Daily Current Affairs for UPSC Civil Services Exam – 29 August 2021

In Today’s News:

  1. BCG vaccine.
  2. Ransomware.
  3. PMJDY.

1. BCG vaccine

News Summary

There is an article related to the BCG vaccine.

Prelims GS – Science and Technology

BCG vaccine:
  • Bacille Calmette-Guérin (BCG) is a vaccine for tuberculosis (TB) disease.
  • BCG was developed by Albert Calmette and Camille Guerin.
  • BCG is the only licensed vaccine available for the prevention of TB.
  • Tuberculosis (TB) is caused by the infectious bacteria Mycobacterium Tuberculosis.
  • TB is spread from person to person through the air.
  • It affects the lungs.
  • It is both curable and preventable.

Mini Insights

Mains GS3 – Science and Technology

TB and treatment:
  • Symptoms: Cough with sputum and blood, fever, night sweat, and weight loss.
  • Testing:
    • Testing of TB is done through rapid Xpert MTB/RIF.
    • Recently Truenat technology helps in the rapid Testing of TB and also tests the resistance to the drug rifampicin.
    • Nowadays Multidrug-Resistant TB (MDR-TB) bacteria are developing which is a complex issue as regular TB drugs cannot be used for treatment in such cases.
Drugs used for the treatment of TB:
  • Rifampicin
  • Isoniazid
  • Ethambutol
  • Pyrazinamide

Recently many countries have approved BPaL (bedaquiline, pretomanid, and linezolid) to treat MDR-TB.

The Ministry of Health and Family Welfare of India has developed the National Strategic Plan (NSP) for Tuberculosis (2017-2025) with the goal of ending TB by 2025 which is 5 years before the WHO’s plan of End TB strategy by 2030.

Click here to know more about TB

2. Ransomware

News Summary

Ransomware Evil, REvil or Sodinokibi, a ransomware-as-a-service (RaaS) operation is one of the latest RaaS operators.

Prelims GS – Science & Technology

  • Ransomware is malicious software that infects your computer and displays messages demanding a fee to be paid in order for your system to work again.
  • This class of malware is a criminal moneymaking scheme that can be installed through deceptive links in an email message, instant message, or website.
  • It has the ability to lock a computer screen or encrypt important, predetermined files with a password.
  • Eg: Wannacry, Petya, Eternal Blue, Scareware, etc.

Click here to view the Courtesy: Kaspersky website.


News Summary

Pradhan Mantri Jan Dhan Yojana has completed 7 years of its implementation.

Prelims GS  – Governance

  • PMJDY is a National Mission on Financial Inclusion encompassing an integrated approach to bring about comprehensive financial inclusion of all the households in the country.
  • The plan envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance, and pension facility.
  • In addition, the beneficiaries would get a RuPay Debit card having an inbuilt accident insurance cover of र 1 lakh.
  • The plan also envisages channeling all Government benefits (from Centre / State / Local Body) to the beneficiaries accounts and pushing the Direct Benefits Transfer (DBT) scheme of the Union Government.

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

  1. Objectives:
    • Ensure access to financial products & services at an affordable cost
    • Use of technology to lower cost & widen reach
  2. Basic tenets of the scheme
    • Banking the unbanked – Opening of basic savings bank deposit (BSBD) account with minimal paperwork, relaxed KYC, e-KYC, account opening in camp mode, zero balance & zero charges
    • Securing the unsecured – Issuance of Indigenous Debit cards for cash withdrawals & payments at merchant locations, with free accident insurance coverage of Rs. 2 lakh
    • Funding the unfunded – Other financial products like micro-insurance, overdraft for consumption, micro-pension & micro-credit

The scheme was launched based upon the following 6 pillars:

  • Universal access to banking services  – Branch and BC
  • Basic savings bank accounts with overdraft facility of Rs. 10,000/- to every eligible adult
  • Financial Literacy Program– Promoting savings, use of ATMs, getting ready for credit, availing insurance and pensions, using basic mobile phones for banking
  • Creation of Credit Guarantee Fund – To provide banks some guarantee against defaults
  • Insurance – Accident cover up to Rs. 1,00,000 and life cover of   Rs. 30,000 on the account opened between 15 Aug 2014 to 31 January 2015
  • Pension scheme for Unorganized sector

Click here to view the Courtesy: PIB release and click here to view the official website.





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