PM Vidyalaxmi scheme
Published On:
The PM Vidyalaxmi scheme is a central sector scheme approved by the union cabinet, which aims at furnishing fiscal support to meritorious scholars pursuing advanced education ¹. The scheme has several factors and benefits that make it such a seductive option for scholars.
Factors of the PM Vidyalaxmi Scheme
• No collateral loans:- scholars can borrow loans that fully carry the cost of education and expenses incurred without a lien or sponsors.
•Credit Guarantee:- For loans up to Rs 7.5 lakh, the government offers 75 credit guarantee so that banks can advance to a larger number of scholars.
• Interest annuity:- scholars from families with an periodic income of over to Rs 8 lakh are eligible for a 3 interest annuity on loans up to Rs 10 lakh during the doldrums period .
Benefits of the PM Vidyalaxmi Scheme
•Easy access to higher education facilities :- The scheme offers the financial aid to the meritorious scholars who can avail the higher education without any fiscal burden .
•Ease of operation process:- The scheme has a single-window system through which students can apply for the education loans and interest annuity in a simplified manner.
•Priority to disadvantaged scholars:-The scheme has precedence for students from disadvantaged backgrounds, of which some students are from government institutions and following postgraduate or professional courses ³.
Conclusion
The PM Vidyalaxmi scheme is a major policy from the government towards providing financial assistance to meritorious scholars who pursue advanced education.
Social media and public
Social media has actually changed the ways we relate to republic, but its impression is a double- whisked brand.
On the one hand, social media has normalized information to the extent that citizens can pierce a large array of news sources as well as engage in public converse.
1. False news:-social media has also been accused of contributing to the spread of false information, propaganda, and hateful speech, which can actually erode popular institutions and processes .
2.Check and balance:-The absence of control and fact-checking measures on social media sites has opened up a ground where fake news can quickly thrive, often with disastrous results.
3.Biased:-On the other hand, social media has been accused of preserving echo chambers, in which individualities only interact with information that confirms their being impulses ¹.
4.Polarization:-This may lead to political polarization and degradation of civil converse.
So, what can be done to alleviate the negative impacts of social media on republic?
Solution
1.Regulation:- Governments and nonsupervisory bodies have to take action to regulate social media platforms and ensure that they are responsible for the content they host .
2.Media knowledge:- Teaching citizens how to critically estimate online information and spotting misinformation is crucial in establishing a healthy republic.
3. Fact- Checking:- Independent fact- checking associations and enterprise can help combat the spread of misinformation on social media .
4. Promoting Diversity and Addition:- Social media platforms must make way for diversity and addition, and must also assist in the spreading of hate speech and discriminative content ¹.
In conclusion, social media has both empowered and risked republic. While it has normalized information and eased rallying, it has also spread misinformation, propaganda, and detest speech.
SEBI and it's regulation
What's SEBI?
The Securities and Exchange Board of India (SEBI) is the major regulator of the securities request in India. It was formed in 1992 to safeguard the interest of investors and further the development of the securities request.
Part of SEBI
1.Regulation:-SEBI regulates the securities request, including stock exchanges, brokers, and other request interposers.
2. Investor Protection:- SEBI protects the interests of investors by icing that companies misbehave with exposure conditions and other regulations.
3. Market Development:-SEBI promotes the development of the securities request by introducing new products and services.
4.Enforcement:- SEBI enforces securities laws and regulations, and takes action against realities that violate them.
Issues faced by SEBI
1.Resale Manipulation:- SEBI has difficulties in preventing resale manipulation, including insider trading and price manipulation.
2.Commercial Governance:-SEBI is required to ensure companies misbehave with commercial governance values, including disclosure requirements and shareholders' rights.
3.Investor Education:-SEBI is required to educate investors about the dangers and benefits of investment in the request for securities.
4.Technological Challenges:- SEBI faces difficulties to match up with the technological change of artificial intelligence and blockchain implementation in the securities request.
Solution
1.Strengthening Regulations:-SEBI can strengthen regulations to help request manipulation and insure commercial governance.
2.Investor Education:-SEBI can launch investor education programs to educate investors about the pitfalls and benefits of investing in the securities request.
3. Technological Upgradation:- SEBI can upgrade its technology structure to keep pace with technological advancements in the securities request.
4. International Cooperation:-SEBI can unite with transnational nonsupervisory bodies to address global challenges facing the securities request.
Recent enterprise
1.SEBI's Regulatory Sandbox, SEBI has introduced an unsupervised sandbox to oil innovation in the securities request.
2., SEBI's Investor Charter, SEBI has introduced an investor duty to sensitize investors of their rights and liabilities.
In a word, SEBI plays a critical role in regulating securities requests in India. Despite the presence of various challenges, it has been taking various enterprise measures to strengthen the regulations, educate investors, and upgrade its technology structure.
