The Hindu Editorial – 22 Jan 2026
Editorial Grammar & Vocabulary Analysis
For SSC, Banking, NDA, CDS, UPSC & Teaching Exams
The RBI’s reported (Adj) moves (Sub) towards encouraging (Gerund) India’s BRICS partners (Obj) to link (Infinitive) their digital currencies (Obj) with the RBI’s own (Adj) Central Bank Digital Currency (CBDC) (Obj) are (Present Simple) sensible (Adj) but one (Sub) that (Sub) could pose (Modal Verb) some (Adj) risks (Obj). According to news reports, the RBI (Sub) has recommended (Present Perfect) to the Centre (Obj) that a proposal (Sub) connecting (Present Participle) the CBDCs (Obj) of the BRICS countries (Obj) be made (Subjunctive – Base Form) part (Obj) of the agenda (Obj) for the 2026 BRICS summit (Obj) in India.
सारांश: भारतीय रिज़र्व बैंक की ब्रिक्स देशों की डिजिटल मुद्राओं को भारत के सीबीडीसी से जोड़ने की योजना एक विवेकपूर्ण कदम है, हालांकि इसके कुछ जोखिम हैं। इसने आधिकारिक रूप से इस पहल को भारत द्वारा आयोजित 2026 ब्रिक्स शिखर सम्मेलन के एजेंडे में शामिल करने का प्रस्ताव रखा है।
This (Sub) is (Present Simple) a natural (Adj) progression (Obj) of India’s push (Obj) during its presidency (Obj) of the G-20 in 2023 for international (Adj) cooperation (Obj) and standardisation (Obj) on cryptocurrencies (Obj). The RBI (Sub) has historically (Adv) been (Present Perfect) extremely (Adv) conservative (Adj) about private (Adj) cryptocurrencies (Obj), repeatedly (Adv) calling (Present Participle) for a ban (Obj), and progressive (Adj) about CBDCs (Obj), arguing (Present Participle) that they (Sub) have (Present Simple) multiple (Adj) uses (Obj).
सारांश: यह पहल भारत की 2023 जी-20 में वैश्विक क्रिप्टो सहयोग की मुहिम को आगे बढ़ाती है। भारतीय रिज़र्व बैंक ने निजी क्रिप्टोकरेंसी पर प्रतिबंध लगाने की लगातार वकालत की है जबकि सीबीडीसी को उनकी विविध उपयोगिता के लिए प्रोत्साहित किया है।
Its stance (Sub) seems (Present Simple) largely (Adv) correct (Adj) — it (Sub) recognises (Present Simple) the evident (Adj) risks (Obj) of cryptocurrencies (Obj) as assets (Obj) to invest (Infinitive) in, but sees (Present Simple) the advantages (Obj) of the blockchain (Obj) as the backbone (Obj) of payments (Adj) infrastructure (Obj). While a ban (Sub) on private (Adj) cryptocurrencies (Obj) seems (Present Simple) extreme (Adj), their widespread (Adj) adoption (Sub) does expose (Present Simple) the public (Obj) to extreme (Adj) volatility (Obj), fraud (Adj) potential (Obj), and an erosion (Obj) of wealth (Obj).
सारांश: भारतीय रिज़र्व बैंक का संतुलित रुख क्रिप्टो के निवेश जोखिमों को स्वीकार करता है लेकिन भुगतान प्रणालियों के लिए ब्लॉकचेन की क्षमता को महत्व देता है। हालांकि पूर्ण प्रतिबंध अत्यधिक हो सकता है, क्रिप्टो की व्यापक अपनाने से लोग गंभीर वित्तीय अस्थिरता, धोखाधड़ी और धन की हानि के संपर्क में आते हैं।
CBDCs (Sub) have (Present Simple) the advantage (Obj) of a sovereign (Adj) guarantee (Obj) and are (Present Simple) also (Adv) not interest-bearing (Adj). They (Sub) are (Present Simple) not only (Adv) safe (Adj) but will also (Adv) not attract (Modal Verb) people (Obj) looking (Present Participle) to make (Infinitive) returns (Obj). That said, India (Sub) in particular (Adv) has (Present Simple) little (Adj) use (Obj) for a domestic (Adj) CBDC (Obj). As digital (Adj) payments (Obj) go (Present Simple), the UPI infrastructure (Sub) has proven (Present Perfect) to be (Infinitive) excellent (Adj) but has also (Adv) far too (Adv) big (Adj) a headstart (Obj) for CBDC (Obj) to overcome (Infinitive).
सारांश: सीबीडीसी सार्वभौमिक सुरक्षा प्रदान करते हैं और ब्याज-युक्त नहीं होते, जिससे वे सुरक्षित और सट्टा निवेश के लिए अनाकर्षक बन जाते हैं। हालांकि, घरेलू रूप से, भारत की यूपीआई प्रणाली एक सीबीडीसी के लिए महत्वपूर्ण पैठ हासिल करने के लिए बहुत प्रभावशाली और सफल है।
This (Sub) is (Present Simple) why the RBI’s attempts (Sub) to use (Infinitive) CBDCs (Obj) for international (Adj) payments (Obj) are (Present Simple) a sensible (Adj) approach (Obj).
सारांश: इसलिए, भारतीय रिज़र्व बैंक का सीबीडीसी को सीमा-पार लेनदेन के लिए उपयोग करने पर ध्यान एक तार्किक और व्यावहारिक रणनीति का प्रतिनिधित्व करता है।
Cross-border (Adj) payments (Sub) are (Present Simple) a significant (Adj) channel (Obj) for black (Adj) and laundered (Adj) money (Obj). Any attempts (Sub) to bring (Infinitive) further (Adj) transparency (Obj) to such (Adj) flows (Obj) are (Present Simple) welcome (Adj). Blockchains (Sub) are (Present Simple) excellent (Adj) instruments (Obj) for this purpose (Obj).
सारांश: अंतर्राष्ट्रीय भुगतान अवैध धन के लिए एक प्रमुख माध्यम हैं, इसलिए उनकी पारदर्शिता बढ़ाने के प्रयास महत्वपूर्ण हैं। ब्लॉकचेन प्रौद्योगिकी इस उद्देश्य के लिए आदर्श रूप से उपयुक्त है।
They (Sub) form (Present Simple) transparent (Adj) and immutable (Adj) records (Obj) of transactions (Obj) and can be coded (Modal Passive) to provide (Infinitive) relevant (Adj) details (Obj) such as the points (Obj) of origin (Obj) and destination (Obj). A BRICS agreement (Sub) on such (Adj) a payment (Adj) infrastructure (Obj) could further (Adv) mandate (Modal Verb) that payments (Sub) be linked (Subjunctive – Base Form) to national (Adj) identity (Adj) numbers (Obj) or tax (Adj) departments (Obj).
सारांश: ब्लॉकचेन स्थायी, पारदर्शी लेनदेन लॉग बनाते हैं जिन्हें मूल और गंतव्य डेटा शामिल करने के लिए प्रोग्राम किया जा सकता है। एक ब्रिक्स ढांचा भुगतानों को राष्ट्रीय पहचान या कर अधिकारियों से जोड़ने की आवश्यकता कर सकता है ताकि बेहतर निगरानी हो सके।
CBDC payments (Sub) would also (Adv) help ease (Infinitive) some (Adj) of India’s stickier (Adj) international (Adj) payments (Adj) issues (Obj). Payments (Sub) to Russia (Obj) and Iran (Obj), for example (Adv), will become (Future Simple) easier (Adj) since the SWIFT network (Sub) is (Present Simple) not available (Adj) to either (Adj) country (Obj).
सारांश: सीबीडीसी का उपयोग भारत की जटिल अंतर्राष्ट्रीय भुगतान चुनौतियों को हल कर सकता है, खासकर रूस और ईरान जैसे देशों के साथ जो स्विफ्ट बैंकिंग नेटवर्क से कटे हुए हैं।
On the other hand (Adv), exactly (Adv) such (Adj) payments (Sub) and the related (Adj) move (Obj) away from the dollar (Obj) will inevitably (Adv) anger (Future Simple) U.S. President Donald Trump (Obj). He (Sub) has already (Adv) warned (Present Perfect) of additional (Adj) tariffs (Obj) on BRICS countries (Obj) should they move (Subjunctive – Base Form) away from the dollar (Obj).
सारांश: हालांकि, ऐसे भुगतान और अमेरिकी डॉलर से संबद्ध विचलन संयुक्त राज्य अमेरिका की प्रतिक्रिया को उकसा सकते हैं, जहां राष्ट्रपति ट्रम्प ने पहले ही ब्रिक्स देशों पर अतिरिक्त टैरिफ की चेतावनी दी है अगर वे डॉलर पर निर्भरता कम करते हैं।
That said, with 50% tariffs (Obj) in place (Adv), India (Sub) needs (Present Simple) to see (Infinitive) whether incremental (Adj) tariffs (Obj) will actually (Adv) hurt (Infinitive). The benefits (Sub) of cross-border (Adj) CBDC payments (Obj) could still (Adv) outweigh (Modal Verb) the costs (Obj).
सारांश: मौजूदा उच्च टैरिफ को देखते हुए, भारत को यह आकलन करना होगा कि क्या अतिरिक्त शुल्क वास्तविक नुकसान पहुंचाएंगे। सीमा-पार सीबीडीसी भुगतानों के लाभ संभावित जोखिमों और लागतों से अभी भी अधिक हो सकते हैं।
Important Vocabulary
Meaning: Practical, reasonable, and showing good judgment.
हिन्दी अर्थ: समझदार, विवेकपूर्ण
Synonyms: practical, reasonable, judicious
Antonyms: foolish, unreasonable, imprudent
Example: Wearing a helmet while riding is a sensible precaution.
Phrasal Verb: N/A
Meaning: The process of developing or moving gradually towards a more advanced state.
हिन्दी अर्थ: विकास, उन्नति
Synonyms: advancement, development, evolution
Antonyms: regression, decline, deterioration
Example: His career showed a steady progression from clerk to manager.
Phrasal Verb: N/A
Meaning: Resistant to change and holding traditional values.
हिन्दी अर्थ: रूढ़िवादी, परंपरागत
Synonyms: traditional, cautious, conventional
Antonyms: liberal, progressive, radical
Example: The bank took a conservative approach to lending.
Phrasal Verb: N/A
Meaning: Clearly seen or understood; obvious.
हिन्दी अर्थ: स्पष्ट, प्रत्यक्ष
Synonyms: obvious, clear, apparent
Antonyms: hidden, obscure, unclear
Example: It was evident from her smile that she was happy.
Phrasal Verb: N/A
Meaning: Liability to change rapidly and unpredictably, especially for the worse.
हिन्दी अर्थ: अस्थिरता, चंचलता
Synonyms: instability, unpredictability, fluctuation
Antonyms: stability, steadiness, constancy
Example: The stock market is known for its volatility.
Phrasal Verb: N/A
Meaning: The gradual destruction or diminution of something.
हिन्दी अर्थ: क्षरण, अपरदन
Synonyms: deterioration, corrosion, wearing away
Antonyms: building, accretion, accumulation
Example: Soil erosion is a serious problem for farmers.
Phrasal Verb: N/A
Meaning: Possessing supreme or ultimate power.
हिन्दी अर्थ: संप्रभु, सर्वोच्च
Synonyms: supreme, absolute, autonomous
Antonyms: dependent, subordinate, limited
Example: India is a sovereign nation.
Phrasal Verb: N/A
Meaning: Unchanging over time or unable to be changed.
हिन्दी अर्थ: अपरिवर्तनीय, अटल
Synonyms: unchangeable, fixed, permanent
Antonyms: changeable, variable, alterable
Example: The laws of physics are considered immutable.
Phrasal Verb: N/A
Meaning: To give official authority or instruction to do something.
हिन्दी अर्थ: आदेश देना, अनिवार्य करना
Synonyms: require, order, command
Antonyms: forbid, prohibit, ban
Example: The law mandates the use of seat belts.
Phrasal Verb: N/A
Meaning: As is certain to happen; unavoidably.
हिन्दी अर्थ: अनिवार्य रूप से, निश्चित रूप से
Synonyms: unavoidably, certainly, surely
Antonyms: possibly, avoidably, uncertainly
Example: If you don’t study, you will inevitably fail.
Phrasal Verb: N/A
Meaning: Relating to or denoting an increase or addition, especially one of a series on a fixed scale.
हिन्दी अर्थ: वृद्धिशील, क्रमिक
Synonyms: gradual, step-by-step, cumulative
Antonyms: sudden, drastic, wholesale
Example: The software receives incremental updates every month.
Phrasal Verb: N/A
Meaning: To be greater or more significant than.
हिन्दी अर्थ: अधिक भारी होना, महत्वपूर्ण होना
Synonyms: exceed, surpass, override
Antonyms: fall short, be less than
Example: The benefits of exercise outweigh the discomfort.
Phrasal Verb: N/A
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Source: The Hindu Newspaper – Link
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