Mains Answer Writing - 12 Feb, 2026

GS2

SOCIAL_ISSUES_AND_SCHEMES

10 marks

Discuss the significance of the PM-SURAJ Portal in promoting inclusive entrepreneurship among marginalized communities in India.

Structure around the theme of inclusive growth: Begin with a brief introduction linking PM-SURAJ to Articles 46 and 38 (promotion of SCs, STs, OBCs and weaker sections). In the body, organise points under financial inclusion, digital governance, and social justice outcomes.
Highlight “how” not just “what”: Don’t merely describe features. Explain how centralised application, direct bank transfer, low-interest credit (up to ₹15 lakh), and involvement of NSFDC/NBCFDC reduce barriers like middlemen, information asymmetry, and credit exclusion.
Add value through challenges + way forward: Briefly mention implementation challenges (digital divide, awareness gaps, repayment risks) and suggest improvements (financial literacy, mentoring, convergence with Skill India/Stand-Up India, monitoring mechanisms).

5.5/10

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