UPSC GK Questions 2026

NaBFID was created by the National Bank for Financing Infrastructure and Development Act, 2021 as a development finance institution for long-term infrastructure finance, with its head office in Mumbai, and it is the newest of the country's apex development institutions.

CGTMSE was established in 2000 by the Government of India together with SIDBI to guarantee loans given without collateral or third-party guarantee to micro and small enterprises, so that a lender's fear of security does not keep a small unit out of formal credit.

The National Housing Bank was established on 9 July 1988 under the National Housing Bank Act, 1987, with its head office in New Delhi, to refinance and regulate housing finance; it was set up as a wholly owned subsidiary of the Reserve Bank, whose shareholding was transferred to the Government…

Besides refinancing them, NABARD carries out the inspection and supervision of the regional rural banks, the state cooperative banks and the district central cooperative banks on behalf of the Reserve Bank, and it also prepares the potential linked credit plans from which district credit plans are drawn.

The Rural Infrastructure Development Fund was created in 1995 to 1996 and is maintained with NABARD; it is funded by the amounts commercial banks fall short of in their priority sector lending targets, and NABARD lends from it to state governments for rural roads, bridges, irrigation works, warehouses and similar…

MUDRA was created in 2015 as a subsidiary of SIDBI to refinance the small loans given by banks, microfinance institutions and non-banking finance companies under the Pradhan Mantri Mudra Yojana, the loans being classified as Shishu up to fifty thousand rupees, Kishore from fifty thousand to five lakh and Tarun…

The EXIM Bank was established on 1 January 1982 under the Export-Import Bank of India Act, 1981, is wholly owned by the Government of India, has its head office in Mumbai, and finances and promotes India's foreign trade, including the lines of credit the government extends to other countries.

The Industrial Finance Corporation of India was set up in 1948 under the Industrial Finance Corporation Act of that year to provide medium and long-term finance to industry, which makes it the first development finance institution in the country; it was converted into a company in 1993.

SIDBI has its head office at Lucknow in Uttar Pradesh, which makes it the one major apex financial institution of the country not headquartered in a metropolitan financial centre, and that is exactly why the question is asked.

The Reserve Bank appointed the Committee to Review the Arrangements for Institutional Credit for Agriculture and Rural Development, known as CRAFICARD, in 1979 under the chairmanship of B. Sivaraman, and its recommendation led to the NABARD Act, 1981 and the creation of NABARD in 1982.

The National Bank for Agriculture and Rural Development was set up on 12 July 1982 under the NABARD Act, 1981, as the apex institution for credit to agriculture and rural development, taking over the work of the Reserve Bank's Agricultural Credit Department and Rural Planning and Credit Cell and of…

When the surface on which condensation occurs is below the freezing point and the dew point is also below it, the vapour changes directly into tiny ice crystals instead of water droplets, and that white deposit is frost; it is common on clear, calm winter nights when the ground loses…

A temperate or extra-tropical cyclone is a frontal system: it forms between about thirty-five and sixty-five degrees latitude where a cold polar air mass meets a warm subtropical one, and the warm air is forced to rise along the front, giving slow and widespread rain over a large area.

The India Meteorological Department grades a system of the north Indian Ocean by its sustained wind speed, and the highest grade, the super cyclonic storm, begins at two hundred and twenty-two kilometres per hour.

The Coriolis force, which arises from the rotation of the earth, is zero at the equator and very weak for a few degrees on either side, so converging air cannot be deflected into the spiral that makes a cyclone; the belt within about five degrees of the equator is therefore…

In the equatorial belt the ground is strongly heated through the morning, the warm moist air rises in powerful convection currents, cools as it rises, condenses into towering cumulonimbus and falls as a short, very heavy shower in the afternoon, which is why it is nicknamed four o'clock rain.

The cumulonimbus is a cloud of great vertical extent that can rise from near the ground almost to the top of the troposphere, and the strong updraughts inside it produce thunder, lightning, heavy showers and hail; it is the cloud of the thunderstorm and the eye wall of a cyclone…

Relative humidity compares the water vapour actually present in the air with the maximum amount the air could hold at that temperature, so it is a ratio and is stated as a percentage; air at a hundred per cent relative humidity is saturated.

A hygrometer measures the humidity of the air, and the common working form is the psychrometer, a pair of wet and dry bulb thermometers whose difference in reading is converted into relative humidity with a table.

Julia was a storm of the Atlantic basin and never approached India, so it cannot belong to a list of Indian landfalls.