Q.1) Given the severity of the pandemic, the idea of setting up a bad bank has the potential to tackle the problem of stressed assets in the Indian banking sector. Critically analyze (15 Marks - 250 Words)

Why this question? - Recently, the Reserve Bank of India (RBI) Governor has agreed to look at the proposal for the creation of a bad bank.

Intro - What is a bad bank

Body - 

  • Need for a bad bank
  • Who proposed the idea? 
  • Challenges of setting a bad bank
    • Shifting of loans from one entity to another
    • Government take on the measures to tackle the challenge of bad loans 
      • Asset reconstruction company
      • Capital infusion drive
      • Insolvency resolution under the IBC etc

Way ahead -

  • A transparent and open process through IBC
  • Private Asset Management Company (PAMC)
  • National Asset Management Company (NAMC) etc

Conclusion - Summarize based on above discussion


Q.2)  The successful implementation of the National Education Policy, 2020 will transform school education in India. Comment (15 Marks - 250 Words)

Why this question? - Recently, the Department of School Education and Literacy (DoSEL) has prepared a draft implementation plan to achieve the goals and objectives of National Education Policy (NEP), 2020.

Intro: A brief background about the NEP 2020.


  • Key provisions of NEP, 2020 wrt to School education
  • Concerns:

Way ahead - How to take care of above concerns

Conclusion - Summarize based on above discussion


Q.3) A comprehensive piece of legislature that would deal with ambiguity related to reservation in promotions is needed. Discuss various issues related to the application of creamy layer principle in SC, ST quota for promotion. 

Why this question?

  • The Supreme Court asked the Attorney General to compile the various issues being raised by States with regard to the application of a Constitution Bench judgment of 2006 in M. Nagaraj case.

Introduction: Define creamy layer and briefly mention the context of the question.


  • Constitutional provisions: 
    • Article 335
    • The Constitution  (77th Amendment) Act, 1995 
    • Article 16(4B) 
  • SC judgements:
    • Indra Sawhney vs Union of India
    • The Nagaraj case (2006).
    • Jarnail Singh case
  • Issues: 
  • Data about backwardness and efficiency of STs/SCs
  • Ambiguous process of promotions in government services.

Conclusion: Conclude with a way forward