Some GD Topics For SBI Interview

Topic 1: India’s Demographic Dividend
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India is expected to grow at a sustained high rate for the coming decades being second only to China. One of the major contributors to the same is expected to be the young working population of the country. The working population (15-59 years) of India today largely, approximately 57%,  consists of the youth (15-34 years). According to official data, India's labour force, which was 472 million in 2006,  was around 526 million in 2011 and is expected to be around 653 million in 2031. In just about 3 years, 25% of the world’s working population will be Indian.

Human beings tend to have a higher proportion of consumption in their childhood days, whereas, they save the most in their working years. Thus, the dependency ratio has gone down with the rise in the average savings rate. The saving rate of India has been on an increase since 2003 and currently stands at 33% of the GDP of the nation. The greater savings are expected to fuel higher investment rates contributing to growth of the nation.
While the above is the supply side of the story, there are contributions from the demand side as well. The shift in demographics with rise in youth in the nation, there has been a steady rise in disposable income in the hands of individuals. This has led to a change in lifestyle of the individuals leading to growth in demand for consumption of goods to meet more than the basic needs of the individuals. In order to cater to this demand, there has been a drastic rise in consumerism in the country. Today domestic as well as international companies are all flocking to meet the Indian consumer’s demands and thus, contributing to growth of industries and the nation.
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Topic 2 : Competition right from childhood – Is it good or bad?
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From early childhood, majority of human beings today are being pushed towards being competitive in nature. The need is to be better than the others. The origin of competitive instincts can be traced back to the evolution of mankind. As Charles Darwin put it, evolution is all about survival of the fittest, direct competition between individuals, populations or species for survival.
If we look at an individual’s life, right from the toddler stage the child is faced with competition, be it academic or social. Competition leads to developing of healthy attitudes about winning and losing.  It also leads to developing the skills and abilities of the individuals. Competition also contributes to individual personality development where the individuals become aware about their strengths and limitations and work around the same.  Individuals also develop social confidence and learn how to work with others. Competition also benefits through learning of new skills and developing of competence in particular areas.
Competition, obviously, has its pitfalls with individuals being unable to cope with the loss, loss of self-confidence and self worth, sense of humiliation, etc. There are cases where the child might not be able to handle the same and is faced with severe challenges for their entire lifetime.
People need to understand that the competitive instincts need to be kept within healthy limits. The goals should be realistic and achievable in nature, and even the sub-steps of achievement should be acknowledged. The rules of fairness should be clearly put across and the focus should be on the individual becoming better and not putting others down.
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Topic 3: Power Grid crash in India
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The investment opportunities in the Indian power sector are immense. The power ministry has set a target for adding 76,000 MW of electricity capacity in the 12th Plan (2012-17) and 93,000 MW in the 13th Five-Year Plan (2017-2022). As per the funding requirement of the 12th five year plan, a capital requirement of Rs. 13, 72, 580 crores is estimated to arise. The main sources of financing are commercial banks, public financial institutions, dedicated infrastructure/power finance institutions, insurance companies, overseas markets, bilateral/multilateral credit, bond markets and equity markets.
The power sector was one of the first sectors to be opened up to private investment in the 1990s. Today it is the sixth largest attracter of Foreign Direct Investment (FDI) with upto 100 per cent FDI being allowed under automatic routes for projects of electricity generation, transmission, distribution and power trading. Along with this there are several government initiated policies to promote and garner investments in the power sector. For eg. The National Electricity Policy which aims at power for all and annual per capita consumption of electricity to rise by end of 2012.
However, even today the country is faced with major challenges in the form of a persistent demand supply gap of approximately 9% and culmination of the same has come in the form of two massive power grid failures in the month of July. India suffered from the biggest power outage in the world affecting 22 states and 620 million people.  Unfortunately this came after an impressive performance by the power sector with addition of almost 17000 megawatts of capacity in 2011-12. 
However, it is not that the there is low generation leading to the lack of supply of power. It is estimated that 40000 mw of installed capacity is lying unutilized. 10000 mw is for maintenance and technical reasons while remaining is due to the gas and coal fueled generation resources being utilized at suboptimal levels. India today is unable to produce enough coal domestically and high costs of import.  
The high costs of the fuels have not been passed onto the masses while the power companies are also trying to deal with the escalating costs. State utilities are also faced with bankruptcy and have debts of over Rs. 100000 crores.

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Topic 4: Role of media in a democracy
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Democracy is a form of government of the people, by the people and for the people, in which the sovereign power resides in the people as a whole, and is exercised either directly by them or by officers elected by them. One of the major features of democracy is that individuals are free to voice their opinions and media is a manifestation of the voice of the people.
The existence of media in the country started with a newspaper called ‘The Bengal Gazette’ and since then it has grown by leaps and bounds. The country, today, has all forms of media available be it T.V., radio, internet, newspaper or magazines and it is a flourishing industry in itself.
The media is a major source of information for the people of the country - all kinds of information, be it social, economic, political or about entertainment. It has acted as a major facilitator in educating the masses and building awareness amongst people, even in the innermost rural areas. This makes it one of the most influential players in just about any society, due to their outreach to millions of people, and normally you say that with ability comes responsibility.
We have example of the Anna movement becoming a revolution with people supporting it or atleast putting forth views from across the nation. People also have become aware about social issues and responsibilities through different forms of media.

However, there are cases where the media has treated cases with high levels of insensitivity or probed beyond boundaries of creating hurdles for other social institutions. It might lead to influencing the society wrongly or prejudicing the minds of people.  There might also be some amount of influence of political or economic institutions on the media under whose influence media might tend to behave irresponsibly. With the arrival of social media like facebook, twitter, etc, the role of media has become highly sensitive.

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