Saturday, March 18, 2023

National Education Policy of India 2020 (NEP 2020) (50 One Liner Questions)

National Education Policy of India 2020 (NEP 2020) (50 One Liner Questions)















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1. When was the National Education Policy 2020 announced? राष्ट्रीय शिक्षा नीति 2020 की घोषणा कब की गई थी? The National Education Policy of India 2020 (NEP 2020), which was approved by the Union Cabinet of India on _______. भारत की राष्ट्रीय शिक्षा नीति 2020 (एनईपी 2020), जिसे भारत के केंद्रीय मंत्रिमंडल द्वारा कब मंजूर किया गया था?

29 July 2020

This National Education Policy 2020 is the first education policy of the 21st century. The policy is founded on the three pillars of Research, Innovation and Quality (अनुसंधान, नवाचार और गुणवत्ता) with the objective of developing India into a knowledge super power.

The NEP 2020 replaces the 2nd National Policy on Education of 1986.

1st NPE :- 1968

2. Who was the chairman of NEP 2020 drafting committee? NEP 2020 मसौदा समिति के अध्यक्ष कौन थे?
Dr. Krishnaswamy Kasturirangan

3. The new policy will replace which previous national policy on education? नई शिक्षा नीति पिछली किस राष्ट्रीय नीति की जगह लेगी?
1986 (34 Years old)

4. Education in India is a _______ List subject. भारत में शिक्षा एक किस सूची का विषय है?
Concurrent List (समवर्ती सूची)

5. In January 2015, a committee headed by which former cabinet secretary initiated the consultation process for the new education policy? जनवरी 2015 में, किस पूर्व कैबिनेट सचिव की अध्यक्षता में एक समिति ने नई शिक्षा नीति के लिए परामर्श प्रक्रिया शुरू की?
T. S. R. Subramanian

6. The draft NEP in 2019 was submitted by a panel led by the former chief of which Indian Space Research Organization (ISRO), in June 2017, based on the Subramanian Committee report? किस भारतीय अंतरिक्ष अनुसंधान संगठन (इसरो) के पूर्व प्रमुख के नेतृत्व में एक पैनल द्वारा 2019 में मसौदा एनईपी प्रस्तुत किया गया था जो टी.एस.आर. सुब्रमण्यम समिति की रिपोर्ट जून 2017 के आधार पर था?
Krishnaswamy Kasturirangan

7. The Draft New Education Policy (DNEP) 2019 was released by _______, followed by a number of public consultations. 
Ministry of Human Resource Development (Now Ministry of Education)

8. The Draft NEP was _______ pages.
484

9. किस लक्ष्य को प्राप्त करने के लिए 5 जुलाई 2021 को NIPUN भारत मिशन शुरू किया गया था? To achieve which goal NIPUN India Mission was launched on 5th July 2021?
To achieve universal foundational literacy and numeracy in primary school by 2025.

Target of the programme is to ensure that every child in the country attains foundational literacy and numeracy by the end of Grade 3, by 2026-27.

:- National Mission on Foundational Literacy and Numeracy will be set up by the Ministry of Education.

:- The highest priority of the education system will be to achieve universal foundational literacy and numeracy in primary school by 2025.

The full form of NIPUN Bharat Programme is the National Initiative for Proficiency in Reading with Understanding and Numeracy Bharat Programme. The NIPUN Bharat Programme aims to cover the learning needs of children in the age group of 3 to 9 years.

10. The "10 + 2" structure will be replaced with _______ model.
5+3+3+4

(5 Years of Foundational Stage)
3 Years + 2 Years

3 Years (Anganwadi/Pre School/Balvatika) (Ages 3-6)

2 Years (Class 1 & 2) (Ages 6-8)

The focus of studies will be in activity-based learning.

(3 Years of Preparatory Stage)
(Class 3 To 5) (Ages 8-11)
It will gradually introduce subjects like speaking, reading, writing, physical education, languages, art, science and mathematics.

(3 Years of Middle Stage)
(Class 6 To 8) (Ages 11-14)

(4 Years of Secondary Stage) 
It is again subdivided into two parts :- class 9 and 10 covering the first phase while classes 11 and 12 covering the second phase.

(Class 9 To 12) (Ages 14-18)

The children in the age group of 3-6 are not covered in the 10+2 structure. In the new 5+3+3+4 structure, a strong base of Early Childhood Care and Education (ECCE) from age 3 is also included, which is aimed at promoting better overall learning, development, and well-being.

11. _______ courses are to be discontinued to align degree education with how it is in Western models. पश्चिमी मॉडल में डिग्री शिक्षा को संरेखित करने के लिए _______ पाठ्यक्रमों को बंद किया जाना है।
MPhil (Masters of Philosophy)

12. A _______ will be set up to regulate higher education. उच्च शिक्षा को विनियमित करने के लिए किसकी स्थापना की जाएगी?
Higher Education Commission of India (HECI)

The council's goal will be to increase Gross Enrollment Ratio (सकल नामांकन अनुपात). The HECI will have 4 verticals :-

(1) National Higher Education Regulatory Council (NHERC), to regulate higher education, including teacher education, while excluding medical and legal education.

(2) National Accreditation Council (NAC), a "meta-accrediting body".

(3) Higher Education Grants Council (HEGC), for funding and financing of universities and colleges. This will replace the existing All India Council for Technical Education (AICTE) and the University Grants Commission (UGC).

(4) General Education Council (GEC) :- It will also be responsible in framing a National Higher Education Qualification Framework (NHEQF). The National Council for Teacher Education will come under the GEC, as a professional standard setting body (PSSB).

Other PSSBs will include professional councils such as Veterinary Council of India, Council of Architecture, Indian Council of Agricultural Research and National Council for Vocational Education and Training.

The policy proposes to internationalize education in India. नीति में भारत में शिक्षा का अंतर्राष्ट्रीयकरण करने का प्रस्ताव है। Foreign universities can now set up campuses in India as well as giving permission for IITs to set up campuses overseas.

The fees of both private and public universities will be fixed.

13. As per NEP 2020, To become a teacher, a 4-year Bachelor of Education will be the minimum requirement needed by _______. NEP 2020 के अनुसार, शिक्षक बनने के लिए कब तक 4 वर्षीय बैचलर ऑफ एजुकेशन न्यूनतम आवश्यकता होगी?
2030

14. _______ an autonomous body is also created to facilitate exchange of ideas on technology to enhance learning, assessment, planning, administration. सीखने, मूल्यांकन, योजना, प्रशासन को बढ़ाने के लिए प्रौद्योगिकी के उपयोग पर विचारों के आदान-प्रदान की सुविधा के लिए कौन-सा एक स्वायत्त निकाय भी बनाया गया है?
National Educational Technology Forum (NETF)

15. In September 2021, in line with NEP, NITI Aayog partnered with _______ to provide free access to its tech-driven learning programmes to engineering aspirants from 112 districts. सितंबर 2021 में, एनईपी के अनुरूप, नीति आयोग ने 112 जिलों के इंजीनियरिंग उम्मीदवारों को अपने तकनीक-संचालित शिक्षण कार्यक्रमों तक मुफ्त पहुंच प्रदान करने के लिए किसके साथ भागीदारी की?
Byju's

16. In early August 2021, _______ became the first state to issue an order with regard to implementing NEP. अगस्त 2021 की शुरुआत में, कौन-सा राज्य एनईपी को लागू करने के संबंध में आदेश जारी करने वाला पहला राज्य बन गया?
Karnataka

17. On 26th August 2021, ________ implemented NEP 2020. 26 अगस्त 2021 को किस राज्य ने NEP 2020 लागू किया?
Madhya Pradesh

18. When India did adopt Global Goal 4 (SDG4) of the 2030 Agenda for Sustainable Development? भारत ने सतत विकास के लिए 2030 एजेंडा के वैश्विक लक्ष्य 4 (SDG4) को कब अपनाया?
2015

Sustainable Development Goals :- 17
Established :- 2015
Founder :- United Nations

SDG 4 :- Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all समावेशी और समान गुणवत्ता वाली शिक्षा सुनिश्चित करें और सभी के लिए आजीवन सीखने के अवसरों को बढ़ावा देना। 

19. Under the chairmanship of whom "Committee for Evolution of the New Education Policy" submitted its report in May 2016? मई 2016 में किसकी अध्यक्षता में "नई शिक्षा नीति के विकास के लिए समिति" ने अपनी रिपोर्ट प्रस्तुत की?
Late Shri T.S.R. Subramanian

20. According to NEP 2020, teachers will be able to teach lessons in mother tongue or regional language up to which Grade? NEP 2020 के अनुसार, शिक्षक किस कक्षा तक मातृभाषा या क्षेत्रीय भाषा में पाठ पढ़ा सकेंगे?
Grade 5

In NEP 2020, teaching up to at least Grade 5 to be in mother tongue/ regional language. No language will be imposed on any student.

21. According to the National Education Policy 2020 by how much percent the Gross Enrolment Ratio in higher education to be raised? राष्ट्रीय शिक्षा नीति 2020 के अनुसार उच्च शिक्षा में सकल नामांकन अनुपात को कितने प्रतिशत तक बढ़ाया जाना है?
50%

According to the National Education Policy 2020, Gross Enrolment Ratio in higher education to be raised to 50 % by 2035.

22. _______ will be created as an apex body for fostering a strong research culture and building research capacity across higher education as per NEP 2020. एनईपी 2020 के अनुसार एक मजबूत अनुसंधान संस्कृति को बढ़ावा देने और उच्च शिक्षा में अनुसंधान क्षमता के निर्माण के लिए _______ को एक शीर्ष निकाय के रूप में बनाया जाएगा।
National Research Foundation

According to NEP 2020, the National Research Foundation will be created as an apex body for fostering a strong research culture and building research capacity across higher education.

23. As per NEP 2020, from which class will vocational education be introduced? NEP 2020 के अनुसार व्यावसायिक शिक्षा किस कक्षा से शुरू की जाएगी?
Class 6

Coding will be introduced from class 6 and experiential learning will be adopted.

24. As per NEP 2020, students’ progress card will be redesigned in which format? NEP 2020 के अनुसार, छात्रों के प्रगति कार्ड को किस प्रारूप में फिर से डिज़ाइन किया जाएगा?
360-degree progress card

25. As per NEP 2020, what is the full form of "PARAKH"?
Performance Assessment Review and Analysis of Knowledge for Holistic Development

Aim :- setting norms, standards, and guidelines मानदंड, मानक और दिशानिर्देश निर्धारित करना





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26. What is the full form of ABC as per the NEP 2020? NEP 2020 के अनुसार ABC का पूर्ण रूप क्या है?
Academic Bank of Credit

Academic Bank of Credit, a digital storage of credits earned to help resume education by utilizing credits for further education.

27. Is it binding for all states to implement National Education Policy 2020? क्या सभी राज्यों के लिए राष्ट्रीय शिक्षा नीति 2020 लागू करना बाध्यकारी है?
No

28. A National Curricular and Pedagogical Framework for Early Childhood Care and Education (NCPFECCE) for children up to the age of 8 will be developed by _______. 8 वर्ष की आयु तक के बच्चों के लिए प्रारंभिक बचपन देखभाल और शिक्षा के लिए एक राष्ट्रीय पाठ्यचर्या और शैक्षणिक ढांचा किसके द्वारा विकसित किया जाएगा?
NCERT

29. A national repository of high-quality resources on foundational literacy and numeracy will be made available on the _______. मूलभूत साक्षरता और संख्यात्मकता पर उच्च गुणवत्ता वाले संसाधनों का एक राष्ट्रीय भंडार किस पर उपलब्ध कराया जाएगा?
Digital Infrastructure for Knowledge Sharing (DIKSHA)

30. The Government of India will constitute a _______ to build the nation’s capacity to provide equitable quality education for all girls as well as transgender students. भारत सरकार सभी लड़कियों के साथ-साथ ट्रांसजेंडर छात्रों के लिए समान गुणवत्तापूर्ण शिक्षा प्रदान करने के लिए देश की क्षमता का निर्माण करने के लिए किसका गठन करेगी?
Gender Inclusion Fund

31. The aim will be to increase the Gross Enrolment Ratio in higher education including vocational education from 26.3% (2018) to 50% by _______.
2035

32. The present complex nomenclature (नामपद्धति) of Higher Education Institutions (HEIs) in the country such as "deemed to be university", "affiliating university", "affiliating technical university", "unitary university" shall be replaced simply by _______ on fulfilling the criteria as per norms.
University

33. Ancient Indian literary works such as Banabhatta’s Kadambari described a good education as knowledge of the _______ Kalaas or art. बाणभट्ट की कादंबरी जैसी प्राचीन भारतीय साहित्यिक कृतियों ने अच्छी शिक्षा को कितनी कलाओं या कला के ज्ञान के रूप में वर्णित किया है?
(A) 52 Kalaas or art
(B) 72 Kalaas or art
(C) 64 Kalaas or art
(D) 102 Kalaas or art

(C) 64 Kalaas or art

Bāṇabhaṭṭa was a 7th-century Sanskrit prose writer and poet of India.

34. MERUs stands for?
Multidisciplinary Education and Research Universities

35. NCIVE & NCVET stands for?
NCIVE :- National Committee for the Integration of Vocational Education
NCVET :- National Council for Vocational Education and Training

36. What is the full form of NCPFECCE & SCERT?
NCPFECCE :- National Curricular and Pedagogical Framework for Early Childhood Care and Education

SCERT :- State Council of Educational Research and Training

37. SQAAF stands for?
School Quality Assessment and Accreditation Framework

38. SWAYAM stands for?
Study Webs of Active Learning for Young Aspiring Minds

39. NEP 2020 proposed "Professional Standard Setting Body (PSSB)" will develop common guiding set of principles for the teacher? What will be the name of organization?
National Professional Standards for Teachers (NPST)

40. How many hours of training are expected from school Principals and school complex leaders in an academic year as Continuous Professional Development (CPD)? सतत व्यावसायिक विकास (सीपीडी) के रूप में एक शैक्षणिक वर्ष में स्कूल के प्रधानाचार्यों और स्कूल परिसर के नेताओं से कितने घंटे के प्रशिक्षण की अपेक्षा की जाती है?
50 Hours

41. According to NEP 2020 schools/school complexes will hire local eminent persons or experts for teaching extra -curricular, vocational courses etc. What is proposed name of the post?
Master Instructors

42. To track progress throughout the school years, not only at the end of grades 10 and 12 as per NEP 2020, but all students will take school exams in the following classes. What is the correct sequence? पूरे स्कूल के वर्षों में प्रगति को ट्रैक करने के लिए, न कि केवल एनईपी 2020 के अनुसार ग्रेड 10 और 12 के अंत में, बल्कि सभी छात्र निम्नलिखित कक्षाओं में स्कूल परीक्षा देंगे। सही क्रम क्या है।
Grades 3, 5 and 8

43. National Education Policy 2020 emphasized on teacher empowerment. How many hours of teacher-training are expected from each teacher in an academic year as Continuous Professional Development (CPD)? राष्ट्रीय शिक्षा नीति 2020 ने शिक्षक सशक्तिकरण पर जोर दिया। सतत व्यावसायिक विकास (सीपीडी) के रूप में एक शैक्षणिक वर्ष में प्रत्येक शिक्षक से कितने घंटे का शिक्षक-प्रशिक्षण अपेक्षित है?
50 Hours

44. Which government institution will organize university entrance exams according to NEP 2020? NEP 2020 के अनुसार कौन-सा सरकारी संस्थान विश्वविद्यालय प्रवेश परीक्षा आयोजित करेगा?
National Testing Agency (NTA)

The National Testing Agency will now be given the additional responsibility of conducting entrance examinations for admissions to universities across the country.

45. Which government organization will develop guidelines for the education of gifted children?
NCERT (National Council of Educational Research and Training) and NCTE (National Council for Teacher Education)

46. According to NEP 2020 Sarva Shiksha Abhiyan (SSA), will be subsumed as new programme. What is the name of the programme? एनईपी 2020 के अनुसार सर्व शिक्षा अभियान (एसएसए) को नए कार्यक्रम के रूप में शामिल किया जाएगा। कार्यक्रम का नाम क्या है?
Samagra Shiksha Scheme (SSS) समग्र शिक्षा योजना

47. What is another suggested name of Children with Special Needs mentioned in NEP 2020? NEP 2020 में उल्लिखित विशेष आवश्यकता वाले बच्चों का एक और सुझाया गया नाम क्या है?
Divyang Child

48. NEP 2020 recommends that regions of the country with large populations from educationally-disadvantaged SEDGs (Socio-Economically Disadvantaged Groups) should be declared as _______.
Special Education Zones (SEZs)

49. What is full form of (RPWD) Act 2016?
The Rights of Persons with Disabilities (RPWD) Act 2016

50. What is the proposed name of National Teacher Education Framework 2021?
National Curriculum Framework for Teacher Education, NCFTE 2021

(Other Important Points)

The policy proposes new language institutions such as the Indian Institute of Translation and Interpretation and the National Institute/ Institutes for Pali, Persian and Prakrit. Other bodies proposed include the National Mission for Mentoring, National Book Promotion Policy, National Mission on Foundational Literacy and Numeracy.

It proposes a 4-year multi-disciplinary bachelor's degree in an undergraduate programme with multiple exit options. These will include professional and vocational areas and will be implemented as follows :-
A certificate after completing 1 year of study
A diploma after completing 2 years of study
A Bachelor's degree after completion of a 3-year programme
A 4-year multidisciplinary Bachelor's degree (the preferred option)

NEP, 2020 aim to increase the GER (Gross Enrolment Ratio) to 100% in preschool to secondary level by 2030.

:- Unfortunately, Indian languages have not received their due attention and care, with the country losing over 220 languages in the last 50 years alone. UNESCO has declared 197 Indian languages as "endangered ".

Union Finance Minister Nirmala Sitharaman in her budget speech stated that a Central University will be set up in Leh to ensure proper higher education access.

Q. What is the single greatest tool for achieving social justice and equality according to NEP 2020? NEP 2020 के अनुसार सामाजिक न्याय और समानता प्राप्त करने का सबसे बड़ा साधन क्या है?
Education (शिक्षा)

Q. National Education Policy of India 2020 (NEP 2020) recommends :-
Multilingualism

Multilingualism refers to being fluent in multiple (more than two) languages.

:- Establishing a National Mission for Mentoring.

:- Achieving 100% youth and adult literacy.

:- The Centre and the States will work together to increase the public investment in Education sector to reach 6% of GDP at the earliest.

:- Strengthening of the Central Advisory Board of Education (CABE) to ensure coordination to bring overall  focus on quality education.

(Some Most Important Abbreviations related to National Education Policy 2020)
CIET :- Central Institute of Educational Technology
SSSA :- State School Standards Authority
CWSN :- Children With Special Needs
RPWD :- Rights of Persons with Disabilities
DIET :- District Institute of Education and Training
DIKSHA :- Digital Infrastructure for Knowledge Sharing
MOOC :- Massive Open Online Course

NCFSE :- National Curriculum Framework for School Education
NCFTE :- National Curriculum Framework for Teacher Education

NCIVE :- National Committee for the Integration of Vocational Education
NCPFECCE :- National Curricular and Pedagogical Framework for Early Childhood Care and Education
NCVET :- National Council for Vocational Education and Training
NETF :- National Educational Technology Forum
NHEQF :- National Higher Education Qualifications Framework
NHERC :- National Higher Education Regulatory Council
NPST :- National Professional Standards for Teachers
U-DISE :- Unified District Information System for Education
STEM :- Science, Technology, Engineering, and Mathematics
SQAAF :- School Quality Assessment and Accreditation Framework
SEDG :- Socio-Economically Disadvantaged Group
SCERT :- State Council of Educational Research and Training
PSSB :- Professional Standard Setting Body
MERU :- Multidisciplinary Education and Research Universities

ICAR :- Indian Council of Agricultural Research
ICHR :- Indian Council of Historical Research
ICMR :- Indian Council of Medical Research

AYUSH :- Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy
CABE :- Central Advisory Board of Education










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Unit - 1 :- Political Theory

Concepts
Liberty, Equality, Justice, Rights, Democracy, Power, Citizenship,
Political Traditions
Liberalism
Conservatism
Socialism
Marxism
Feminism
Ecologism
Multiculturalism
Postmodernism


Unit - 2 :- Political Thought

Confucius, Plato, Aristotle, Machiavelli, Hobbes, Locke, Rousseau, Hegel, Mary Wollstonecraft, John Stuart Mill, Karl Marx, Gramsci, Hannah Arendt, Frantz Fanon, Mao Zedong, John Rawls

Unit - 3 :- Indian Political Thought

Dharamshastra, Kautilya, Aggannasutta, Barani, Kabir, Pandita Ramabai, Bal Gangadhar Tilak, Swami Vivekanand, Rabindranath Tagore, M.K Gandhi, Sri Aurobindo, Periyar E. V. Ramasamy, Muhammad Iqbal, M.N.Roy, V D Savarkar, Dr. B.R.Ambedkar, J L Nehru, Ram Manohar Lohia, Jaya Prakash Narayan, Deendayal Upadhyaya

Unit - 4 :- Comparative Political Analysis

Approaches :- Institutional, Political Culture, Political Economy and New Institutionalism; Comparative Methods

Colonialism and decolonization :- forms of colonialism, anti colonial struggles and decolonization

Nationalism :- European and non-European.

State theory :- debate over the nature of state in capitalist and socialist societies; post-colonial state; welfare state; globalization and nations-states

Political regimes :- democratic (Electoral, Liberal, Majoritarian and Participatory) and non-democratic regimes (Patrimonialism, Bureaucratic authoritarianism, Military dictatorship, Totalitarianism, and fascist). 

Constitutions and Constitutionalism :- forms of constitutions, rule of law, judicial independence and liberal constitutionalism; emergency powers and crisis of constitutionalism.

Democratisation :- democratic transition and consolidation.

Development :- Underdevelopment, Dependency, Modernization, World Systems Theory, development and democracy.

Structures of Power :- ruling class, power elites, democratic elitism

Actor and Processes :- Electoral Systems, Political Parties and Party System, Interest groups, Social movements, new social movements, Non Governmental Organisations (NGOs) and civil society campaigns; Revolutions.

Unit - 5 :- International Relations

Approaches to the study of International relations: Idealism, Realism, Structural Marxism, Neoliberalism, Neorealism, Social Constructivism, Critical International Theory, Feminism, Postmodernism.

Concepts :- State, state system and non-state actors, Power, Sovereignty, Security : traditional and non- traditional.

Conflict and Peace :- Changing Nature of Warfare; Weapons of mass destruction; deterrence; conflict resolution, conflict transformation.

United Nations :- Aims, Objectives, Structure and Evaluation of the Working of UN; Peace and Development perspectives; Humanitarian intervention. International law; International Criminal Court Political Economy of IR; Globalisation; Global governance and Bretton Woods system, North-South Dialogue, WTO, G-20, BRICS.

Regional Organisations :- European Union, African Union, Shanghai Cooperation Organisation, ASEAN. 

Contemporary Challenges :- International terrorism, Climate change and Environmental Concerns, Human Rights, Migration and Refugees; Poverty and Development; Role of Religion, Culture and Identity Politics.











Unit - 6 :- India’s Foreign Policy

Perspectives on India’s Foreign Policy :- India’s Identity as postcolonial, development, rising power and as emerging political economy 

Continuity and change in India’s Foreign Policy :- Principles and determinants; Non-Alignment movement: historical background and relevance of Non Aligned Movement; India’s Nuclear Policy

India’s relations with major powers :- USA, USSR/Russia, People’s Republic of China

India’s Engagement with multipolar world :- India’s relations with European Union, BRICS, ASEAN, Shanghai Cooperation Organisation, African Union, Southern African Development Community, Gulf Cooperation Council

India’s relations with neighbourhood :- SAARC, Gujaral doctrine, Look Eas t/ Act East, Look West.

India’s Negotiation Strategies in International Regimes :- The United Nations, World Trade Organisation, International Monetary Fund, Intergovernmental Panel on Climate Change 

Contemporary challenges :- maritime security, energy security, environmental security, migrants and refugees, water resources, international terrorism, cyber security

Unit - 7 :- Political Institutions in India

Making of the Indian Constitution :- Colonialism heritage and the contribution Indian National Movement to the making of the Indian Constitution

Constituent Assembly :- Composition, Ideological Moorings, Constitutional Debates

Philosophy of the Constitution :- Preamble, Fundamental Rights, Directive Principles

Constitutionalism in India :- Democracy, Social Change, National Unity, Checks and Balances, Basic Structure Debate, Constitutional Amendments

Union Executive :- President, Prime Minister and Council of Ministers

Union Parliament :- Structure, Role and Functioning, Parliamentary Committees

Judiciary :- Supreme Court, High Court, Judicial Review, Judicial Activism, Judicial Reform.
 
Executive and Legislature in the States : Governor, Chief Minister, State Legislature

Federalism in India :- Strong Centre Framework, Asymmetrical Federal Provisions and Adaption, Role of Intergovernmental Coordination Mechanisms, Inter-State Council, Emerging Trends.

Electoral Process and Election Commission of India :- Conduct of Elections, Rules, Electoral Reforms.

Local Government Institutions :- Functioning and reforms. 

Constitutional and Statutory Bodies :- Comptroller and Auditor General, National Commission for Scheduled Castes, National Commission for Scheduled Tribes, National Commission for Human Rights, National Commission for Women, National Commission for Minorities.

Unit - 8 :- Political Processes in India 

State, Economy and Development :- Nature of Indian State, Development Planning model, New Economic Policy, Growth and Human Development.

Process of globalisation :- social and economic implications.

Identity Politics :- Religion, Tribe, Caste, Region, Language.

Social Movements :- Dalit, Tribal, Women, Farmers, labour

Civil Society Groups :- Non-Party Social Formations, Non Governmental Organisations, Social Action Groups.

Regionalisation of Indian Politics :- Reorganisation of Indian States, States as Political and Economic Units, Sub-State Regions, Regional disparities, Demand
for New States,

Gender and Politics in India :- Issues of Equality and Representation.

Ideology and Social basis of Political Parties :- National Parties, State Parties.

Electoral Politics :- Participation, Contestation, Representation, Emerging trends.

Unit - 9 : Public Administration

Public Administration :- meaning and evolution; public and private administration 
Approaches : System Theory, Decision Making, Ecological Approach 

Public administration theories and concepts :- Scientific Management Theory, Rational Choice theory, New Public Administration, Development Administration, Comparative Public Administration, New Public Management, changing nature of Public Administration in the era of liberalisation and Globalisation

Theories and Principles of Organization :- Scientific Management Theory, Bureaucratic Theory, Human Relations Theory

Managing the organization :- Theories of leadership and motivation.

Organisational Communication :- Theories and Principles, Chester Bernard Principles of Communication, Information Management in the organization

Managing Conflict in the Organization :- Mary Parker Follett

Management by Objectives- Peter Drucker

Unit – 10 :- Governance and Public Policy in India

Governance, good governance and democratic governance, role of state, civil society and individuals.

Accountability and control :- Institutional mechanism for checks and balances, legislative control over executive, administrative and budgetary control, control through parliamentary committees, judicial control over legislature and executive, administrative culture, corruption and administrative reforms

Institutional mechanisms for good governance :- Right to Information, Consumer Protection Act, Citizen Charter; Grievance redress system: Ombudsman, Lokpal, Lokayukta 

Grassroots Governance :- Panchayati Raj Institutions and their functioning

Planning and Development :- Decentralised planning, planning for development, sustainable development, participatory development, e-governance; NITI Aayog

Public policy as an instrument of socio-economic development :- public policies with special reference to housing, health, drinking water, food security, MNREGA, NHRM, RTE

Monitoring and evaluation of public policy; mechanisms of making governance process accountable :- jansunwai, social audit.
















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Friday, March 17, 2023

Personal loan of up to ₹5 lacs by Fibe (Formerly EarlySalary)


Personal loan of up to ₹5 lacs by Fibe (Formerly EarlySalary)


We got your cash needs covered. Get approved on Fibe with 3 to 24 month flexible EMI options, minimum documentation, low interest rates starting 12%p.a.* and ZERO foreclosure charges.

Get a Personal Loan of up to ₹5 lacs and repay on your own terms. Effortless application. Takes just 10 mins to apply.

Get instant cash transferred to your bank account in minutes.

Loan in 10 mins

Low interest rate

100% digital process

Eligibility Criteria
:- Min Salary ₹18,000
:- For salaried individuals
:- Age: 21-55 years

App Downloads :- 10MN+
Loans Given :- 4MN+
Money Disbursed :- ₹10,000+ Crores
Happy Customers :- 15 Lacs+
Corporate Tie-ups :- 5,000+

Personal Loan Fees & Charges

Here’s an example on how a personal loan from Fibe (Formerly EarlySalary) works :-

Loan amount :- ₹ 50,000

Processing fee (2% of loan amount * 18% GST) : ₹ 1,180
Total Loan amount :- ₹ 51,180

Interest :- 24% p.a. (on reducing principal balance interest calculation)

Tenure :- 12 months

Your EMI :- ₹ 4,840

Total Amount to be paid :- ₹ 4,840 x 12 = ₹ 58,075

Total interest paid :- ₹ 58,075 - ₹ 51,180 = ₹ 6,895

Total cost of loan :- ₹ 6,895 + ₹ 1,180 = ₹ 8,075

APR (Annual Percentage Rate) :- 28.58%



Steps :-
(1) Register :- Sign up with your mobile number
(2) Apply :- Fill in a few details
(3) Instant Approval :- Know your approved limit
(4) Transfer Money :- One click transfer to your bank

Flipkart Axis Bank Credit Card

Apply Now :- https://ekaro.in/enkr20230317s22531010


Flipkart Axis Bank Credit Card




Apply Now :- https://ekaro.in/enkr20230317s22531010


Flipkart Axis Bank Credit Card unlocks a world where it rains cashback with every transaction. With accelerated cashback across all your favorite categories including travel, shopping, entertainment and lifestyle, there’s no limit to what you can earn with this card.



Unlimited Cashback

Welcome Benefits

Complimentary airport lounge access

Fuel Surcharge Waiver


Apply Now :- https://ekaro.in/enkr20230317s22531010


Welcome Benefits :- Rs. 1100 worth of joining and activation benefits on your Flipkart Axis Bank Credit Card. Please visit the Welcome benefits section to know all about these benefits. 

For terms and conditions, click here


Cashback with every transaction


:- 5% cashback on Flipkart & Myntra

:- 4% cashback on Preferred Merchants. Click here for a list of Preferred Merchants

:- 1.5% cashback on all other categories

:- Cashback will be directly credited in your credit card statement

:- For Terms & Conditions, Click here

:- For terms & conditions for preferred partners, click here


Airport Lounge Access :- Enjoy 4 complimentary lounge visits to select airport lounges within India per calendar year with your Flipkart Axis Bank Credit Card.


For Master card click here for the T&C's


For Visa card click here for the T&C's


Fuel Surcharge Waiver :-

Get 1% fuel surcharge waiver on fuel purchases at all fuel stations across India

Valid on transactions between Rs 400 and Rs 4000 only; maxium benefits up to 400* per statement cycle

GST charged on fuel surcharge is non-refundable

No cashback is earned on fuel transactions


Dining Delights :-

Indulge in delectable cuisines with Axis Bank Dining Delights offering up to 20% off at partner restaurants in India.

Click here for the updated list of restaurants affliliated to the dining delights


Welcome Benefits :- Your Flipkart Axis Bank credit card comes with a host of welcome and activation benefits. Listed below are the offers and their respective TnCs.


Flipkart :- Rs. 500 worth Flipkart vouchers on your first transaction with your Flipkart Axis Bank credit card. For terms and conditions, click here


Myntra :- 15% cashback up to Rs. 500 on your first transaction on Myntra using Flipkart Axis Bank credit card. For terms and conditions, click here


Swiggy :- 50% instant discount up to Rs.100 on 1st Swiggy order. Use code "AXISFKNEW”. For terms and conditions, click hereFor terms and conditions, click here


Eligibility and Documentation :- 


ndividuals eligible for Flipkart Axis Bank Credit Card:


Primary cardholder should be between the age of 18 and 70 years


The individual should either be a Resident of India or a Non-Resident Indian


Please note that these criteria are only indicative and the bank reserves the ultimate right to approve or decline applications for Flipkart Axis Bank Credit Card.


Apply Now :- https://ekaro.in/enkr20230317s22531010


Documents for Flipkart Axis Bank Credit Card application :-


Unless there are case variations, the required documents for Flipkart Axis Bank Credit Card application include a copy of your PAN card or Form 60, residence proof, identity proof, a colour photograph and proof of income in the form of latest payslip / Form 16 / IT return copy.


Keep your documents for Flipkart Axis Bank Credit Card ready


The following documents are required :-


PAN card photocopy or Form 60

Colour photograph

Latest payslip/Form 16/IT return copy as proof of income

Residence proof (any one of the following):

Passport

Ration Card

Electricity bill

Landline telephone bill

Identity proof (any one of the following):

Passport

Driving license

PAN card

Aadhaar card

Please note that this list is only indicative. Documents required may vary on a case-to-case basis.


Disclaimer :- The credit card decision would be communicated within 21 working days


Fees & Charges - Flipkart Axis Bank Credit Card


The Flipkart Axis Bank Credit Card fees and charges are listed in the table below :-


Joining fee :- Rs. 500


Annual Fee :- 2nd year Onwards : Rs. 500 

Annual fee waived off on annual spends greater than Rs. 2,00,000.


Add-on card joining fee :- Nil


Add-on card annual fee :- Nil


Card replacement fee (w.e.f 10/10/20) :- Nil


Cash payment fee :- Rs.100


Duplicate Statement fee :- Waived


Charge slip retrieval fee or copy request fee :- Waived


Outstation cheque fee :- Waived


Apply Now :- https://ekaro.in/enkr20230317s22531010


Mobile alerts for transactions :- Free


Hotlisting charges :- Nil


Balance enquiry charges :- Free


Finance charges (Retail purchases and cash) :- 3.6% per month (52.86% per annum)


Cash withdrawal fees :- 2.5% (Min. Rs. 500) of the cash amount


Overdue Penalty or Late Payment Fees :-

Nil if Total Payment Due is less than Rs. 500

Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000

Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000

Rs. 1200 if total payment due is greater than Rs.10,000


Over limit penalty :- 2.5% of the over limit amount (Min Rs. 500)


Cheque return or dishonor fee or auto-debit reversal :- 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,507


Surcharge on purchase or cancellation of railway tickets :- As prescribed by IRCTC/Indian Railways


Foreign currency transaction fee :- 3.5% of the transaction value


Reward Redemption fee :- No


Rent Transaction fee (Applicable from 5th March 2023) :- 1% capped at INR 1,500 per transaction on rental transactions


Dynamic Currency Conversion markup (Applicable from 5th March 2023) :- 1% on International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation


For all above fees and charges, taxes as per Government norms shall be applicable


For card member agreement, click here


 For terms & conditions, click here


Frequently Asked Questions (FAQs)


Q. What is a Credit Card?

A credit card is an instrument to help you make instant credit based transactions.

Unlike debit cards which are linked to your bank accounts and debit the corresponding amount for every transaction, credit cards offer you the flexibility to make transactions on credit independent of your account balance. These amounts however are repayable at the end of a pre-specified credit period, and each credit card involves a credit limit beyond which transactions cannot be made.


Apply Now :- https://ekaro.in/enkr20230317s22531010


Q. How to Apply for a Credit Card?

You can apply for credit card with Axis Bank :-


:- Online by checking out Axis Bank credit cards

:- By getting in touch with your relationship manager

:- Or visiting your nearest Axis Bank branch


Q. How to check Credit Card Eligibility?

To be eligible for a credit card with Axis Bank :-


:- You must be over 18 years of age

:- You must be a resident of India

:- In case you are the primary card holder, you must have a regular source of income.


While these are the general conditions to avail of a credit card additional criteria may exist depending upon the type of credit card you choose. You can browse through the list of Credit Cards offered by Axis Bank here and apply for credit card that best suits your needs.


Q. What are the benefits of an Axis Bank Credit Card?

Axis Bank Credit Cards are designed keeping in mind the various uses and lifestyles customers may adhere to. With exclusive benefits on transaction for food, travel, e-commerce and or a combination of these.

Some advantages of Axis Bank credit cards include :-


:- Complementary flight tickets

:- Discounts on movie tickets

:- Waiver of fuel surcharges

:- Access to airport lounges

:- Discounted deals on hotel bookings and restaurant orders


Q. What is a credit card limit?

The credit card limit, also known as the credit limit, is the limit assigned to the cardholder by the bank or fixed by the issuing company. This indicates the maximum amount one can spend on their credit card and is determined on the basis of the credit score given by the credit rating agency TransUnion CIBIL Ltd. (Credit Information Bureau (India) Limited).


It is important to note that the total outstanding or the total transactions made through this card, which also include the associated fees and charges, should not be above the credit limit.


As a first-time user of a credit card, you will receive a lower credit limit considering that the bank is not familiar with your spending pattern and your ability to make your credit card bill payment.


Q. What is the minimum credit score for a credit card?

The credit score of a credit card reflects the creditworthiness of the cardholder. This means if you make purchases or transactions with your credit card and settle the credit card bill payment by the due date, your credit score will be high.


As per the credit rating agency, TransUnion CIBIL Ltd. (Credit Information Bureau (India) Limited), try and maintain a minimum credit score of 750 to ensure better offers and quicker approval on new credit cards. On the other hand, a CIBIL score of 900 indicates high creditworthiness, and such a score will enable you to get better benefits when it comes to your credit card.


The CIBIL score, as it is called, is an important criterion that will be considered by your bank or the credit card company before they issue a new credit card to you.


However, it is important to note that the credit score may be subject to changes periodically.


Q. Do credit cards come with any airport lounge benefits?

Yes, there are many credit cards that let you enjoy credit card rewards such as airport lounge benefits such as airline customer service, free Wi-Fi connection, comfortable seating arrangements and refreshments while you wait for your boarding call. It is advised that you check the product features of your credit card to know more about these benefits.


While some of these services may be free of cost, other benefits may incur additional charges based on the terms and conditions of your bank or credit card company.


Under the Axis Bank Airport Lounge Access Program, there are different types of credit cards that offer limited or unlimited complimentary airport lounge access across different cities on domestic and international flights. However, Axis Bank does not guarantee the benefits and privileges at the participating airport lounges, which may be subject to the guidelines of the airport management.


Q. What does "minimum due" mean on a credit card statement?

Each month, when you receive your credit card statement, you need to make the credit card bill payment to avoid any penalties. However, to ease out the process, you are required to pay a "minimum amount" before the due date so that a late fee is not levied. Once this amount has been paid, interest rates will be charged on the pending amount.


To ensure that you do not have to face the hassle of late payment fees, ensure that you pay the total amount instead of the minimum amount before the due date.


Q. Does my credit card number change when I renew?

Your credit card should be used for digital payments as and when you need to use it. However, it is not compulsory to use your credit card each month. Furthermore, your credit card will not be cancelled in case you do not make payments on the card for a particular month.


However, there will be applicable annual fees that you may be required to pay if you don’t use your credit card for a long time.


Q. What should I do when my credit card is lost?

In case you happen to lose your credit card or if it is stolen, immediately access your mobile banking application or log in to your internet banking account to block your credit card. Alternatively, you can also reach out to the customer care of your bank or credit card company to inform them of the loss so that they can block your credit card soon.


Q. Can I get Credit Card Online?

Yes, you can apply for credit card online on the Axis Bank website. Once you provide your details such as mobile phone number, income, PAN Number, etc. (for a new customer). The card limit will be fixed based on your income number. You can also apply using the Axis mobile app.


Q. Can I use credit card for international transactions?

If the card is an international credit card, it can be used for transactions – both online and offline. Using your Axis mobile app, you also have the option to switch off the feature or decide what kinds of transactions it can be used for. For instance, you can choose to use it only for online shopping but not at POS or ATMs, and so on.


Q. How to set credit card limit?

The overall credit limit is decided based on the type of card you hold. In addition, you can also set the limit you want for each kind of transaction, such as online, POS, ATM, Tap and Pay. You can also set separate limit for international transactions, if you hold an international credit card.


Apply Now :- https://ekaro.in/enkr20230317s22531010


Q. How can I redeem my Axis Bank credit card points?

You can redeem your Axis Bank credit card points against the EDGE loyalty rewards catalogue. The number of points you earn will vary based on the type of credit card you hold. You can also earn higher reward points for transactions with partner brands of Axis Bank credit cards.


Q. What are the terms and conditions associated with Credit Cards?

For terms and conditions associated with Axis Bank Credit Cards, please click here.


(CONTACT AXIS BANK)


Call :- 1800-419-5959

SMS BAL to 56161600 or +918691000002 to get your Account Balance


Call :- 1800-419-6969

SMS MINI to 56161600 or +918691000002 to get your Mini Statement


Follow us on :- 



Axis Bank Vistara Signature Credit Card

 



Apply Now :- https://ekaro.in/enkr20230316s22523875


Credit Card - Axis Bank


Axis Bank Vistara Signature Credit Card


Axis Bank Vistara Signature Credit Card gives customers a complimentary Club Vistara Silver membership. The benefits of Axis Bank Vistara Signature Credit Card include a complimentary premium economy ticket, on fee payment. Customers shall earn Club Vistara points on eligible spends and stand a chance to win up to four premium economy tickets on achieving milestone spends.


Welcome Privileges

Vistara Privileges

Fly Free Faster

Milestone Privileges


(Features and Benefits) 


Welcome aboard with complimentary Premium Economy ticket :- Get a complimentary Premium Economy ticket voucher as a welcome gift on fee payment. Continue to enjoy this benefit on renewal of your Credit Card membership every year. Click here for T&C.


Complimentary Club Vistara Membership :- Enjoy privileges of complimentary Club Vistara Silver Membership such as priority check-in and additional baggage allowance, on fee payment. Club Vistara Silver Membership will be issued within 10 working days of joining/annual fee payment.

Accure Club Vistara Points on every swipe :- Earn 4 CV Points* for every Rs 200 spent on the Axis Bank Vistara Signature Credit Card and redeem for upgrades & award flights. For options to redeem points, Click here.

For T&C's click here.


Lifestyle Privilages :- Complimentary Lounge Access at select airports within India. To view the list of participating Vistara lounge, Click here.


Explore curated experiences from across the world with Extraordinary weekends


Avail 25% off up to Rs. 800 at our partner restaurants across the country with Axis Bank EazyDinner. Visit https://dining.eazydiner.com/axisbank to know more.


Get 3 complimentary rounds of golf at some of India's most picturesque destinations. For details, click here


Insurance Benefits :- Purchase Protection Cover up to Rs. 1 lakh

Cover upto USD 300 for the following :-

Loss of Travel documents

Delay of Check-in Baggage

Loss of Check-in Baggage


*Terms and Conditions apply. Click here for detailed Cover and Claim Procedure.


Convert purchase to EMI :- On any trancation over Rs. 2,500, contact the Bank to convet a big credit card purchase into EMIs

To Know more, click here


24X7 Dedicated Concierge Desk 


Assistance is available on Flight booking, Table reservation, exclusive events/shows, gift delivery and so much more. Experience a world with a dedicated concierge desk, now just a phone-call. Click here for details. 




Apply Now :- https://ekaro.in/enkr20230316s22523875


Eligibility for Axis Bank Vistara Signature Credit Card :- includes an age limit for primary (18 – 70 years of age) applicants. Applicants need to be residents of India with an income of above Rs. 6,00,000 per annum.


Eligibility


Individuals eligible for Axis Bank Vistara Signature Credit Card:-


Primary cardholder should be 18-70 years of age


Net income should be minimum INR 6,00,000 per annum


Applicant should be a resident of India


The above criteria are only indicative. Approval of application is at the sole discretion of the Bank.


Documents Required :-


PAN card photocopy or Form 60


Proof of income :- latest payslip / Form 16 / IT return


Residence proof (any one of the following)

Passport

Driving License

Ration Card

Electricity bill

Landline telephone bill


The above list is only indicative. Documents required may vary on a case-to-case basis


Apply Now :- https://ekaro.in/enkr20230316s22523875


Fees & Charges for Axis Bank Vistara Signature Credit Card


(Vistara Signature)


Standard Joining Fee :- Rs. 3,000

Standard Annual Fee (2nd year onwards) :- Rs. 3,000

Standard Add-on Card Joining Fee :- Nil

Standard Add-on Card Annual Fee :- Nil

Finance Charges (Retail Purchases & Cash) :- 3.6% per month (52.86% per annum)

Cash Withdrawal Fees :- 2.5% (Min. INR 500) of the Cash Amount

Fee for Cash Payment :- INR 100/-

Card Replacement :- Nil

Duplicate Statement Fee :- Waived


(Overdue Penalty or Late Payment Fee)

:- Nil if Total Payment Due is less than Rs. 500

:- Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000

:- Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000

:- Rs. 1200 if total payment due is greater than Rs.10,000


Chargeslip Retrieval Fee or Copy Request Fee :- Waived


Outstation Cheque Fee :- Waived


Cheque return or dishonour Fee or Auto-debit ReveINRal :- 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,514


Surcharge on purchase or cancellation of Railway Tickets :- As prescribed by IRCTC/Indian Railways


Fuel Transaction Surcharge :- 1% of transaction amount 

Foreign Currency Transaction Fee :- 3.50% of the transaction value


Mobile Alerts for Transactions :- Waived

Hotlisting Charges :- Waived

Balance Enquiry Charges :- Waived


Reward Redemption fee :- No


If you have applied for a credit card with Axis Bank, click here to know your application status.





Apply Now :- https://ekaro.in/enkr20230316s22523875


Frequently Asked Questions (FAQs)


Q. What is a Credit Card?

A credit card is an instrument to help you make instant credit based transactions.

Unlike debit cards which are linked to your bank accounts and debit the corresponding amount for every transaction, credit cards offer you the flexibility to make transactions on credit independent of your account balance. These amounts however are repayable at the end of a pre-specified credit period, and each credit card involves a credit limit beyond which transactions cannot be made.


Q. How to Apply for a Credit Card?

You can apply for credit card with Axis Bank :-


:- Online by checking out Axis Bank credit cards

:- By getting in touch with your relationship manager

:- Or visiting your nearest Axis Bank branch


Q. How to check Credit Card Eligibility?

To be eligible for a credit card with Axis Bank :-


:- You must be over 18 years of age

:- You must be a resident of India

:- In case you are the primary card holder, you must have a regular source of income.


While these are the general conditions to avail of a credit card additional criteria may exist depending upon the type of credit card you choose. You can browse through the list of Credit Cards offered by Axis Bank here and apply for credit card that best suits your needs.


Q. What are the benefits of an Axis Bank Credit Card?

Axis Bank Credit Cards are designed keeping in mind the various uses and lifestyles customers may adhere to. With exclusive benefits on transaction for food, travel, e-commerce and or a combination of these.

Some advantages of Axis Bank credit cards include :-


:- Complementary flight tickets

:- Discounts on movie tickets

:- Waiver of fuel surcharges

:- Access to airport lounges

:- Discounted deals on hotel bookings and restaurant orders


Q. What is a credit card limit?

The credit card limit, also known as the credit limit, is the limit assigned to the cardholder by the bank or fixed by the issuing company. This indicates the maximum amount one can spend on their credit card and is determined on the basis of the credit score given by the credit rating agency TransUnion CIBIL Ltd. (Credit Information Bureau (India) Limited).


It is important to note that the total outstanding or the total transactions made through this card, which also include the associated fees and charges, should not be above the credit limit.


As a first-time user of a credit card, you will receive a lower credit limit considering that the bank is not familiar with your spending pattern and your ability to make your credit card bill payment.


Apply Now :- https://ekaro.in/enkr20230316s22523875


Q. What is the minimum credit score for a credit card?

The credit score of a credit card reflects the creditworthiness of the cardholder. This means if you make purchases or transactions with your credit card and settle the credit card bill payment by the due date, your credit score will be high.


As per the credit rating agency, TransUnion CIBIL Ltd. (Credit Information Bureau (India) Limited), try and maintain a minimum credit score of 750 to ensure better offers and quicker approval on new credit cards. On the other hand, a CIBIL score of 900 indicates high creditworthiness, and such a score will enable you to get better benefits when it comes to your credit card.


The CIBIL score, as it is called, is an important criterion that will be considered by your bank or the credit card company before they issue a new credit card to you.


However, it is important to note that the credit score may be subject to changes periodically.


Q. Do credit cards come with any airport lounge benefits?

Yes, there are many credit cards that let you enjoy credit card rewards such as airport lounge benefits such as airline customer service, free Wi-Fi connection, comfortable seating arrangements and refreshments while you wait for your boarding call. It is advised that you check the product features of your credit card to know more about these benefits.


While some of these services may be free of cost, other benefits may incur additional charges based on the terms and conditions of your bank or credit card company.


Under the Axis Bank Airport Lounge Access Program, there are different types of credit cards that offer limited or unlimited complimentary airport lounge access across different cities on domestic and international flights. However, Axis Bank does not guarantee the benefits and privileges at the participating airport lounges, which may be subject to the guidelines of the airport management.


Q. What does "minimum due" mean on a credit card statement?

Each month, when you receive your credit card statement, you need to make the credit card bill payment to avoid any penalties. However, to ease out the process, you are required to pay a "minimum amount" before the due date so that a late fee is not levied. Once this amount has been paid, interest rates will be charged on the pending amount.


To ensure that you do not have to face the hassle of late payment fees, ensure that you pay the total amount instead of the minimum amount before the due date.


Q. Does my credit card number change when I renew?

Your credit card should be used for digital payments as and when you need to use it. However, it is not compulsory to use your credit card each month. Furthermore, your credit card will not be cancelled in case you do not make payments on the card for a particular month.


However, there will be applicable annual fees that you may be required to pay if you don’t use your credit card for a long time.


Q. What should I do when my credit card is lost?

In case you happen to lose your credit card or if it is stolen, immediately access your mobile banking application or log in to your internet banking account to block your credit card. Alternatively, you can also reach out to the customer care of your bank or credit card company to inform them of the loss so that they can block your credit card soon.


Q. Can I get Credit Card Online?

Yes, you can apply for credit card online on the Axis Bank website. Once you provide your details such as mobile phone number, income, PAN Number, etc. (for a new customer). The card limit will be fixed based on your income number. You can also apply using the Axis mobile app.


Q. Can I use credit card for international transactions?

If the card is an international credit card, it can be used for transactions – both online and offline. Using your Axis mobile app, you also have the option to switch off the feature or decide what kinds of transactions it can be used for. For instance, you can choose to use it only for online shopping but not at POS or ATMs, and so on.


Q. How to set credit card limit?

The overall credit limit is decided based on the type of card you hold. In addition, you can also set the limit you want for each kind of transaction, such as online, POS, ATM, Tap and Pay. You can also set separate limit for international transactions, if you hold an international credit card.


Q. How can I redeem my Axis Bank credit card points?

You can redeem your Axis Bank credit card points against the EDGE loyalty rewards catalogue. The number of points you earn will vary based on the type of credit card you hold. You can also earn higher reward points for transactions with partner brands of Axis Bank credit cards.


Q. What are the terms and conditions associated with Credit Cards?

For terms and conditions associated with Axis Bank Credit Cards, please click here.


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