Mains General Studies Paper II

SBI’s disclosure of exposed customer records highlights the risks of banking-data leaks. The incident brings cybersecurity, privacy, regulatory reporting and institutional accountability into focus.

India and the United States have made progress towards an interim bilateral trade agreement, but uncertainty over American tariffs, manufacturing overcapacity investigations, agricultural market access and Russian oil purchases continues to complicate negotiations. On 15 October 2026, India's Commerce Secretary said the first phase had been finalised and was undergoing legal drafting, although the agreement was not yet signed. The issue highlights Section 301 investigations, changes in US trade law following a Supreme Court judgment, forced-labour import restrictions, India's export competitiveness and the challenge of securing a stable, mutually beneficial trade relationship.

The Union government has approved a 30% trade-margin cap on expensive non-scheduled cancer medicines, with reports indicating that approximately 110 medicines, including 35 patented drugs, could be covered. The measure aims to reduce excessive pharmaceutical mark-ups, potentially lowering medicine prices by up to 70% and generating estimated annual patient savings of ₹2,500 crore. Amid Supreme Court scrutiny of medicine pricing, the decision raises important questions about India's drug-price regulation, the National List of Essential Medicines, pharmaceutical patents, affordable cancer treatment and the right to health.

The Supreme Court has reiterated that the Election Commission of India (ECI) is not the final authority to determine citizenship, and that deletion of a name from the electoral roll during the Special Intensive Revision (SIR) does not result in automatic loss of citizenship status. The remarks came while hearing a plea on West Bengal, where over 33.5 lakh appeals against deletions are pending before 19 Appellate Tribunals and deleted voters are allegedly being denied welfare benefits. This article explains the SIR exercise, the Bihar SIR judgment, the ECI's powers, constitutional citizenship provisions, the Citizenship Act framework, and the appellate mechanism for UPSC Prelims and Mains.

The Government of India is working on a new contributory pension scheme under the EPFO 3.0 reform programme to extend retirement security to unorganised and formal sector workers currently left out of the Employees' Pension Scheme (EPS). The scheme proposes a Target Retirement Sum (TRS) that converts accumulated savings into a pension at age 60, with options of an annuity or a systematic withdrawal plan. This article explains the proposed scheme, the TRS concept, the existing EPFO and EPS-95 framework, the defined contribution model, the Code on Social Security 2020, comparisons with NPS and PM-SYM, the Singapore model, and key data for UPSC Prelims and Mains.

The Ladakh administration has announced steps to extend the Ladakh Autonomous Hill Development Council framework to all seven districts, instead of limiting such councils to Leh and Kargil. While the administration presents the proposal as democratic decentralisation suited to Ladakh’s difficult geography, the Apex Body Leh and Kargil Democratic Alliance fear that multiple district councils could dilute the powers of a proposed Union Territory-level representative body being discussed under an Article 371-type framework.

The India-UK Comprehensive Economic and Trade Agreement (CETA) and the companion Double Contribution Convention (DCC) entered into force on 15 July 2026, operationalising India's first comprehensive free trade agreement with a major developed economy. The UK has eliminated tariffs on 99% of Indian tariff lines, while India has cut duties on around 90% of products, including first-ever FTA concessions on cars and Scotch whisky. This article explains what CETA is, its negotiation journey, sector-wise gains and concessions, the DCC for professionals, the new self-declaration rules of origin, the steel quota arrangement, the CBAM concern, and CETA's place in India's FTA strategy.

The Ladakh administration has announced that Autonomous Hill Development Councils (AHDCs) will be constituted in each of the Union Territory's seven districts, extending elected local self-governance to the five new districts of Drass, Sham, Nubra, Changthang and Zanskar. The move has been opposed by the Apex Body Leh (ABL) and the Kargil Democratic Alliance (KDA), who fear it may dilute the powers of the proposed UT-level representative government being negotiated under Article 371. This article explains the announcement, the LAHDC Act, 1997, the background of Ladakh's statehood and Sixth Schedule demands, the ongoing MHA negotiations, and the constitutional dimensions of the issue for UPSC Prelims and Mains.

Lok Sabha Speaker Om Birla’s decision to table the inquiry report against former Allahabad High Court judge Justice Yashwant Varma has reopened a major constitutional debate: can a judge avoid public accountability by resigning before the parliamentary removal process reaches its end? The issue is important for UPSC because it connects Judges (Inquiry) Act, 1968, Articles 124, 217 and 218, judicial independence, parliamentary scrutiny and the accountability gap in India’s higher judiciary.

India’s rapid transition to E20 petrol has triggered debate over fuel choice, vehicle compatibility, mileage, pricing, feedstock use and consumer communication. A recent discussion on Brazil’s long ethanol journey highlights why India can learn from Brazil’s gradual, consumer-choice-based biofuel model while strengthening its own Ethanol Blended Petrol Programme. Brazil’s first ethanol blending law dates to 1931, while India’s E20 push accelerated after the National Policy on Biofuels target was advanced to ESY 2025–26.

Prime Minister Narendra Modi and Australian Prime Minister Anthony Albanese held the Third India-Australia Annual Summit in Melbourne, where both sides advanced defence cooperation, maritime security, energy security, uranium supply arrangements and trade negotiations. The summit is important for UPSC because it links India-Australia Comprehensive Strategic Partnership, Indo-Pacific geopolitics, civil nuclear cooperation, CECA, critical minerals and India’s clean-energy transition.

India and Indonesia have reached a major defence-cooperation milestone with Indonesia becoming the first foreign buyer of India’s indigenous Astra Mk-I BVRAAM. The deal, announced during Prime Minister Narendra Modi’s Indonesia visit, is important for UPSC because it connects Atmanirbhar Bharat in defence, air-combat technology, India’s defence exports, India-Indonesia ties and the Indo-Pacific security environment.