UPSC Prelims Bits For Today (August 12, 2022)


UPSC Prelims Bits For Today” is every day published in the morning between 11:00 AM to 12:00 Noon and contains selective current affairs articles. ”UPSC Prelims Bits For Today” covers various topics from UPSC Prelims Syllabus and is very helpful and time managing for UPSC Aspirants. The framing of this daily current affairs compilation article is easy to read and understandable also.

In the ”UPSC Prelims Bits For Todayarticle, we focus on UPSC Preliminary exam-oriented current affairs covering various sections from leading National Newspapers, PIB, and other various official sources.

Digital Lending Rules of RBI


  • Reserve Bank of India has issued detailed guidelines for digital lending according to which digital loans must be credited directly to the bank accounts of borrowers and not through any third party.
  • RBI also said that digital lending entities and not the borrowers should pay fees or charges payable to Lending Service Providers in the credit intermediation process.
  • While issuing these guidelines RBI mentioned concerns primarily related to unbridled engagement of third parties, mis-selling, breach of data privacy, unfair business conduct, charging of exorbitant interest rates, and unethical recovery practices.


Brief Intro Of Arunachal Pradesh


  • Arunachal Pradesh is a northeastern state of India.
  • Arunachal is also called the land of the rising sun.
  • It is the largest of the northeastern states.
  • Arunachal Pradesh was made a union territory in 1972.
  • On 20 February 1987, Arunachal Pradesh got full state status along with Manipur.
  • Its capital is Itanagar.
  • The main spoken language of the state is Hindi.


‘UN and Global Terrorism’


  • Terrorism has been a threat not only to India’s democracy but countries worldwide affecting almost every sphere of human life, be it economic or political or social.
  • At a recent meeting of the UN Security Council, India’s Permanent Representative to the UN Ambassador Ruchira Kamboj said that the practice of placing holds and blocks on listing requests without giving any justification must end.
  • As the Chair of the Counter-Terrorism Committee India will be hosting a Special session in Mumbai and Delhi on 28-29 October this year, highlighting the nature of this threat, member states’ capacity gaps and best practices, and exploring further course of action to effectively deal with this threat.


Mass Bleaching Event Hits The Great Barrier Reef


About The Great Barrier Reef

  • The Great Barrier Reef of Australia, located off the country’s northeastern coast, contains the world’s largest collection of coral reefs.
  • Stretching over 2,300km (1,400 miles) off Australia’s north-east coast, the Great Barrier Reef is one of the most biodiverse ecosystems in the world.
  • The Great Barrier Reef has been World Heritage-listed for 40 years due to its “enormous scientific and intrinsic importance” as one of the most biodiverse ecosystems in the world.
  • The reef has also been damaged by coral-eating crown-of-thorns starfish and tropical cyclones which generate damaging waves.

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What is a Mass Bleaching Event?

  • Bleaching occurs when corals stressed by warm water temperatures expel the algae living within them that gives them colour and life.
  • Only two mass bleaching events had ever been recorded before 2016.
  • This year’s bleaching event was the first to occur during a La Niña, a weather phenomenon which typically brings cooler water temperatures.
  • The first mass bleaching event was seen in 1998. It was again observed in 2002, 2016, 2017 and 2020.

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