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Daily Current Affairs: 20 November 2025

Current affairs of 20 November 2025: PMJJBY and PMSBY: Plan to Raise Cover to ₹5 Lakh; YUVA AI for ALL: Free National AI Course; BIRSA 101: India’s First CRISPR Gene Therapy for Sickle Cell, and 13 more topics. Key facts for every exam, with a quiz.

Take the quiz (15 questions)November 2025

In this issue: 16 topics

National Affairs

Sathya Sai Baba Centenary: Rs 100 Coin and Stamps Released

Government Schemes

PMJJBY and PMSBY: Plan to Raise Cover to ₹5 Lakh
YUVA AI for ALL: Free National AI Course

Banking & Finance

IRDAI Bima Gram API: Digital Tool for Rural Insurance
NBFC Pre-Budget Demands: Refinance Window, SARFAESI, TDS, 80E
Bima Sugam: insurance marketplace products due by September 2026
Sebi Eyes Same-Day Settlement Netting for FPIs
CGAS: 19 Private Banks Cleared for Capital Gains Accounts
RBI Alert List of Unauthorised Forex Platforms Reaches 95
Axis Bank Salary Programme for Start-up Employees Launched
MuleHunter.ai: RBIH Tool to Spot Mule Accounts

Agriculture & Rural

South India Natural Farming Summit 2025: PM Modi’s Vision

Science & Technology

BIRSA 101: India’s First CRISPR Gene Therapy for Sickle Cell
ISRO CE20 Bootstrap Start Test: LVM3 Cryogenic Engine

Environment & Ecology

Ratanmahal Sanctuary: Wild Tiger Settles, Gujarat Has Three Big Cats
Groundwater Contamination in India: Arsenic, Fluoride, Nitrates and Fixes

National Affairs

History, Art & Culture

1. Sathya Sai Baba Centenary: Rs 100 Coin and Stamps Released

PM Modi released a ₹100 commemorative coin at Prasanthi Nilayam, Puttaparthi, Andhra Pradesh.
He also released special postal stamps.
The event marked the centenary of Sri Sathya Sai Baba's birth.

Full notes and 3 MCQs ›

Government Schemes

Banking & Finance

2. PMJJBY and PMSBY: Plan to Raise Cover to ₹5 Lakh

The Centre is considering raising PMJJBY and PMSBY cover from ₹2 lakh up to ₹5 lakh for those paying more.
Both schemes began on 9 May 2015 under the Department of Financial Services.
Premiums are ₹436 a year for PMJJBY and ₹20 a year for PMSBY.

Full notes and 3 MCQs ›

Government Schemes

3. YUVA AI for ALL: Free National AI Course

YUVA AI for ALL is a free, self-paced 4.5-hour online AI course from MeitY under the IndiaAI Mission.
It aims to equip 1 crore citizens with basic AI skills.
Completers receive a Government of India certificate.

Full notes and 3 MCQs ›

Banking & Finance

Banking & Finance

4. IRDAI Bima Gram API: Digital Tool for Rural Insurance

IRDAI introduced the Bima Gram API to strengthen rural insurance penetration digitally; the pilot phase has finished.
Insurers can digitally authenticate rural policies and map each one to a specific Gram Panchayat.
It cuts manual paperwork, improves accuracy and speeds up rural data processing and reporting.
It builds baseline datasets on coverage, penetration and village-level policy distribution for future planning.

Full notes and 3 MCQs ›

5. NBFC Pre-Budget Demands: Refinance Window, SARFAESI, TDS, 80E

NBFCs sought a dedicated refinance window modelled on the National Housing Bank.
They asked to cut the SARFAESI threshold from ₹20 lakh to ₹1 lakh.
They also wanted TDS removed for non-individual borrowers and NBFCs notified under Section 80E.

Full notes and 3 MCQs ›

6. Bima Sugam: insurance marketplace products due by September 2026

IRDAI Chairman Ajay Seth said on 30 June 2026 that initial Bima Sugam products should arrive by end-September 2026.
Priority products are motor, health and term life insurance; the Bima Sugam website went live in September 2025.
Bima Trinity has three pillars: Bima Sugam (marketplace), Bima Vistaar (rural composite cover) and Bima Vahaak (women agent network).
Insurance Amendment Bill 2025 allowed 100% FDI in insurance, up from 74%, without an Indian JV partner.

Full notes and 3 MCQs ›

7. Sebi Eyes Same-Day Settlement Netting for FPIs

Sebi chairman Tuhin Kanta Pandey said same-day settlement netting for FPIs was being examined.
Digital FPI registration would be paperless and cut timelines from months to days.
SWAGAT-FI is a proposed fast-track category for trusted foreign institutions.

Full notes and 3 MCQs ›

8. CGAS: 19 Private Banks Cleared for Capital Gains Accounts

The Finance Ministry authorised 19 private banks, including ICICI, HDFC, Axis, Kotak Mahindra and Yes Bank, for CGAS deposits.
Earlier only public sector banks and IDBI Bank could open CGAS accounts; rural branches stay excluded.
Section 54GA now lets gains from shifting industrial units to SEZs be deposited in CGAS.

Full notes and 3 MCQs ›

9. RBI Alert List of Unauthorised Forex Platforms Reaches 95

RBI added more unauthorised forex platforms to its Alert List, now 95 entities.
They lack FEMA, 1999 authorisation and cannot run forex Electronic Trading Platforms.
FEMA, 1999 replaced FERA, 1973.

Full notes and 3 MCQs ›

Banking & Finance

10. Axis Bank Salary Programme for Start-up Employees Launched

Axis Bank's New Economy Group (NEG) launched a salary programme for employees of funded start-ups and digital businesses.
It is aimed at Series A and above companies across innovation hubs.
Insurance costs ₹2,499 per person yearly and covers employee, spouse and children up to ₹30 lakh.

Full notes and 3 MCQs ›

Banking & Finance

11. MuleHunter.ai: RBIH Tool to Spot Mule Accounts

MuleHunter.ai is an AI tool from the Reserve Bank Innovation Hub (RBIH) that flags mule accounts in real time.
A mule account moves money for someone else, often for fraud.
RBIH also runs the United Lending Interface (ULI).

Full notes and 3 MCQs ›

Agriculture & Rural

Government Schemes

12. South India Natural Farming Summit 2025: PM Modi’s Vision

PM Modi inaugurated the South India Natural Farming Summit 2025 in Coimbatore and said India can become the world hub of natural farming.
He released the 21st PM-Kisan instalment of ₹18,000 crore; total PM-Kisan transfers exceed ₹4 lakh crore.
Tamil Nadu has 35,000 hectares under organic and natural farming.
He urged farmers to convert at least one acre to natural farming each season.

Full notes and 3 MCQs ›

Science & Technology

Science & Technology

13. BIRSA 101: India’s First CRISPR Gene Therapy for Sickle Cell

BIRSA 101 is India's first indigenous CRISPR therapy for sickle cell disease, developed by CSIR-IGIB.
Serum Institute of India is the industry partner.
It targets Sickle Cell-Free India by 2047 and is far cheaper than ₹20-25 crore global therapies.

Full notes and 3 MCQs ›

Science & Technology

14. ISRO CE20 Bootstrap Start Test: LVM3 Cryogenic Engine

ISRO demonstrated bootstrap mode start of the CE20 cryogenic engine, used in the LVM3 upper stage.
The 10-second vacuum test was held on 7 November at the HAT Facility, Mahendragiri.
Bootstrap start removes start-up gas bottles needed for each restart.

Full notes and 3 MCQs ›

Environment & Ecology

Environment & Ecology

15. Ratanmahal Sanctuary: Wild Tiger Settles, Gujarat Has Three Big Cats

A wild tiger stayed nine continuous months in Ratanmahal Wildlife Sanctuary, Gujarat.
Gujarat now hosts the lion, leopard and tiger in one shared landscape.
The sanctuary in Dahod district was declared in March 1982.

Full notes and 3 MCQs ›

Environment & Ecology

16. Groundwater Contamination in India: Arsenic, Fluoride, Nitrates and Fixes

NGT expressed dissatisfaction with the Central Groundwater Authority's response to toxic arsenic and fluoride in groundwater.
West Bengal and Assam are the worst hit by arsenic and iron; Rajasthan (49%) leads on extreme nitrate pollution.
CGWA was constituted under Section 3(3) of the Environment (Protection) Act, 1986.

Full notes and 3 MCQs ›

Test yourself

15 questions from the news of 20 November 2025, with answers and explanations.