolution in
MP for Sabarkantha India and Operation Flood; TheNational Dairy Development
Board was formed; died from a heart attack at a summit
inTashkent.
3 Gulzarilal Nanda(18981998) 11 Jan1966 24 Jan 1966 Indian National Congres Served as caretaker Prime Minister once again, until Indira
Gandhi was chosen as the new leader.
4 Indira Gandhi(19171984) 24 Jan1966 24 March1977 Indian National Congres Nationalized banks; won the Indo-Pakistani War of 1971, which
MP for Rae Bareli resulted in the formation of Bangladesh; signed the Shimla
Agreement; tested the first nuclear weapon with Smiling Buddha;
initiated Green Revolution in India; imposed state of emergency
19751977.
5 Morarji Desai(18961995) 24 March1977 28 July1979 Janata Party Improved relations with Pakistan, China and the United States;
MP for Surat [RES] softened its relationship with the Soviet Union; launched Sixth
Five-Year Plan, aiming to boost agricultural production and
rural industries; the plan proved unsuccessful leading to
resurging inflation, fuel shortages, unemployment and poverty;
lost many MPs from Janata Party, including his rival Charan
Singh, which led to his resignation.

51
6 Charan Singh(19021987) 28 July1979 14 Jan 1980 Janata Party(Secular) Initiated high level diplomatic relations with Israel; lost support
MP for Baghpat with Indian National of Congress, which led to his resignation without even a single
Congress session of Lok Sabha.
7 Indira Gandhi(19171984) Jan1980 31 Oct1984 Indian National Congress Operation Blue Star, which subsequently led to her assassination.
MP for Rae Bareli
 8 Rajiv Gandhi(19441991) 31 Oct1984 2 Dec 1989 Indian National Congress 1984 anti-Sikh riots; significantly reduced License Raj; expanded
MP for Amethi telecommunications in India; signed the Indo-Sri Lanka Peace
Accord; Bofors scandal; nullified the Supreme Courts judgement
on Shah Bano case.
9 V. P. Singh(19312008) 2 Dec1989 10 Nov 1990 Janata Dal(National Front) Negotiated terrorist kidnapping of Mufti Mohammad Sayeeds
MP for Fatehpur daughter; visited Golden Temple to ask for forgiveness for
Operation Blue Star; withdrew IPKF from Sri Lanka; initiated
fixed quota/reservation for all public sector jobs as per
recommendation fromMandal Commission; Ram Janmabhoomi
agitation and subsequent loss of vote of no confidence because of it.
10 Chandra Shekhar(19272007) 10 Nov 1990 21 June1991 Samajwadi Janata Party Resigned due to accusations of spying on former Prime Minister
MP for Ballia with Bharatiya Janata Rajiv Gandhi, and subsequent withdrawal of Congress support;
Party Assassination of Rajiv Gandhi.
11 P. V. Narasimha Rao(19212004) 21 June1991 16 May1996 Indian National Congress Initiated Economic liberalisation in India; SEBI Act 1992;
MP for Nandyal Demolition of Babri Masjid; formation of National Stock
Exchange of India; 1993 Bombay bombings; introduced TADA.
12 Atal Bihari Vajpayee (1924 ) 16 May1996 1 June1996 Bharatiya Janata Party Hung parliament. Was in power for only 13 days, after BJP could
MP for Lucknow not gather enough support from other parties to form a majority.
13 H. D. Deve Gowda (1933 ) 1 June1996 21 April1997 Janata Dal(United Front) Hung parliament. After a failed attempt of forming a BJP
MP for Rajya Sabha government, Congress refused to form a government and instead
supported a minority United Front coalition led by Janata
Dal.President of China Jiang Zemin begins the first visit by a
Chinese head of state to India; initiates Presidents rule in Gujarat.
14 Inder Kumar Gujral(19192012) 21 April1997 19 March1998 Janata Dal(United Front) Fodder scam; Jain Commission; Gujral Doctrine.
MP (Rajya Sabha) for Bihar
15 Atal Bihari Vajpayee (1924 ) 19 March1998 22 May2004 Bharatiya Janata Party Pokhran nuclear tests; Kargil War; National Highway
MP for Lucknow (National Democratic Development Project; Pradhan Mantri Gram Sadak Yojana;
Alliance) expanding ties with Israel; POTA; Sarva Shiksha Abhiyan; 2001
Indian Parliament attack and Operation Parakram; Indian
Airlines Flight 814 hijack; 2002 Gujarat violence; National
Technical Research Organisation.
16 Dr. Manmohan Singh(1932 ) 22 May2004 Incumbent Indian National Congress Indo-US civilian nuclear agreement; won the 2008 Lok Sabha
MP (Rajya Sabha) for Assam (United Progressive vote of confidence; US $ 1 Trillion Economy milestone reached;
Alliance) expanding ties with Israel; Economic crisis of 2008;National
Rural Employment Guarantee Act; Right to Information Act;
National Rural Health Mission; Unique ID; 2008 Mumbai attacks
and subsequent Unlawful Activities (Prevention) Act; 2010
Commonwealth Games and related controversies; 2G spectrum

52
scam; Right to Education Act;Anna Hazares Jan Lokpal agitation;
Coalgate.
17 Narendra Modi 5th june 2014 Bharatiya Janata Party
(NDA)
 Vice Presidents of India
SR NO. NAME TOOK OFFICE LEFT OFFICE
1 Dr. Sarvepalli Radhakrishnan(18881975) 13-May-52 12-May-62
2 Dr. Zakir Hussain(18971969) 13-May-62 12-May-67
3 Sh. Varahagiri Venkata Giri(18941980) 13-May-67 3-May-69
4 Gopal Swarup Pathak(18961982) 31-Aug-69 30-Aug-74
5 Basappa Danappa Jatti(19122002) 31-Aug-74 30-Aug-79
6 Justice Muhammad Hidayatullah(19051992) 31-Aug-79 30-Aug-84
7 Ramaswamy Venkataraman(19102009) 31-Aug-84 24-Jul-87
8 Shankar Dayal Sharma(19181999) 3-Sep-87 24-Jul-92
9 Kocheril Raman Narayanan(19202005) 21-Aug-92 24-Jul-97
10 Krishan Kant(19272002) 21-Aug-97 27-Jul-02
11 Bhairon Singh Shekhawat(19232010) 19-Aug-02 21-Jul-07
12 Mohammad Hamid Ansari(1937 11-Aug-07 Incumbent

53
 Angela Merkel

First female chancellor of Germany and one of the architects of the European Union.
German Chancellor Angela Merkel continues her reign as the most powerful woman
on the planet for 10 years running. Why? She clinched a third four-year term of
Europes most vibrant economy in December 2014, making her the longest-serving
elected EU head of state. She fought off a national recession during the global
economic crisis with stimulus packages and government subsidies for companies
that cut hours for workers, and she is in the thick of trying to help Greece revive its
economy. She has used her power against ISIS, breaking the post-Nazi-era taboo of
direct involvement in military actions by sending arms to Kurdish fighters. In the
Russia-Ukraine crisis, she has been engaging in shuttle diplomacy trying to broker
a peace deal with Vladimir Putin.

Early Years
Angela Dorothea Kasner, better known as Angela Merkel, was born in Hamburg, West Germany, on July 17, 1954. The
daughter of a Lutheran pastor and teacher who moved his family east to pursue his theology studies, Merkel grew
up in a rural area north of Berlin in the then German Democratic Republic. She studied physics at the University of
Leipzig, earning a doctorate in 1978, and later worked as a chemist at the Central Institute for Physical Chemistry,
Academy of Sciences from 1978 to 1990.

Political Career
Merkel entered politics in the wake of the Revolutions of 1989 following the fall of the Berlin Wall. She joined the
Christian Democratic Union (CDU) political party and briefly served as a deputy spokesperson for the first
democratically elected East German Government in 1990. Following German reunification in 1990, she was elected
to the Bundestag for Stralsund-Nordvorpommern-Rgen in the state of Mecklenburg-Vorpommern, a seat she has
held ever since.She was appointed to Helmut Kohls cabinet as Minister for Women and Youth in 1991 and later
served as Minister for the Environment and Nuclear Safety in 1994. Following Kohls defeat in the 1998 general
election, she was named Secretary-General of the CDU. In 2000, she was chosen party leader, but lost the CDU
candidacy for chancellor to Edmund Stoiber in 2002.

In the 2005 election, Merkel narrowly defeated Chancellor Gerhard Schrder, winning by just three seats. CDU
formed a grand coalition consisting of CDU, its Bavarian sister party, the Christian Social Union (CSU), and the
Social Democratic Party of Germany (SPD) declaring her as Germanys first female chancellor. Merkel is also the
first former citizen of the German Democratic Republic to lead the reunited Germany and the first woman to lead
Germany since it became a modern nation-state in 1871. She was elected to a second term in 2009 with CDU
obtaining the largest share of the vote and Merkel was able to form a coalition government with the support of the
Free Democratic Party(FDP).

Merkel made headlines in October 2013 when she accused the U.S. National Security Agency of tapping her cell
phone. At a summit of European leaders she chided the United States for this privacy breech, saying that Spying
among friends is never acceptable. Later reports revealed that the NSA may have been surveilling Merkel since
2002. Merkel was sworn in for a third term in December 2013 where CDU won a landslide victory with 41.5% of the
vote, falling just short of an overall majority, and formed a second grand coalition with the SPD, after the FDP lost
all of its representation in the Bundestag.

In 2007, Merkel was President of the European Council and chaired the G8, the second woman to do so. She played
a central role in the negotiation of the Treaty of Lisbon and the Berlin Declaration. One of her priorities was also to

54
 strengthen transatlantic economic relations by signing the agreement for the Transatlantic Economic Council on 30
April 2007. Merkel was seen as having played a crucial role in managing the financial crisis at the European and
international level, and has been referred to as the decider.In domestic policy, health care reform and problems
concerning future energy development have been major issues during her Chancellorship.

Merkel has been described as the de facto leader of the European Union, and was ranked as the worlds second most
powerful person by Forbes magazine in 2012, the highest ranking ever achieved by a woman; she is currently ranked
fifth.On 26 March 2014, she became the longest-serving incumbent head of government in the European Union.
Merkel is currently the Senior G7 leader. In May 2015, she was named the most powerful woman in the world for a
record ninth time by Forbes.

European Migrant Crisis

She has been applauded world over by taking a humantiatian approach to the migrant crisis and welcoming them.
While her Open Door policy for migants, where she has resolved to allow up to one million migrants into her
country this year, has been hugely appreciated worldwide, it is being strongly criticized by a section of German
nationals and officials as well as other European nations. They fear that Merkels open door migrant policy will
lead to civil war. Hansjoerg Mueller, of the Alternative for Germany party, said the country was sliding towards
anarchy and risks becoming a banana republic without any government. Recently, 8,000 people joined the anti-
Islam Pegida movement in Dresden protesting against Merkels decision.

55
 SNAP General Awareness 2008 & 2009

For the following 5 questions in this section, correct answers carry 2 marks each.

1. A. M. Touring award is considered as the Nobel Prize in the field of computers, given annually by Association for
Computing Machinery co-sponsored by Intel and Google. Who was A. M. Touring in whose memory the award was
instituted?
a. First Chairman of Intel.
b. A British Mathematician
c. The legendary Dean of Stanford who revolutionized the computer education in the US.
d. An US cognitive scientist in the field of artificial Intelligence (AI) and co-founder of Massachusetts Institute of
Technologys AI laboratory.

2. Find the most accurate description of Bt Cotton.

a. A variety of cotton that grows fast
b. A genetically modified crop of cotton whose DNA has been altered by introducing an extra gene.
c. A variety of cotton that is immune to diseases.
d. A genetically modified crop of cotton whose DNA has been designed in the lab.

3. Las Vegas, US-based tour operator AMX Company has filed a trademark patent for which of the following tagline?
a. Gods Own Country b. Heaven on Earth
c. Discover Incredible India d. Come Alive with India

4. Which out of the following holds the highest number of shares of ICICI Bank?
a. Banks Financial Institutes and Insurance b. FIIs
c. General public d. Private Corporate Bodies

5. Indian Standard Time is based on the longitude of 82.5 degrees passing through which of the following places?
a. Mirzapur, U.P. b. Jabalpur, M.P. c. Nagpur, Maharashtra d. Jaipur, Rajasthan

For the following questions in this section, correct answers carry 1 mark each.

6. The Black Box of an aircraft is an important part as all the conversations and data are recorded therein. Although
it is named black box, but its color is not black. What is the color of the black box in a commercial airplane?
a. Brown b. Yellow c. Red d. Orange

7. Find the person who plays the odd sport out of the following.
a. Navaratilova b. Michael Phelps c. David Beckham d. Prakash Padukone

8. Sariska and Ranthambore are the reserves for which of the following animals?
a. Lion b. Deer c. Tiger d. Bear

9. March, 2008 witnessed a turning point in the history of which of the following Himalayan Kingdoms when democracy
was ushered in replacing monarchy?
a. Bhutan b. Nepal c. Sikkim d. None of these

10. Neil Armstrong brought back a rock from the moon. On earth
a. The mass of the rock will change b. The weight of the rock will change
c. Mass and weight will change d. None of the above

11. Milk, Cheese and Eggs are the source of

a. Vitamin C & A b. Vitamin A & D c. Vitamin C & D d. Vitamin B & C

56
12. In August 2008, Indias longest runway for the passenger aircraft was commissioned in:
a. Mumbai b. New Delhi c. Hyderabad d. Bangalore

13. The first ever public hearing in India, almost like a referendum, on the fate of SEZ was held during the month of
September 2008 in / at
a. Verna IT/ ITeS SEZ in Goa b. Haryana for Reliance Haryana SEZ
c. Pen, Maharashtra d. POSCO India, Steel SEZ Phase II, Orissa

14. Al Ahram is
a. A university in Damascus b. A newspaper in Cairo
c. A mosque in Riyadh d. A small mountain range in Jordan

15. Indias largest and first multi-national pharmaceutical giant Ranbaxy has been bought over by
a. Matrix Pharma b. GVK Bio-Sciences c. Merck d. None of these

16. Find the odd product out of the following:

a. Pamper b. Dove c. Tide d. Pantene

17. In the internet sphere, Opera is the name of a:

a. Web conference site b. Web advertising firm c. Software for webinars d. Web browser

18. Which of the following pair is not correct?

a. Shahid Parvez : Sitar b. Rashid Khan : Vocal Music
c. Ayaan Ali Khan : Sarod d. Romu Muzumdar : Guitar

19. At what frequency SENSEX calculation is carried out?

a. Every half an hour b. Every hour c. Real time d. 6 times a day

20. The second largest manufacturer of CDs, DVDs and other optical media in the world is:
a. Sony b. Intel c. Philips d. Moser Baer

21. Which of the following is a legal right and not a fundamental right?
a. Right to liberty of thought and expression b. Right against exploitation
c. Right to property d. Right to practice religion

22. The term Net Shot is associated with

a. Badminton b. Tennis c. Table Tennis d. Volley Ball

23. What is Dry Ice?

a. Solidified carbon dioxide b. Transparent plastic decoy which looks like ice
c. Sulfur dioxide at 57 degree Celsius d. Chemically treated ice to make it dry.

24. The rail-based mass rapid transit system in Mumbai has been awarded to a consortium of companies led by:
a. Reliance Infrastructure b. Reliance Industries c. GMR Infrastructure d. Lanco Infrastructure

25. If bilirubin is high in a human body, which organ is most affected?

a. Pancreas b. Liver c. Kidney d. Large Intestine

26. Who of the following is one of the most celebrated photo journalists in India?
a. Gautam Rajadhyaksha b. Raghu Rai c. Anjii Reddy d. Sudhir Das

27. Inflation implies

a. Rise in budget deficit b. Rise in general price index
c. Rise in price of consumer goods d. Rise in money supply

28. The India-US Nuclear Deal is called 123 Agreement. What does 123 denote?
a. The deal governed by the clause number 123 of International Atomic Energy Agency, in the context of peaceful use
of atomic energy.

57
 b. This number denotes a cluster of clauses of Hyde Act of US Government
c. This is the simple number related to chain reaction for creation of atomic energy.
d. Section 123 of the US Atomic Energy Act.

29. In the United States of America, the President is elected

a. By the electorate b. By the electoral college
c. By the two national political parties d. By the U.S. congress

30. The term Uruguay Round is associated with an important world organization. Which one?
a. UNDP b. GATT c. WTO d. World Bank

31. Siebel is a software firm that has been taken over by:
a. IBM b. Accenture c. Gartner d. Oracle

32. First Indian motion picture insured by a General Insurance company is

a. Hum Apke Hain Kaun b. Taal c. Dil Se d. Ashoka

33. Indias first coalition government in New Delhi was formed under the leadership of:
a. V. P. Singh b. P. V. Narasimha Rao c. Morarji Desai d. Atal Behari
Vajpayee

34. WiMax stands for:

a. Wireless internet for microwave access b. Wireless inter-operability for microwave access
c. Worldwide internet for microwave access d. Worldwide inter-operability for microwave access

35. El Nino is
a. A Sea storm b. A war ocean current c. A tropical disturbance d. Another name of typhoon

36. Dendrochronology is
a. The method of scientific dating based on the analysis of tree-ring growth patterns.
b. A core sample from the accumulation of snow and ice over many years that have re-crystallized and have trapped
air bubbles from previous time periods.
c. is the study of glaciers or more generally ice and natural phenomena that involve ice.
d. The scientific study of landforms and the processes that shape them.

37. Which company launched the first mobile phone operation in India?
a. Bharti Airtel b. Essar c. Max Touch d. Modi Telstra

38. Which is the longest running English language TV cartoon in history, first launched by Warner Brothers in 1969
exclusively for television, and is now popular fare on the Cartoon Network?
a. Scooby Doo b. Tom and Jerry c. Popeye d. Johnny Bravo

39. The expansion for BIFR, in the context of the Indian Industry is:
a. Board for Industrial and Financial Reconstruction
b. Bureau for Industrial and Financial Reconstruction
c. Board for Investment and Financial Reconstruction
d. Bureau for Investment and Financial Reconstruction

40. What is Ekistics?

a. The water sports related study b. The science of Body Mass
c. The art of card tricks d. The science of human settlements

41. What is Red Herring in an IPO?

a. Prospectus b. Submission of Form
c. Funds Generated during IPO d. Minimum Offer per Share

42. Eight oclock Coffee, a US based coffee marketer, is a group company of

a. Tata b. ITC c. Britannia d. Unilever

58
43. Bio-diesel is extracted from the following plant:
a. Hibiscus b. Aloe Vera c. Jatropha d. Chamomile

44. Which woman tennis player won the maximum number of Grand Slam singles titles in the history of tennis?
a. Steffi Graf b. Martina Navratilova c. Billi Jean King d. Margaret Court

45. What is the nickname of New York city?

a. Big Sweet Lime b. Big Apple c. Big Grape d. None of the above

46. Which was the first Indian company to be listed in NASDAQ?

a. TCS b. Wipro c. Infosys d. Cognizant

47. TAREGNA a village in Bihar was in the news because of

a. Rahul Gandhis election campaign b. Viewing of the solar eclipse
c. A visit by Hillary Clinton d. The Naxal massacre of tribals

48. The driver for Formula Ones Force India Team is

a. Mark Webber b. Adrian Sutil c. Felipe Massa d. Jensen Button

49. MDRT Million Dollar Round Table consists of

a. Worlds richest industrialists b. Worlds most powerful golfers
c. Global Association of Life Insurance professionals d. Worlds richest sports persons

50. Who declares the Credit Policy of India?

a. The Finance Ministry b. Reserve Bank of India
c. The Commerce Ministry d. The Indian Banks Association

51. Name of the body which regulates the stock Exchanges in India is
a. CBI b. CID c. SHCIL d. SEBI

52. Rafflesia Arnoldii is its botanical name and it holds a world record in the plant world. Whats the record?
a. Tallest cacti b. Largest bloom c. Longest surviving tree d. Smallest plant

53. Temujin was a famous historical character of the world, but we know him by a different name. Which one?
a. Babur b. Genghis Khan c. Kublai Khan d. Empereor Nero

54. What is short selling in stock market lingo?

a. Selling the shares which you do not own.
b. Selling a share after owning it for a short period of time.
c. Selling all the shares in your booty which are not productive.
d. Selling of shares which are quoted for a short period of time.

55. Mahatma Gandhi was nominated for Nobel Peace prize for the first time in the year 1937 and last time in the year
1948. How many times in between these two years was he nominated?
a. 1 b. 3 c. 2 d. 0

56. Which organization instituted the Nobel Prize in Economics?

a. Svenska Handelsbanken b. International Monetary Fund
c. Economics Department of Oxford University d. Sveriges Riksbank

57. Film stars have been endorsing Lux beauty soap since ages. Who was the first actress of Bollywood to do so?
a. Madhubala b. Leela Naidu c. Suraiya d. Leela Chitnis

58. Indias interstate cricket tournament is named after Kumar Shri Ranjitsinghji Vibhaji Jadeja or in short Ranji, the
great cricket legend. He played his cricket in England and also played for English national team. Which county he
used play for in the league cricket of England?
a. Sussex b. Essex c. Somerset d. Surrey

59
59. As a practice, all major states capitals have offices of Reserve Bank of India with only one exception. Which city of
India has an office of RBI without being a state capital?
a. Pune b. Allahabad c. Baroda d. Nagpur

60. This distinguished Indian was born on 28th December 1937 in Surat. He has completed the Advanced Management
Program at Harvard Business School, USA. He turned down a job offer from IBM to join his family business and
today he is one of the top business leaders of India. Name the tycoon.
a. Ratan Tata b. Anil Ambani c. Azim Premji d. Anand Mahindra

61. It is known to be used in Egypt in 3000 BC, but its name had been derived from old French expression. It is made from
the fermentation of ethanol in a process that yields its key ingredient, ethanoic acid. What is it?
a. Tobasco Sauce b. Phenol c. Vinegar d. Soya Sauce

62. The name of this Japanese company literally means three diamonds. Which one?
a. Sanyo b. Mutsuhito c. Mitsubishi d. Suzuki

63. Who were the first twins to ply test cricket?

a. Merv and Kim Hughes b. Ian and Greg Chappel
c. Surinder and Mohinder Amarnath d. Steve and Mark Waugh

64. Which country has the largest rail network in the world?
a. India b. China c. U.S.A d. U.K.

65. Who won the 2009 French open tennis ladies title?
a. Svetlana Kuznetsova b. Kristina Mladenovic c. Maria Sharapova d. Venus Williams

66. Who invented the microchip?

a. Robert Noyce and Jack Kilby b. Larry Page and Sergey Brin
c. Saber Bhatia d. Gordon Moore & Robert Noyce

67. Which is the largest landlocked country in the world?

a. Switzerland b. China c. Kazakhstan d. Mongolia

68. Which country makes Panama hats?

a. Ecuador b. Panama c. Cuba d. Bolivia

69. Who was the Prime Minister of India when the 42nd Amendment Bill bringing in the changes in the Constitution was passed?
a. Rajiv Gandhi b. V.P. Singh c. Indira Gandhi d. Morarji Desai

70. Which one of the following planets lost its planet status recently?
a. Moon b. Neptune c. Pluto d. Saturn

71. One barrel of oil is approximately equivalent to how many litres?

a. 200 b. 150 c. 120 d. 160

72. Five year plans in India are finally approved by the :

a. Union Cabinet b. President on the advice of Prime Minister
c. National Development Council d. Planning Commission

73. Many a time we read in the newspapers about Southern Cone of South America which includes Argentina, Chile,
Paraguay, Uruguay and Peru. Which is the most spoken language of this geographical area?
a. Portuguese b. Spanish c. French d. English

74. Which one of the following is not a member of the Organization of Petroleum Exporting Countries (OPEC)?
a. Algeria b. Brazil c. Ecuador d. Nigeria

75. Who invented computer laptop?

a. Arthur Wynna - USA b. Q. Daimler - Germany c. Sinclair - Britain d. None of the above

Answers given at the end of the magazine

60
 Crossword

1 2 3 4 5 6 7

9 10

11 12

13 14

15 16 17 18

19 20

21 22 23 24 25

26

27 28 29

30

ACROSS
1 a tyrannical king 4 circumspect; cautious
8 essential component for survival 9 fake or phony as in drugs
10 latin word root meaning pain or sorrow 11 very well-known
13 fish eggs 15 a graphic record of the acuity of hearing of a person
obtained by means of an audiometer
18 an abbreviation of the document needed 19 an amphibian having a long slender body and tail
for change of an academic institution
21 an ornamental fabric in which metallic 25 to expose to the action or effect of air or to cause air to
threads, as of gold or silver, are woven with circulate through
silk, wool, rayon, or cotton; handicapped
26 a hard heavy tropical tree; lustrous black 27 & 28 the legendary lost city of gold
30 Recurring every other day especially of a fever

DOWN
1 deserving to be despised 2 neglected and filthy
3 an act of forgetting or leaving out 4 criticize severely
5 an informal greeting 6 passion or fervor
7 Christmas time 12 a drunkard
14 hierarchy; a level of command 16 An American MNC
17 A central African republic 20 mundane; dull and boring

61
 22 to assist in crime 23 a spy or a mouse
24 prefix meaning in 29 an adjective implying something is in
use or operational.

Answers given at the end of the magazine

Sudoku
4 6
7 2 1 3 9 5 4
4 8
5 6 1 3
1 2
2 7 3 9
1 9
8 7 2 1 4 3 6
3 5

Answers given at the end of the magazine

Gadget Review PHREE

PHREE is the worlds first unrestricted, high resolution, write-virtually-

anywhere mobile input device. The pen is a natural input device for
many people, but as mobile devices become ever more capable, a
problem becomes increasingly evident: its inconvenient to use a stylus
with small-screen devices like smartphones, phablets, and 7-8-inch
tablets. Israeli startup OTM Technologies has made and started
marketing a stylus with a difference: its called Phree, and it allows
you to write on almost any surface within Bluetooth range of your device, displaying the resulting input on-screen.

PHREE was a Kickstarter1 Prject, laucnhed on 12th May 2015 and planned to raise money by crowd-funding. It had
planned to raise about 64 lakhs, from public like you and me but managed to raise over $1 million (just under Rs.
6.5 crore) by June 26, 2015 and by now is close to $2 million, or just under Rs. 13 crore. Heres how it works - the
Phree connects to your device over Bluetooth, and is compatible with apps like Office, OneNote, EverNote, or Viber.
The idea is simple - just sketch or write down an idea - on any surface, and see it appear on your screen.

The cool part is that it also doubles as a headset for your phone, so you can answer calls without taking your eyes
off the screen. It also has a headset jack and allows you to interact with notifications with its OLED touch-screen.
Answering a text message by writing on the back of your hand, for example. The screen is present along one side,
which is visible while youre writing - if youre right handed - so you can reply to texts directly with the Phree, even
if youve kept your phone in your bag. You can even use the Phree to write out a number, dial it, and talk to the person
on the other end, without touching your phone at all. It also supports text entry using handwriting input in multiple
languages, which sounds quite useful.

While were not completely sold on the Phrees design - it looks a little too stocky, and might not be comfortable for
some people to hold - weve got to admit that the features look great, and the little touchscreen on the side allows
you to easily switch between the different functions, anytime you want. The key to Phrees operation is OTM
Technologies patented optical translation measurement technology: What we invented, co-CEO GiladLederer told
ZDNet, is a way to measure laser doppler in three dimensions. The sensor uses the same 850nm laser as optical
mice, measuring the interference between the projected beam and reflections from the surface. The optically extracted
motion signal is then translated into x-y-z information by signal-processing algorithms on the pens 8mm by 8mm
by 16mm integrated sensor unit.

62
 The key advantage of this laser doppler/diffraction technology is that the sensor continues to track the pen tips
motion even when its lifted (by up to about 2.5cm) from the surface, thereby allowing the precise characteristics of
your handwriting to be captured (biometric identification via your signature is another use for Phree). There is no
other technology in the world that can do this without some kind of external reference, said Lederer. If you can see
it, if it reflects light, we can measure it. As computing moves to smaller-screened mobile devices, the appeal of a
technology that doesnt need to write directly on the screen increases greatly.

Phree works with most third-party apps on Android, OS X and Windows devices whether they have touchscreens
or not. Compatibility with iPhones and iPads is problematic because iOS does not display a cursor or support
cursor control: however, Lederer said that OTM Technologies intends to create a dedicated iOS app and will release
an SDK ahead of production shipments of Phree so that developers can optimise their apps. As well as the Phree
itself - which measures 142mm by 18mm by 8.5mm and weighs 30g - the company has cleverly designed a case that
not only supports wireless charging for the Bluetooth pen, but also converts into a stand for your smartphone. The
pens battery lasts for around a week and takes about an hour to recharge, according to OTM Technologies.

OTM Technologies Lederer is, naturally, bullish about Phrees prospects, noting that, Now, with wearables, the
Internet of Things, smart home, virtual reality... suddenly you have a proliferation of devices with various ways to
load you with information but a lot of them are very limited in the way you interact with them. Not only that, but
with DirectInk support slated for all universal apps in Windows 10 and handwriting input now supported for any
Android app via Google Handwriting Input, the wind is clearly blowing the way of widespread pen-driven computing.
We look forward to a full hands-on review of Phree once it starts shopping the same.

About Kiskstarter:
Kickstarter helps artists, musicians, filmmakers, designers, and other creators find the resources and support they
need to make their ideas a reality. To date, tens of thousands of creative projects big and small have come to
life with the support of the Kickstarter community. Since its launch, on April 28, 2009, 9.8 million people have
backed a project, $2 billion has been pledged, and 95,084 projects have been successfully funded.

Our Verdict

Book Review Neither A Hawk Nor A Dove By Khurshid Mahmud Kasuri

This book grabbed our attention on the launch day because of totally non-academic
reasons. The (in)famous event of Shiv Sena smearing black paint on the face of
SudheendraKulkarni to show their protest (in a non-violent manner) caught everyones
attention. However, Kulkarni did launch the book, and his face smeared with black
paint, alongwithKhurshid Mahmud Kasuri holding his book was front-page news in
all newspapers next day. Neither A Hawk Nor A Dove, is a book written by former
Pakistan foreign minister Khurshid Mahmud Kasuri. It is actually a tome, running
into over 800 pages and provides an authoritative and revelatory account of
Pakistans foreign politics and policies.

Kasuri is one of Pakistans most important diplomats, and was the countrys foreign
minister from 2002 to 2007. In this book, he provides the ultimate insiders account
of Pakistans foreign policy, especially the peace process with India including the
Kashmir framework (hailed at the time the most promising-ever dialogue between
Pakistan and India since Independence) and the complex PakistanUSAfghanistanIndia quadrangular relationship.
Kasuri believes that, whenever two statesmen are at the helm in India and Pakistan, for improvement of relations,
they would have to revert to the framework formulated during his tenure as Foreign Minister.

Kasuri talks frankly about his Indian interlocutors, his three counterparts Pranab Mukherjee, Natwar Singh and
YashwantSinha and the two prime ministers he worked withDrManmohan Singh and A.B. Vajpayee. He also gives
us a rare insight into the minds of the Pakistan Army, the contribution of the Foreign Office and his warm but
complex relationship with President Musharraf. He also covers Pakistans relations with China, Saudi Arabia,
Turkey, and Iran. On Bangladesh, his comments reflect nostalgia for old connections. Blending analysis with choice
anecdote, the book gives us a comprehensive and revealing account of Pakistans politics and the political

63
 compulsions of those at the helm.On foreign policy matters, he deals objectively with those on the other side of the
political divide. At the beginning, Kasuri positions himself clearly as a man empowered to talk about Indo-Pak
relations on the basis of not only his experience as diplomat and minister, but also heredity. He writes: I was raised
under contrasting influences with my mother belonging to a ruling princely family of northern India with pro-
British leanings, and my father hailing from a family of anti-colonial nationalists as well as religiously disposed
pan-Islamist Punjabis.

Kasuri runs through the initial foreign policy of Pakistan, beginning from the initial skirmish over Kashmir to
warming up to China to confabulations with the Americans over Afghanistan to the 1971 humiliation and comes
quickly to the 1990s, which he describes as a decade of missed opportunities owing to the then civilian governments
not coming to a grip over the countrys foreign policy. In his words: The 1990s was a decade of strained relations
between Presidents, Prime Ministers, and Chiefs of the Army Staff, with the ISI showing increasing Islamic tilt.
During this period there was renewed focus on terrorism and there were fears that Pakistan might be declared a
terrorist state by Washington which took a negative view of Pakistans support for the Kashmiri militants

Certainly, brave and frank words, Kasuri not shying away from admitting the inter-play of the civilian government,
the Pakistani Army and the stereotype attitude towards India that engineered a decade of bilateral despondence. It
is this sense of frankness which the likes of the Shiv Sena would foolishly describe as perfidy in prose that runs
through the book, raising it to the height of believable history. Kasuri is throughout willing to share his countrys
shortcomings, even lack of sophistication when it comes to understanding anything Indian and the relentless
pursuit to make the world believe Pakistans importance in South Asian and, in recent years, Islamist politics.

Kasuri tackles the biggest question asked ever of Pakistan. Does the Pakistani Army want peace with India? Yes, he
says, assuredly. I felt that the militarys leadership realized that peace with India, despite contentious issues, is
not just desirable but also worth pursuing. However, the military demands peace on just and equitable terms,
something that we were trying to achieve on Kashmir. The other question is about the role of the ISI vis--vis any
peace initiatives for and by India. Kasuri, obliquely, explains why there is a problem: No institution is monolithic in
its thinking or functioning. However, the internal dissent subsisting within an institution does not significantly
impact divisions or policy direction set at the highest level. Some accounts blame autonomous elements within the
ISI for undermining the stated government policy by acting at cross-purposes. Although these accounts are highly
exaggerated, the existence of such elements at relatively lower levels is not beyond probability. Nevertheless,
actions attributed to them cannot be taken as the measure of policy.

He mentions that in Pakistan there is a consensus among most major political parties that the Kashmir issue can
only be resolved through a negotiated settlement, notwithstanding, the hard-line postures of those outside the
political mainstream. He urges both the countries to resolve the differences amicably as both of them have major
fault-lines which could be exploited by the other. He urges PM Modi to expend some of this political capital by
thinking creatively and out-of-the-box
Our Verdict

Latest Apps Adobe Capture CC and Adobe Illustrator Draw

Developer: Adobe
Category: Photography
Price: Free

Adobe started out October by releasing not one, but two new Android apps and they
are Adobe Capture CC and Illustrator Draw. Capture CC is a design app that lets you
create things like brushes, stamps, shapes, and other similar things for later use. Its
a fairly simple app to use and comes with Adobe Creative Cloud support. Illustrator
Draw is a drawing app that lets you use vectors, layers, zoom, and various other tools to create works of art. Both
apps have a few issues here and there, but theyre both entirely free to download and use.

Adobe Capture CC
APP DESCRIPTION : Quickly capture, edit and share uniquely crafted design assets including brushes, colors,
filters and shapes to use in apps like Adobe Photoshop CC and Illustrator CC. Its Brush CC, Color CC and Shape
CC, all in one place.

64
 COLORS : Extract color themes from photos and the world around you. Play with presets based on color theory or
use a color wheel and RGB sliders for manual changes.
Use with: After Effects CC, Illustrator CC, Illustrator Draw, InDesign CC, Muse CC, Photoshop CC

SHAPES : Instantly convert what you see, or have drawn, into vector graphics. Use the slider to adjust the contrast
and create fills. Later, toggle +/ to add or remove details.
Use with: After Effects CC, Illustrator CC, Illustrator Draw, In Design CC, Photoshop CC

BRUSHES : Turn inspiring photos or graphics into high-quality ribbon-, scatter- or vector-type brushes. Refine them
with color, size and repetition adjustments.
Use with: Illustrator CC, Photoshop CC

LOOKS : Pull color and light from your favorite moments to make video-enhancing filters. A 3D histogram and
intensity slider let you visualize and fine-tune your Looks.
Use with: After Effects CC, Premiere Pro CC

CREATIVE CLOUD LIBRARIES : Your library of assets will automatically sync to your Creative Cloud account, giving
you instant access in compatible applications.

POWERED BY CREATIVESYNC : Adobe CreativeSync ensures that your files, fonts, design assets, settings and more all
instantly appear in your workflow wherever you need them. Start your creative work on any device and seamlessly
pick it up on another.
Google Play Rating: 4.4

Adobe Illistrator Draw : Create finished vector illustrations with easy and intuitive touch controls. Send your
artwork as layered files to Adobe Illustrator CC or as flat images to Photoshop CC.

APP DESCRIPTION
DRAW WITH VECTORS : Create free-hand drawings with smooth, scalable strokes. Zoom up to 64x to apply finer
details. A selection of five different pen tips each with adjustable opacity, size and color produce exactly the
look you want.

ADD LAYERS : Create complexity, depth and dimension with up to 10 drawing layers and a photo layer. Duplicate,
merge, flip, scale and adjust the opacity of each one.

ADOBE STOCK : High-res, royalty-free images from Adobe Stock are searchable from
inside the app.

CREATIVE CLOUD LIBRARIES : Get easy in-app access to your assets including Adobe
Stock images, photos you processed in Lightroom, or scalable vector-based shapes
created in Capture CC.

DIRECT TO DESKTOP : Send a native file to Illustrator CC or a PNG to Photoshop CC. It

automatically opens on your desktop, letting you effortlessly build on your idea.

POWERED BY CREATIVESYNC : Adobe CreativeSync ensures that your files, fonts, design
assets, settings and more all instantly appear in your workflow wherever you need them. Start your creative work on
any device and seamlessly pick it up on another.

GET FEEDBACK : Publish your work to the Behance creative community and get feedback without leaving the app. You
can also share through Facebook, Twitter and email.
Google Play Rating: 4.2
Our Verdict :

Hopeless
Poor
Average
Very Good `
Excellent

65
 Answer of Crossword

1 2 3 4 5 6 7
D E S P O T C H A R Y
8
R Q M A I R U
9 10
S P U R I O U S D O L

P A S T O E
11 12S
I L L U S T R I O U

C I I G 13R O 14E

15 16G 17 R A M 18T C
A U D I O
19 20 H
B N E W T B
21 22 23 25 E R A
L A M 24
E A T E
26
E B O N Y N N L
27 28 29
E L D O R A D O
30
T E R T I A N L N

Solution of Sudoku

1 5 3 4 8 6 9 2 7
7 2 8 1 3 9 6 5 4
9 4 6 5 7 2 3 8 1
5 9 7 6 2 1 8 4 3
6 3 1 9 4 8 2 7 5
2 8 4 7 5 3 1 6 9
3 1 5 8 6 7 4 9 2
8 7 9 2 1 4 5 3 6
4 6 2 3 9 5 7 1 8

66
 Answer of Current Affairs Quotient

Answers
1.A 2.D 3.D 4.C 5.A 6.B 7.B 8.A 9.B 10.C

11.D 12.C 13.A 14.B 15.A 16.A 17.C 18.B 19.A 20.A

21.B 22.B 23.C 24.C 25.B 26.B 27.A 28.B 29.C 30.B

31.C 32.A 33.D 34.C 35.B 36.C 37.A 38.D 39.B 40.C

41.C 42.B 43.C 44.B 45.C 46.B 47.D 48.C 49.D 50.C

51.B 52.B 53.C 54.D 55.B 56.C 57.D 58.B 59.B 60.D

61.B 62.B 63.B 64.D 65.D 66.A 67.C 68.B 69.D 70.D

71.A 72.D 73.D 74.A 75.D 76.A 77.A 78.C 79.B 80.A

81.A 82.C 83.B 84.D 85.B 86.C 87.C 88.A 89.D 90.C

91.B 92.A 93.C 94.A 95.D 96.B 97.A 98.C 99.A 100.D

Answer of GK Paper of the month

Answers
1. b 2. b 3. c 4. b 5. a 6. d 7. b 8. c 9. a 10. b
11. b 12. b 13. c 14. b 15. d 16. b 17. d 18. d 19. c 20. d

21. c 22. a 23. a 24. a 25. b 26. b 27. b 28. d 29. b 30. b

31. d 32. b 33. c 34. d 35. b 36. a 37. d 38. none 39. a 40. d

41. a 42. a 43. c 44. d 45. b 46. c 47. b 48. b 49. c 50. b

51. d 52. b 53. b 54. a 55. b 56. d 57. d 58. a 59. d 60. a

61. c 62. c 63. d 64. c 65. a 66. a 67. c 68. a 69. c 70. c

71. d 72. d 73. b 74. b 75. d

67
 RAJALAKSH M I
SCHOOLOFBUSI
NESS
PGDM
(P
ostGraduat
eDiplomai nManagement)
AI
CTEAppr
oved,2YearFullTi
me,Res
ident
ialP
rogr
am
Feat
ures
:

I
ndus
tryRel
avantCur
ri
cul
um
15acr
esofHi-Tec
h/Wi -f
ienabl
ed/
Ai
r-Condi
ti
onedclas
srooms
Ex
per
ient
ialL
ear
ning
I
nnovati
veOut
comeBas
ed
L
earningPr
ogr
am
UniqueCor
por
ateMent
ors
hip
Pr
ogram Wor
ldCl
assI
nfr
ast
ruc
tur
e
CoreFacul
tywit
hPhd&Vi si
ti
ng
Fac
ult
yfrom T
opI ns
ti
tut
es Seper
ateHos
telf
orBoy
s&Gi
rl
s
i
nIndiaandAbroad

Har
var
dBas
edCas
eSt
udyAppr
oac
h

El
igi
bil
it
y:

Gr
aduat
esi
nanydi
sci
pli
newi
thav
ali
dCAT/XAT/
MAT/
CMAT/
GMAT/
ATMAs
cor
ecanappl
y.

Candi
dat
esappear
ingf
orf
inaldegr
eeex
ami
nat
ioni
nMay2016mayappl
y.

Formor
einf
ormat
ion:
Cal
l 80 Vi
:9025103677/ si
t:r
sb.
edu.
in emai
l:admi
ssi
ons
@rs
b.edu.
in

Fol
low:www.
fac
ebook.
rsb.
edu.
in
Ci
tyOff
ice:#69,New AvadiRoad,Ki
lpauk,Chennai
-600010 Ph:044-26461316
Campus:Kuthambakkam P
ost,NH-4,Chennai-600124 Ph:044-37186500/01