 Good morning sir, good morning sir, good morning ma'am. How are you twinkle? Self. You are from Dhar. Yes sir. Dhar, a lot of Mahals are there I think. Yes sir, there are Mahals in Mando which is a very famous architectural heritage site and there are famous Mahals like Rani Rootmati Mahal, Bhas Bahadur Palace, Hosham Shah's tomb. Okay, just tell me one or two stories which you published motivational stories. Sir, I worked on two films. Firstly, I published some stories in Covid during the Covid pandemic time. So, there were stories which focused on how the community came forward to help people who were suffering from Covid and their families who were facing difficulties to deal with the challenges. One story which I would like to tell you is about an old person, he was 80 years old and despite his age there was no barrier to him. He distributed more than 1000 food packets in a span of 2 months going everywhere in every hospital and the makeshift facilities that are there. Okay, just tell me what is the difference between act of gold, act of state and act of parliament. So, firstly act of God refers to a situation or event which is not in control of a particular individual or entity. Secondly, act of state is the actions done by the government or the ruling regime and it is done usually as per the laws and regulations of the country and thirdly act of parliament confines to the act of legislature. How it is made, act of parliament? So, act of parliament is through the debates and discussions in parliament, the legislation passed by the parliament. And state act, first I asked, act of state, state act? Sir, state mostly confines to the executive and the government. They also have, they don't pass any act like parliament passes. So, they are the part of the parliament as is done in the parliament. Are they part of parliament? So, executives are part of legislature. State act, when we say state act like parliament, act of parliament. Similarly, states also pass act in the legislation. So, how they are part of parliament that is parliament is in the central government and act as state, they have the legislatures. Sorry sir, I misunderstood here the state as the general term state which we use for the government as a whole. That you replied? Yes sir. Act of state that you reply? I was asking then state act. Yes sir. Okay. See, lot of activities taking place in Ghani Nagar and one annoy that one ambassador told that Ghani Nagar is a ghost city. Ghost town after office hours. You heard about it? Sir, I am not aware of this particular situation. I will have to read about this. Okay. Can courts interfere with interfaith marriages? Sir, I think interfaith marriages are a matter of personal choice of an individual. So, when it comes to exercising the liberty of a person in that marriage, I think it is a matter that is confined to the individual itself. But if such interfaith marriages involve activities like coercion and forcefulness on the part of the individuals, so I think keeping the larger public interest in mind the court can at times interfere. Even if the parents go to court and request the court to stop that marriage, can they do that? Sir, I think no, this will not be good on the part of the court. Okay. Have you heard the name of Prashant Bhushan? Yes sir, I have heard. Who is he? Sir, Prashant Bhushan, he is a lawyer and he was convicted of contempt of court recently in past two years. That is all? You know in that context only? Convicted? Yes sir. His father? You know his father? No sir, I do not know. He is also a famous personality? No sir, I do not know. From emergency times? Sir, I do not know. Okay. Thank you. Thank you. Yes sir. What is Madhya Pradesh news for in the last one month? Sir, very recently it has been in news for the violence, which is an unfortunate situation between the two communities, especially in areas like Khargaon district. So this is what I can remember of recently. Prohibition? No sir, I do not know. There was an incident where an MP attacked liquor store. You are familiar with this? No sir, I am not familiar with this. Bihar and Gujarat already has prohibition in place. Do you think it is something that should be implemented in MP as well from a socio-economic perspective? Sir, I think that when I see the facts and statistics, when it comes to Madhya Pradesh, there are not such incidents like alcoholism or related activities. So the policy that UP and Bihar took were more based on the violence that happened due to the use of alcohol and the informal industries, they are like toddy makers. So this kind of activities are not prevalent at such a large scale in Madhya Pradesh. Hence, there is no effective measure yet to tackle this. How has the Bhopal gas tragedy shaped our disaster response mechanism? So after the Bhopal gas tragedies, work was done on various fronts. First of all, stepping up of the safety plans in the industries and especially more vulnerable industries like chemical factories was done. Secondly, the compensation and rehabilitation of the victims was fast-tracked post the tragedy. Okay. What is the latest on the NSC controversy? It has been in news in the last two days. Sorry sir, please. NSC controversy. You are familiar with the NSC controversy? No sir, I am not familiar. National stock exchange, the controversies of NSC? NSC, okay sir. Yes sir, I am familiar with the controversy. So it was alleged that the chief officer of NSC is involved with agencies outside the NSC who were given directions and also there are allegations of corruption and inappropriate use of funds towards these personals. What is the latest on this controversy? Sir, latest today both these were jailed and the charge sheet was filed against the chief officer. What do you know about fractional investing? Sir, I am not aware of this term. Fractional, okay. What are the biggest lessons for us from COVID? So the first lesson is collective effort. Collective effort at a local level, national level as well as international level can only work if we want to eradicate this pandemic. Secondly, the lesson is that life is very fragile and we should make the most use of it because one never knows that what can happen. So this is what I can... What is your biggest takeaway? How is collecting this anthology shaped your personality? Sir, the most important thing that I learned in this anthology is a positive outlook. Though at times we might not have enough capacity to deal with challenges but when we see the situations with positive outlook, it certainly affects us in a better way when it comes to dealing with the situation. GDP growth rate is in news. Yes, sir. Can you tell me why? Sir, recently the IMF projected India as one of the fastest growing major economy compared to the whole world. At the same time, there were also news regarding the degrading of the projections of GDP of our country. IMF is also in news in the context of Sri Lanka and IMF bailout. Can you tell me how in IMF bailout works, what is the process and procedures involved and the rates involved in this? Sir, in my limited understanding, the country which needs help in the bailout, it approaches the IMF. IMF gives funds to the country to deal with its challenges but on certain conditions. The country has to open up its economy, reduce its fiscal deficit and welcome foreign investments in the country. Russia is also expected to go for a depth default. Yes, sir. What are the implications of large countries like Russia going for a depth default? Sri Lanka is a small country, it would not have a larger impact on the global economy. But if Russia goes for a depth default, how will it affect the global economy? So, first of all, it will disrupt the liquidity of the countries from which Russia has taken debt. For example, North American countries and European countries. Secondly, a lot of countries depends on Russia for their input requirements and raw materials. So, Russia might increase its rate or put forward conditions like it would need its payment in a particular currency. So, it might affect the whole currency exchange in the world. And thirdly, such a big player like Russia, whose economy is related, it has economic relations with almost whole of the world. So, it will affect the economy of other countries through negatives like increasing inflation and fiscal deficit. You practice zero waste lifestyle. Yes, sir. How do you spread awareness about this? So, first of all, I try to explain people that what are the positives of these kinds of lifestyles. Secondly, I try to make them aware of the alternatives available of the things which we use daily and which can be eliminated in order to have a sustainable lifestyle. And thirdly, I also use social media to make aware people about the repercussions of having a huge amount of waste. And how have you practiced this yourself? Can you bring out some snippets? So, at a personal level, I try to minimize use of things like single-use plastics. I try to replace them with things like paper or a cloth bag. Even when I study, I have tried to make most of the use of laptops or making digital notes in apps like Evernote rather than using a large amount of paper. Thirdly, at the local level, I installed a platform known as Uphar Ignisot, where people can bring forward the things that they use and that is no more of use to them so that they can give to some other people for reuse. It can be clothes, it can be food packets. What do you mean by single-use plastic? Single-use plastic refers to the kind of plastic which has no alternative use once it is taken in use. So, it cannot be recycled? It can be recycled but it cannot be reused. Also, recycling has several challenges because of the thinness of that particular plastic. And how do you create anthology of positive stories and what do you mean by anthology? So, anthology refers to a compilation of stories of people and I talk to people, people share their experiences with me and I try to make a story out of it. So, right now, I am collecting these stories and I intend to publish it at some time in the future. Don't you think media should also, the popular media and mainstream media should also publish more positive stories because mostly I see as negative stories? So, I think media at a certain level is doing such kind of initiatives. One that I can particularly remember is Indian Express videos on YouTube in which they focus on women who have impacted their lifestyle, who have impacted a lot of people through their lifestyle. But at the same time, yes, media due to things like media trials or paid news or fake news might indulge in such kind of negative things. So, these should be focused upon. You are a commerce student. Yes. Can you tell me about the revenue collection data which has come out for the last financial year? So, regarding the revenue collection data, there is an increase in tax collection as compared to the last year. What I can recall is the direct tax collection has increased by around 49% as compared to last year. And in indirect tax, the GST has breached the 1.5 lakh crore per month mark in the recent months. How many taxpayers are there in this country? So, we have around 2 crore taxpayers. Only 2 crore taxpayers? Yes, sir. Direct tax or indirect tax? So, direct tax. Okay, but taxpayers would include direct tax or indirect tax? So, when we talk about taxpayers, we talk about direct taxpayers because indirect tax is already paid by every citizen in any indirect way. So, when we say that government is not utilizing taxpayers' money, so that would mean only direct taxpayers' money? So, it includes direct taxpayers like individuals and companies in my limited understanding. So, this is I know. Okay, alright. What is the difference between tax evasion and tax planning? So, tax planning refers to the use of legitimate means and the incentives provided by the Income Tax Act to reduce one's tax liabilities. Whereas tax evasion is the deliberate evasion of tax by using means like hiding one's income or showing unfair view of the balance sheet of a firm. Okay. You have also done something with SEVA International. Yes, sir. Can you tell me something about this NGO? So, it is an NGO headquartered in New Delhi and works in various areas regarding service to the humanity. It works in areas like disaster management. It worked excellently dealing with the COVID pandemic and situations like poverty, helping communities like transgenders. Okay, last question. Can you comment on the waste management practices in India, especially by the urban local bodies? So, the waste management practices in urban local bodies are firstly the waste collection. So, I think this is the point where we lack. We are not able to collect a lot of waste in the urban local bodies. Secondly, segregation practice and around 50 to 60% of waste is only segregated in that to engage in municipal corporations. And thirdly, it's recycling. So, recycling is also a setback and thus it ends up in landfills. Thank you. So, Twinkle. Yes, ma'am. NGO SEVA International. Okay. Can you tell us the process of how to get an NGO registered in India? Ma'am, an NGO can be registered in India through various acts like Societies Act, Trust Act, or it can be registered with Neethi Ayog or the department of under DP IIT. So, it is registered through FCRA as well, depending on the structure of the NGO. So, if I have to open an NGO, can I directly go to FCRA and get my NGO registered? When FCRA registration is required, an NGO is involved in foreign funding. So, one can either directly go to DP IIT so that it gets registered. Okay. So, is there a process that you know you can only apply for an FCRA or some other Neethi Ayog once you complete number one or number two processes. So, is there a process which one has to follow or one can just go to any of these and get this registered? Ma'am, I'm not aware of that process. No problem. Zero-waste lifestyle. Do you think it's practical? Ma'am, I think having a completely zero-waste lifestyle is not practical because there are several challenges. We do not have alternatives of a lot of things. So, I think at least aspiring towards it makes us half aware. So, anything which you feel that it's unavoidable? Ma'am, one thing that I can recall is the use of contact lens which even I use. So, I do not find any alternative use of it and thereby I have to throw it anywhere. Make in India. Yes. Two plus two dialogue. Okay. So, is there any connect in both the things? Ma'am, I'll have to think about that. Two plus two, you know that? Between Indo-U.S. this two plus two dialogue? Yes, ma'am. I know about the two plus two dialogue. Ma'am, can you tell us about few highlights about these dialogue? Ma'am, I haven't read about that. I'll have to think about it. Okay. There was a bill to raise marriageable age. Recently it was in use. And what was that? Why was it in use? Ma'am, it was in use to increase the age of girls for marriage, to bring the boys and girls' marriage age at 5. And which is that? 21 years. 21. Okay. That happened last year. But then after that again it was in use. So, there's a resistance. And are you familiar with that? And that, you know, there are certain sections of the society who are resisting and who want this to happen. Yes ma'am, there is a resistance towards increasing the age because a lot of people believe in marrying the girl at an early age. Even we have seen cases in India where one-third of girls are married at an early age and child marriage cases. Even an age of 18 is at times higher for certain sections of the people and they resist for increasing it further. So, why do you think? What is your view on that? Should the marriageable age should be, you know, it should be there only at 18 or it should be risen to 21? Ma'am, I think that the marriageable age should be increased to 21 because of the following reasons. Firstly, it provides an adequate opportunity for the girl child to complete not only her school education but as well as education further in higher studies. And secondly, it promotes ideas for empowerment of the gender in society. So, but you know, the resistance came in not only from the people who are living in rural areas but from very well-known activists also. So, what do you think could be the reason of this resistance? Why are they objecting to it? Ma'am, I have to read about that. Okay. Coming back to commerce and costing, suppose you have to price a product. You have to calculate a selling price. How would you do that? For example, let's assume it's the saree which you are wearing. So, how would you calculate the selling price of it? First of all, ma'am, I would think about the raw material that is used in making the saree that how easily it is available and what is the cost at which it is available. Secondly, the labor that will be used in making these sarees and thirdly, the expenses like the cost of setting up of a factory maybe should be assessed to come to the cost price of the saree. But this will be the basic price. Above it, there can be other charges as well. For example, rent, for example, interest on loans taken by the particular entity. So, keeping in mind all these things, I can come at a certain price of the saree. Suppose the factory is owned by you and it's not on rent, then how would you calculate that? Ma'am, even if the factory is owned by me, there is an opportunity cost involved in the factory. Because had I not been using it for manufacturing the saree, I would have let it out and earn an ample income on that. So, the cost will still be added to the saree. And how would you calculate the overheads in that? Sorry, ma'am. Overheads. Overheads? Okay. So, would you not, you will only take into the pricing whatever the ingredients which you are using or is there any other cost also apart from that? Over and above the other cost, the fixed cost. Yes ma'am. There are indirect overheads that might be involved. For example, the transportation cost, marketing cost or advertising cost. So, how do you calculate that? Is there a formula to it or how is it done? Ma'am, usually it is done by accounting the actual expenses and allocation of those expenses to the particular product. It can be done on the basis of the actual amount of units produced or it can be done by bifurcating individual overheads. Okay. A cardless cash withdrawal of ATMs from ATMs. So, what is the significance of it? Well, first of all, the ease and convenience with which we can withdraw cash. Secondly, there will be no hazard to carry a separate debit card or credit card for each bank every time we go to withdraw cash. Okay. One last question. Suppose you are an investor and you have to invest in a startup. So, what all will you see in choosing a company for investing your money into it? Ma'am, first of all, I see that from how much time has the startup been incorporated. Secondly, I will see the area of work and its prospects in future that can affect the profit making capabilities of the startup. And thirdly, I will also see the social impact that the startup is creating. Numbers. Sorry, Ma'am. Would you also look at the scalability numbers? Ma'am, I think that looking at the numbers will influence my decision in a negative way because startup being a startup and initial stages does not reflect its true potential just by looking at its numbers. Okay. Thank you. Twinkle, your intro is over? Yes. Overall performance is very good. Good communication skills, good freezing personality and good knowledge also. One is, it will know a little more about MP in current affairs. Yes. And I contact with other members. I think you are, I contact us with two members, fourth member you are just not looking towards. Just ensure that you look towards all once a while when you are responding to one. And even I wearing contact lens that I wearing could have been avoided. You are telling about the contact lens, Ma'am. You didn't say that I am also using contact lens. Okay. And this current waste management practices, I think you went to drawbacks also. Just he asked you question that what are the current waste management practices. Yes. Just concentrate on that. Okay. Tax payers, that was a deliberate question asked. He was not interested in numbers. How many tax payers are there, whether you are including indirect taxes also. Everybody is paying tax. Yes. One way or another. Otherwise very good performance. This is all there is. Yeah. I think apart from the taxpayer because taxpayer is generally when we say taxpayer, it includes both. Yes. Direct and indirect. Doesn't include both. But it's meaning is that it includes everybody. Okay. Generally people say only taxpayers are only this much. Which is not correct. Yes. They mention of only direct taxpayers. So that is it. But you have a pleasant personality, good articulation style. You are thoroughly calm and composed while the interview. For many positives are there. Keep on devising on the current affairs. I think well articulated, very confident, pleasant personality. Eye contact definitely could have been better. MP related current affairs, I think prohibition has been in use and just take a look at that. Yes. What I would have expected. Stock market, NSE you did not catch it the first time I think. Yes. I heard it NSC. Okay. Okay. This will get a lot of questions is anthology of positive stories. I think you would get a lot of questions. Yeah. Current affairs only and especially two plus two dialogues was very, very important. And just read about it in a manageable bill and everything because it is expected from you that you know, they'll ask the question. News about specifically MP also. Umavarki only that did that. Yes. Lickers open. Okay. Thank you.