upsc cse essay paper 2019

• India Today
• Business Today
• Reader’s Digest
• Harper's Bazaar
• Brides Today
• Cosmopolitan
• Aaj Tak Campus
• India Today Hindi

UPSE CSE Mains 2019 Essay Paper: Questions and analysis

Here's a look at the paper analysis of upse cse mains 2019 essay paper..

Listen to Story

FREE RESOURCES

• UPSC Previous Year Papers

UPSC Previous Year Papers: 2019

UPSC Mains 2019 Paper Discussions:

Significance of UPSC Previous Year Paper

Understanding exam pattern : By going through the previous year's papers, aspirants can understand the exam pattern, question format, and the distribution of marks for different topics. This knowledge helps them tailor their preparation strategy accordingly.

Identifying important topics : Analyzing previous year papers helps candidates identify the recurring themes and important topics that have been frequently asked in the exam. It allows them to prioritize their study areas and focus on high-yield topics.

Practicing time management : Solving previous year papers under timed conditions simulates the actual exam environment and helps aspirants practice time management. This is crucial as the UPSC CSE is known for its lengthy papers and requires candidates to answer a large number of questions in a limited time.

Assessing readiness and performance : Attempting previous year papers allows candidates to assess their preparation level and performance. It helps them identify their strengths and weaknesses, enabling them to work on areas that need improvement.

Enhancing problem-solving skills : The UPSC questions often require critical thinking and analytical skills to answer. Regular practice with previous year papers hones the problem-solving abilities of aspirants and prepares them for the challenging questions in the actual exam.

Gaining familiarity with question types : Going through past papers exposes candidates to a variety of question types, including objective, subjective, and case-study based questions. This familiarity can boost their confidence and reduce anxiety during the actual exam.

Learning from mistakes : Attempting previous year papers allows candidates to learn from their mistakes and avoid repeating them in the actual exam. It is an essential part of the learning process and helps in continuous improvement.

Staying updated with current trends : By analyzing recent UPSC papers, candidates can stay updated with the current trends in the examination, such as the focus on specific topics, changing question patterns, and evolving demands of the syllabus.

Revision and reinforcement : Revisiting previous year papers aids in reinforcing the concepts and information studied during preparation. It helps candidates consolidate their learning and retain the knowledge better.

Boosting confidence : Scoring well in previous year papers gives candidates a sense of confidence and motivation to perform well in the actual exam. It instills belief in their preparation and increases their chances of success.

GS SCORE brings you all GS UPSC previous year questions essential for the examination all in one place for free to help you save time and focus on the preparation rather than going on a paper-finding mission. The UPSC previous year questions have also been segregated year-wise to make it easy for IAS aspirants.

• UPSC IAS Prelims 2019 Question Paper (GS -1) with Solution Download
• UPSC IAS Prelims 2019 Question Paper GS 2 (CSAT) Download
• UPSC MAINS GENERAL STUDIES PAPER – 1 : CIVIL SERVICES EXAM 2019 Download
• UPSC MAINS GENERAL STUDIES PAPER – 2 : CIVIL SERVICES EXAM 2019 Download
• UPSC MAINS GENERAL STUDIES PAPER – 3 : CIVIL SERVICES EXAM 2019 Download
• UPSC MAINS GENERAL STUDIES PAPER – 4 ETHICS : CIVIL SERVICES EXAM 2019 Download
• UPSC Civil Services Mains Examination – 2019: ESSAY Paper Download

UPSC Previous Year Papers:

For more info, follow the table given below

Verifying, please be patient.

Our Centers

DELHI (Karol Bagh)

GS SCORE, 1B, Second Floor, Pusa Road, Karol Bagh, New Delhi - 110005 (Beside Karol Bagh Metro Station Gate No. 8)

Get directions on Google Maps

BHUBANESWAR (Jaydev Vihar)

GS SCORE, Plot No.2298, Jaydev Vihar Square, Near HCG Day Care, BBSR - 751013

LUCKNOW (Aliganj)

GS SCORE, 2nd Floor, B-33, Sangam Chauraha, Sector H, Aliganj, Lucknow, UP - 226024

© 2024 IAS SCORE. All Rights Reserved

Welcome to our secure login portal. Access your account with ease.

• Using Password

Not registered yet? register here!

Welcome to our secure register portal. For a brighter future, register now and unlock endless learning opportunities.

User Register

Already have an account? Login

Oops, forgot your password? Don't worry, we've got you covered. Reset it here

Lost your login details? No problem! forgot your password in just a few clicks

Forgot Password

Verify your mobile number, you have successfully logged in.

Join Us on WhatsApp

• IAS Preparation
• UPSC Question Papers
• UPSC Essay Question Paper Civil Services Mains Exam 2019

Essay Question Paper: UPSC Civil Services Mains Exam – 2019

The UPSC 2019 Mains Essay paper was conducted on Friday, September 20 (Forenoon Session).

The complete UPSC Essay Question Paper – Civil Services Exam 2019 is given below.

IAS aspirants can refer to these links for other UPSC 2019 Question Papers – Civil Service Mains Exam.

• UPSC Mains 2019 – GS1
• UPSC Mains 2019 – GS2
• UPSC Mains 2019 – GS3
• UPSC Mains 2019 – GS4

All UPSC 2019 Question Papers (Prelims + Mains) can be downloaded together from the linked article.

Paper – I: Essay

Write two essays, choosing one topic from each of the following sections A and B, in about 1000-1200 words each: 125×2= 250

• Wisdom finds truth
• Values are not what humanity is, but what humanity ought to be
• Best for an individual is not necessarily best for society.
• Courage to accept and dedication to improve are two keys to success
• South Asian societies are woven not around the state, but around their plural culture and plural identities
• Neglect of primary health care and education in India are reasons for its backwardness
• Biased media is a real threat to Indian democracy
• Rise of Artificial Intelligence: the threat of jobless future or better job opportunities through reskilling and upskilling

Need assistance to clear the IAS exam on your 1st attempt? Fill in your details, and our IAS trainers shall assist you!

UPSC 2021 Preparation

Leave a Comment Cancel reply

Your Mobile number and Email id will not be published. Required fields are marked *

Request OTP on Voice Call

Post My Comment

IAS 2024 - Your dream can come true!

Download the ultimate guide to upsc cse preparation.

• Share Share

Register with BYJU'S & Download Free PDFs

Register with byju's & watch live videos.

• Bihar Board

SRM University

• NBSE Result 2024
• MP Board 10th Result 2024
• MP Board 12th Result 2024
• TS Board Results 2024
• NBSE Board Result 2024
• UK Board Result 2024
• Karnataka Board Result
• Shiv Khera Special
• Education News
• Web Stories
• Current Affairs
• नए भारत का नया उत्तर प्रदेश
• School & Boards
• College Admission
• Govt Jobs Alert & Prep
• GK & Aptitude

Essay Papers: UPSC CSE Main (2019 to 1993) - Get Past Years’ Essay Question Papers of UPSC CSE

Essay papers upsc cse main (2019 to 1993): previous years’ essay question papers (upsc mains paper 1) are available here. with this article, candidates can access question papers from 1993 onwards..

Essay Papers UPSC CSE Main (2019 to 1993): Previous years’ Essay question papers are available here. With this article, candidates can access question papers from 1993 onwards. How to write an essay in UPSC? This is one the most frequently asked questions by UPSC aspirants, preparing for UPSC Civil Services Examination. Different experts, toppers, teachers and educators have different answers to this question. Essay writing in the UPSC exam is an art and one can't be a master of it in one day. An expert at Jagran Josh has shared some tips which you can check from the link given below

⇒ How to write a good Essay in the IAS Exam: Video

⇒ UPSC Civil Services Exam 2020: 7 Effective Steps to Read Laxmikant Quickly for Indian Polity

You will also find many interview videos of UPSC (CSE) Toppers at JagranJosh.Com. Here we have also provided some links to access interview videos of UPSC Toppers where they are sharing their preparation strategy and giving some useful tips for the preparation of upcoming UPSC (CSE) Prelims and Mains exam.  

⇒ IAS Topper Kajal Jawla Rank 28 shares her strategy

⇒ Kanishak Kataria IAS Topper 2019 Rank 1 shares his IAS Strategy

⇒ Srushti Jayant Deshmukh IAS Topper (among Girls CSE Rank 5)

⇒ Best Books for UPSC (IAS) Preparation: Recommended by Toppers for CSE Mains & Prelims Preparation

These are previous years’ Essay Papers of UPSC CSE Main examination of 1993, 1994, 1995, 1996, 1997, 1998, 1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019. Candidates preparing for UPSC 2020 Civil Services Examination can also take help of other important resources provided by Jagran Josh of the preparation of UPSC (IAS) Prelims 2020 exam. 

Get here latest School , CBSE and Govt Jobs notification in English and Hindi for Sarkari Naukari and Sarkari Result . Download the Jagran Josh Sarkari Naukri App . Check  Board Result 2024  for Class 10 and Class 12 like  CBSE Board Result ,  UP Board Result ,  Bihar Board Result ,  MP Board Result ,  Rajasthan Board Result  and Other States Boards.

• Nagaland Board Result 2024
• Nagaland Board HSLC Result 2024
• NBSE HSLC, HSSLC Result 2024
• Nagaland Board HSSLC Result 2024
• nbsenl.edu.in NBSE Result 2024
• NBSE Toppers List 2024
• एमपी बोर्ड 10 वीं टॉपर लिस्ट 2024
• AP SSC Results 2024 Manabadi by Jagran Josh
• AP SSC Topper List 2024
• IAS Mains Important Essay Topics
• UPSC IAS Main Exam
• IAS Mains Essay Question Paper
• IAS Mains Essay Previous Year Question papers
• IAS Mains Essay Paper
• UPSC Exam Question Papers

Latest Education News

International Dance Day 2024: 45+ Quotes, Wishes, Messages And Captions to Share with Dance Lover Friends

Picture Puzzle IQ Test: Find the mistake in the office desk picture in 5 seconds!

Brain Teaser IQ Test: Find six hidden words in the birthday party picture in 15 seconds!

Optical Illusion IQ Test: You Are A Visual Ninja If You Can Spot A Carrot In 8 Seconds!

Today’s School Assembly Headlines (29 April): Lok Sabha Election 2024 Phase 2, SCO Defence Ministers Meeting 2024, Thomas and Uber Cup 2024 and Other News in English

CGBSE Board Result 2024: Chhattisgarh Class 10, 12 Result Date, Time, Latest News And Official Website at cgbse.nic.in

CGBSE 12th Result 2024: Chhattisgarh Board 12 रिजल्ट Date, Latest News And Official Website at cgbse.nic.in

CGBSE 10th Result 2024: Chhattisgarh Board 10 रिजल्ट Date, Time, Latest News And Official Website at cgbse.nic.in

Highest Run Chases in IPL: आईपीएल इतिहास के सबसे बड़े सफल रन चेज़ कौन-से है? देखें पूरी लिस्ट

HPBOSE 12th Result 2024 Live Updates: Himachal Pradesh Class 12 Inter Results at hpbose.org, Check Online by Roll Number

UK Board Result 2024: Uttrakhand Board UBSE Class 10, 12 Result Date And Time at uaresults.nic.in

UK Board Result 2024 Class 10: Uttrakhand Board Class 10th Result Date And Time at ubse.uk.gov.in

UK Board Result 2024 Class 12: Uttrakhand Board Class 12th Result Date And Time at ubse.uk.gov.in

HPBOSE 12th Result 2024: HP Board Class 12 Result Date And Time At hpbose.org

HPBOSE Result 2024: HP Board Class 10, 12 Result Date And Time At hpbose.org

IPL 2024 Stats: आईपीएल में किसने फेंकी थी पहली गेंद, किसने लिया था पहला विकेट और किसने जड़ा था पहला छक्का

IPL इतिहास में सबसे तेज़ 200 रन बनाने वाली 5 टीमें कौन-सी है?

IPL 2024 Live Streaming: मोबाइल या टीवी कहां और कैसे देखें आईपीएल का LIVE टेलीकास्ट?

IPL 2024 Full Schedule: आईपीएल 2024 का फुल शेड्यूल,आज किस टीम का है मैच जानें यहां    

SSC GD Constable Result 2024 Live: जीडी कांस्टेबल रिजल्ट ssc.gov.in पर, यहां से डाउनलोड करें मेरिट लिस्ट

• Skip to main content

Search form

संघ लोक सेवा आयोग union public service commission.

• Active Examinations
• Forthcoming Examinations
• Previous Question Papers
• Cut-off Marks
• Answer Keys
• Marks Information
• Public Disclosure of marks & other details of non-recommended willing candidates
• Specimen Question Cum Answer Booklet (QCAB)
• Common mistakes committed by the candidates in Conventional Papers
• Revised Syllabus and Scheme
• Representation on Question Papers

Previous Year Question Papers

View Archives >>

• Visitor No:675349207

(Since: 15 Sep 2016)

UPSC Mains Essay Question Paper - 2019 | UPSC Previous Year Question Papers and Video Analysis PDF Download

Top courses for upsc, faqs on upsc mains essay question paper - 2019 - upsc previous year question papers and video analysis, how to prepare for upsc, sample paper, video lectures, upsc mains essay question paper - 2019 | upsc previous year question papers and video analysis, important questions, study material, past year papers, extra questions, practice quizzes, semester notes, shortcuts and tricks, objective type questions, previous year questions with solutions, mock tests for examination, viva questions.

UPSC Mains Essay Question Paper - 2019 Free PDF Download

Importance of upsc mains essay question paper - 2019, upsc mains essay question paper - 2019 notes, upsc mains essay question paper - 2019 upsc questions, study upsc mains essay question paper - 2019 on the app, welcome back, create your account for free.

Forgot Password

Unattempted tests, change country, practice & revise.

• TEST SERIES

Material For Exam

• __gs paper 1
• __gs paper 2
• __gs paper 3
• __gs paper 4
• __political science
• __sociology
• __economics
• __geography
• _OTHER BANK EXAMINATIONS
• Current Affair
• _Daily Current Affairs
• _Monthly Current Affairs
• _Yearly Current Affairs
• _Dainik Jagaran National edition
• _Indian Express Adfree
• _THE HINDU NEWSPAPER IMPORTANT ARTICLES
• _the hindu notes
• _EMPLOYMENT NEWS
• _EDITORIALS IN ENGLISH
• _EDITORIALS IN HINDI
• notification

Recent Update

Saturday, october 19, 2019, upsc cse mains 2019 essay paper solution pdf download.

SEARCH CONTENTS

Recent posts, facebook page, contact form.

Please enable JavaScript! Bitte aktiviere JavaScript! S'il vous plaît activer JavaScript! Por favor,activa el JavaScript! antiblock.org

• Skip to primary navigation
• Skip to main content
• Skip to primary sidebar

UPSC Coaching, Study Materials, and Mock Exams

Enroll in ClearIAS UPSC Coaching Join Now Log In

Call us: +91-9605741000

UPSC CSE Mains 2017 Essay Question Paper

Last updated on September 22, 2023 by ClearIAS Team

Table of Contents

Instructions:  Write  two  essays, choosing  one  from each of the following Section A and B, in about 1000-1200 words. 2*125 = Total 250 Marks.

Section – A

• Farming has lost the ability to be a source of subsistence for majority of farmers in India.
• Impact of the new economic measures on fiscal ties between the union and states in India.
• Destiny of a nation is shaped in its classrooms.
• Has the Non- Alignment Movement (NAM) lost its relevance in a multipolar world?

Section – B

• Joy is the simplest form of gratitude.
• Fulfillment of ‘new woman’ in India is a myth.
• We may brave human laws but cannot resist natural laws.
• Social media is inherently a selfish medium.

Post your analysis and feedback about the question paper in the comment section below. You may compare the essay questions asked in 2017 mains with those of questions of 2016 mains as well.

Aim IAS, IPS, or IFS?

Prelims cum Mains (PCM) GS Course: Target UPSC CSE 2025 (Online)

₹95000 ₹59000

Prelims cum Mains (PCM) GS Course: Target UPSC CSE 2026 (Online)

₹115000 ₹69000

Prelims cum Mains (PCM) GS Course: Target UPSC CSE 2027 (Online)

₹125000 ₹79000

About ClearIAS Team

ClearIAS is one of the most trusted learning platforms in India for UPSC preparation. Around 1 million aspirants learn from the ClearIAS every month.

Our courses and training methods are different from traditional coaching. We give special emphasis on smart work and personal mentorship. Many UPSC toppers thank ClearIAS for our role in their success.

Download the ClearIAS mobile apps now to supplement your self-study efforts with ClearIAS smart-study training.

Reader Interactions

October 28, 2017 at 4:53 pm

I Find Section A Tough,Still I Would Have Gone With Question No 3.and In Section B With Question No 1.

No More Stress Only Blessings For All. Keep Learning and Keep Growing…..!!!

November 15, 2017 at 3:47 am

Do your best & leave the rest! I also choose the same!

November 15, 2017 at 7:02 am

Wish You The Same.

God Bless You With Love and Peace……!!!

October 28, 2017 at 5:46 pm

Wau. ..I have found all the questions great!!not so hard as I thought 😐😐😐

October 29, 2017 at 1:01 am

Please tell me Gitaji, where you practiced essays writing from? And good luck for next upcoming paper.

July 14, 2019 at 2:37 pm

From where u do the practice of essays please tell me this is the 1st time for me i will give exam

October 28, 2017 at 11:00 pm

wow. so superb subject given in the essays in this paper.

October 29, 2017 at 6:11 pm

you are right , I wrote on number 1 in section 1 and 3 in section 2

October 29, 2017 at 6:42 pm

Alka section A essays are easy but how to deal with section B type essays

November 15, 2017 at 3:52 am

It’s not the context, it’s content! Don’t go for odds my friends, try to do evens also! ‘PUSH THE PACE’

Go with for/against both perspective in an essay! Write the bulletin! Explain the point! START WITH THE PROGRESSING HEIGHTS (BUILDING UR EMOTIONS) & END WITH A POSITIVE CONCLUSION..

Enough 2 score 70% in any essay!

November 15, 2017 at 8:26 am

I found sec B difficult..I would have gone for Ques 4 in sec A and ques 2 in sec B..

June 17, 2018 at 2:34 pm

Sir I am a student B. Com and I want ias please gave me information study materials

July 1, 2018 at 9:59 am

sir , i am b.com second year student and want to prepare for IAS .i don’t know where to start .please tell me

July 8, 2019 at 10:14 pm

Sir I am going to prepare for UPSC but still not sure that this is the only thing I want,as there is no other option left for me after graduation I have to prepare for it but people say do what your heart says,here I want to ask a question that is it really important to have a very clear aim before preparing for it, people like me who are unsure about their aim can’t prepare for UPSC????

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Don’t lose out without playing the right game!

Follow the ClearIAS Prelims cum Mains (PCM) Integrated Approach.

Join ClearIAS PCM Course Now

UPSC Online Preparation

• Union Public Service Commission (UPSC)
• Indian Administrative Service (IAS)
• Indian Police Service (IPS)
• IAS Exam Eligibility
• UPSC Free Study Materials
• UPSC Exam Guidance
• UPSC Prelims Test Series
• UPSC Syllabus
• UPSC Online
• UPSC Prelims
• UPSC Interview
• UPSC Toppers
• UPSC Previous Year Qns
• UPSC Age Calculator
• UPSC Calendar 2024
• About ClearIAS
• ClearIAS Programs
• ClearIAS Fee Structure
• IAS Coaching
• UPSC Coaching
• UPSC Online Coaching
• ClearIAS Blog
• Important Updates
• Announcements
• Book Review
• ClearIAS App
• Work with us
• Advertise with us
• Privacy Policy
• Terms and Conditions
• Talk to Your Mentor

Featured on

and many more...

Take ClearIAS Mock Exams: Analyse Your Progress

UPSC Prelims Test Series for GS and CSAT: With Performance Analysis and All-India Ranking (Online)

₹9999 ₹4999

Call us @ 08069405205

Search Here

• An Introduction to the CSE Exam
• Personality Test
• Annual Calendar by UPSC-2024
• Common Myths about the Exam
• About Insights IAS
• Our Mission, Vision & Values
• Director's Desk
• Meet Our Team
• Our Branches
• Careers at Insights IAS
• Daily Current Affairs+PIB Summary
• Insights into Editorials
• Insta Revision Modules for Prelims
• Current Affairs Quiz
• Static Quiz
• Current Affairs RTM
• Insta-DART(CSAT)
• Insta 75 Days Revision Tests for Prelims 2024
• Secure (Mains Answer writing)
• Secure Synopsis
• Ethics Case Studies
• Insta Ethics
• Weekly Essay Challenge
• Insta Revision Modules-Mains
• Insta 75 Days Revision Tests for Mains
• Secure (Archive)
• Anthropology
• Law Optional
• Kannada Literature
• Public Administration
• English Literature
• Medical Science
• Mathematics
• Commerce & Accountancy
• Monthly Magazine: CURRENT AFFAIRS 30
• Content for Mains Enrichment (CME)
• InstaMaps: Important Places in News
• Weekly CA Magazine
• The PRIME Magazine
• Insta Revision Modules-Prelims
• Insta-DART(CSAT) Quiz
• Insta 75 days Revision Tests for Prelims 2022
• Insights SECURE(Mains Answer Writing)
• Interview Transcripts
• Previous Years' Question Papers-Prelims
• Answer Keys for Prelims PYQs
• Solve Prelims PYQs
• Previous Years' Question Papers-Mains
• UPSC CSE Syllabus
• Toppers from Insights IAS
• Testimonials
• Felicitation
• UPSC Results
• Indian Heritage & Culture
• Ancient Indian History
• Medieval Indian History
• Modern Indian History
• World History
• World Geography
• Indian Geography
• Indian Society
• Social Justice
• International Relations
• Agriculture
• Environment & Ecology
• Disaster Management
• Science & Technology
• Security Issues
• Ethics, Integrity and Aptitude

• Indian Heritage & Culture
• Enivornment & Ecology

India’s declining net Household Savings

Syllabus: Indian Economy

Source: BBC

  Context: Recent data from the Reserve Bank of India reveals that India’s net household savings are at a 47-year low, standing at 5.3% of the GDP in the fiscal year 2023, down from 7.3% in 2022 .

• This decline is accompanied by a sharp increase in household debt (at 5.8% of GDP) reaching the second-highest level since the 1970s.

What is the Household Saving Rate?

The Household Saving Rate refers to the percentage of disposable income that households save instead of spending on consumption . It is a key economic indicator that reflects the propensity of households to save for the future.

Household savings consist of three main parts:

• Financial assets: This includes cash, bank deposits, retirement funds, insurance policies, stocks, and other investments.
• Physical assets: These are investments in tangible assets like real estate, land, and property.
• Gold and silver ornaments: Savings in the form of precious metals like gold and silver jewellery or bullion.

A higher saving rate indicates greater financial prudence and potential for investment, while a lower saving rate may suggest higher consumer spending and less savings for future needs.

Household net savings are the total money and investments families have, like deposits, stocks and bonuses, minus any money they owe, like loans and debt.

Why are domestic savings important for India’s economy?

Domestic savings are vital for India’s economy as they fuel investment in key sectors like infrastructure and industries. This capital formation supports economic growth, job creation, and prosperity.

What is Household debt?

Household debt refers to the total amount of money that individuals owe to creditors, such as banks, financial institutions, or other lenders.

Reasons for declining Household savings in India and Increasing Household Debt:

As households borrow more to support consumption, their savings diminish. Increased borrowing means more income goes toward debt repayment , reducing the amount available for savings.

The fall in household savings can have several macroeconomic implications:

• Increased household debt : The fall in household savings means people have less money set aside for the future, which can lead to more borrowing.
• Impact of high-interest rates : Policy measures like higher interest rates aimed at controlling inflation can inadvertently lead to increased household debt levels, potentially trapping them in a debt cycle.
• Effect on demand : High-interest rates can weigh on households’ ability to consume, thereby reducing demand in the economy .
• Fragility and joblessness : This shift towards a more financialized economy could make the economy fragile and potentially lead to job losses
• Rising inequality – The rise in financial liabilities with falling asset levels could be a sign of rising inequality.
• Dependence on foreign capital – A dip in household savings would lead to more dependence on foreign capital to fund growth.

Steps to Increase Household Savings in India:

• Implement initiatives to enhance financial literacy among households , empowering them to make informed decisions about savings and investments.
• Introduce tax incentives or deductions for savings instruments such as retirement accounts, fixed deposits, and insurance policies to encourage households to save more.
• Government Savings Schemes: Promote government-sponsored savings schemes like the Public Provident Fund (PPF) , National Savings Certificate (NSC), and Sukanya Samriddhi Yojana (SSY) to attract households to invest in safe and secure avenues.
• Employer Contributions : Encourage employers to contribute to their employees’ retirement savings through schemes like the Employees’ Provident Fund (EPF) and the National Pension System (NPS).
• Financial Inclusion : Expand access to banking and financial services in rural and underserved areas to include more households in the formal financial system, offering them opportunities to save.

Steps to Reduce Household Debt in India:

• Debt Counseling Services : Establish debt counselling services to provide guidance and support to households struggling with debt management,
• Regulation of Lending Practices : Implement stricter regulations on lending practices by financial institutions to prevent predatory lending and discourage households from taking on excessive debt burdens.
• Debt Relief Programs: Introduce debt relief programs or schemes to assist households facing financial hardship esp. farmers.
• Alternative Financing Options: Promote alternative financing options such as peer-to-peer lending, microfinance, and community-based savings and credit groups as alternatives to traditional banking loans, offering households access to affordable credit sources with reasonable terms and conditions.

Conclusion:

While some interpret reduced savings in India as a sign of confidence in future income prospects , others express concerns about financial fragility and sustainability, especially given India’s low per capita income among G20 nations . The situation underscores the delicate balance between consumption aspirations, inadequate public amenities, and income instability for Indian households.

Insta Links:

Household Consumption Expenditure Survey 2022-23

Prelims Link:

As per the NSSO 70th Round “Situation Assessment Survey of Agricultural Households”, consider the following statements: (UPSC 2018)

• Rajasthan has the highest percentage share of agricultural households among its rural households.
• Out of the total agricultural households in the country, a little over 60 percent belong to OBCs.
• In Kerala, a little over 60 percent of agricultural households reported to have received maximum income from sources other than agricultural activities.

Which of the statements given above is/are correct?

(a) 2 and 3 only (b) 2 only (c) 1 and 3 only (d) 1, 2 and 3

Q2. In a given year in India, official poverty lines are higher in some States than in others because (UPSC 2019)

(a) poverty rates vary from State to State (b) price levels vary from State to State (c) Gross State Product varies from State to State (d) quality of public distribution varies from State to State

• Our Mission, Vision & Values
• Director’s Desk
• Commerce & Accountancy
• Previous Years’ Question Papers-Prelims
• Previous Years’ Question Papers-Mains
• Environment & Ecology
• Science & Technology