UPSC Civil Services GK Questions 2026

The union territory has no High Court of its own and comes under the jurisdiction of the Calcutta High Court, which holds a circuit bench in the territorial capital so that litigants do not have to travel to the mainland for every hearing.

Ross Island, which had been the administrative headquarters of the British in these islands before an earthquake damaged it, was renamed after Netaji in 2018 to honour his visit and his claim of the islands as free Indian soil.

During the Japanese occupation of the islands in the Second World War, Netaji Subhas Chandra Bose visited Port Blair and hoisted the tricolour there, claiming the islands as the first Indian territory freed from British rule.

The jail was built at Port Blair over those ten years in the shape of a wheel, with seven wings radiating from a central watchtower and a total of 693 cells.

The indigenous communities of this territory fall into two racial groups. The Great Andamanese, Onge, Jarawa and Sentinelese of the Andaman group are of Negrito descent and are among the oldest surviving human populations outside Africa.

The Government of India announced in September 2024 that the capital of the union territory would be renamed Sri Vijaya Puram, replacing a name that came from the colonial period.

Indira Point lies at the southern tip of Great Nicobar, the largest island of the Nicobar group, and marks the southernmost land point of the Republic of India, a little above six and three quarter degrees north.

Saddle Peak rises to 732 metres in North Andaman and is the highest point in the whole union territory. It gives its name to Saddle Peak National Park, which protects the tropical evergreen forest on its slopes.

The Ten Degree Channel runs along the ten degree north parallel and divides the Andaman group from the Nicobar group, with Little Andaman on its northern side and Car Nicobar on its southern side.

This small uninhabited island in the Andaman Sea, north-east of the territorial capital, carries the only confirmed active volcano in India and in the whole of South Asia.

The Central Repository of Information on Large Credits, usually shortened to CRILC, is a database maintained by the Reserve Bank in which banks report details of every borrower whose aggregate exposure, funded and non-funded together, is five crore rupees or more.

The systemic importance score of a bank is built from four indicators: size, interconnectedness, substitutability and complexity. Size carries the highest weight because the sheer scale of a bank's balance sheet decides how much damage its failure would do.

India applies Basel III with a stricter minimum: the capital to risk weighted assets ratio must be at least nine per cent, of which Common Equity Tier 1 must be at least 5.5 per cent and Tier 1 at least seven per cent.

The Board for Financial Supervision was constituted in November 1994 so that supervision of banks, select all-India financial institutions and non-banking financial companies would get undivided attention.

Withdrawal of PCA restrictions is considered when no parameter has breached a risk threshold across four continuous quarterly financial statements, and one of those four must be the audited annual financial statement.

The first set of mandatory actions, applied as soon as a bank crosses Risk Threshold 1, is a restriction on dividend distribution or remittance of profits, together with a requirement that the promoters, owners or the parent of a foreign bank infuse capital.

Under the revised framework the three indicators are the capital to risk weighted assets ratio or the Common Equity Tier 1 ratio for capital, the net non-performing assets ratio for asset quality, and the Tier 1 leverage ratio for leverage.

The revised framework applies to all scheduled commercial banks but expressly leaves out three categories: small finance banks, payments banks and regional rural banks.

In the 2025 list State Bank of India sits in bucket 4 and must hold an extra Common Equity Tier 1 cushion of 0.80 per cent of its risk weighted assets, over and above the normal minimum and the capital conservation buffer.

The PCA framework arranges breaches into three risk thresholds, each more serious than the last, and attaches mandatory corrective actions to each.