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Articles
 
partiyogita darpan page No 107

partiyogita darpan page No 107

Indian Planning Scenerio and its Impact on Economy
—Dr. Umesh Agarwal
Planning refers to that process, where in, central planning authority keeping in view the
resources of the country, makes an attempt to control economic factors with a view to
achieving pre-determined objectives within a specified period of time. Our country has
adopted it from the year 1950-51 by way of formulating and implementing five year plans
for the purpose of rapid development in the country. In this regard, it is also a fact that
 among all developing democratic countries of the world, India was the first country that
had chosen the path of economic planning for its faster development soon after achieving
independence. Efforts were also made in this direction by some social activists and
thinkers in our country even before the independence. Sir M. Vishveshwarya, an eminent
 engineer and statesman, in his book, Planning Economy for India (1934), had for the
first time laid stress on scientific plan-ning for the economic re-construction of the
country. In his proposed model of planning, he had given top-priority to industrialization
in the country. In the year 1938, All India Congress appointed National Planning
Com-mittee under the chairmanship of late Pt. Jawaharlal Nehru. With the establishment
of this committee, the idea of planning in India acquired special importance. National
Plan-ning Committee, in its report, attemp-ted a compromise between private sector and
socialism. In the year 1940, eight prominent industrialists of India prepared their own
plan, called Bombay Plan. The plan aimed at doubling per capital income in 15 years by
 making an outlay of i 10,000 crore. Almost at the same time, late Shri M. N. Roy, a
great social activist presented a plan, called—Peoples Plan. It envisages total
expenditure of Z 15,000 crore in 10 years to double the per capital income. This Plan
laid emphasis on the development of agriculture.
In the year 1944, Shrimana Narayan Agarwal, a social reformer, presented an another
 plan called Gandian Plan. It aimed at establish-ing decentralised economy, so that,
Indian villages may become self-sufficient. In the year 1944, Govern-ment of India set
up a Department of Planning and Development for the economic reconstruction of the
country in the post-war period. After independence in January, 1950, a great Sarvodya
leader, Shri Jai Prakash Narayan prepared a plan known as Sarvodaya Plan well before
Indian Government took decision to follow five year plan strategy. It aimed at economic
social, and political development of the country. In this regard, we remember the words
 of then Prime Minister Pt. Jawahar Lal Nehru, he gave on the eve of Independence Day,
i.e., August 14, 1947, Long years ago we made a tryst with destiny, and now the time
comes when we shall redeem our pledge. The achievements we cele-brate today is a step,
an opening of the opportunity, to the great triumph and achievements that await us. On
this occasion, he also reminded the country that the tasks ahead included the ending of
poverty ignorance, dis-eases and inequality of opportunity. These were the basic
foundations on which India embarked upon its path of development after getting
Independence. Since independence, Indian Eco-nomy has been promised on the concept of
Planning. This has been carried out through the five year plans, formulated executed
and monitored by the Planning Com-mission. Actually, the objective of Indias development
 strategy has been to establish a socialistic pattern of society through economic growth
with self-reliance, social justice and alleviation of poverty. These objec-tives were to
be achieved within a democratic political framework using
the mechanism of a mixed economy, where both public and private sectors coexist.
Therefore, our country initia-ted planning process for national economic development with
the esta-blishment of the Planning Commis-sion. The Planning Commission was set-up by a
 resolution of the Govern-ment of India in March, 1950 in pursurance of declared
objectives of the government to promote a rapid upliftment in the standard of living of
the people by efficient utilization of the resources of the country, increas-ing
production and offering ohor-tunities to all for employment in the service of the
community. It is worth mentioning here that there is no mention regarding the
establishment, organisation and responsibilities of Planning Commission in our
consti-tution. Therefore, it is has no consti-tutional authority so far, while the
Planning Commission has been practically charged with the responsi-bility of making
periodic assessment of all xesources of the country, aug-menting deficient resources,
formu-lating plans for the most effective efficient, judicious, and balanced utilization
of resources and deter-mining priorities. The Prime Minister is the Ex-officio Chairperson
 of the Planning Commission, which works under the overall guidance of the National
 Development Council. Pt. Jawaharlal Nehru was the first Chairperson of the Planning
Commission. The Deputy Chairperson and the full time members of the Commission, as a
composite body, provide advice and guidance to the Subject Divisions for the formulation
of Five Year Plans, Annual Plans, State Plans, Monitor-ing Plan Programmes, Projects and
 Schemes. The Commission has a nominated Deputy Chairperson, who holds the rank of the
Union Cabinet Minister. In a real sense, Deputy Chairperson holds the overall
responsibilities of the Commission.
PD/March/2015/92 A Journey of a thousand miles begins with a single step.
1

All the full time members of the Planning Commission hold the rank of Union Minister of
State. Actually, Five Year Plans are centralized and integrated national economic
deve-lopment programmes. Among all the nations in the world, Joseph Stalin of Soviet
Union implemented the first Five Year Plan in the Soviet Union in the late 1920s. Most
of the communist nations and several capitalist coun-tries subsequently have adopted them.
Our country launched its First Five Year Plan in the year 1951, immediately after
 independence under the socialist influence of our first Prime Minister Jahawaharlal Nehru.
 From a highest centralised planning system, Indian economy is gradually moving towards
indicative planning. Since April 1, 1992 (i.e., Eight Five Year Plan). National Development
 Council are establishment in August 1952, by an executive resolution of Govt. of India.
It is neither a constitutional body nor a statutory body, even then, it is a highest
 political forum below the Parliament, responsible for policy matters and formulaiton of
 a five year plan which consists of all the Chief Ministers of States, Administrators of
all Union Territories, Chairperson, Deputy Chairperson and all members of the Planning
Commission, various Central Cabinet Ministers, some of the advisors, experts and
secretaries of Central Government. On their approval, these reports are published in the
form of a document. On the basis of the preliminary studies undertaken by the groups and
discussions with the various interests, the commission presents the main features of the
plan under formula-tion in the form of a Draft Plan, which is discussed in detail by the
Central Cabinet and is placed again before the National Development Council. With the
approval of the Council, the draft plan is published for public consideration and
countrywide debate. The comments and sugges-tions on the draft plan offered by members of
Parliament and people from different walks of life are taken into consideration in the
preparation of the final document of the plan. This document, prepared by the Planning
Commission, outlines the objective, policies and programmes of the plan. Then, it is
submitted to the
National Development Council. With such modifications as the National Development Council
 might suggest, the document is presented to Parlia-ment for final approval. Each plan is
formulated to achieve the set objectives. In order to achieve these objectives, certain
activities are under-taken. Since inception, we have for-mulated and implemented eleven
five year plans and six annual plans (See Table-1). Twelfth Five Year Plan is under
implementation since April 1, 2012 and will continue till March, 31, 2017. Indias 1st
 Five Year Plan (1951-56) emphasised mainly on agricul-ture, including projects that
combined irrigation and power generation as a highest priority area. This first plan had
two-fold objectives. Firstly, it aimed at correcting the disequilibrium caused by the
Second World War (1939-45) and the partition of the country as a result of independence.
 Secondly, it proposed to initiate simultaneously a process of all round balanced
development which would ensure a rising national income and a steady improvement in
living standards over a period. In this plan, the investment pattern was worked out with
 due regard to the immediate objectives and the resources imme diately insight. The total
 planned budget of Z 1960 crores was allocated to seven broad areas like-Agriculture and
irrigation, power, industry, trans, port and communication, social ser-vices and other
sectors and services. This Plan was formulated on a growth model developed by English
econo-mist Roy F. Harrod and Russian—American economist—Evesy Domar, called as
Harrod-Domar Model. According to this model, growth depends on the policy to increase
 investment by increasing saving and using that investment more effici-ently through
technological advances. Therefore, the most important feature of this plan was the active
role of state by investing maximum amount in all the economic sectors. The target annual
growth rate of 2.1% was fixed but achieved growth rate was 3-6%. Many irrigation projects
 were initia-ted during this period, including the Bhakra Dam and Hirakud Dam. Community
Development Program-me was also launched in the year 1952 which yields very good results.
 
•-
At the end of the plan period, in the year 1956, five Indian Institutes of Technology were
 started as major technical institutions. The University Grant Commission was also set up
 to take care of funding and take measures to strengthen the higher education in the
country. Contracts were also signed to start five heavy steel plants, which came into
exis-tence in the middle of the second five year plan. The plan was accepted by all the
 sections as a successful one. The 2nd Five Year Plan (1956-61) emphasised on
industrialisation of basic and heavy industries in the public sector and improvement
of the existing infrastructure. The plan also stressed on social goals, such as
dis-tribution of income and extension of the benefits of economic development to the
 large number of disadvantages people. The plan followed the Maha-lanobis model of
Development, an economic development nyt•del, deve-loped by the Indian
statistician—Mr. Prasanta Chandra Mahalanobis which emphasized the adoption of large
scale industrialisation program-mes in the country and a strategy of planning aimed at
relatively faster development of heavy capital goods and investment goods industries.
To determine the optimal allocation of investment between productive sectors in order to
maximize the long run economic growth. During this plan, several hydroelectric power
projects and five steel plants at Bhilai, Durgapur and Rourkela etc. were also established.
 More railway lines were also added in the north eastern states. The Tata Institute of
Funda-mental Research was established as a premiere research institute during this plan
period. The total amount allocated under the second five year plan in India was Z 4672
crores. The target growth rate for this plan period was fixed at 4.5% per annum and the
growth rate achieved was 4-27%. In the year of 1956, Industrial Policy was also declared
 by the Govt. of India to boost the industrial sector. The 3rd Five Year Plan (1961-66)
aimed at a substantial rise in per capital income while expanding the industrial base and
 rectifying the scope of agriculture in the previous plan. In this plan, growth rate was
anticipated at 5.6% but achieved only 2.84% per annum. Actually, this plan
PD/March/2015/93 How you do one thing, is how you do everything. Be aware.

M;.
was a failure one because of several reasons. In the year 1962, China attacked on us and
war was fought. This Indo-China war exposed the weaknesses in our economy, there-fore, our
toes was shifted toward the defence industry and the Indian Army. In the 1965-66, India
fought a war with Pakistan. There was also a severe drought in the year 1966-67. The war
and drought situation throughout the country, led to high inflation. Therefore the priority
 of the plan was shifted to the price stabiliz-ation. But, even after miserable economic
situation, the construction of our river dams was continued. Many cement and fertilizer
 plants were also established during this plan period & their production was also
 increased. In an effort to bring democracy to the grassroot level, Panchayat Elections
 were started during this plant period and the states were given more development
 responsibilities through Panchayats. The outlay of this Plan was approxi-mately double
the size of the earlier Plan, i.e., Z 8577 crores. But due to miserable failure of this
 plan, our Government was forced to declare plan holidays from the year 1967 to the year
 1969. Three annual plans were formulated during this inter-vening period and very low
growth rate could be achieved. Due to our low average growth rate during these first three
 five year plans and three annual plants, Western Economists termed this period as Hindu
 Growth Rate Period as our criticism. The 4th Five Year Plan (1969-74) called for a
 24% increase over the third plan in real terms of public development expenditure. The
public investment accounted for 60% of plan expenditures and foreign aid contri-buted
13% of public outlay and financing. Agriculture, including irri-gation, received 23% of
public outlay, rest was mostly spent on electric power, industry and transportation.
 Although, the plan projected growth rate at 5.7% a year, and realized one was only 3-3%.
 The actual expendi-ture under the fourth plan was Z 15,779 crore as against the plan
outlay of Z 15,900 crore. The highest allocation as earlier was kept for the transport
and communication sector with 3,080 crore, i.e., 19-5.per cent of total expenditure.
The second highest
_ ._______ _  • _ _
allocation under this plan went to power sector with its share of Z 9,293 crores, i.e.,
18-6%. At this time, Mrs. Indira Gandhi was the Prime Minister of India. As a major step,
 her Govern-ment nationalised 14 major Indian banks in the year 1969. During this period,
 Green Revolution was initiated in India which advanced our agriculture sector in a broad
 way. The Total Public investment of this plan was Z 15,779 crore while target growth rate
 for this plan was fixed at 5.7% but the growth rate of 3.3% per annum was achieved. The
5th Five Year Plan (1974-79) was drafted in late 1973 when com-modities prices in India
were rising rapidly. The plan was subsequently approved in the late 1976 but was
terminated at the year 1978 instead of 1979 because the new Janata Party Government rose
to power and had different priorities and programmes. The fifth five year plan proposed a
 public sector outlay of Z 37,250 crore whereas the actual expenditure was rose
to Z 39,426 crore. The highest priority in this plan was accorded to the industry sector.
 As a result of the energy crisis that emerged in the country toward the end of the fourth
plan, but due to a steep rise in petroleum prices effected by the Oil and Petroleum
Exporting Countries, our government decided to pay more attention to the power sector in
fifth five year plan period. The Electricity Supply Act was also amended in the year 1975,
 which enabled the Central Government to enter into power generation and transmission
 sector. The Indian National Highway System was also introduced during this plan and many
roads were widened to accommodate the increasing traffic. The Fifth Five Year Plan laid
stress on the employment, poverty alleviation and social justice. The plan also focussed
on self reliance in agricultural production and defence production at high rate of growth,
 better distribution of income and significant growth in the domestic rate of savings were
 seen as key instruments. As mentioned earlier that the Janta Party Government rejected
the fifth five year plan and discounted it in year 1978 instead of 1979. They also
introduced a new sixth five year plan (1978-1983) which was referred to as a Rolling Plan.
 
This plan was again rejected by the Congress Government which again came to power in year
1979. In the year 1980, a new sixth plan (1980-85) was made.
The 6th Five Year Plan (1980-85) marked the beginning of economic liberalization. Price
 controls were eliminated in a broadway. This led to an increase in the food prices and
an increase in the cost of living. Actually, this was the end of Nehruvian Socialism. In
this plan, a total of Z 1,10,467 crore was spent to achieve the high economic growth rate.
 The sixth five year plan was a great success to the Indian economy, though, during the
last year of the plan i.e., in 1984-85, many part of the country faced servers famine
con-ditions and agricultural output was less than the record output of the pre-vious year.
 However, this plan could be taken as a successful one. The target growth rate was fixed
5.2% per annum but the actual growthirate was achieved at 5.7% per annum. The 7th Five Year
 Plan (1985-90) laid stress on improving the pro-ductivity level of industries by
upgrading of technology. The objec-tives of the seventh five-year plan were to establish
growth by increas-ing economic productivity, produc-tion of foodgrains and generating
employment at mass scale. The thrust areas of the this plan were the social justice,
removal of oppression of the weiker groups using modern tech-nology, agricultural
development, anti-poverty programmes, vast supply of food, clothing and shelter,
increasing productivity of small and large scale farmers and making India an independent
 economy. Based on a fifteen year period of striving towards steady growth, this plan was
focussed on achieving the prerequi-sites of self-sustaining growth by the year 2000. The
plan expected the labour force to grow by 39 million people and employment was expected
to grow at the rate of 4% per year. Under this plan period, India strove to bring about a
self-sustained eco-nomy in the country with valuable contributions from voluntary
 agen-cies and the general populace. Total public sector investment of this plan was
Z 2,18,750 crore. The target growth rate for this plan was 5.0% and the actual growth
rate was achieved 6% per annum.
PD/March/2015/94 Uncertainty is the only certainty there is, and knowing how to live with
 insecurity is the only security.


A
Different Five Year Plans : Investment, Growth and Priorities
Five Year Plan and S.No. Plan Period Public Sector Investment (in crore Z) Target of
Growth Rate (in % per annum) Achievement (in % per annum) Highest Priority Area/Focus 1.
 1st Plan (1951-56) 1,960 21 3.61 Bosting Agriculture and Irrigation 2.I 2nd Plan
(1956-61) 4,672 4.5 4.27 Repid Industrialization 3. 3rd Plan (1961-66) 8,577 5.6 2-84
Self Reliant and Self Generating Economy 4rh Plan (1969-74) 15,779 5.7 3.30 Growth with
Stability 5th Plan (1974-79) 39,426 4.4 4.80 Removal of Poverty and Growth with Social
Justice 6th Plan (1980-85) 1,10,467 5.2 5.7 Increase in National Income 7th Plan (1985-90)
 2,18,730 5.0 6.0 Rapid Growth in Food Grain Production 8th Plan (1992-97)
 4,34,100 5.6 6.8 Human Resource Development 9th Plan (1997-02) 8,59,200 6.5 5.4 Growth
 with Social Justice and Equality 10. 10th Plan (2002-07) 15,25,639 8.0 7-5 Ensure Equity
 with Social, Justice 11. 11th Plan (2007-12) 36,44,718 9.0 8-3 Repid and Inclusive Growth
 12. 12th Plan (2012-17) 76,69,807 8.0 Continued Faster, Sustainable and More Inclusive
Growth
Source : Economic Survey 2012-13 and various five year plans, Planning Commission Govt. of
India, New Delhi.
The 8th Five Year Plan was implemented in the country between 1992-97. Prior to this
 period, the years of 1989-91 were a period of economic instability in India and hence no
 five-year plan was formulated between 1990 and 1992. There were only two annual plans
formulated and implemented during this period. Actually, in the year 1991, India faced a
crisis of foreign exchange reserves, left with reserves of only about US $ 1 billion.
Thus, under pressure, the country took the risk of reforming the socialist economy. Then
Prime Minister, P.V. Narasimha Rao was also the Head of the Congress Party. He led one of
 the most efficient administrations in Indias modern history, overseeing a major economic
 transformation and several incidents affecting national security. At that time.
Dr. Manmohan Singh who led the country as Prime Minister for ten years (2004-2013), as
 Finance Minister launched Indias free market reforms that brought the nearly bankrupt
nation back from the edge. It was the beginning of privatization, globali-zation and
liberalization era in India. During the eight plan period, moder-anization of industries
 was a major challenge. Under this plan, the gradual opening of the Indian eco-nomy was
also undertaken to correct the burgeoning deficit and foreign debt. Meanwhile, India
became a member of the World Trade Organi-
PD/March/2015/95
sation on January 1, 1995. This plan was said to be based on Rao-Manmohan Singh Model
of Deve-lopment. The major objectives of this plan were included the controlling of
population growth, poverty reduction, employment generation, strengthening infrastructure,
 tourism management, and human resource development. Energy was given the top priority
with 26.6% of the total outlay of the plan. An average annual growth rate of 6.8% was
achieved against the target of 5-6%. The 9th Five Year Plan (1997-2002) came after
50 years of Indias Independence. Atal Bihari Vajpayee, a leader National Democratic
Alliance was the Prime Minister of India during this plan period. The Special Action Plans
 covered the various areas related to the social infra-structure, agriculture, information
 technology and water resources. This Plan had a total public sector plan outlay of
8,59,200 crore and saw a hike of 48% in terms of plan expendi-ture and 33% in terms of
the plan outlay in comparison of the previous plan. The prime focus of this plan was to
increase economic growth in the country with an emphasis on social justice and equity.
This Plan placed considerable importance on combining growth oriented politics with the
mission of achieving the desired objective of improving policies which would work towards

If opportunity doesnt knock, build a door.
the improvement of the p4ors in the country. The ninth five year plan achieved a growth
rate of 5.4% against a target rate of 6.5% per annum. The main aim of the 10th Five Year
Plan (2002-07) was to make the Indian economy-the faster growing economy in a world, with
a growth target of 8% per annum. It wanted to bring in investor-friendly market reforms
and create a friendly environment for growth. It sought Active participation by the
private sector and increased foreign direct investment in the financial sector. In this
 plan, an emphasis was laid on corporate transparency and impro-ving the infrastructure.
 It sought to reduce poverty ratio by 5 percentage points by the end of this plan.
Providing gainful high quality employment to the labour force was targeted over the tenth
 plan period. Universal access to primary education by the year 2007 was also targeted in
this plan. Reduction in decadal rate of population growth between 2001 and 2011 to
16.2% and Increase in literacy rate to 72% within the plan period was fixed. Actual public
 sector expenditure in this plan amounted to 15,25,639 crore. Largest expenditure of as
much as 27.0 per cent was made in the social services sector followed by energy sector at
22-5%. Expendi-ture on transport and communication sector was fixed at 21.4% per cent.
The agricultural sector accounted



for 13-3 per cent of the total plan expenditure. Industry and minerals got only
40 per cent of plan resour-ces. The growth rate achieved in the tenth plan period at
 7.5 per cent per annum was close to the target of 8.0 per cent. The 11th Five Year Plan
(2007-12) emphasized Faster and more inclusive growth while the target of economic
growth was kept as high as 9 per cent annum which may yield broad based benefits and
ensure. equality of opportunity to all. This broad vision of the eleventh plan included
 several inter-related com-ponents, such as rapid growth that reduces poverty and creates
 employ-ment opportunities, access to essen-tial services in health and education
especially for the poor, equality of opportunity, empowerment through education and skill
development, employment opportunities under-pinned by the National Rural Employment
 Guarantee scheme, environmental sustainability, womens empowerment and good governance.
 Its strategy for inclusive growth was not just a conventional strategy to which some
elements aimed to inclusion had been added. On the contrary, it was a strategy which aimed
at achieving a particular type of growth process which could meet the objectives of
inclusiveness and sustainability. This strategy was based on sound macro-economic policies
which establish the macro-economics precondition for rapid growth and support the key
drivers of this growth. To achieve its objec-tives, some sector specific policies were
pronounced to ensure that the structure of growth is generated and the institutional
environment in which it occurs, achieves the objective of inclusiveness in all its many
dimensions. With its strategy of faster and inclusive growth, the eleventh plan identified
 27 monitorable targets at the national level of which 13 can be desegregated at the level
 of individual states. These 27 monito-rable targets at the national level were divided
into 6 main categories like income and poverty, education, health, women and children,
 infra-structure and the environment. During this plan period, the growth rate was
achieved at 8.3 per cent per annum against the target of 9%.
Progress in Various Development Indicators during 1st to 11th Plan Period
S.No.
Indicators
At the beginning of 1st Plan
At the end of 11th Plan
1. 2. 3. 4. Population (in crore) Birth Rate (per 1000) Death Rate (per 1000) Life
Expectancy (at birth in years) 3•61 39.9 27.4 32.1 121.0 21.8 7.1 66.1 (i) For
 Male 32.5 64.6 (ii) For Female 37.7 67.6 Literacy Rate (in %) 18-3 74.1 (i) For
Male 27.2 82.1 (ii) For Femaile 8.9 65.5 6. Doctors (per 10,000 population) 1.7 7.6 7.
 Gross National Income (in crore Z) 9,995 82,76,665 8. Annual Growth Rate of Income
(in %) 5-7 15.2 9. Gross Domestic Product (in crore Z) 2,79,618 52,43,582 10. Five Year
Plan Outlay (in crore Z) 1,960 76,69,807 11. Foodgrain Production (in million tonnes)
 50.8 527-4 12. Steel Production (in crore Z) 010 82.8 13. Electricity Generated
(in billion kwh) 05.0 877 14. Export (in crore Z) 606 14,65,959 15. Import (in crore ?)
 608 23,45,463 16. Foreign Exchange Reserves (in crore Z) 911 13,A,954 17. Per Capita
 Income (in crore ?) At Current Price 3,678 60,603 18. Per Annum Growth Rate (in %) 1-2
6-2
Source : Economic Survey 2012-13 and various five year plans, Govt. of India, New Delhi.

Planning Commission
The 12th Five Year Plan (2012-17) aims to achieve faster, sustainable and more inclusive
growth. In this regard, the twelfth plan document states that inclusive growth should
result in lower incidence of poverty, broad-based and significant improve-ment in health
outcomes, universal access for children to school, increased access to higher education
 and improve standards of education, including skill development. It should also be
reflected in better opportu-nities for both wage employment and livelihood, and
improvement in the provision of basic amenities like water, electricity, roads, sanitation
and housing. The growth rate for the entire plan period has been fixed at 8 per cent per
annum by the Planning Commission. In this regard, the Planning Commission has also
indicated recently that due to the present global economic scenario, it may not be
feasible to achieve 8 per cent growth during the current financial year. There is a need
to plan for a gradual build up to high growth in the next years accelerating further.
Thereafter to take the economy back towards 9 per cent growth in the last three years of
 the plan as first two
years of the 12th Plan, Indias eco-nomy grew by about 5 per cent, the slowest in a
decade. The Commission has also expected that the economy will bounce back to the higher
 growth trajectory and on the whole, the target of 8 per cent annual average growth rate
 during the 12th Plan period may be difficult but not impossible to achieve. To achieve
this growth rate, public sector outlay is fixed as 76,69,807 crore, which is the highest
 till ever. Deputy Chairman of Plan-ning Commission has announced recently that the
Planning Com-mission will conduct the mid-term review of the twelfth Five Year Plan by
the end of 2014, for which the preparatory work has started already. Actually, the
objectives of twelfth plan are ambitious and achieving them will be difficult. Therefore,
 this is a national challenge that the entire political and intellectual leadership of
 our country must come to grips with. It is a challenge for newly elected Central
Government and also for state governments to achieve the proposed growth during the
twelfth plan period.
 

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Banking service chronicle

 BSC and Banking Services Chronicle are familiar names among lakhs of students. In fact, BSC has become synonymous with professionalism and excellence in the field of competitive exams. Bsc banking services chronicle is a friend and a guide to the youth standing at a crossroads in their career. Bsc banking services chronicle effort is to make sure that you have a noble aim in the first place, and then to see that you land bang on target.

 
Banking service chronicle set out with a missionary zeal with the October 1993 issue of the Banking service chronicle And we are proud to say that our zeal has only strengthened with more than two decades of your unstinted support. Banking service chronicle have been bringing one product after another — correspondence course, books, classroom coaching, online and offline tests, and websites.
 
bsc academy magazine since 1993. Through our monthly magazine and books bsc academy magazine  take care of your need to prepare for Bank PO Clerk and SSC exams. Our Previous Papers, Practice Sets, news coverage and other study materials guide you to the path of success by bsc academy magazine
   
 

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B positive magazine :
 
B Positive Magazine a national health and lifestyle magazine BPositive prides itself in caring for the health of its enthusiastic readers from all realms of the society health magazine all the 45 Apollo Hospitals, 64 Clinics, 1000 Pharmacies etc. B Positive Magazine any one can have a health body and can avoid unwanted fats that are gained in the body of the reader.
 
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Competition success review :
 
Competition Success Review Hindi Magazine is for the aspirants who are preparing for different competitive exams for various sectors   Competition success review every issue contains solved question papers of different examinations to acquaint students with the trend of questions that are asked. For over three decades Competition success review is now available online
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Engineering success review magazine :
 
Engineering success review  covers all engineering exams this magazine published by competition success review , Delhi based company competition success book  covers all competitive exams books ,  engineering review is all india top magazine students who are  seeking their career in engineering can  avail this magazine by subscribing Engineering success review magazine
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Banking and you magazine :
 
Banking and you magazine is a magazine for the aspirants who are seeking their career in banking services side Banking and you magazine is one of its own kind where it caters the needs of the asprants who are writing IBPS or other bank and insurance exams Ban
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Mathematics today :
 
Mathematics today magazine a MTG Learning Media Pvt. Ltd. is a pioneer in the education publishing business in India, catering to the needs of IIT and PMT aspirants Mathematics today magazine mtg Established in 1982, the group is committed to improving the quality of science education, enhancing students  interest in Maths pcmb today magazine subscription mtg supplies the essential material such as important texts, sample papers, previous years  papers, flowcharts and memory tips required for achieving success in pre-medical exams
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Tulip magazine :
 
Tulip magazine is a Hyderabad based life style magazine   Tulip magazine is published by bilgrami publications pvt ltd an Hyderabad based company tulip covers the night life socialites and other prominent personalities of Hyderabad  tulip has the contents  such as cover story  fashions features special then tulip has life style  and other issues in the different issues of tulip Hyderabad  has an online magazine and app for the lovers who do not have time to buy the magazine 
 
 
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Competition wizard :
 
Competition wizard is a magazine which is very much useful for the aspirants who are seeking their career  in civil services  Competition wizard is published by Competition wizard Delhi based   wizard magazine is a kind of magazine which gives good knowledge to the aspirant seeking their career in civil services wizard magazine has current affairs question bank  then it has practice questions and authentic answers  wizard magazine has regulars  then it has got updates  and focus articles that helps the aspirant to have better knowledge and subject grip for the exam he is preparing
 
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Junior science refresher :
 
Junior Science Refresher is a good popular science magazine  published by  bright group of publications(junior science refresher)  this magazine is use full for iit jee and 12th class students this is magazine gives good knowledge to the stuents who are preparing for iit jee and 12th standard Junior science refresher online subscriptions are now available 
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General knowledge refresher :
 
General knowledge refresher General knowledge has been defined in differential psychology as culturally valued knowledge communicated by a range of non-specialist media General knowledge refresher is printed and published by Bright Group Delhi based company General Knowledge Refresher was established in 1968 general knowledge refresher magazine the aim of the magazine was to impart a postal coaching distance education to students preparing for various competitive examination all over the country.
 
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Biology today magazine :
 
Biology today magazine is one among the four competitive magazines published by MTG Learning Media Pvt. Ltd. With a readership of more than one crore  readers biology today magazine mtg Established in 1982, the group is committed to improving the quality of science education, enhancing students interest in science biology today magazine subscription is now available online where the aspirant can get his copy to the place he is residing by paying
 
 
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Competition refresher :
 
competition refresher is a general knowledge magazine for the aspirants who are seeking their career in civil services  like UPSC and other competitive exams competition refresher is published and printed by Bright  career publications Delhi based competition magazine subscribers can get their subscriptions at the place they wish to get without wasting time
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csr gk today :
 
Csr Gk Today is a magazine which can be used by all individual as it has general knowledge which gives good knowledge for every one Csr Gk Today is published by competition review pvt ltd a Delhi based company Csr Gk Today is also for the aspirants who are seeking their carrier in UPSC SSC bank s insurance  and other competitive exams exams   competition success review gk today subscription are now available online where anyone who wishes to get the magazine can book  it online and get their subscription at the place they wish to have
 
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Competition success review hindi :
 
Competition Success Review Hindi Magazine  is published by competition review pvt ltd New Delhi Competition Success Review Hindi Magazine is for the aspirants who are preparing for different competitive exams  for various sectors   Competition Success Review Hindi Magazine  covers everything that is asked in different examinations held for selection of candidates for jobs throughout India.
 
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Knowledge quest magazine :
 
Knowledge Quest Magazine is an individual company based in jaipur   Knowledge Quest Magazine is children magazine which gives good knowledge to the students about science  health and general awareness and general knowledge for the child  knowledge quest journal helps the child to gain good knowledge and it gives  wide knowledge of various subjects to the students  knowledge quest journal reading makes the students to know more about the health tips and gives them guidelines about various subjects  
 
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Andariki ayurvedam magazines :
 
Andariki Ayurvedam is basically a medical magazine which is needed by each and every person as this magazine has tips for healthy body and mind with Ayurvedam  Andariki Ayurvedam is a hyderabad based company  situated in Jubleehills Andariki Ayurvedam  has also got an hospital where the patients are treated in the hospital for different diseases  andariki ayurvedam monthly magazine tells how to protect the parts of the body using simple herbs  in Ayurvedam  
 
 
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partiyogita darpan hindi :
 
Partiyogita Darpan Hindi is an individual company from Agra Partiyogita Darpan Hindi is a magazine for the aspirants who are seeking their career  in different sections such as banks upsc NDA  Law or other  competitive exams  like state and union civil services exams Partiyogita Darpan Hindi indias largest youth read magazine with over 4.9 million readers pratiyogita darpan hindi magazine subscription  is now available online so that the aspirants can have their magazine at the places where they wish to have
 
 
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Renu general knowledge :
 
renu general knowledge, best general knowledge magazine in india published by kiran prakashan, articles content covers bank exam questions and answers of general knowledge, basic general knowledge, general knowledge questions and answers for competitive exams,  renu general knowledge, online subscription are now available for the aspirant books your copy online today and get it to the place where you want to deliver  
 
 
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Competition in focus :
 
Competition in Focus Arihant Publication is the monthly magazine on Current Affairs and General Knowledge.  Competition in Focus Arihant Publication is published by Arihant Media Promoters an Uttar Pradesh Based company Competition in focus magazine is useful for all those preparing for Civil Services, Bank Exams, NDA or any other competitive exam  Competition in focus magazine is now available for the aspirant online so that the aspirant can book his yearly subscription and get the copy at the place where he is residing
 
 
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Physics for you magazine :
 
MTG Physics a MTG Learning Media Pvt. Ltd. is a pioneer in the education publishing business in India, catering to the needs of IIT and PMT aspirants MTG Physics is one among the four competitive magazines published by MTG Learning Media Pvt. Ltd. With a readership of more than one crore readers physics for you mtg Established in 1982, the group is committed to improving the quality of science education, enhancing students  interest in Maths, pcmb today magazine subscription mtg supplies the essential material such as important texts, sample papers, previous years  papers, flowcharts and memory tips required for achieving success in pre-medical exams. 
 
 
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Master In Current Affairs English :
 
mahendra current affairs published by mahendra publication best magazine for banking exams, they covers  banking, SSC, LIc and others exams, mahendra publications books for bank exams, mahendra bank po study material, mahendra publications books online Master In Current Affairs English online subscriptions are now available the aspirants can book their copy online to enjoy uninterrupted reading of magazine 
 
 
 
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Cricket Today Magazine :
 
Cricket Today Magazine is published by a Delhi-based company, Diamond Magazines Cricket Today Magazine is a monthly cricket magazine in English has the support of very experienced professionals. Cricket Today Magazine is an ultimate ode to the cricketing world cricket today magazine subscription has online subscriptions by which any readers can become subscriber online and get his magazine to the place where one lives
 
 
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Current Affairs Magazine career digest :
 
current affairs magazine is for the aspirants who are appearing for ibps, ssc, and other competitive exams current affairs magazine is a delhi based publication and is a monthly magazine with an affordable price for the aspirants who are appearing for the competitive exams current affairs magazine covers subjects like success saga and it has current affairs for SBI one liners Current affairs has also spot lights other Current affairs that are happening in the world Current affairs gives us a glance over the happenings that are happening in the nation and outside the nation  
 
 
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Arihant current affairs :
 
Current affairs  Arihant is a magazine published by Arihant  Media Promoters  of Meerut in Uttar Pradesh Current affairs  Arihant is a magazine for aspirants  who are seeking their career in various kinds of competitive exams in different  sectors  Current affairs  Arihant gives the aspirant as much news about the current updates that are happening across the nation and internationally  current affairs arihant publication  is a monthly magazine which comes in the second week of every month
 
 
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Gruha Laxmi Magazine :
 
Grihalakshmi magazine is a monthly magazine published by diamond publication a Delhi based publication   Grihalakshmi magazine is a women centric magazine which deals about many issues of the women  grihalakshmi  speaks about the cookery class that are given to the home wifes so that they can make new kinds of dishes for their families grihalakshmi has also tips of interior designing which helps the women to design their homes in a better way  
 
 
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Contemporary Issues :
 
contemporary issues magazine is magazine that helps the aspirants who are seeking their carrer in civil services  contemporary issues magazine is printed and published by digmani educations  contemporary issues magazine gives very much useful information  to the aspirants who are preparing for the civil services and other competitive exams  contemporary issues monthly magazine has online subscriptions though which the aspirant can get his magazine to any place he wishes
 
 
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World Focus Magazine :
 
World Focus (English) is a widely read monthly journal of discussion, which has completed thirty three years of continuous publication in India. World Focus brings out a discussion each month on current affairs which has a bearing on current affairs, international affairs, economic diplomacy, foreign policy and national security issues. The journal is popular among civil service examination aspirants, students and research scholars, policy makers, administrators, members of parliament, journalists, politicians, universities and research organizations
 
 
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Wow Magazine :
 
wow magazine is a Hyderabad Life style Magazine published and printed by published by Hyderabad based company wow magazine Hyderabad covers the life style of many people and many socialities who are living across Hyderabad wow magazine Hyderabad has cover stories then food  and it also speaks about the health in wellness wow magazine Hyderabad then has tourist info for the tourists who are visiting Hyderabad so that they might not face any problem while visiting the city wow magazine online has a e magazine for those who cannot get it or subscribed can have the magazine online
 
 
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Womens Era Magazine :
 
Womens Era Magazine s a fortnightly women interest magazine published in English in India. It was started in 1973 Womens Era Magazine covers topics like: fashion, cookery, poems, movie and book review, health, beauty, travel and technology Womens Era Magazine  It is the second most popular womens magazine after Femina, with an All India Index of 80 as surveyed by the Indian Readership Survey womens era magazine online can be seen online as there are set online for the readers who love to read the magazine 
 
 
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Partiyogita Darpan English :
 
India s largest read youth magazine, Pratiyogita Darpan, has over 4.9 million readers. The Indian Readership Survey (IRS) ranked Pratiyogita Darpan as Indias top 2nd magazine among all magazines published in India and ranked it as the No. 1 career and competition magazine. 
 
 
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Chemistry today magazine :
 
Chemistry today magazine CHEMISTRY Class 11 NEET | JEE Essentials Examiners Mind Ace Your Way CBSE MPP-3 Concept Map (Thermodynamic process) Class 12 NEET | JEE Essentials Concept Map Chemistry today magazine subscriptions online are now available the students can avail this facility 
 
 
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Pratiyogita Kiran Hindi :
 
Pratiyogita kiran hindi  is an Indian bi-lingual magazine on current affairs and general knowledge specially useful for civil service exams and similar competitive exams Pratiyogita kiran hindi was established in 1978. Published by Upkar Prakashan based in Agra, it is a widely read and popular magazine for exams and covers wide areas from current affairs, economy, geography, history, politics and constitution of India. Pratiyogita Kiran Hindi online subscriptions are now available for the aspirants who are trying their luck for the fields what they have choose
 
 
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Banking current affairs magazine :
 
Banking current affairs magazine  is a magazine for the aspirants who are trying their career in the banking side  Banking current affairs magazine is published  by kiran prakashan pvt ltd Delhi based group  Banking current affairs magazine General Awareness National, India & The World, International, Space Energy, Environment, health, defence, Information Technology, Personalities, Appointments, Resignations, Obituary, Awards & Honors, Sports banking and current affairs magazine subscription is now available for the aspirants online where one can get his magazine at the place he wants
 
 
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Civil Services Chronicle :
 
The Civil Services Chronicle (CSC) was first published in 1990 by Chronicle Publications Pvt. Ltd., the first of its kind in India. The purpose was to bring provide a platform to the IAS aspirants and other examinees of Civil Service tests to accommodate their preparation in a well-planned manner. Gradually turning into the flagship monthly magazine, it exclusively caters to the requirements of the civil services aspirants rendering comprehensive coverage of information pertaining to every discipline covered in the UPSC examination.
 
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Master in Current Affairs Magazine Hindi :
 
Mahendras current affairsis been published by mahendra publications pvt ltd the cost of Mahendra current affairs magazine is also affordable by the aspirantsMahendra current affairs magazine is a magazine that comes into use for all the aspirants who are seeking jobs in banks and other
 
 
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you and i magazine :
 
You and i magazine  is a Hyderabad based life style magazine you and i magazine is a product of we media indie pvt ltd Hyderabad based You and i magazine monthly  has been launched in the year 2008 in the month of january  you and i magazine was basically designed for Hyderabad people but due to hyderabad subscription were initially less but after certain period of time limit you and i magazine it has now become Indian magazine with different offices across India covering the life style of entire India
 
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You and I Magazine Monthly :
 
You and i magazine monthly  has been launched in the year 2010 in the month of August  You and i magazine monthly  is a Hyderabad based life style magazine you and i magazine is a product of we media indie pvt ltd Hyderabad based you and i magazine it has now become Indian magazine with different offices across India covering the life style of entire India due to its life style magazine
 
 
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Pratiyogita Kiran English :
 
Pratiyogita kiran English  is an Indian bi-lingual magazine on current affairs and general knowledge specially useful for civil service exams and similar competitive exams Pratiyogita kiran English  was established in 1978. Published by kiran prakashan Prakashan based in patna, it is a widely read and popular magazine for exams and covers wide areas from current affairs, economy, geography, history, politics and constitution of India
 
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Banking guru magazine :
 
Banking guru Magazine is an educational monthly magazine published by Arihanth publications Delhi based publisher banking guru Magazine cost is 30/- per issue it caters the needs of the aspirants of IBPS CWE, SBI, RRBs, RBI and various other banking sector recruitment exam  banking guru magazine subscription covers current review in sections namely Banking & Economy Analysis, National Impact, Around the World, Science & Technology Buzz, Sports Scan, Awards & Honours & News Kit. The exam practice section covers practice sets for Associate Banks of SBI Clerical Cadre Exam and National Insurance Co. Ltd.
 
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Science Reporter magazine :
 
Started in 1964, Science Reporter  is one of the oldest English language popular science monthlies published in India. It has a wide circulation throughout the country. From its initial objective of making the people of India aware of the innumerable technologies being developed within our scientific establishments, Science Reporter has today grown into being much more than just a vehicle for relaying information about technologies being developed in the national laboratories. Today it is a popular platform for exchanging ideas about the state of science in the country, matters of science policy, and discussing the future course science in India should take. Besides, it is also a one-stop solution for students on the lookout for latest updates from the world of science. Inaccessible as foreign scientific journals are to them
 
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Banking services chronicle :
 
Banking service chronicle is the only one kind of magazine that caters the needs of the aspirants who are seeking their profession in banks SSC CSAT MBA NDA and CDS exams Banking service chronicle is a magazine that is been published by Delhi based publishing groupexams Banking service chronicle is  very low cost as all the aspirants can buy this magazinebsc academy magazine has practice sets for the aspirants.
 
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Current Affair Survey :
 
Current Affair Survey is printed and owned by alfedu media pvt ltd current affairs survey magazine is the best magazine that gives great information about the current affairs that are happening nationally and internationally Current Affair Survey is a monthly magazine and the cost of this current affairs survey magazine is also very much affordable by the aspirant who is seeking services in different sectors of his choice now 
 
 
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computer sanchar suchna :
 
Computer sanchar suchna The Ministry of Communication and Information Technology is an Indian government ministry Computer sanchar suchna was bifurcated into Ministry of Communications and Ministry of Electronics and Information Technology in July 2016. It contained three departments viz. Department of Telecommunications, Department of Electronics and Information Technology (Deity) and Department of Posts   computer sanchar suchna patrika The following cadre controlling authority of the Civil Services (including Indian Telecommunication Service, Indian Postal Service
 
 
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Drishti current affairs :
 
Drishti current affairs magazine for the aspirants who are seeking their career in civil services  Drishti current affairs magazine is published by vdk publications New Delhi  Drishti current affairs magazine  want to help the UPSC CSE aspirants clear the examination and for that provide the best material that could be produced, researched, written and edited. We have an eye on excellence, not on competition. If we are good and helpful for your preparation, we will sell and get famous in no time   drishti current affairs magazine subscription are now available online the aspirant can book his magazine online and get the subscription to the place where he wants to get the magazine
 
 
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