Chetna Scheme

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•The Chetna Scheme is to empower the individual, especially people residing in rural areas and provide people with knowledge, banking facilities, financial services, significance of saving money, or managing money effectively.

•As a result, enhancing the nation's financial education, one can make perfect decisions by taking the lead and choosing the right paths in various financial matters, especially involving bank services, and other sorts of digital finance services available.

• Initiative works with financial institutions, especially public sector banks and rural local banks to promote provision of banking services in more reasonable way that contributes towards use of formal financial system and also towards use of a formal financial system. Work on the introduction of.

PAN 2.0

• PAN 2.0 makes the application process for a PAN card easy and connected to your Aadhaar number. This does not require any physical documents; therefore, it is easy.

 • The programme is designed to utilize digital technology and offer an online paperless process for applying for a PAN. The applicant verifies identity and address digitally with Aadhaar, thus removing much of the paperwork and shortening the processing time.

• The PAN 2.0 initiative aims at increasing financial inclusion, enabling people, especially in distant areas, to easily achieve the PAN that allows people to access various financial services such as opening a bank account, filing income tax returns, investing, and so on.

Threats to Aquaculture

• Aquaculture poses a threat to the existence of pollution, habitat loss, and disease. Overcrowding in fish farms leads to the accumulation of waste, which can deteriorate surrounding water quality and have a negative impact on aquatic ecosystems. Moreover, invasive species can destroy native biodiversity.

 •The high-density growing conditions of aquaculture promote the rapid spread of diseases, leading to the use of antibiotics and chemicals. This also harms aquatic animal health, encourages antibiotic resistant bacteria development that threatens fish, as well as both aquatic and human health, to some extent.

• Large industrial aquaculture will ruin local fishing by wiping out wild stocks, distorting local economies and engaging conflicts over water and more. Access to fishing grounds could be denied to small-scale fishers, and the price of farmed fish may also be affected by market conditions.