A distinguished political leader, philanthropist, educationist and social worker, Dr. Akhilesh Das Gupta is the pride of Lucknow.

PUBLIC LIFE: Dr. Akhilesh Das Gupta decided to follow his father's footprints by choosing Social Service as his prime goal. n his distinguished public life spanning well over three decades, Dr. Gupta was first elected as the !ayor of Lucknow in year "##$ and rightly hailed as one of the youngest !ayors of the world. Subse%uently, he was elected as a !ember of &arilament '(a)ya Sabha* in +ovember "##, and was re-elected for a second term in +ovember .//. till +ovember .//0. Dr. Gupta has been again elected as a !ember of &arliament '(a)ya Sabha* for a third consecutive term in .//0 till ./"1. Dr. Gupta has been a member of many important &arliamentary 2ommittees and +ational level ape3 Advisory 4 Statutory 5odies including the A !S. 6e has been a member of the 73ecutive 2ommittee of A 287. 6e also served with distinction as the 9nion !inister of State for Steel, Goverment of ndia and made a place for himself as one of the foremost +ational leaders. CONTRIBUTION TO SPORTS: Dr. Akhilesh Das Gupta has been an enthusiastic sports person. 6e underwent an e3haustive training in 7ngland as a )unior 5adminton player. Later, he represented and captained the 9.&. State 5adminton team for many years and won many +ational 4 nternational 8ournaments including the +ational Doubles 2hampionship. 6is love for other sports has been no less. 6e has been instrumental in organi:ing and facilitating many +ational level 8ournaments of other sports as well. &resently he is the &resident of the 9.& ;lympic Association, &resident of 5adminton Association of ndia 4 <ice-&resident of 5adminton Asia 2onfederation. CAUSE OF EDUCATION: AS a Social thinker, Dr. Gupta reali:ed the need of =uality 8echnical 4 &rofessional 7ducation for the overall growth and upliftment of the masses and development of the State of 9ttar &radesh. Accordingly, 5abu 5anarsi Das 7ducational Society '55D7S* was founded through which the torch for higher professional education was lit in Lucknow, the 2apital of 9.&. with 5abu 5anarsi Das +ational nstitute of 8echnology 4 management '55D+ 8!* as the first institution established in "##0 leading to the establishment of 55D 9niversity in ./"". 6e has been 6onorary 8echnical 2onsultant> nfinite 2omputer Solution nc., a multi-national Software 2ompany, from .//. - .//,. 6e is also <isiting &rofessor '5usiness !anagement 4 &ublic (elations* to various !anagement nstitutes. CONTRIBUTION TO JOURNALISM: Dr. Akhilesh Das Gupta is a vivid reader 4 writer. 6e has launched +D A+ 7?&(7SS '7nglish Daily* 4 @A+SA88A 7?&(7SS '6indi Daily* from Lucknow in the year .//". (ecently he has published A<oice of LucknowA '6indi Daily* 4 A=uami BhabreinA '9rdu Daily* from Lucknow. HORIZONS: 6e has travelled e3tensively to 9.B., 9.S.A., @apan, Crance, Swit:erland, Spain 4 &ortugal, etc. on several occasions. Dr. Gupta has attended several Dorld Seminars and 2onferences including 9+; sponsored 2onference of !ayors '@apan* in "##$ and 9+28AD ? 2onference '5ra:il* in .//1. As the !ayor of Lucknow, he attended the nternational 2hildrens Game held in 2anada in "##1 and led the ndian 5adminton 8eam as its 2hif-de-!ission at the Athens ;lympics in August .//1. Dr. Gupta also led a team of academicians to various 7uropean 2ountries to study their 7ducation System in the year .//.. Babuji's Vision Ou! Mission "To #!o$i%& an o#&n o##o!'uni'( 'o ')& (oun* *&n&!a'ion +o! &$o,$in* ')&i! -o!& -o.#&'&n-i&s +o! bui,%in* u# ')&i! -a!&&! as /o!,% -,ass #!o+&ssiona,s /i') b!oa% bas&% +oun%a'ion0 in %&#') 1no/,&%*& 2 $&!sa'i,& #&!sona,i'( 'o .&&' ')& -)a,,&n*&s o+ 3,oba, E-ono.(4"
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8he nspiring Soul 5abu 5anarasi Das @i, a Gallant young man of 5ulandshahar '9.&.* )oined the freedom struggle of the country and had to undergo imprisonment several times for his participation in non-violent

movement of !ahatma Gandhi and @awahar Lal +ehru. During his long political career he worked as a !inister, Speaker and !ember of &arliament 'both Lok Sabha and (a)ya Sabha* and later on served as the 2hief !inister of 9ttar &radesh. 6is entire life was devoted to secure the dignity of individualsE help and guide people of all ages in every walk of life, to enable them reali:e their full potential and self-satisfaction in life. 6e never believed in surrendering to any forces, and even when coming face to face with D7A86, he would not give in A !an doth not yield himself to angels, not even unto death, utterly, save, by the weakness of his feeble will. 55D+ 8! is one many such efforts to cherish the memory of the great. Cabin&' Minis'&!s 5as on 6746848679: S4No4 ". Na.& Po!'+o,io

Dr. !anmohan Singh &rime !inister and also in-charge of the !inistriesFDepartments not specifically allocated to the charge of any !inister vi:.> 'i* !inistry of &ersonnel, &ublic Grievances 4 &ensionsE 'ii* !inistry of &lanningE 'ii* Department of Atomic 7nergyE and 'iv* Department of Space. Shri A.B. Antony Shri Sharad &awar !inister of Defence. !inister of Agriculture, and !inister of Cood &rocessing ndustries.

.. $. 1. G. ,. H. 0. #. "/. "". ".. "$. "1. "G. ",. "H. "0.

Shri &. 2hidambaram !inister of Cinance. Shri Ghulam +abi A:ad Shri Sushilkumar Shinde Shri !. <eerappa !oily !inister of 6ealth and Camily Delfare, and !inister of Dater (esources. !inister of 6ome Affairs. !inister of &etroleum and +atural Gas, and !inister of 7nvironment and Corests.

Dr. Caroo% Abdullah !inister of +ew and (enewable 7nergy. Shri S. @aipal (eddy !inister of Science and 8echnology, and !inister of 7arth Sciences. Shri Bamal +ath Shri A)it Singh Shri <ayalar (avi Shri !allikar)un Bharge !inister of 9rban Development, and !inister of &arliamentary Affairs. !inister of 2ivil Aviation. !inister of ;verseas ndian Affairs. !inister of (ailways, and !inister of Social @ustice and 7mpowerment.

Shri ;scar Cernandes !inister of (oad 8ransport and 6ighways, and !inister of Labour and 7mployment. Shri Bapil Sibal Shri Anand Sharma Dr. Giri)a <yas Shri G.B. <asan !inister of 2ommunications and nformation 8echnology, and !inister of Law and @ustice. !inister of 2ommerce and ndustry.
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!inister of 6ousing and 9rban &overty Alleviation. !inister of Shipping.

"#. ./. .". ... .$. .1. .G. .,. .H. .0. .#.

Shri &raful &atel Shri Shriprakash @aiswal

!inister of 6eavy ndustries and &ublic 7nterprises. !inister of 2oal.

Shri Salman Bhurshid!inister of 73ternal Affairs. Shri <. Bishore 2handra Deo Shri 5eni &rasad <erma !inister of 8ribal Affairs, and !inister of &anchayati (a). !inister of Steel.

Shri @airam (amesh !inister of (ural Development. Shri B. (ahman Bhan!inister of !inority Affairs. Shri Dinsha @. &atel Shri !.!. &allam (a)u Smt. 2handresh Bumari Batoch Dr. Bavuru Samba Siva (ao !inister of !ines. !inister of 6uman (esource Development. !inister of 2ulture. !inister of 8e3tiles.

Minis'&!s o+ S'a'& 5In%&#&n%&n' C)a!*&: 5as on 874784867;: S4No4 ". .. Na.& Smt. Brishna 8irath &rof. B.<. 8homas Po!'+o,io !inister of State ' ndependent 2harge* of the !inistry of Domen and 2hild Development. !inister of State ' ndependent 2harge* of the !inistry of 2onsumer Affairs, Cood 4 &ublic Distribution. !inister of State ' ndependent 2harge* of the !inistry of Statistics and &rogramme mplementation, and !inister of State ' ndependent 2harge* of the !inistry of 2hemicals and Certili:ers. !inister of State ' ndependent 2harge* of the !inistry of Development of +orth 7astern (egion, and !inister of State in the !inistry of &arliamentary Affairs. !inister of State ' ndependent 2harge* of the !inistry of &ower. !inister of State ' ndependent 2harge* of the !inistry of !icro , Small and !edium 7nterprises. !inister of State ' ndependent 2harge* of the !inistry of Drinking Dater and Sanitation. !inister of State ' ndependent 2harge* of the !inistry of 2orporate Affairs. !inister of State ' ndependent 2harge* of the !inistry of Iouth Affairs and Sports, and !inister of State in the !inistry of Defence.

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Shri Srikant @ena

1. G. ,. H. 0. #.

Shri &aban Singh Ghatowar Shri @yotiraditya !adhavrao Scindia Shri B.6. !uniyappa Shri 5haratsinh Solanki Shri Sachin &ilot Shri @itendra Singh

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"/. "".

Shri !anish 8ewari Dr. B. 2hiran)eevi

!inister of State ' ndependent 2harge* of the !inistry of nformation and 5roadcasting. !inister of State ' ndependent 2harge* of the !inistry of 8ourism.

C)i&+ Minis'&!s 2 3o$&!no!s o+ In%ian S'a'&s S4 NO " . $ 1 G , H 0 # "/ "" ". "$ "1 "G ", "H "0 "# ./ ." .. .$ .1 .G ., .H S'a'& an% U4T4 Andaman 4 +icobar Andhra &radesh Arunachal &radesh Assam 5ihar 2handigarh 2hhattisgarh Goa Gu)arat 6aryana 6imachal &radesh @ammu and Bashmir @harkhand Barnataka Berala !adhya &radesh !aharashtra !anipur !eghalaya !i:oram +agaland +ew Delhi ;rissa &uducherry &un)ab (a)asthan Sikkim C)i&+ Minis'&! 9.8. +allari Biran Bumar (eddy +abam 8uki Shri 8arun Gogoi Shri +itish Bumar 9.8. Dr. (aman Singh Shri !anohar &arrikar Shri +arendra !odi Shri 5hupinder Singh 6ooda <irbhadra Singh ;mar Abdullah 6emant Soren Shri B. Siddaramaiah Shri ;ommen 2handy Shri Shivra) Singh 2houhan Shri &rithvira) 2havan Shri ;kram bobi Singh !ukul Sangma &u Lalthanhawla Shri +eiphiu (io Arvind Be)riwal Sh. +aveen &atnaik Shri +. (angasamy Shri &arkash Singh 5adal <asundhara (a)e Shri &awan Bumar 2hamling 3o$&!no! A. B. Singh 'LieutenantGovernor* Shri. 7. S. L. +arasimhan +irbhay Sharma @anaki 5allabh &atnaik DI &atil Shri Shivra) <. &atil 'Administrator* Shri Shekhar Dutt Shri 5harat <ir Danchoo Dr. Bamla 5eniwal Shri @agannath &ahadia 9rmila Singh +arinder +ath <ohra Dr. Syed Ahmed 6ansra) 5hardwa) Shri +ikhil Bumar (am +aresh Iadav B. Sankaranarayanan <inod Bumar Duggal B. B. &aul Shri <akkom &urushothaman Shri Ashwani Bumar +a)eeb @ung 'LieutenantGovernor* Shri S. 2. @amir <irendra Bataria 'LieutenantGovernor * Shri Shivra) &atil
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!argaret Alva Shriniwas Dadasaheb &atil

.0 .# $/ $" $. $$ $1 $G

8amil +adu 8ripura 9ttar &radesh 9ttarakhand Dest 5engal Dadra and +agar 6aveli Daman and Diu Lakshadweep

Sushree @. @ayalalithaa Shri !anik Sarkar Akhilesh Iadav 6arish (awat Bm. !amata 5aner)ee 9.8. 9.8. 9.8.

Boni)eti (osaiah Shri Devanand Bonwar Shri 5anwari Lal @oshi A:i: =ureshi Shri !. B +arayanan Shri 5.S. 5halla 'Administrator* Shri 5.S. 5halla 'Administrator* Shri 6. (a)esh &rasad

9ttar &radesh 2oordinates 'Lucknow*> Coun'!( R&*ion Es'ab,is)&% His'o!( Ca#i'a, Dis'!i-'s 3o$&!n.&n' < Bo%( < 3o$&!no! < L&*is,a'u!& ndia

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Awadh, 5aghelkhand, 5ra),Doab 5undelkhand,&urvanchal, (ohilkhand, ndoGangetic &lain !odern> "0/G 'as 2eded and 2on%uered &rovinces* Su..a!( KshowL Lucknow HG totalK"L Government of ndia,Government of 9ttar &radesh 5anwari Lal @oshi 5icameral '1/1 M "/0 seats*

< C)i&+ Minis'&! Akhilesh Iadav 'S&* < Pa!,ia.&n'a!( 0/ -ons'i'u&n-( < Hi*) Cou!' A!&a < To'a, A!&a !an1 < To'a, < Ran1 < D&nsi'( D&.on(. Ti.& =on& UN>LOCODE V&)i-,& .1$,.0, km.'#$,#$$ s% mi* Gth "##,G0",1HH "st 0./Fkm. '.,"//Fs% mi* 9ttarpradeshi, 9&ite, 9ttar 5haratiya, +orth ndian S8 '982M/G>$/* 9& /"N??
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Allahabad 6igh 2ourt

Po#u,a'ion './""*K"L

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!&*is'!a'ion HDI HDI !an1 Li'&!a-( /.1#/ 'low* $.nd './/G* ,#.H.O H#..1O 'male* G#..,O 'female* 6indi 7nglish 9rdu upgov.nic.in

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U''a! P!a%&s) FtPr prPdF '6indi> QQQ QQ QQ QQQQ, 9rdu> RSSSSSSSSSSTUVW VSSSSSSSSSSXY lit. A+orthern &rovinceA*, abbr. UP, is a state located in northern ndia. t was created on " April "#$H as the Uni'&% P!o$in-&s, and was renamed Uttar Pradesh in "#G/. Lucknow is the capital and Banpur is the commercial capital and the largest city of 9ttar &radesh. ;n # +ovember .///, a new state, 9ttarakhand, was carved from the mountainous 6imalayan region of 9ttar &radesh. 8he state is bordered by (a)asthan to the west, 6aryana and Delhi to the northwest, 9ttarakhand and the country of +epal to the north, 5ihar to the east, @harkhand to the southeast, 2hhattisgarh to the south and !adhya &radesh to the southwest. t covers #$,#$$ s%uare miles '.1$,.#/ km.*, e%ual to ,.00O of the total area of ndia, and is the fifth largest ndian state by area. Dith over .// million inhabitants as of ./"", it is the most populous state in the country as well as the most populous country subdivision in the world. 6indi is the official and most widely spoken language in its HG districts. 9ttar &radesh is the fourth largest ndian state by economy, with a GD& of H/0/ billion '9SZ""/ billion*. Agriculture and service industries are the largest parts of the state's economy. 8he service sector comprises travel and tourism, hotel industry, real estate, insurance and financial consultancies. 9ttar &radesh was home to powerful empires of ancient and medieval ndia, including !agadha, +anda, !auryan, Sunga, Bushan,Gupta, Gur)ara, (ashtrakuta, &ala and !ughal empir es. 8he two ma)or rivers of the state, the Ganga and Iamuna, )oin at Allahabad and then flow as the Ganga further east. 8he state has several historical, natural, and religious tourist destinations, such as the 8a) !ahal, <aranasi, &iprahwa, Baushambi, Banpur, 5allia, Shravasti, Bushinagar, Lucknow, 2hitrakoot, @han si, Allahabad,5udaun, !eerut and !athura. ts also the area of some of the oldest e3isting cities of 5udaun and <aranasi.

E-ono.(@&%i'A N&' S'a'& Do.&s'i- P!o%u-' a' Fa-'o! Cos' a' Cu!!&n' P!i-&s 58669B6C Bas&:K"$/L figures in crores of ndian (upees D&a! .//1[.//G N&' S'a'& Do.&s'i- P!o%u-'
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n terms of net state domestic product '+SD&*, 9ttar &radesh holds the third largest economy './""[./".* in ndia, with an +SD& of H/0/ billion '9SZ""/ billion*. Agriculture is the leading occupation in 9ttar &radesh.K"$$L Dheat is the state's principal food crop and sugarcane is the main commercial crop.K"$1L About H/O of ndia's sugar comes from 9ttar &radesh. State industries are localised in the Banpur region, the fertile purvanchal lands and the +oida region. 8he !ughalsarai is home to a number of ma)or locomotive plants. !a)or manufacturing products include engineering products, electronics, electrical e%uipment, cables, steel, leather, te3tiles, )ewellery, frigates, automobiles, railway coaches, and wagons. !ore small-scale industrial units are situated in 9ttar &radesh than in any other state, with ". percent of over ..$ million units. Dith $G# manufacturing clusters cement is top sector of S!7s in 9&. 8he 9ttar &radesh Cinancial 2orporation '9&C2* was established in the year "#G1 under the SC2s Act of "#G" mainly to develop small and medium scale industries in the state. K 9&C2 provides financial assistance to new and e3isting units undergoing diversification, moderni:ation, e3pansion, or ac%uisition of fi3ed assets such as land, buildings, and machinery. 8he 9&C2 also provides working capital to e3isting units with a sound track record and to new units under a single window scheme. K"$0L As of @uly ./"., due to financial constraints and directions from the state government, lending activities have been suspended e3cept for State Government Schemes. K"$#L +evertheless, unemployment, corruption and an inconsistent electricity supply remain among the ma)or problems of the state. 8he state also has Amarked income ine%ualityA. n .//#["/, the tertiary sector of the economy 'service industries* was the largest contributor to the gross domestic product of the state, contributing 11.0O of the state domestic product compared to 11O from the primary sector 'agriculture, forestry, and tourism* and ""..O from the secondary sector 'industrial and manufacturing*. During the ""th five-year plan './/H[./".*, the average gross state domestic product 'GSD&* growth rate was H..0O, lower than "G.GO, the average for all states of the country. 8he state\s per capita GSD& was .#1"H '9SZ1H/*, lower than the national per capita GSD& of ,/#H. '9SZ#0/*.K"11L 8he state's total financial debt stood at ./// billion'9SZ$. billion* as of ./"". Labour efficiency is higher at an inde3 of ., than the national average of .G. 8he economy also benefits from the state's tourism industry. 8he state is attracting foreign direct investment which has mostly come in the software and electronics fieldsE +oida and Lucknow is becoming a ma)or hub for the information technology ' 8* industry. Sonebhadra, a district in eastern 9ttar &radesh, has large-scale industries. ts southern region is known as the A7nergy 2apital of ndiaA.K"1HL 9ttar &radesh also has the largest number of mobile subscribers in the country, total of ".".,/ million mobile phone connections out of 0,".,, million in ndia, according to the telecom regulator, 8elecom (egulatory Authority of ndia 8(A , as of !ay ./"$
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S#o!'s &opular sports in 9ttar &radesh can be divided into two groups> traditional sports and modern sports of mainly 7uropean origin. Athletes from the state have included the field hockey player Dhyan 2hand, ;lympic shooter +awab !ian, volleyball player San)iv 5alian, and the wrestler Anu). 8raditional sports, now played mostly as a pastime, include wrestling, swimming, kabaddi, and trackor water-sports played according to local traditional rules and without modern e%uipment. Some sports are designed to display martial skills such as using a sword or '&ata' 'stick*. Due to lack of organised patronage and re%uisite facilities, these sports survive mostly as individuals' hobbies or local competitive events. Among modern sports, field hockey is popular and 9ttar &radesh has produced some of the finest players in ndia, including Dhyan 2hand and, more recently, +itin Bumar and Lalit Bumar 9padhyay. (ecently, cricket has become more popular than field hockey. 9ttar &radesh won its first (an)i 8rophy tournament in Cebruary .//,, beating 5engal in the final. t can also boast of routinely having $ or 1 players on the national side. Green &ark Stadium in Banpur, the only internationally recognised cricket stadium in the state, has witnessed some of ndia's most famous victories. 9ttar &radesh 2ricket Association'9&2A* has head%uarter in Banpur. Cai:abad Sports 2omple3 is another sports venue in 9ttar &radesh which includes Cai:abad nternational Sports Stadium. Greater +oida 2ricket Stadium is another newly built international cricket stadium. 8he 5uddh nternational 2ircuit hosted ndia\s inaugural C" Grand &ri3 race on $/ ;ctober ./"". 8he G."1 km long circuit was designed by German architect and racetrack designer 6erman 8ilke to compete with other world-class race circuits.

Eu.b) M&,a 'Fkm melPF or Fkm mPlFE Devanagari> Akumbha m]l^A, !arathi * Akumbh melaA is a mass 6indupilgrimage of faith in which 6indus gather to bathe in a sacred river. t is considered to be largest peaceful gathering in the world with over "// million people visiting during the !aha Bumbh !ela in ./"$.KGL t is held every third year at one of the four places by rotation>6aridwar, Allahabad '&rayaga*, +ashik and 9))ain. 8hus the Bumbh !ela is held at each of these four places every twelfth year. Ardha'A6alfA* Kumbh Mela is held at only two places, 6aridwar and Allahabad, every si3th year. 8he rivers at these four places are> theGanges 'Ganga* at 6aridwar, the confluence 'Sangam* of the Ganges and the Iamuna and the mythical Saraswati at Allahabad, theGodawari at +ashik, and the Shipra at 9))ain. 8he name Bumbh !ela comes from 6indi, and in the original Sanskrit and other ndian languages it is more often known as Bumbha !ela. Kumbha means a pitcher and Mela means fair in Sanskrit. 8he pilgrimage is held for about one and a half months at each of these four places where it is believed in 6induism that drops of nectar fell from the kumbha carried by gods after the sea was churned. 8he festival is billed as the Aworld\s largest congregation of religious pilgrimsA.K,L 8here is no precise method of ascertaining the number of pilgrims, and the estimates of the number of pilgrims bathing on the most auspicious day may varyE appro3imately 0/ million people attended on "1 Cebruary ./"$. !auni Amavasya traditionally attracted the largest crowds at the mela, held here every ". years. 8he current Bumbh !ela was held on "1 @anuary ./"$ at Allahabad. 8he day marked the second and the biggest Shahi Snanam 'royal bath* of this event, with "$akharas taking to the Sangam. "/ Ceb ./"$ was the biggest bathing day at the ongoing !aha Bumbh !ela and probably the largest human gathering on a single day. ;ver $/ million devotees and ascetics took holy dip on the occasion of !auni Amavasya.
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Bathak, a classical dance form, owes its origin to the state of 9ttar &radesh. 8he dance form is connected to classical 6industani music where the rhythmic nimbleness of the feet is accompanied by the 8abla or &akhawa). 8wo schools of this dance form, Lucknow gharana and 5enares gharana, are situated in 9ttar &radesh.

/)a' is *!&&n ban1in* 0 o++ s)o!& ban1in*0 is,a.i- ban1in* 0s)a%o/ ban1in*F

green banking is introduced newly,particularly in sbi,u dnt have stand in a %ue or fill forms while depositing money in ur own account,directly go to the counter where its mentioned AG(77+ D +D;DA,give them ur A8! card and money to deposit,the deposit will happen instantly like a cash deposit A8! machine,its basically paper free banking,)ust see if u have AG(77+ D +D;DA in the nearby sbi,thanks. offshore banking is functional only in sbi, its basically how to send money to somebody's family members instantly when some body is staying abroad,already its functional with SD C8 code or with +5C2s like muthhoot's finance callled as western union transfers ,but both are time taking,SD C8 takes around three to four days,western union is not user friendly as it re%uires passwords and somebody has to produce all original documents for getting the money,sbi introduced first time an A8! card what can be charged like an airtel S ! from abroad,his family members can draw money from any A8!,the same kind of card is introduced newly )ust 1 months back and is functional only between D95A and +D A,sbi has tie up with another bank in dubai not necessarily of sbi,somebody needs to go to nearby sbi,open an account,a card will be given,the same card can be recharged from the bank in dubai by direct cash transfer or online transfer,thanks. shadow banking is indirect banking,other than commercial banks what ever other financial activities come under this,done by +C52s,thanks. its surprising but true that islams i.e muslims dnt take money from bank as interest as they say its money what has earned money not the person,so they dnt follow the banking principles what stand only on interest,they follow a different form of banking ie keep the money in bank in a safe mode and some other forms of similar ideology,money can be given as loan but no interest can be charged for the same,only functional in pure islamic countries,not yet introduced in india,in india even though muslims go with banking but actually pure islamic law prohibits the same and is not so stringent in india,thanks.

RuPa( is an ndian domestic card scheme conceived and launched by +ational &ayments 2orporation of ndia '+&2 *. ts mission is to fulfill the (eserve 5ank of ndia\s vision of having a domestic, open loop, and multilateral system of payments in ndia. (u&ay works to enable electronic payment at all ndian banks and financial institutions and hopes to provide banks with new opportunities to operate in the card payments domain of ndia.K"LK.L 8he (u&ay card was launched on ., !arch ./"., by +ational &ayments 2orporation of ndia to consolidate and integrate various payment systems in ndia. +&2 has entered into a strategic partnership with Discover Cinancial Services 'DCS* for (u&ay 2ard, enabling the acceptance of (u&ay Global 2ards on Discover\s global payment network outside of ndia.K$LK1LKGL
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A--&#'an-&@&%i'A (u&ay cards are acceptable at all A8!s across ndia under +ational Cinancial Switch 'A product of +&2 *, and its agreement with DCS has enabled international usage for its customers. According to the data published by +ational &ayments 2orporation of ndia, there are around "1G,.H/ A8!s and more than 0.,G lakh &oS terminals in ndia under the (u&ay platform. n addition to the A8!s and &oS terminals, (u&ay cards are accepted online across "/,/// e-commerce websitesK,L with the same & + which they use for A8!transactions.KHLK0LK#LK"/LK""L RuPa( A-Gui!in* Ban1s@&%i'A (u&ay cards are accepted at all &oS terminals in ndia. 8o enable this, (u&ay has certified .1 ma)or banks in ndia to accept the (u&ay card at their respective &oS terminals located at different merchant locations.
K".L

RuPa( Issuin* Ban1s@&%i'A

8he In%ian Ru#&& sign 'sign> E code> INR* is the currency sign> for the ndian (upee, the official currency of ndia. Designed by D. 9daya Bumar, it was presented to the public by the Government of ndia on "G @uly ./"/,K"L following its selection through an _open` competition among ndian residents. 5efore its adoption, the most commonly used symbols for the rupee were Rs, R& or, if the te3t was in an ndian language, an appropriate abbreviation in that language. 8he new sign relates solely to the ndian rupeeE other countries that use a rupee, such as Sri Lanka,&akistan and +epal, still use the generic 9M./A0 (9&77 S G+ character. 8he design resembles both the Devanagari letter AA 'ra* and the Latin capital letter A(A, with a double hori:ontal line at the top.

Bi'-oin is a peer-to-peer payment system and digital currency introduced as open source software in .//# by pseudonymousdeveloper Satoshi +akamoto. t is a cryptocurrency, so-called because it uses cryptography to control the creation and transfer of money. KGL 2onventionally, A5itcoinA capitali:ed refers to the technology and network whereas lowercase AbitcoinsA refers to the currency itself.K,L 5itcoins are created by a process called mining, in which participants verify and record payments in e3change for transaction fees and newly minted bitcoins.KHL 9sers send and receive bitcoins using wallet software on a personal computer, mobile device, or a web application. 5itcoins can be obtained by mining or in e3change for products, services, or other currencies.K0L 5itcoin has been a sub)ect of scrutiny due to ties with illicit activity. n ./"$, the 9S C5 shut down the Silk (oad online black market and sei:ed "11,/// bitcoins worth 9SZ.0.G million at the time. K#L 8he 9S is considered 5itcoin-friendly compared to other governments, however. K"/L n 2hina, new rules restrict bitcoin e3change for local currency, K""L and the 7uropean 5anking Authorityhas warned that 5itcoin lacks consumer protections,K".L 5itcoins can be stolen, and chargebacks are impossible.K"$L 2ommercial use of 5itcoin, illicit or otherwise, is currently small compared to its use by speculators, which has fueled price volatility. K"1L 5itcoin as a form of payment for products and services has seen growth, however, and merchants have an incentive to accept the currency because transaction fees are lower than the .[$O typically imposed by credit card processors

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7 A!un%)a'i B)a''a-)a!(a S'a'& Ban1 o+ In%ia

Arundhati 5hattacharya )oined S5 as a direct recruit officer in the year "#HH serving in different locations across the country. She has held various assignments that include credit, fore3, treasury and retail operations in a career spanning over three decades. Arundhati was also instrumental in setting up several new company initiatives such as S5 General nsurance, S5 S5 Securities and so on. 8 C)an%a Eo-))a! ICICI 8he current !anaging Director and 2hief 73ecutive ;fficer of 2 2 ' ndustrial 2redit and nvestment 2orporation of ndia* bank, which is also ndia's largest private bank, 2handa Bochhar has received the Dockhardt Gold !edal for 73cellence in !anagement Studies. 9nder her able leadership, 2 2 has won awards that include the A5est retail bank in ndiaA and A73cellence in retail banking awardA, both of which were given by 8he Asian 5anker. 9 S)i1)a S)a!.a AHis ban1 Shikha Sharma is the 27; of A3is 5ank which is ndia's third largest private sector bank. She earlier worked in 2 2 bank for a period of .# years where she was a candidate for the 27; position which later went to 2handa Bochhar. Since taking charge, Shikha Sharma has doubled the bank's network which has grown rapidly to include ",G// branches and more than 0,/// A8!s C A!-)ana B)a!*a$a Uni'&% Ban1 o+ In%ia Archana 5hargava holds the post of the 2hairman and !anaging Director of 9nited 5ank of ndia, a public sector lender. 5hargava started her career with the &un)ab +ational 5ank and has, to her credit, over three decades of e3perience in the banking industry. She has worked in various portfolios including credit management, human resources management and planning and development. Us)a Anan')asub!a.anian 5s&-on% +!o. !i*)': is ')& -)ai!#&!son an% .ana*in* %i!&-'o! o+ B)a!a'i(a Ma)i,a Ban10 ')& +i!s' a,, /o.&n ban14 In a -a!&&! s#annin* o$&! ;7 (&a!s0 s)& )as /o!1&% in $a!ious #osi'ions in ')& ban1in* an% a,,i&% a!&as4 S)& s'a!'&% )&! -a!&&! in ')& a-'ua!ia, %&#a!'.&n' /i') LIC an% ban1in* -a!&&! in F&b!ua!( 7IJ8 as a s#&-ia,is' o++i-&! in ')& #,annin* s'!&a. o+ Ban1 o+ Ba!o%a4 B&+o!& joinin* BMB0 s)& /as an &H&-u'i$& %i!&-'o! /i') Punjab Na'iona, Ban14 Naina La, Ei%/ai HSBC Apart from the position of the country head of 6S52, ndia, +aina Lal Bidwai is also the Group General !anager. She holds the distinction of being the first woman to graduate from the 6arvard 5usiness School. n .//., 8ime !aga:ine listed her as one of their "G global influentials.

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K Vija(a,a1s).i I(&! Ban1 o+ In%ia <i)ayalakshmi yer is the chairperson and managing director of 5ank of ndia. &rior to this post, yer served at 2entral 5ank of ndia and has over three decades of e3perience in the banking industry. J S)ub)a,a1s).i Pans& A,,a)aba% Ban1 Shubhalakshmi &anse is the first women to head ndia's oldest bank - the Allahabad 5ank. She started her career as a probationary officer in the 5ank of !aharashtra. 6er last known role was as e3ecutive director of 5angalore based <i)aya 5ank where she handled all portfolios being the only e3ecutive director in the bank. Ea,#ana Mo!#a!ia JPMo!*an C)as& an% Co Balpana !orparia is the current 2hief 73ecutive ;fficer of South Asia and ndia operations at @&!organ 2hase and 2o. She previously served as the )oint managing director of 2 2 bank where she was in charge of the bank's corporate centre that included the strategy, risk management, legal, finance, accounts and management operation

T&,an*ana '8elugu> * is a region in the state of Andhra &radesh. t was once part of 6yderabad State '!edak and Darangal divisions* which was ruled by the +i:ams. 8elangana is bordered by the states of !aharashtra to the north and north-west,Barnataka to the west, 2hhattisgarh to the north-east and ;disha to the east. State of Andhra &radesh had three main cultural regions> 8elangana, 2oastal Andhra and (ayalaseema. 8he 8elangana region has an area of ""1,01/ s%uare kilometres '11,$1/ s% mi*, and a population of $G,.0,,HGH './"" census* which was 1".,O of the population of Andhra &radesh.K.LK$L 8elangana comprises "/ districts> 6yderabad, Adilabad, Bhammam, Barimnagar, !ahbubnagar, !edak, +algonda, +i:amabad,(an gareddy, and Darangal. 8he 5hadrachalam and +uguru <enkatapuram 8aluks of 7ast Godavari district 'part of coastal Andhra &radesh*, on the other side of the river Godavari, were merged into Bhammam district on the grounds of geographical contiguity and administrative viability. Aswaraopeta, previously part of Dest Godavari District, was added to Bhammam District in the year "#G#. Similarly, !unagala mandal was added to +algonda district from Brishna district in "#G#. 8he !usi, !an)ira, Brishna and Godavaririvers flow through the region from west to east. 6yderabad, Darangal, +i:amabad and Barimnagar are 8elangana's four largest cities. ;n $/ @uly ./"$, the ruling 2ongress party resolved to re%uest the 2entral government to take steps in accordance with the 2onstitution to form a separate state of 8elangana 'the .#th state of ndia*. 8he city of 6yderabad would serve as the )oint capital of 8elangana and Andhra &radesh for ten years. K1LKGL ;n $ ;ctober ./"$, the 9nion 2abinet approved the creation of a new state of 8elangana by bifurcating the e3isting state of Andhra &radesh.K,L ;n G December ./"$, 2abinet approved the 8elangana draft bill prepared by the Group of !inisters 'Go!*. 8he bill awaits approval by &arliament before 8elangana becomes the .#th state of the union.KHL

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k Sabha Speaker !eira Bumar has referred the Cebruary "$ incidents, including the pepper spray attack, to the 2ommittee on &rivileges, according to an official announcement here on Sunday.

8he Speaker has asked the committee to e3amine the incidents and report to her. 8he "G-member committee is headed by senior 2ongress leader & 2 2hacko. 8he panel can recommend punitive measures, including imprisonment and e3pulsion from the 6ouse. 8he Speaker had named ", people in the wake of the incidents, who automatically stood suspended from the 6ouse for five consecutive sittings, Cebruary "$, "H, "0, "# and ./. Bumar has also directed the &arliamentary 2ommittee on Security, headed by her deputy Bariya !unda, to convene an emergency meeting on !onday to review the safety measures which are in place and consider what needs being done to tighten security, including frisking of !&s. n a new low in ndia\s parliamentary history, a pepper spray was used in the Lok Sabha resulting in hospitalisation of three !&s following a ruckus over introduction of the 8elangana 5ill after which ", Seemandhra !&s were suspended. 8he Speaker had e3pressed anguish over the incidents saying it has _shamed the country and &arliament` and called it a _blot`. 9nprecedented pandemonium broke out in the 6ouse when e3pelled 2ongress member L (a)agopal, an industrialist opposed to the division of Andhra &radesh, brought a canister from which he sprayed pepper. (a)agopal\s action attracted widespread condemnation. All political parties have demanded action against unruly !&s. 8he government has already said it would not oppose whatever decision the Speaker takes in this regard. 8he Lok Sabha Secretariat said the decision to refer the matter to the &rivileges 2ommittee has been taken under (ule ..H of the (ules of &rocedure and 2onduct of 5usiness in Lok Sabha. 8he function of the panel is to e3amine every %uestion involving breach of privilege or contempt of the 6ouse or of the members of any 2ommittee thereof referred to it by the 6ouse or by the Speaker. Co!&( An%&!son b!o1& ')& !&-o!% +o! ')& +as'&s' ODI -&n'u!( )is )un%!&% -a.& o++ on,( ;L %&,i$&!i&s0 on& ,&ss ')an /)a' S)a)i% A+!i%i 'oo1 a*ains' S!i Lan1a0 in Nai!obi in 7IIL4 An%&!son's -&n'u!( is ')& +as'&s' in Lis' A 'oo0 &Gua,,in* 3!a)a. Ros&'s ;L ba,, -&n'u!( +o! So.&!s&' in 7II64

L S8 ;C +7D A&&; +8!7+8S ". Sushil Boirala become new &! of +epal. 6e replace Bhil (a) (egmi. .. Satya +adella appointed as 27; of !icrosoft. $. (.B.8iwari appointed new 2hairman of 25D8. 1. + (amachandran was elected &resident of ndian ;lympic Association ' ;A*. G. @ustice Ashok Bumar !athur appointed head of Hth 2entral &ay 2ommission ,. 6arish (awat appointed 0th 2hief !inister of 9ttrakhand. 6e succeeded <i)ay 5ahuguna. H. !ano) <aish took charge as !D 4 27; of !2?. 0. Aruna 5ahuguna first woman to be appointed chief of +ational &olice Academy. #. @anet Iellen new 2hairperson of Cederal (eserve. "/. (. 2handrashekhar appointed the &resident of +ASS2;! '+ational Association of Software and
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Service 2ompanies* "". @.+.2haudhary was appointed as new head of +SG '+ational Security Guard* ".. Arvind (an)an was appointed the full time chief of the 2entral ndustrial Security Corce '2 SC*. "$. Ashok Lavasa, appointed the +ew 2ivil Aviation Secretary. 6e succeeded B.+.Srivastava. "1. !. <eerappa !oily appointed as the new 7nvironment and Corests !inister. "G. Siddarth 5irla took charges as &resident of C 22 . ",. Subrahmanyam @aishankar became the ambassador of 9S "H. 5. G. Srinivas and 9.5. &ravin (ao appointed as presidents of the nfosys. "0. Sushma Singh to take over as new 2hief nformation 2ommissioner She succeed Deepak Sandhu. "#. 6arsh Bumar 5hanwala appointed 2hairman of +ational 5ank for Agriculture and (ural Development '+A5A(D*. ./. 9sha Sangwan appointed first woman managing director of L 2.

5A+B +G ADA(7+7SS> 267=97 8(9+2A8 ;+ SIS87! aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa n view of the ongoing 2lerical nterview, we are presenting to you a brief about 2he%ue 8runcation System. A lot of relevant %uestions are being asked by the panel from this topic. 6ope you like the postbbb 2he%ue 8runcation System is the process of stopping the flow of the physical che%ue issued by a drawer to the drawee branch. 8he physical instrument will be truncated at some point en-route to the drawee branch and an electronic image of the che%ue would be sent to the drawee branch along with the relevant information like the ! 2( fields, date of presentation, presenting banks etc. 8hus with the implementation of che%ue truncation, the need to move the physical instruments across branches would not be re%uired, e3cept in e3ceptional circumstances. 8his would effectively reduce the time re%uired for payment of che%ues, the associated cost of transit and delay in processing, etc., thus speeding up the process of collection or reali:ation of the che%ues. 8he images captured at the presenting bank level would be transmitted to the 2learing 6ouse and then to the drawee branches with digital signatures of the presenting bank. 8hus each image would carry the digital signature. n order to ensure only images of re%uisite %uality reach the drawee branches, there will be a %uality check process at the level of the 2apture Systems and the 2learing 6ouse nterface. n addition, drawers could consider using holograms, bar coding or such other features, which would add to the uni%ueness of the images. (5 is proposing to implement the pro)ect on a & L;8 basis in the +ational 2apital (egion '+2(*, +ew Delhi. 5ased on the e3perienced gathered, it would consider e3tending the coverage to other centres.
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8he criteria for banks participating in the 2he%ue truncation system are> i. !embership of the clearing house in the +2(. ii. !embership of the ndian Cinancial +etwork ' +C +78* n respect of banks who are not members of the +C +78, the following alternatives are available 'a* 8hey may become the sub-members of the direct members or 'b* Such banks may use the infrastructure of the other banks having +C +78 membership All the local che%ues can be presented in the 28S. 8hus the benefits could be summari:ed as> a* Caster clearing cycle b* 5etter reconciliationFverification process c* 5etter 2ustomer Service c 7nhanced 2ustomer Dindow d* +o Geographical Dependence e* ;perational 7fficiency f* !inimises 8ransaction 2osts. g* (educes operational risk by securing the transmission route.

D6A8 S B+;D I;9( 29S8;!7( 'BI2* +orms d Bnow your customer 'BI2* is a bank regulation that financial institutions and other regulated companies must perform to identify their clients and ascertain relevant information pertinent to doing financial business with them. D6A8 A(7 ;5@728 <7S ;C BI2d a !oney laundering is a growing menace and it not only poses serious threat to the stability and integrity of the financial system but also to the sovereignty and safety of nations worldwide. n the coming days, challenges before banks would primarily lie in saving themselves from the growing threat of money laundering. a n ndia, prevention of money laundering act '&!LA* was passed in .//. and it has been aligned with the financial action task force 'CA8C* recommendations in .//#. Curther, ndia has become a member of CA8C in ./"/. a 5anks are being e3tensively sensitised about money laundering and BI2 norms. n ndia 5anks were advised to follow certain customer identification procedure for opening of accounts and monitoring transactions of a suspicious nature for the purpose of reporting it to appropriate authority. 8hese eBnow Iour 2ustomer\ guidelines have been revisited time to time in the conte3t of the (ecommendations made by the Cinancial Action 8ask Corce 'CA8C* on Anti !oney Laundering 'A!L* standards and on 2ombating Cinancing of 8errorism '2C8*. a 8hese standards have become the international benchmark for framing Anti !oney Laundering and combating financing of terrorism policies by the regulatory authorities. 2ompliance with these standards both by the banksFfinancial institutions and the country have become necessary for international financial relationships.

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="">Dhat is A8! and ;nline 5ankingd Ans>Automated 8eller !achine. t is an electronic telecommunication device that enables us to perform financial transactions without the need of a cashier,human clerk or bank teller.. ;nline 5anking is performing financial transactions on a secured website..De can do many tasks at home like viewing account balances,fund transfer,accnt statement,banking transactions,downloading bank statements etc.. ="..Dhat is 25S in bankingd Ans>2ore 5anking Solutions.8he &latform where communication 8echnology and nformation 8echnology r merged to suit core needs of banking like (ecordings ;f 8ransactions,&assbook !aintenance, nterest calculations on Loans and Deposits,2ustomer (ecords,5alance ;f &ayment and Dithdrawal etc .is known as 25S.5ank customers 2an Access their funds from any of the member branch offices as their branch server is connected to the central server..

R4E4Ti/a!i was appointed as the new chairman of 2entral 5oard of Direct 8a3es '25D8* on # Cebruary ./"1. 8he appointment was approved by the Appointments 2ommittee of the 2abinet 'A22*. !r. 8iwari is a "#H,-batch ndian (evenue Service ' (S* officer. f

N Ra.a-)an%!an was elected &resident of ndian ;lympic Association ' ;A* on # Cebruary ./"1. &resently, he is the chief of Dorld S%uash Cederation. 6e was elected unopposed for the presidential post. 6e will remain in the office till ./",.

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5A+B +G ADA(7+7SS> (5 86 (D =9A(87( !;+78A(I &;L 2I aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa n the 8hird =uarter !onetary &olicy, the (eserve 5ank of ndia has sprang up a big surprise by hiking up the key interest rates by /..GO to tame inflation. 8his policy clearly communicates that the price stability remains the overriding ob)ective of the (5 \s monetary policy and the focus has shifted from D& -based inflation to 2& -based inflation. 8his review is according to the 9ri)it &atel 2ommittee (ecommendations. 8he monetary policy review to be followed for the ne3t two months. +e3t monetary policy review of the (5 will be on the "st April ./"1. Some key features of 8hird !onetary &olicy> g Bey lending rate hiked by /..G per cent to 0 per cent g 2ash reserve ratio kept unchanged at 1 per cent g !arginal Standing Cacility '!SC* rate stands at # per cent g GD& growth to be less than G per cent in the current fiscal g Growth to improve to G.G per cent in ./"1-"G g 2urrent Account Deficit to be below ..G per cent this fiscal g !arch-end inflation could e3ceed 0 per cent g (ate hike will set economy securely on disinflationarypath g Growth likely to lose momentum in =$ of ./"$-"1 g Slowdown in economy getting increasingly worrisome g nflation is a ta3 that is grossly ine%uitable, falling hardest on the very poor g Ciscal and monetary authorities should continue to work for macroeconomic stabili:ation g 6enceforth, policy review to take place every two months hhhhhhhhhhhhhhhhh

6ighlights of interim rail budget ./"1-"G

&8 i Ceb "., ./"1, /"./,&! S8 NE? DELHI: Fo,,o/in* a!& ')& )i*),i*)'s o+ ')& In'&!i. Rai,/a( Bu%*&' 8679 7C #!&s&n'&% in ')& Lo1 Sab)a b( !ai,/a( .inis'&! Ma,,i1a!jun E)a!*&: a +o increase in passenger fares and freight charges a "H new premium trains, $0 e3press trains and "/ passenger trains to be launched &remium A2 trains with dynamic fares on Delhi-!umbai route with shorter advance reservation period a &assenger rail service to Batra and <aishnodevi to start shortly a (ailways to e3pand services to !eghalaya a !ore high-speed trains to be launched a (ailways e3ploring low cost option of ",/-.// kmph speed trains on select routes a (ail 8ariff Authority to advise on fares and freight a !umbai to get A2 7!9s in @uly a 8rains to display info on ne3t stations, arrival times a !ore @an Ahaar outlets, escalators at stations a 9pgradation scheme e3tended to A2 2hair 2ar and 73ecutive 2hair car passengers a Annual (ail &lan envisaged at (s ,1,$/G crore with a budgetary support of (s $/,..$ crore a CD being enabled for creation of rail infrastructure a (ailways to end current year with surplus a Surveys for "# new lines and G doubling of tracks a (ailways to encourage transportation of milk a Steps to reduce running of empty freight carriages a 5io-toilet facility to be provided in more trains.
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5udget G(;D86 a GD& e3pansion in third and fourth %uarters of ./"$F"1 estimated at G.. percent. Growth for the whole year e3pected at 1.# percent. C S2AL D7C 2 8 a Ciscal deficit seen at 1., percent of GD& in ./"$F"1, below target of 1.0 percent. a Ciscal deficit pro)ected at 1." percent of GD& in ./"1F"G a Says need to bring down the deficit to $ percent of GD& by ./",F"H 29((7+8 A22;9+8 D7C 2 8 a 2urrent account deficit for ./"$F"1 estimated at Z1G billion from last fiscal year's Z00 billion. a Core3 reserves to rise by Z"G billion by end of ./"$F"1 5;((;D +GFD758 S7(< 2 +G a Gross market borrowing for ./"1F"G seen at G.#H trillion rupees, net market borrowing at 1.GH trillion rupees. a Government plans to buy backFswitch bonds of G// billion rupees in ./"1F"G. a Days and !eans advances for ./"1F"G estimated at "// billion rupees a Debt repayment in ./"1F"G seen at ".$#H trillion rupees a nterest payments seen rising to 1..H trillion rupees in ./"1F"G from a revised estimate of $.0 trillion rupees for the current fiscal year. &( <A8 SA8 ;+ a 8arget from stake sale in state run firms for ./"$F"1 revised to .G0.1" billion rupees a 8arget for ./"1F"G increased to G,#..G billion rupees S&7+D +G a &lan e3penditure for ./"1F"G seen at G.GG trillion rupees, the same level as the previous fiscal year a +on plan spending estimated at about "../0 trillion rupees in ./"1F"G S95S D 7S
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a 8otal spending on food, fertilisers and fuel at ..G trillion rupees in ./"1F"G a Cood subsidy estimated at "."G trillion rupees, fertiliser subsidy at ,H#.H" billion rupees. &etroleum subsidy seen at ,$1..H billion rupees versus revised figure of 0G1.0 billion rupees for ./"$F"1. D7C7+27 a Spending raised to ...1 trillion rupees in ./"1F"G, up "/ percent year on year. 7?&;(8S a !erchandise e3ports seen at Z$., billion in ./"$F"1, up ,.$ percent year on year. a Agriculture e3ports e3pected to touch Z1G billion in ./"$F"1, up from Z1" billion in ./".F"$ 8A? &(;&;SALS a +o ma)or change in ta3 rates a Cactory gate ta3 to be reduced to "/ percent from ". percent on some capital goods, consumer durables a 2ut e3cise duty on small cars, two wheelers, commercial vehicles to 0 percent from ". percent a (ecommends e3cise duty reductions on larger vehicles a (estructure of factory gate ta3 for mobile handsets 5A+BS (7S8(9289( +G a Govt to provide "". billion rupees capital infusion in state run banks in ./"1F"G a &ropose to set up public debt management office to startG work from ./"1F"G C +A+27 ! + S87( 2;!!7+8S (esurgence in e3ports, global economic revival and moderation in inflation point to better outlook for ndian economy in ./"1F"G. A can confidently assert that the economy is more stable today than what it was two years ago. 8he fiscal deficit is declining, the current account deficit has been constrained, inflation has moderated, the %uarterly growth rate is on the rise, the e3change rate is stable, e3ports have increased and hundreds of pro)ects have been unblocked.A ndia's economy now the ""th largest in the world, he said.

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