Daily Current Affairs 23rd December 2025 | Latest News | Download PDF

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CURRENT AFFAIRS : BANKING, FINANCE & BUSINESS

Reserve Bank of India Central Board Clears Risk-Based Deposit Insurance System for Banks

The Central Board of Directors (BoD) of the Reserve Bank of India (RBI) approved the introduction of a risk-based deposit insurance premium framework for banks, replacing the existing flat-rate premium system under the Deposit Insurance and Credit Guarantee Corporation (DICGC)
The decision was taken at the 620th meeting of RBI’s Central Board, chaired by RBI Governor Sanjay Malhotra, held in Hyderabad, Telangana, on 19 December 2025, and follows the Governor’s October 2025 Statement on Developmental and Regulatory Policies highlighting limitations of the flat premium structure.

Key Highlights :

Under the existing deposit insurance structure, the DICGC, established under the DICGC Act, 1961, has been operating since 1962, with banks paying a flat premium of 12 paise per ₹100 of assessable deposits.
The new risk-based framework will allow financially sound banks with strong capital adequacy and better asset quality to pay lower insurance premiums, while weaker banks may continue paying 12 paise or face a higher premium of up to 15 paise per ₹100 of deposits.
As per amendments to the DICGC Act, 1961, the DICGC is empowered to increase the premium up to 15 paise per ₹100, subject to RBI approval.
At present, deposit insurance coverage is capped at ₹5 lakh per depositor per bank, providing protection to the vast majority of small depositors.
As of March-end 2025, 97.54% of insured bank accounts were fully protected, while insured deposits accounted for 41.52% of total assessable deposits, indicating broad depositor coverage.
The meeting was attended by RBI Deputy Governors Rabi Sankar, Swaminathan J., Poonam Gupta, and Shirish Chandra Murmu.
The RBI Central Board also reviewed the global and domestic economic situation, examined the activities of select Central Office Departments, and discussed the draft Report on Trend and Progress of Banking in India, 2024–25, making the decision relevant for banking, economy, and regulatory framework

South Indian Bank Introduces RuPay Contactless SIB Paytag Sticker for Secure NFC Payments

South Indian Bank launched the RuPay Contactless SIB Paytag Sticker, an NFC-enabled payment instrument for fast and secure digital payments.
The compact sticker can be attached to mobile phones, wallets, or cardholders, enabling tap-and-pay transactions without a physical debit card.
The Paytag Sticker allows contactless payments at POS terminals using the RuPay infrastructure.
For transactions up to ₹5,000, no PIN is required, while transactions above ₹5,000 at POS terminals require PIN authentication.

PNB MetLife, PolicyBazaar Roll Out DigiProtect Term Plan for Salaried Individuals in India

PNB MetLife India Insurance Company Limited launched ‘PNB MetLife DigiProtect Term Plan (UIN-117N141V01)’, a pure term insurance plan specially designed for salaried individuals in India.
The plan is an individual, non-linked, non-participating term insurance product and is offered through a fully digital platform in partnership with PolicyBazaar.
It provides comprehensive life cover, including accelerated benefits in case of terminal illness, ensuring enhanced financial protection.
The policy offers a unique exit benefit, allowing policyholders to exit before maturity and receive a full refund of all premiums paid at no extra cost.
A premium pause option is available, enabling policyholders to pause premium payments for up to 12 months after completing 3 policy years, usable once every 5 years.
The plan includes an accelerated claim payout of ₹3 lakh, payable within one working day of claim registration after a 3-year waiting period, subject to documentation.
Nominees can choose flexible payout options for death benefits, including lump sum, monthly instalments, or a combination of both.
The plan offers an attractive discount of up to 21% on the first-year premium, making it a cost-effective digital term insurance solution.

HCLTech Signs Multi-Year Digital Modernisation Partnership with Netherlands’ ASN Bank

HCL Technologies (HCLTech) entered into a multi-year strategic partnership with ASN Bank, the Netherlands’ fourth-largest retail bank, to modernise digital operations and IT architecture.
The partnership focuses on modernisation and standardisation of IT systems, enabling a future-ready digital organisation for ASN Bank.
It aims to streamline IT services, reduce the number of vendors, and automate core banking processes to enhance efficiency.
HCLTech will support enterprise applications and IT systems through a scalable distributed delivery model.
The collaboration is expected to improve operational efficiency, enhance customer experience, and rationalise existing products.
The partnership aligns with ASN Bank’s ‘Simplify and Grow’ strategy and strengthens HCLTech’s presence in the Dutch banking sector.

CURRENT AFFAIRS: NATIONAL AND STATE NEWS

Prime Minister Narendra Modi Inaugurates New Terminal at Lokapriya Gopinath Bardoloi International Airport, Guwahati

Prime Minister Narendra Modi inaugurated the new terminal building of Lokapriya Gopinath Bardoloi International Airport in Guwahati, Assam.
Along with the terminal, an 80-foot statue of Gopinath Bardoloi, Assam’s first Chief Minister, was unveiled outside the airport premises.
The inauguration marks a major milestone in infrastructure development and aviation connectivity in Northeast India.
The new terminal is spread across approximately 1.4 lakh square metres.
It is designed to handle up to 1.3 crore passengers annually, significantly enhancing airport capacity.
The terminal includes modern passenger facilities and upgraded airside infrastructure to ensure smoother aircraft and passenger movement.
The terminal follows a nature-inspired architectural theme called “Bamboo Orchids”, reflecting Assam’s biodiversity and cultural heritage.
Design elements include bamboo-inspired structures, motifs representing local flora and culture, and interiors blending modern design with regional identity.
The development aligns with the vision of “Vikas bhi, Virasat bhi”, emphasising development along with heritage.
Lokapriya Gopinath Bardoloi International Airport serves as the primary aviation gateway to Northeast India.
The airport plays a crucial role in trade, tourism, and regional mobility, connecting the Northeast with major domestic and international destinations.
The expanded and modernised terminal supports Assam’s growing economic aspirations and rising passenger traffic.

About Assam:

Chief Minister: Himanta Biswa Sarma
Governor: Lakshman Prasad Acharya
Capital: Dispur
National Parks: Kaziranga National Park, Manas National Park, Dibru-Saikhowa National Park
Wildlife Sanctuaries: Pobitora Wildlife Sanctuary, Orang National Park, Bura-Chapori Wildlife Sanctuary, Nameri Wildlife Sanctuary

RECENT NEWS

In a significant move towards personal law reform and women’s rights protection, the Assam government introduced The Assam Prohibition of Polygamy Bill, 2025 in the Assembly on November 25, 2025. Chief Minister Himanta Biswa Sarma tabled the bill, fulfilling a promise made in 2023 to eliminate polygamy through legislation.

Prime Minister Narendra Modi Lays Foundation Stone of ₹10,601 Crore Namrup Ammonia–Urea Fertiliser Plant in Assam

Prime Minister Narendra Modi laid the foundation stone of a ₹10,601 crore ammonia–urea fertiliser plant at Namrup in Dibrugarh district, Assam.
The project is being developed under the Assam Valley Fertilizer and Chemical Company Limited (AVFCCL) and marks a major step towards fertiliser self-reliance, farmers’ welfare, and industrial growth in Northeast India.
The plant will have an annual production capacity of 12.7 lakh metric tonnes of urea and is expected to be commissioned by 2030.
It is a brownfield expansion project within the existing Namrup fertiliser complex.
The Union Cabinet approved the project in March 2025, and AVFCCL was incorporated in July 2025.
AVFCCL is a joint venture involving the Government of Assam, Oil India Limited, National Fertilisers Limited, Hindustan Urvarak and Rasayan Limited, and Brahmaputra Valley Fertiliser Corporation Limited (BVFCL).
The joint venture structure ensures financial strength, technical expertise, and long-term sustainability of the project.
Namrup has historically been a major centre of fertiliser production and is home to BVFCL, the oldest fertiliser unit in Northeast India.
The complex has traditionally served farmers in Assam and neighbouring states, but ageing infrastructure and rising demand created the need for a modern, high-capacity plant.
The new project aims to ensure uninterrupted urea supply, reduce dependence on imports, and strengthen agricultural resilience in the region.

Jharkhand Approves Platform Based Gig Workers (Registration and Welfare) Act, 2025

Jharkhand has approved the Jharkhand Platform Based Gig Workers (Registration and Welfare) Act, 2025, after receiving assent from Governor Santosh Gangwar, making the state one of the early movers in regulating the gig economy.
The Act aims to provide social security, welfare, and economic protection to gig and platform-based workers engaged through digital platforms operating within the state.
The legislation covers workers involved in transport, delivery, logistics, and other on-demand services, bringing them under a common institutional framework for better monitoring and protection.
A Gig Workers Welfare Board will be established under the Act, with the Labour Department Minister as the ex-officio Chairperson and other nominated members serving a three-year term.
The Board will be responsible for registration of gig workers and aggregators, issuance of identity cards, and implementation of welfare schemes.
Mandatory registration of all aggregators operating in Jharkhand has been prescribed to ensure regulatory oversight and accountability.
The Act mandates payment of minimum wages to gig workers based on the nature and duration of work, addressing income instability in platform-based employment.
It also provides for social security benefits, including medical insurance and welfare measures, to reduce vulnerability to health and livelihood risks.
To ensure compliance, the Act introduces penalties up to ₹10 lakh for aggregators violating its provisions.
Once notified in the official gazette, the legislation will formally come into force, laying the foundation for a structured gig workers’ welfare framework in Jharkhand.

About Jharkhand:

Capital: Ranchi
Chief Minister: Hemant Soren
Governor: Santosh Gangwar
National Parks: Betla National Park
Wildlife Sanctuaries: Palamau Wildlife Sanctuary, Hazaribagh Wildlife

RECENT NEWS

Jharkhand is set to become the first Indian state to launch a Mining Tourism Project, aiming to showcase its rich mineral heritage through guided mine tours and cultural experiences.

India to Establish Its First Forest University in Gorakhpur, Uttar Pradesh

India is set to establish its first-ever Forest University in Gorakhpur, Uttar Pradesh, marking a major step towards strengthening education and research in forestry, wildlife conservation, and environmental sciences.
The initiative reflects India’s growing national focus on biodiversity conservation, climate change mitigation, and sustainable natural resource management.
The proposed university will be developed on a campus of around 125 acres in Gorakhpur, located near the Jatayu Conservation and Breeding Centre.
An initial allocation of ₹50 crore has been provided in the state budget for the project.
Planned infrastructure includes academic blocks, advanced research laboratories, hostels for around 500 students, separate accommodation for male and female students, an auditorium, sports facilities, and faculty residences.
The Forest University will offer degree and diploma programmes in Forestry, Agroforestry, Social Forestry, Horticulture, Wildlife Conservation, Environmental and Climate Studies, and ecosystem-related Biotechnology.
A strong emphasis will be placed on practical learning, field-based research, and hands-on conservation work.
The key objectives of the university include training skilled professionals for forest departments and conservation agencies, promoting research on biodiversity and climate change, supporting sustainable forest and wildlife management, developing expertise in agroforestry and environmental biotechnology, and strengthening India’s response to deforestation and ecological challenges.
A Forest University is a specialised higher education institution focused on forest sciences, wildlife studies, ecosystem management, and environmental sustainability, combining classroom education with extensive field-based training.

About Uttar Pradesh:

Chief Minister: Yogi Adityanath
Governor: Anandiben Patel
Capital: Lucknow
National Parks: Dudhwa National Park
Wildlife Sanctuaries: Katarniaghat Wildlife Sanctuary, Kaimoor Wildlife Sanctuary, Nawabganj Bird Sanctuary (Shahid Chandra Shekhar Azad Bird Sanctuary), Hastinapur Wildlife Sanctuary, Sur Sarovar Bird Sanctuary, Chandraprabha Wildlife Sanctuary, Mahavir Swami Wildlife Sanctuary, Ranipur Wildlife

Parliamentary Panel Recommends Institution of National Importance Status for Auroville Foundation

The Auroville Foundation, located in Puducherry, has come into national focus after a Parliamentary Standing Committee recommended granting it the status of an Institution of National Importance (INI).
The recommendation was tabled in Parliament in December 2025 by a committee headed by Digvijaya Singh.
The panel urged the Government of India to amend the Auroville Foundation Act, 1988 to formally recognise Auroville as an INI.
The committee cited multiple UNESCO resolutions since 1966, which have endorsed Auroville for its role in international understanding, peace, and global harmony.
UNESCO’s long-standing support was highlighted as a key justification for granting Auroville a special national status.
An Institution of National Importance is declared through an Act of Parliament and enjoys special autonomy, funding support, and functional independence.
Examples of INIs include Indian Institutes of Technology, All India Institutes of Medical Sciences, and Indian Institutes of Management, though Auroville’s case is based on civilizational and cultural significance, not academic excellence.
The committee noted that the Auroville Foundation receives annual grants from the Central Government through the Ministry of Education, as mandated under the Auroville Foundation Act, 1988.
These grants support the establishment, maintenance, and development of the township, though the Foundation also generates independent income through its activities.
Auroville was established in 1968 as an international cultural township, envisioned as a place where people from different nations live together beyond religion, nationality, and politics.
It is administered by the Auroville Foundation, a statutory body under the Ministry of Education, Government of India.
Auroville has residents from over 50 countries, reflecting its international and multicultural character.
The Ministry of External Affairs follows a special visa procedure for Auroville residents.
The Parliamentary committee strongly recommended the continuation of the five-year visa norm for foreign residents to safeguard Auroville’s international character and global identity.

CURRENT AFFAIRS : INTERNATIONAL NEWS

India Takes Over BRICS Presidency for 2026 from Brazil

Brazil formally handed over the rotating BRICS (Brazil, Russia, India, China, and South Africa) Presidency to India during the 4th BRICS Sherpas Meeting held on 11–12 December 2025 in Brasília, Brazil.
India will officially assume the BRICS Chairmanship on 1 January 2026, while Brazil remains the formal chair until 31 December 2025.
The symbolic handover involved a sustainably crafted wooden gavel, made by the Novo Airão community using Amazonian trees, representing environmental consciousness, shared responsibility, and enduring BRICS cooperation.
The gavel was handed over by Brazil’s Sherpa Ambassador Mauricio Lyrio to India’s Sherpa Ambassador Sudhakar Dalela.
Brazil’s 2025 BRICS Presidency theme was “Strengthening Global South Co-operation for More Inclusive and Sustainable Governance.”
Key achievements under Brazil’s Presidency included launching health and Artificial Intelligence (AI) partnerships, approving the first Climate Finance Framework, advancing trade and multilateral dialogue within the expanded 11-member BRICS, and issuing the Rio Declaration with 126 commitments.
India’s BRICS Presidency 2026 will follow a “humanity-first approach” proposed by Prime Minister Narendra Modi.
The four pillars of India’s 2026 BRICS agenda are Resilience (capacity to handle global economic shocks), Innovation (Digital Public Infrastructure and equitable AI access), Cooperation (intra-BRICS trade and global governance reform), and Sustainability (climate action, disaster risk reduction, and achievement of SDGs).

About BRICS :

BRICS was formed as BRIC in September 2006 following discussions at the UN General Assembly (UNGA) and was institutionalized in 2009.
South Africa joined in September 2010, adding the “S” to form BRICS; later Egypt, Ethiopia, Iran, and the UAE joined in 2024, followed by Indonesia in 2025, expanding the grouping.

CURRENT AFFAIRS : DEFENCE NEWS

Defence Research & Development Organisation, Rashtriya Raksha University Sign Memorandum of Understanding to Strengthen Research and Technology Cooperation in Defence and Internal Security

Defence Research & Development Organisation (DRDO) and Rashtriya Raksha University (RRU) signed a Memorandum of Understanding (MoU) to collaborate in research, education, training and technology support for defence and internal security.
The MoU was signed on December 22, 2025, at South Block, New Delhi, in the presence of Raksha Mantri Shri Rajnath Singh.
The agreement was inked by Dr Chandrika Kaushik, Distinguished Scientist & DG (Production Coordination & Services Interaction), DRDO, and Prof (Dr) Bimal N. Patel, Vice Chancellor, RRU.
Dr Samir V. Kamat, Secretary, Department of Defence R&D and Chairman, DRDO, was also present at the signing ceremony.
The MoU aims to strengthen India’s self-reliance in defence and internal security technologies, aligned with Aatmanirbhar Bharat, Amrit Kaal, and the whole-of-nation approach.
RRU, an institution of national importance under the Ministry of Home Affairs (MHA) and UGC-designated Nodal Centre for Defence Studies, will contribute academic, training and policy expertise in internal security.
DRDO, India’s premier defence R&D organisation, will provide indigenous technologies and system-level expertise for the Armed Forces and security agencies.
The collaboration includes joint research projects, PhD and fellowship programmes, and specialised training and capacity-building programmes for security forces.
The MoU also covers studies on emerging operational challenges, technology gap analysis, forecasting future requirements, and life-cycle management of DRDO-developed systems inducted into Central Armed Police Forces (CAPFs) and other MHA agencies.

Indian Navy Retires INS Sindhughosh, Lead Kilo-Class Submarine, After 40 Years of Service

The Indian Navy decommissioned INS Sindhughosh (S55), the lead Kilo-class diesel-electric submarine, after 40 years of service.
The decommissioning ceremony was held at Naval Dockyard, Mumbai, on 19 December 2025.
The event was presided over by Vice Admiral Krishna Swaminathan, Flag Officer Commanding-in-Chief, Western Naval Command.
The decommissioning marked the end of a four-decade-long operational career, highlighting INS Sindhughosh’s significant contribution to India’s maritime security.

India Optel Limited Partners with Safran for Indigenous Production of Advanced Defence Systems

India Optel Limited (IOL), a Mini Navratna Defence PSU, signed a collaboration agreement with Safran Electronics & Defense for Transfer of Production (ToP) of two high-precision, combat-proven defence systems, marking a major milestone under the Make-in-India programme envisioned by Prime Minister Narendra Modi.
The agreement enables indigenous manufacturing in India of the SIGMA 30N Digital Ring Laser Gyro Inertial Navigation System and the CM3-MR Direct Firing Sight, strengthening self-reliance in defence technologies.
The SIGMA 30N system is used in artillery guns, air defence systems, missiles and radars, while the CM3-MR Direct Firing Sight is designed for artillery guns and anti-drone systems.
The agreement was signed on December 22, 2025, in New Delhi by Shri Tushar Tripathi, Chairman & Managing Director (CMD), IOL, and Mr Alexandre Ziegler, Head – Defence Global Business Unit, Safran Electronics & Defense, in the presence of Shri Sanjeev Kumar, Secretary (Defence Production).
The collaboration builds upon the Memorandum of Understanding (MoU) signed in January 2024, reaffirming the long-term commitment of both partners to manufacture, support and sustain advanced defence systems in India.
Under the partnership, IOL will undertake manufacturing, final assembly, testing, quality control and full life-cycle support, ensuring the systems meet the operational requirements of the Indian Army.

CURRENT AFFAIRS : APPOINTMENTS & RESIGNATIONS

IIFL Finance Names Ex-RBI Deputy Governor BP Kanungo as Non-Executive Chairman

IIFL Finance Limited, a retail-focused diversified NBFC, appointed Bibhu Prasad (BP) Kanungo as Non-Executive Chairman of the Board with immediate effect on 19 December 2025.
BP Kanungo is a former Deputy Governor of the Reserve Bank of India (RBI) and is currently serving as a Non-Executive Independent Director on the IIFL Finance Board.
As Chairman, BP Kanungo will play a key role in framing strategic policies, strengthening corporate governance, and safeguarding shareholder interests.
BP Kanungo has nearly 40 years of experience in central banking, monetary policy, and financial regulation.
He served as Deputy Governor of RBI from 2017 to 2021 and was also a Member of the Monetary Policy Committee (MPC).

About IIFL Finance Limited (IIFL) also known as India Infoline Finance Limited :

It is a retail-focused diversified NBFC (Non-Banking Financial Company) in India.
Headquarters ; Mumbai, Maharashtra.
Founded : 1995
Founder and Managing Director (MD) : Nirmal Jain

CURRENT AFFAIRS : ACQUISITIONS & MERGERS

Protean eGov gets board nod to acquire 4.95% stake in NSDL Payments Bank

Protean eGov Technologies Limited (Protean), formerly known as NSDL e-Governance Infrastructure Limited, has received board approval to acquire a 4.95% stake in NSDL Payments Bank (NSDL PB).
The acquisition involves approximately 74 lakh equity shares at a price of ₹32.2 per share, amounting to a total investment of ₹30.2 crore.
The transaction will be completed through a cash-based equity subscription and is expected to be finalised within about 60 days from the execution of the agreement.
The acquisition aims to strengthen digital financial infrastructure by leveraging NSDL Payments Bank’s digital-first banking platform to expand Protean’s technology offerings.

About NSDL Payments Bank :

NSDL PB is a licensed payments bank operating under the regulatory framework of the Reserve Bank of India (RBI).
NSDL PB focuses on financial inclusion and digital payments, offering services such as digital savings accounts, fund transfers, and account-related services.
NSDL Payments Bank commenced operations in 2018 and functions as a subsidiary of National Securities Depository Limited (NSDL).

CURRENT AFFAIRS : SCIENCE & TECHNOLOGY

Indian Space Research Organisation’s LVM3-M6 to Launch AST SpaceMobile’s BlueBird Block-2 Satellite

Indian Space Research Organisation’s (ISRO) LVM3-M6 mission will launch the BlueBird Block-2 satellite on December 24, 2025, as part of a commercial agreement with the U.S.-based AST SpaceMobile.
The mission will lift off from the Second Launch Pad at Satish Dhawan Space Centre (SDSC), Sriharikota, after being rescheduled from mid-December following readiness assessments.