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    <loc>https://www.upscplanner.com/articles/functions-of-money</loc>
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      <image:title>What is Money | Functions of Money</image:title>
      <image:caption>&lt;p&gt;WHAT IS MONEY? Money is derived from a Latin word, Moneta. The money is a term refers to an object that is accepted as a mode for the transaction of goods and services in general and repayment of debts, medium for transaction of goods. Money can be in various forms, such as notes, coins, credit [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/biosphere-reserves-in-india</loc>
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      <image:loc>https://mpscplanner.files.wordpress.com/2021/05/20210509_213306_0000.png?w=1024</image:loc>
      <image:title>Biosphere Reserves in India</image:title>
      <image:caption>&lt;p&gt;Biosphere Reserve (BR) is an international designation by United Nations Educational, Scientific and Cultural Organization (UNESCO) for representative parts of natural and cultural landscapes extending over large areas of terrestrial or coastal/marine ecosystems or a combination of both. It is a protected area where plants and animals are conserved. 1979 First Biosphere Reserve of the world established. [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/unesco-world-heritage-sites-in-india</loc>
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      <image:loc>https://i0.wp.com/upscplanner.com/wp-content/uploads/2021/12/World-Heritage-Sites-in-India.jpg?fit=853%2C1280&amp;ssl=1</image:loc>
      <image:title>UNESCO World Heritage Sites in India</image:title>
      <image:caption>&lt;p&gt;WHAT IS WORLD HERITAGE? World Heritage is the designation for places on Earth that are of outstanding universal value to humanity and as such, have been inscribed on the World Heritage List to be protected for future generations to appreciate and enjoy. WHAT IS THE WORLD HERITAGE CONVENTION? The Convention Concerning the Protection of the [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/indian-polity-mcqs</loc>
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      <image:title>Indian Polity: MCQs</image:title>
      <image:caption>&lt;p&gt;Test Your Knowledge: Indian Polity Multiple Choice Questions (MCQs) Test your understanding of Indian Polity with these MCQs! Strengthen your knowledge of the Constitution and governance for active citizenship.&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/upsc-civil-services-exam-ias-syllabus-exam-paper-pattern</loc>
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      <image:loc>https://i0.wp.com/upscplanner.com/wp-content/uploads/2021/10/Blog-Banner.png?fit=1200%2C628&amp;ssl=1</image:loc>
      <image:title>UPSC Civil Services Exam (IAS) Syllabus | Exam Paper Pattern</image:title>
      <image:caption>&lt;p&gt;UPSC CSE (IAS Exam) : Pre + Mains + Interview Civil Services Exam is conducted by UPSC (Union Public Service Commission) every year to recruit candidates to various services &amp; posts in the Government of India. It is a two stage exam consisting of: Civil Services Preliminary Examination (Objective Type) for the selection of candidates [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/fundamental-duties</loc>
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      <image:title>Fundamental Duties</image:title>
      <image:caption>&lt;p&gt;The Fundamental Duties were incorporated in Part IV-A of the Constitution. Today, there are 11 Fundamental Duties described under Article 51-A, of which 10 was introduced by the 42nd Amendment and the 11th was added by t? it wAmendment in 2002. They are inspired by the constitution of erstwhile USSR(Union of Soviet Socialist Republics). In 1976, congress party set up the Sardar Swaran [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/upsc-civil-services-main-exam-syllabus</loc>
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      <image:loc>https://i0.wp.com/upscplanner.com/wp-content/uploads/2021/10/UPSC-pre-main-syllabus-1.png?fit=1000%2C1000&amp;ssl=1</image:loc>
      <image:title>UPSC Civil Services Main Exam Syllabus</image:title>
      <image:caption>&lt;p&gt;Important Points:  Civil Services Main Examination consists of a written examination and an interview (personality test). The written examination (main) will consist of the Nine papers, but only 7 papers will be counted for final merit ranking. The remaining two papers, English and Indian Language, are qualifying in nature. While UPSC CSE Prelims is objective-type [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/upsc-civil-services-preliminary-exam-syllabus</loc>
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      <image:loc>https://i0.wp.com/upscplanner.com/wp-content/uploads/2021/10/UPSC-pre-syllabus.png?fit=1000%2C1000&amp;ssl=1</image:loc>
      <image:title>UPSC Civil Services Preliminary Exam Syllabus</image:title>
      <image:caption>&lt;p&gt;Civil Services Exam is conducted by UPSC (Union Public Service Commission) every year to recruit candidates to various services &amp; posts in the Government of India. It is a two stage exam consisting of: Civil Services Preliminary Examination (Objective Type) for the selection of candidates for Civil Services (Main) Examination Civil Services Main Examination (Written [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/articles/g-20-group-of-20-countries</loc>
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      <image:title>G-20 (Group of 20) Countries</image:title>
      <image:caption>&lt;p&gt;The G20 was founded in 1999 in response to several world economic crises. It is a consultation forum between finance ministers and central bank governors of the world’s major economies. Following the 2008 economic crisis, it became a forum between Heads of State and Government, aimed at improving coordination on the main global issues. G20 [...]&lt;/p&gt;
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  <url>
    <loc>https://www.upscplanner.com/shorts/5</loc>
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      <image:loc>https://assets.upscplanner.com/shorts/2026/08/samudra-manthan-scheme-069ffb32.png</image:loc>
      <image:title>Samudra Manthan Scheme: Offshore Exploration Push</image:title>
      <image:caption>The Union Cabinet approved the **Samudra Manthan Scheme** (National Offshore Exploration Scheme) with an outlay of **₹84,084 crore** up to FY 2030–31. Formulated under the **Ministry of Petroleum and </image:caption>
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  <url>
    <loc>https://www.upscplanner.com/shorts/4</loc>
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      <image:loc>https://assets.upscplanner.com/shorts/2026/08/chandipura-virus-chpv-07ebe398.png</image:loc>
      <image:title>Chandipura Virus Outbreak 2026: Key Facts &amp; Analysis</image:title>
      <image:caption>An active outbreak of **Chandipura virus (CHPV)** in Gujarat has led to over **184 suspected cases and 22 child deaths** in August 2026. CHPV is a single-stranded RNA pathogen (*Rhabdoviridae* family)</image:caption>
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  <url>
    <loc>https://www.upscplanner.com/shorts/3</loc>
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      <image:loc>https://assets.upscplanner.com/shorts/2026/08/public-exams-amendment-bill-2026-766c4c95.png</image:loc>
      <image:title>Public Examinations Amendment Bill, 2026</image:title>
      <image:caption>Parliament has passed the **Public Examinations (Prevention of Unfair Means) Amendment Bill, 2026** to amend the 2024 Act. It requires completing investigations within **two months** from the recordin</image:caption>
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  <url>
    <loc>https://www.upscplanner.com/shorts/2</loc>
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      <image:loc>https://assets.upscplanner.com/shorts/2026/08/snow-leopard-dhauladhar-sanctuary-d5ad80a6.png</image:loc>
      <image:title>First Photographic Evidence of Snow Leopard in Dhauladhar Sanctuary</image:title>
      <image:caption>The **Dhauladhar Wildlife Sanctuary** in Kangra district, Himachal Pradesh, recorded its first confirmed photographic evidence of a **snow leopard** (*Panthera uncia*) via camera traps at 2,836m altit</image:caption>
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  <url>
    <loc>https://www.upscplanner.com/shorts/1</loc>
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      <image:loc>https://assets.upscplanner.com/shorts/2026/07/india-joins-wto-fisheries-subsidies-pact-f0e96762.png</image:loc>
      <image:title>India Joins WTO Fisheries Subsidies Pact</image:title>
      <image:caption>India deposited its **Instrument of Acceptance** for the **WTO Agreement on Fisheries Subsidies** on 20 July 2026, becoming a party to the pact. Adopted at MC12 in 2022, it prohibits subsidies connect</image:caption>
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