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.
Tips for your answer
- 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).
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