16 September 2026 Current Affairs: 56 MCQs on Vishwakarma, Housing and Janaushadhi

1. PM Vishwakarma was launched on which date?

A. 1 January 2024

B. 16 September 2026

C. 17 September 2019

D. 17 September 2023

Correct answer: D. 17 September 2023

2. Identify the three pillars of PM Vishwakarma.

A. Tax, Trade and Tourism

B. Samman, Samarthya and Samriddhi

C. Housing, Roads and Railways

D. Security, Silicon and Storage

Correct answer: B. Samman, Samarthya and Samriddhi

3. Match the scheme with its outlay and duration.

A. ₹76,000 crore for 2021–22 only

B. ₹13,000 crore for FY2023–24 to FY2027–28

C. ₹1,27,500 crore for 2026–27 only

D. ₹3 lakh for ten years

Correct answer: B. ₹13,000 crore for FY2023–24 to FY2027–28

4. Which applicant best fits the scheme’s target group, assuming other conditions are met?

A. Any government employee automatically

B. An adult self-employed traditional artisan working with hands and tools

C. Only large industrial companies

D. Only salaried software managers

Correct answer: B. An adult self-employed traditional artisan working with hands and tools

5. How many traditional trades are covered, and what is the minimum applicant age?

A. 30 trades; 21 years

B. 13 trades; 16 years

C. 18 trades; 18 years

D. 18 trades; 40 years

Correct answer: C. 18 trades; 18 years

6. Which group contains only covered traditional occupations?

A. Carpenter, potter, tailor and fishing-net maker

B. Pilot, software engineer, banker and broker

C. Only export consultants

D. Only large factory owners

Correct answer: A. Carpenter, potter, tailor and fishing-net maker

7. After registration and verification, what recognises the artisan under PM Vishwakarma?

A. Certificate and ID card

B. A guaranteed government job

C. Ownership of a factory

D. A passport without application

Correct answer: A. Certificate and ID card

8. Choose the correct basic-training and advanced-training durations.

A. 30 days; 5 days

B. 15 days; exactly 3 days

C. 5–7 days; 15 days or more

D. Both one day

Correct answer: C. 5–7 days; 15 days or more

9. A trainee attends seven eligible training days at ₹500 per day. Calculate the stipend.

A. ₹7,000

B. ₹500

C. ₹15,000

D. ₹3,500

Correct answer: D. ₹3,500

10. What is the maximum stated toolkit incentive?

A. Up to ₹15,000

B. Exactly ₹3 lakh for all

C. Up to ₹1 lakh

D. Up to ₹500

Correct answer: A. Up to ₹15,000

11. Identify the loan-tranche structure under PM Vishwakarma.

A. Only ₹2 lakh with no first tranche

B. ₹15,000 followed by ₹500

C. Up to ₹1 lakh, then up to ₹2 lakh

D. ₹3 lakh in each of two tranches

Correct answer: C. Up to ₹1 lakh, then up to ₹2 lakh

12. Match the loan tenures: first tranche → ______; second tranche → ______.

A. Five years; ten years

B. Seven days; fifteen days

C. 30 months; 18 months

D. 18 months; 30 months

Correct answer: D. 18 months; 30 months

13. What fixed concessional interest rate is charged to the beneficiary?

A. 5%

B. 0% for every loan

C. 8%

D. 13%

Correct answer: A. 5%

14. Which condition is required for the first loan tranche?

A. Ownership of a large factory

B. Completion of basic training

C. A foreign passport

D. Completion of a ten-year degree

Correct answer: B. Completion of basic training

15. Which statement correctly describes second-tranche access?

A. It is linked to satisfactory first-loan repayment and digital adoption or advanced training

B. It is unconditional immediately after registration

C. It replaces all repayment obligations

D. It requires no first loan

Correct answer: A. It is linked to satisfactory first-loan repayment and digital adoption or advanced training

16. An artisan makes 130 eligible digital transactions in one month. At ₹1 per transaction, what maximum incentive applies?

A. ₹130

B. ₹1,000

C. ₹500

D. ₹100

Correct answer: D. ₹100

17. How many family members may receive registration and benefits under this scheme?

A. Every member automatically

B. Unlimited members

C. Only two unmarried children

D. One member

Correct answer: D. One member

18. A former MUDRA borrower has fully repaid the loan. Which reading matches the stated exception?

A. May be eligible, subject to other PM Vishwakarma conditions

B. Permanently excluded despite full repayment

C. Exempt from every verification

D. Automatically receives ₹3 lakh as a grant

Correct answer: A. May be eligible, subject to other PM Vishwakarma conditions

19. Arrange the verification stages after applying through a CSC.

A. Only self-approval

B. District court → passport office → RBI

C. Gram Panchayat/ULB → District Implementation Committee → Screening Committee

D. Screening Committee → bank ATM → school

Correct answer: C. Gram Panchayat/ULB → District Implementation Committee → Screening Committee

20. Udyam Assist onboarding serves which purpose?

A. Replace every bank account

B. Issue housing ownership automatically

C. Make every artisan a government employee

D. Bring informal micro-enterprises into the formal MSME ecosystem

Correct answer: D. Bring informal micro-enterprises into the formal MSME ecosystem

21. Which progress pair is reported as on 15 September 2026?

A. 30 lakh operating factories; 18.16 crore loans

B. 24.37 lakh houses and 18.16 lakh rental units

C. Only 24,370 registrations nationwide

D. Over 24.37 lakh basic-trained; over 18.16 lakh toolkit recipients

Correct answer: D. Over 24.37 lakh basic-trained; over 18.16 lakh toolkit recipients

22. Which credit and digital-progress snapshot is correctly stated?

A. ₹5,316 paid to every artisan; 6.19 crore loans

B. Over 6.19 lakh loans sanctioned worth about ₹5,316 crore; over 8.11 lakh digital-incentive recipients

C. Every registered artisan received the full ₹3 lakh

D. All sanctioned loans are proven fully disbursed

Correct answer: B. Over 6.19 lakh loans sanctioned worth about ₹5,316 crore; over 8.11 lakh digital-incentive recipients

23. Which market-access pairing is correct?

A. OSOP — only banks; AVSAR — only schools

B. OSOP — hospitals; AVSAR — fishing harbours

C. Both are loan-interest rates

D. OSOP — railway stations; AVSAR — airports

Correct answer: D. OSOP — railway stations; AVSAR — airports

24. The IIM Mumbai evaluation found that 93% reported income improvement. What is the correct interpretation?

A. 93% of surveyed beneficiaries reported moderate to significant improvement

B. 93% of all citizens received a loan

C. Every artisan’s income rose by exactly 93%

D. The survey proves identical gains for everyone

Correct answer: A. 93% of surveyed beneficiaries reported moderate to significant improvement

25. Choose the correct beneficiary-story pair from the article.

A. Both are semiconductor-fab owners

B. Villi — basket maker in Nagaland; Darshan Lal — woodcarver in Uttarakhand

C. Villi — pilot in Goa; Darshan Lal — banker in Delhi

D. Both received PMAY rental housing in Kerala

Correct answer: B. Villi — basket maker in Nagaland; Darshan Lal — woodcarver in Uttarakhand

26. PMAY-Urban was launched in which month and year?

A. January 2026

B. June 2015

C. September 2023

D. August 2019

Correct answer: B. June 2015

27. What is PMAY-U’s core housing objective?

A. All-weather pucca homes with basic civic amenities for eligible urban households

B. Only rural irrigation channels

C. Only luxury holiday homes

D. Only commercial office towers

Correct answer: A. All-weather pucca homes with basic civic amenities for eligible urban households

28. The original PMAY-U completion period is extended until which date in the ebook?

A. 31 December 2035

B. 30 September 2026

C. 17 September 2023

D. 31 March 2022 only

Correct answer: B. 30 September 2026

29. Which target and period correctly describe PMAY-U 2.0?

A. Eighteen trades during 2026 only

B. One crore additional urban families during 2024–2029

C. One crore rural roads during 2015–2020

D. Thirty lakh artisans during 2023–2028

Correct answer: B. One crore additional urban families during 2024–2029

30. Which income example falls in EWS under the stated PMAY-U 2.0 criteria?

A. Annual household income ₹12 lakh

B. Annual household income ₹5 lakh

C. Annual household income ₹8 lakh

D. Annual household income ₹2.5 lakh

Correct answer: D. Annual household income ₹2.5 lakh

31. A household earns ₹5 lakh a year. Which stated income band fits?

A. MIG

B. LIG

C. Above all listed bands

D. EWS

Correct answer: B. LIG

32. Under the article’s PMAY-U 2.0 bands, an annual household income of ₹8 lakh belongs to which group?

A. EWS

B. MIG

C. No income category exists

D. LIG

Correct answer: B. MIG

33. Choose the correct four verticals of PMAY-U 2.0.

A. EWS, LIG, MIG and GST

B. BLC, DLI, C2S and PLI

C. UPS, PUE, WUE and API

D. BLC, AHP, ARH and ISS

Correct answer: D. BLC, AHP, ARH and ISS

34. An eligible EWS family owns suitable land and wants to build a home. Which vertical best fits?

A. Beneficiary-Led Construction

B. Only a digital-transaction incentive

C. Design Linked Incentive

D. Affordable Rental Housing only

Correct answer: A. Beneficiary-Led Construction

35. Public or private agencies build affordable homes for eligible EWS buyers. Which vertical is this?

A. Only an artisan toolkit programme

B. Beneficiary-Led Construction only

C. Affordable Rental Housing only

D. Affordable Housing in Partnership

Correct answer: D. Affordable Housing in Partnership

36. A migrant worker needs dignified short-term accommodation and cannot buy a home. Which vertical is most relevant?

A. Affordable Rental Housing

B. Only an export subsidy

C. Only ownership-linked construction

D. Only a toolkit voucher

Correct answer: A. Affordable Rental Housing

37. ISS covers eligible loans sanctioned and disbursed on or after which date?

A. 30 September 2026

B. 17 September 2023

C. 1 January 2015

D. 1 September 2024

Correct answer: D. 1 September 2024

38. What is the maximum ISS subsidy, with the missing unit in the ebook checked against the guidelines?

A. ₹1.80 only

B. ₹1.80 lakh

C. ₹18 lakh

D. ₹2.5 crore

Correct answer: B. ₹1.80 lakh

39. A married couple asks for one house each under the same family eligibility. Which rule is relevant?

A. Both automatically receive separate houses

B. Marriage removes all income conditions

C. Every child receives another house

D. Either spouse or both jointly may avail one eligible house

Correct answer: D. Either spouse or both jointly may avail one eligible house

40. Which ownership principle supports women’s empowerment in PMAY-U?

A. Ownership or co-ownership in the woman beneficiary’s name, subject to applicable rules

B. Only men may own every supported house

C. A tenant automatically owns every rental unit

D. Women may never be joint owners

Correct answer: A. Ownership or co-ownership in the woman beneficiary’s name, subject to applicable rules

41. As on 9 August 2026, what combined PMAY-U and PMAY-U 2.0 progress is reported?

A. Only 8 lakh sanctioned since 2015

B. Exactly one crore newly sanctioned that day

C. 1.25 crore sanctioned; over one crore completed and delivered

D. All 1.25 crore were only rental homes

Correct answer: C. 1.25 crore sanctioned; over one crore completed and delivered

42. Which PMAY-U 2.0 vertical had the largest sanctioned count in the article’s August snapshot?

A. AHP, about 14.40 lakh

B. BLC, about 14.40 lakh

C. ARH, about 18.38 lakh

D. ISS, about one crore

Correct answer: B. BLC, about 14.40 lakh

43. Which set contains PMAY-U’s digital implementation tools?

A. Only gas-pressure meters

B. Unified portal, dashboard and geo-tagging

C. Only chip-fabrication tools

D. Only handwritten notices

Correct answer: B. Unified portal, dashboard and geo-tagging

44. Arrange the five construction-monitoring stages in the article.

A. Completion → foundation → grounding → finishing → superstructure

B. Foundation → completion → grounding → superstructure → finishing

C. Only application → payment

D. Grounding → foundation → superstructure → finishing/external development → completion

Correct answer: D. Grounding → foundation → superstructure → finishing/external development → completion

45. Which technology-support pairing is accurate?

A. TSM — digital artisan payments only; TIG — phone exports

B. All are rental-interest rates

C. GHTC — chip design; TISM — gas allocation

D. TSM/GHTC — proven construction technologies; TISM/TIG — innovation support under 2.0

Correct answer: D. TSM/GHTC — proven construction technologies; TISM/TIG — innovation support under 2.0

46. What is the key message of the housing stories from Addanki and Nongpoh?

A. Every beneficiary receives the same income increase

B. Secure homes can improve sanitation, stability and family well-being

C. Housing removes every future expense

D. A house automatically guarantees employment

Correct answer: B. Secure homes can improve sanitation, stability and family well-being

47. PMBJP chiefly expands access to which kind of medicines?

A. Only branded medicines at unrestricted prices

B. Only imported luxury cosmetics

C. Quality-assured affordable generic medicines

D. Only untested remedies

Correct answer: C. Quality-assured affordable generic medicines

48. Which ministry’s department is associated with PMBJP in the cited release?

A. Ministry of External Affairs only

B. Department of Railways

C. Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers

D. Department of Agriculture only

Correct answer: C. Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers

49. Which product-basket snapshot does the ebook give for August 2026?

A. 315 medicines and 2,110 hospitals

B. Only 20 medicines

C. Only adult diapers

D. 2,110 medicines and 315 surgicals/consumables/devices

Correct answer: D. 2,110 medicines and 315 surgicals/consumables/devices

50. PMBJP reported ₹7,873.85 crore sales and about ₹37,200 crore savings for which period?

A. FY2021–22 to FY2025–26

B. Only FY2014–15

C. Only September 2026

D. The next five years after 2026

Correct answer: A. FY2021–22 to FY2025–26

51. Which product category is associated with Janaushadhi Bachpan?

A. Only home loans

B. Only adult walking aids

C. Infant-care products such as diapers and wipes

D. Only surgical implants

Correct answer: C. Infant-care products such as diapers and wipes

52. At the article’s listed ₹45 for 20 baby wipes, what is the average price per wipe?

A. ₹0.45

B. ₹4.50

C. ₹2.25

D. ₹22.50

Correct answer: C. ₹2.25

53. Jan Aushadhi Swabhiman is a dedicated range of what?

A. Chip-design tools

B. Adult diapers

C. Home-loan subsidies

D. Baby feeding bottles only

Correct answer: B. Adult diapers

54. Match each monitoring product with its purpose.

A. Both replace every medical diagnosis

B. Glucometer strips — house area; oximeter — water quality

C. Both measure blood pressure only

D. Glucometer strips — blood sugar; pulse oximeter — oxygen saturation

Correct answer: D. Glucometer strips — blood sugar; pulse oximeter — oxygen saturation

55. Which listed price-pair belongs to the article’s healthcare-device examples?

A. Both ₹3 lakh

B. Electrical nebulizer ₹937.50; child mask with tubing ₹200

C. Nebulizer ₹45; mask ₹15,000

D. Nebulizer ₹500; mask ₹525

Correct answer: B. Electrical nebulizer ₹937.50; child mask with tubing ₹200

56. Which group was described as being in the pipeline for inclusion?

A. Only glucometer strips already listed

B. Only adult diapers under Swabhiman

C. Only baby wipes already priced in the article

D. Knee brace, sit-to-stand walker, pregnancy back-support belt and cervical collar

Correct answer: D. Knee brace, sit-to-stand walker, pregnancy back-support belt and cervical collar

1. PM Vishwakarma was launched on which date?

Correct answer: D. 17 September 2023

The launch was on 17 September 2023. The article is dated 16 September 2026, one day before the scheme’s third anniversary.

2. Identify the three pillars of PM Vishwakarma.

Correct answer: B. Samman, Samarthya and Samriddhi

The pillars mean respect, capability and prosperity. They connect recognition of traditional skills with practical support to improve livelihoods.

3. Match the scheme with its outlay and duration.

Correct answer: B. ₹13,000 crore for FY2023–24 to FY2027–28

PM Vishwakarma is a Central Sector Scheme with this five-year outlay. The programme budget is different from the maximum loan or toolkit support for an individual.

4. Which applicant best fits the scheme’s target group, assuming other conditions are met?

Correct answer: B. An adult self-employed traditional artisan working with hands and tools

The scheme targets self-employed artisans in the unorganised sector in notified traditional trades. It also seeks to preserve family-based skills and the Guru-Shishya tradition.

5. How many traditional trades are covered, and what is the minimum applicant age?

Correct answer: C. 18 trades; 18 years

The scheme covers eighteen notified trades and applicants must be at least eighteen. Trade, employment status and family-related conditions must also be checked.

6. Which group contains only covered traditional occupations?

Correct answer: A. Carpenter, potter, tailor and fishing-net maker

The notified list includes these occupations as well as barbers, locksmiths, masons and others. The ebook’s trade table repeats goldsmith; the original government list confirms potter as a covered trade.

7. After registration and verification, what recognises the artisan under PM Vishwakarma?

Correct answer: A. Certificate and ID card

Recognition is provided through a PM Vishwakarma certificate and ID card. It is formal recognition under the scheme, not a promise of salaried employment.

8. Choose the correct basic-training and advanced-training durations.

Correct answer: C. 5–7 days; 15 days or more

Basic training lasts five to seven days; advanced training lasts at least fifteen. Training also covers modern tools, designs, digital transactions and entrepreneurial knowledge.

9. A trainee attends seven eligible training days at ₹500 per day. Calculate the stipend.

Correct answer: D. ₹3,500

Seven multiplied by ₹500 equals ₹3,500. This is a training stipend calculation, not the separate toolkit incentive.

10. What is the maximum stated toolkit incentive?

Correct answer: A. Up to ₹15,000

Eligible beneficiaries can receive toolkit support up to ₹15,000. The government’s scheme description provides it through e-vouchers, distinguishing it from enterprise loans.

11. Identify the loan-tranche structure under PM Vishwakarma.

Correct answer: C. Up to ₹1 lakh, then up to ₹2 lakh

Collateral-free enterprise loans total up to ₹3 lakh in two tranches. The second tranche is conditional, so the total is not an automatic one-time grant.

12. Match the loan tenures: first tranche → ______; second tranche → ______.

Correct answer: D. 18 months; 30 months

The first loan has an eighteen-month tenure and the second a thirty-month tenure. These repayment periods are separate from training duration and the overall scheme period.

13. What fixed concessional interest rate is charged to the beneficiary?

Correct answer: A. 5%

The beneficiary rate is fixed at 5%, with government interest subvention up to 8% as described. The subvention is government support, not an additional rate charged to the artisan.

14. Which condition is required for the first loan tranche?

Correct answer: B. Completion of basic training

Basic-training completion makes a beneficiary eligible for the first tranche, subject to the credit process. Eligibility does not mean every application is automatically sanctioned.

15. Which statement correctly describes second-tranche access?

Correct answer: A. It is linked to satisfactory first-loan repayment and digital adoption or advanced training

The ebook links the second tranche to repayment and either digital transactions or advanced training. The original scheme description also requires a standard loan account; it is not automatic extra credit.

16. An artisan makes 130 eligible digital transactions in one month. At ₹1 per transaction, what maximum incentive applies?

Correct answer: D. ₹100

The monthly cap is one hundred eligible transactions, so the incentive is limited to ₹100. Both eligible payments and receipts are covered, subject to the scheme rules.

17. How many family members may receive registration and benefits under this scheme?

Correct answer: D. One member

Benefits are restricted to one family member; the family includes husband, wife and unmarried children. Government servants and their family members are excluded.

18. A former MUDRA borrower has fully repaid the loan. Which reading matches the stated exception?

Correct answer: A. May be eligible, subject to other PM Vishwakarma conditions

The ebook permits fully repaid MUDRA and PM SVANidhi borrowers under the stated exception. Otherwise, similar government credit support in the previous five years is an eligibility restriction.

19. Arrange the verification stages after applying through a CSC.

Correct answer: C. Gram Panchayat/ULB → District Implementation Committee → Screening Committee

The first level verifies, the district committee vets and recommends, and the screening committee approves. The ebook specifies applications through Common Service Centres only.

20. Udyam Assist onboarding serves which purpose?

Correct answer: D. Bring informal micro-enterprises into the formal MSME ecosystem

Udyam Assist provides registration recognition for informal micro-enterprises. This can help artisans access applicable government benefits as entrepreneurs.

21. Which progress pair is reported as on 15 September 2026?

Correct answer: D. Over 24.37 lakh basic-trained; over 18.16 lakh toolkit recipients

The ebook reports these training and toolkit counts alongside achievement of the thirty-lakh registration target. Registration, training and toolkit receipt are separate measures.

22. Which credit and digital-progress snapshot is correctly stated?

Correct answer: B. Over 6.19 lakh loans sanctioned worth about ₹5,316 crore; over 8.11 lakh digital-incentive recipients

The article reports sanctioned loans, not universal full disbursement. It also records more than ₹42 crore in digital incentives and AI-tool training for over 12,000 artisans.

23. Which market-access pairing is correct?

Correct answer: D. OSOP — railway stations; AVSAR — airports

The article links One Station One Product with retail access for Divyangjan artisans and AVSAR with airport stalls. It also mentions e-commerce, TRIFED and exhibitions as additional market channels.

24. The IIM Mumbai evaluation found that 93% reported income improvement. What is the correct interpretation?

Correct answer: A. 93% of surveyed beneficiaries reported moderate to significant improvement

The evaluation covered 11,591 beneficiaries across States and UTs. The percentage describes respondents reporting improvement, not the size of each person’s income increase or a guaranteed causal effect.

25. Choose the correct beneficiary-story pair from the article.

Correct answer: B. Villi — basket maker in Nagaland; Darshan Lal — woodcarver in Uttarakhand

Villi used a ₹1 lakh loan to expand her work and reported income of nearly ₹15,000, up around 40%. Darshan Lal received training, tools and credit and exhibited in Delhi; these are individual experiences.

26. PMAY-Urban was launched in which month and year?

Correct answer: B. June 2015

PMAY-U began in June 2015 to support Housing for All in urban areas. The restructured PMAY-U 2.0 phase began in 2024.

27. What is PMAY-U’s core housing objective?

Correct answer: A. All-weather pucca homes with basic civic amenities for eligible urban households

The mission connects housing with services such as sanitation and water. It targets eligible urban households rather than providing a house unconditionally to every applicant.

28. The original PMAY-U completion period is extended until which date in the ebook?

Correct answer: B. 30 September 2026

The extension supports completion of previously sanctioned projects. It should be distinguished from PMAY-U 2.0’s separate 2024–2029 implementation period.

29. Which target and period correctly describe PMAY-U 2.0?

Correct answer: B. One crore additional urban families during 2024–2029

The next phase aims to assist one crore urban poor and middle-class families. A target is an intended coverage level, distinct from houses already completed.

30. Which income example falls in EWS under the stated PMAY-U 2.0 criteria?

Correct answer: D. Annual household income ₹2.5 lakh

The EWS annual household-income ceiling is ₹3 lakh. These are annual household figures, not monthly earnings or an individual wage limit.

31. A household earns ₹5 lakh a year. Which stated income band fits?

Correct answer: B. LIG

The article places LIG in the ₹3–₹6 lakh annual band. Using ₹5 lakh avoids confusion at a shared boundary; other housing eligibility conditions must still be met.

32. Under the article’s PMAY-U 2.0 bands, an annual household income of ₹8 lakh belongs to which group?

Correct answer: B. MIG

The article gives MIG as the ₹6–₹9 lakh band. It is the PMAY-U 2.0 band used here and should not be mixed with income limits from older subsidy schemes.

33. Choose the correct four verticals of PMAY-U 2.0.

Correct answer: D. BLC, AHP, ARH and ISS

The verticals cover beneficiary-led construction, partnership housing, rental housing and interest subsidy. They address different housing situations instead of offering one identical model to everyone.

34. An eligible EWS family owns suitable land and wants to build a home. Which vertical best fits?

Correct answer: A. Beneficiary-Led Construction

BLC supports eligible EWS families constructing houses on their own land. The ebook states assistance up to ₹2.5 lakh and a maximum carpet area of 45 square metres.

35. Public or private agencies build affordable homes for eligible EWS buyers. Which vertical is this?

Correct answer: D. Affordable Housing in Partnership

AHP involves agencies constructing houses for beneficiaries. The ebook gives 30–45 square metres of carpet area and combined government assistance up to ₹2.5 lakh per eligible unit.

36. A migrant worker needs dignified short-term accommodation and cannot buy a home. Which vertical is most relevant?

Correct answer: A. Affordable Rental Housing

ARH addresses rental needs of eligible EWS and LIG groups, including migrants and workers. Its purpose differs from giving every tenant ownership of the unit.

37. ISS covers eligible loans sanctioned and disbursed on or after which date?

Correct answer: D. 1 September 2024

The Interest Subsidy Scheme uses 1 September 2024 as the stated date. It supports eligible purchase, repurchase or construction loans, subject to its detailed conditions.

38. What is the maximum ISS subsidy, with the missing unit in the ebook checked against the guidelines?

Correct answer: B. ₹1.80 lakh

The official PMAY-U 2.0 guidelines give a maximum subsidy of ₹1.80 lakh. The ebook omits lakh in this sentence; the corrected unit prevents an obviously misleading amount.

39. A married couple asks for one house each under the same family eligibility. Which rule is relevant?

Correct answer: D. Either spouse or both jointly may avail one eligible house

The article limits a married couple to a single eligible house. It also says an eligible beneficiary may obtain support under only one vertical, avoiding duplicate benefits.

40. Which ownership principle supports women’s empowerment in PMAY-U?

Correct answer: A. Ownership or co-ownership in the woman beneficiary’s name, subject to applicable rules

The mission emphasises women’s ownership or joint ownership to strengthen security and decision-making. This is an ownership provision, distinct from the rental-housing model.

41. As on 9 August 2026, what combined PMAY-U and PMAY-U 2.0 progress is reported?

Correct answer: C. 1.25 crore sanctioned; over one crore completed and delivered

Sanction and completion are different stages. The figures combine the two mission phases and should not all be attributed to PMAY-U 2.0 alone.

42. Which PMAY-U 2.0 vertical had the largest sanctioned count in the article’s August snapshot?

Correct answer: B. BLC, about 14.40 lakh

Of about 18.38 lakh total sanctions, the article lists BLC at 14.40 lakh, AHP at 2.48 lakh and ISS at 1.36 lakh, plus 13,046 rental units. Rounded figures need not sum to the exact published total.

43. Which set contains PMAY-U’s digital implementation tools?

Correct answer: B. Unified portal, dashboard and geo-tagging

The portal supports applications and tracking, the dashboard shows progress, and geo-tagging links construction evidence with location. They improve monitoring but do not by themselves guarantee every project finishes on time.

44. Arrange the five construction-monitoring stages in the article.

Correct answer: D. Grounding → foundation → superstructure → finishing/external development → completion

Geo-tagging follows successive construction stages. The sequence lets implementing agencies see whether physical progress matches the reported stage.

45. Which technology-support pairing is accurate?

Correct answer: D. TSM/GHTC — proven construction technologies; TISM/TIG — innovation support under 2.0

The article lists 54 shortlisted technologies and six Light House Projects under GHTC. TISM promotes sustainable innovation, while TIG supports eligible AHP projects using notified alternative technologies.

46. What is the key message of the housing stories from Addanki and Nongpoh?

Correct answer: B. Secure homes can improve sanitation, stability and family well-being

Ananthalakshmi’s family gained sanitation and security in Andhra Pradesh; Lucybon’s family in Meghalaya reduced repair pressure and improved stability. These stories illustrate benefits, not identical outcomes for every household.

47. PMBJP chiefly expands access to which kind of medicines?

Correct answer: C. Quality-assured affordable generic medicines

Pradhan Mantri Bhartiya Janaushadhi Pariyojana supplies affordable generic medicines through Jan Aushadhi Kendras. Its product range also includes devices, consumables and surgical products.

48. Which ministry’s department is associated with PMBJP in the cited release?

Correct answer: C. Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers

The source is from the Department of Pharmaceuticals in the Ministry of Chemicals and Fertilizers. This administrative context distinguishes PMBJP from housing and artisan-support programmes.

49. Which product-basket snapshot does the ebook give for August 2026?

Correct answer: D. 2,110 medicines and 315 surgicals/consumables/devices

The counts are product-basket entries, not patient or hospital numbers. The article also describes a network of over 20,000 Kendras bringing the products closer to families.

50. PMBJP reported ₹7,873.85 crore sales and about ₹37,200 crore savings for which period?

Correct answer: A. FY2021–22 to FY2025–26

These are cumulative figures for five financial years. Estimated citizen savings are different from sales revenue and should not be described as a direct cash transfer to households.

51. Which product category is associated with Janaushadhi Bachpan?

Correct answer: C. Infant-care products such as diapers and wipes

Bachpan focuses on infant-care needs within the wider Janaushadhi basket. The article also lists feeding bottles and other products, extending affordability beyond prescription medicines.

52. At the article’s listed ₹45 for 20 baby wipes, what is the average price per wipe?

Correct answer: C. ₹2.25

₹45 divided by 20 equals ₹2.25. This uses the article’s listed pack price, not a claim about today’s price or availability at every Kendra.

53. Jan Aushadhi Swabhiman is a dedicated range of what?

Correct answer: B. Adult diapers

Swabhiman addresses adult-diaper needs in ongoing caregiving. The article connects such recurring products with hygiene, comfort and dignity for dependent or bedridden people.

54. Match each monitoring product with its purpose.

Correct answer: D. Glucometer strips — blood sugar; pulse oximeter — oxygen saturation

The devices support specific measurements, not a complete diagnosis by themselves. The article presents them as part of affordable monitoring and everyday healthcare management.

55. Which listed price-pair belongs to the article’s healthcare-device examples?

Correct answer: B. Electrical nebulizer ₹937.50; child mask with tubing ₹200

These are the prices quoted in the source article. They are product facts for this dated current-affairs exercise, not instructions to start treatment or assurance of current retail stock.

56. Which group was described as being in the pipeline for inclusion?

Correct answer: D. Knee brace, sit-to-stand walker, pregnancy back-support belt and cervical collar

The article distinguishes proposed additions from the available basket. A pipeline listing indicates intended expansion, not confirmation that every listed item is already stocked across the network.