{"id":196272,"date":"2026-04-09T13:30:55","date_gmt":"2026-04-09T08:00:55","guid":{"rendered":"https:\/\/www.practicemock.com\/blog\/?p=196272"},"modified":"2026-04-09T13:31:19","modified_gmt":"2026-04-09T08:01:19","slug":"vishleshan-for-regulatory-exams-9th-april-2026","status":"publish","type":"post","link":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-9th-april-2026\/","title":{"rendered":"Vishleshan for Regulatory Exams 9th April 2026 | From Tenders to Tech: How GeM Is Rewiring India\u2019s \u20b95 Trillion Demand"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.practicemock.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/www.practicemock.com\/blog\/category\/vishleshan\/\">Vishleshan<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\">Competitive Procurement &#038; Inclusive Growth<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<p>All candidates eyeing exams like those of RBI, SEBI, or NABARD will have to stay updated on key economic and regulatory developments. In today\u2019s edition of <strong>Vishleshan<\/strong>, we\u2019ll shed light on <em>Competitive Procurement, Inclusive Growth: How GeM Is Rewiring \u20b95 Trillion in Demand<\/em>. These issues are highly relevant for all the upcoming competitive exams mentioned above. Keep reading to stay ahead with a clear understanding of today\u2019s topic.<a href=\"https:\/\/www.practicemock.com\/blog\/author\/mahikapracticemock-com\/\"><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Government e-Marketplace: India&#8217;s Public Procurement Revolution at \u20b918.4 Trillion<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Context<\/strong>: India&#8217;s government procurement pool \u2014 worth\u00a0\u20b930\u201335 lakh crore annually\u00a0\u2014 was historically one of the most opaque in the world. GeM was built on a single premise: that digitising\u00a0<em>how<\/em>\u00a0the government buys is as consequential as\u00a0<em>how much<\/em>\u00a0it spends. With\u00a0\u20b918.4 trillion in cumulative GMV\u00a0and MSMEs capturing nearly half of all order value, that premise has been validated.<br><br><strong>Link to the Article<\/strong>: <a href=\"https:\/\/www.business-standard.com\/economy\/news\/gem-records-18-4-trillion-gmv-since-inception-msmes-dominate-fy26-126040600855_1.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Business Standard<\/a>\u00a0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>GeM&#8217;s FY26 GMV equals nearly&nbsp;<strong>half of India&#8217;s central capital expenditure<\/strong>&nbsp;\u2014 except every rupee passed through a competitive, digitally audited marketplace instead of a discretionary tender. That shift in the&nbsp;<em>mechanics<\/em>&nbsp;of public spending is the real story here.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><u>GeM Overview<\/u><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Before the introduction of GeM in 2016, public procurement in India was largely manual, fragmented, and inefficient \u2014 governed primarily by the General Financial Rules (GFR) and the Directorate General of Supplies and Disposal (DGS&amp;D).<\/li>\n\n\n\n<li>Procurement processes relied heavily on manual rate contracts, lengthy vendor empanelment procedures, and department-specific tenders \u2014 mechanisms that lacked transparency and systematically excluded smaller suppliers.<\/li>\n\n\n\n<li>A small business outside major administrative centres faced near-impossible barriers: complex paperwork, informal networks, and no open competition. GeM was built to dismantle exactly that system<strong>.<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><u>GeM Architecture<\/u><\/strong><\/h3>\n\n\n\n<p>GeM operates as a&nbsp;<strong>Business-to-Government (B2G) digital marketplace<\/strong>&nbsp;\u2014 not unlike Amazon or Flipkart in design, but serving an entirely different purpose. It hosts two primary transaction modes:<strong><u><\/u><\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Direct purchase<\/strong>\u00a0\u2014 for lower-value standardised items available at catalogue prices<\/li>\n\n\n\n<li><strong>Bidding and reverse auctions<\/strong>\u00a0\u2014 where government buyers specify requirements and sellers compete on price<\/li>\n<\/ol>\n\n\n\n<p><em>Gross GMV captures all order value placed; net reflects actual transactions after cancellations and rejections.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><u>How GeM Has Empowered MSMEs<\/u><\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Removal of Entry Barriers:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>GeM systematically dismantled the traditional barriers that locked MSMEs out of government procurement:<strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMD fully exempted \u2014 MSMEs bid without any upfront financial deposit.<\/li>\n\n\n\n<li>Performance Security Deposit reduced to 1% of contract value, down from the earlier norm of 5\u201310%.<\/li>\n\n\n\n<li>Turnover and prior experience waivers allow first-time manufacturers to compete on equal footing with established firms.<\/li>\n\n\n\n<li>Udyam and Aadhaar integration compresses onboarding from months to days, with payments cleared within 10\u201315 days of delivery \u2014 directly solving the cash flow crunch that kills small businesses.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inclusion Beyond MSMEs<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Women-led enterprises\u00a0recorded over\u00a020% growth in FY26, supported by the\u00a0<em>Womaniya<\/em>\u00a0initiative, which improves their visibility in procurement searches and surfaces women-owned businesses to government buyers.<\/li>\n\n\n\n<li>Startups\u00a0have fulfilled orders worth\u00a0\u20b935,950 crore\u00a0through the\u00a0<em>Startup Runway<\/em>\u00a0storefront, which eliminates prior experience requirements \u2014 enabling early-stage companies to build credibility\u00a0<em>through<\/em>\u00a0government contracts rather than needing credibility to get them.<\/li>\n\n\n\n<li>SC\/ST-owned enterprises\u00a0also recorded\u00a020%+ growth in FY26, signalling that GeM&#8217;s inclusion architecture is reaching communities that formal financial markets have historically bypassed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><u>AI and Technology: From Catalogues to Market Integrity<\/u><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Since January 2024, GeM&#8217;s\u00a0<strong>AI-driven Sanity Framework<\/strong>\u00a0has audited\u00a0<strong>19 lakh product listings<\/strong>, removing\u00a0<strong>90,000 faulty entries (4.7%)<\/strong>\u00a0\u2014 catching misrepresentation, duplicates, and non-compliance before they reach buyers.<\/li>\n\n\n\n<li>The Sanity Framework monitors\u00a0<strong>six categories of marketplace misconduct simultaneously<\/strong>: buyer-seller collusion, cartelisation, order splitting, technical rejection abuse, irrational price fluctuations, and product misrepresentation.<\/li>\n\n\n\n<li>GeM&#8217;s AI infrastructure \u2014 powered by\u00a0<strong>AWS and Amazon Bedrock<\/strong>\u00a0\u2014 provides real-time dashboards, vendor performance analytics, natural language query support, and an AI chatbot that assists over\u00a0<strong>2.1 million sellers<\/strong>\u00a0with catalogue and compliance requirements. For MSMEs without dedicated compliance teams, this is not a convenience \u2014 it is a lifeline.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><u>Who Are the Buyers on GeM?<\/u><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>State governments<\/strong>\u00a0were the standout performers, growing procurement by\u00a0<strong>38.3% in value<\/strong>\u00a0\u2014 led by <strong>Uttar Pradesh, Gujarat, and Maharashtra<\/strong> across digital operations, renewable energy, and health procurement respectively.<\/li>\n\n\n\n<li><strong>Central ministries<\/strong>\u00a0grew by a steady\u00a020.5%, reflecting deepening institutional adoption across the union government.<\/li>\n\n\n\n<li><strong>Autonomous bodies<\/strong>\u00a0\u2014 universities, research institutions, and regulatory bodies \u2014 grew by\u00a033%, marking an improvement as entities that once operated outside formal procurement norms are now fully integrated into GeM.<\/li>\n\n\n\n<li><strong>CPSEs<\/strong> were the one exception, recording a\u00a07.4% decline in transactions\u00a0and\u00a022% degrowth in value, driven largely by the Coal Ministry&#8217;s non-recurrence of unique long-term mining contracts from FY25. This is best read as a one-off statistical effect \u2014 but FY27 data will be the real confirmation.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><u>Structural Significance and the Road Ahead<\/u><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With over 7.83 crore MSMEs registered on Udyam, it goes beyond registration by connecting them directly to \u20b95 trillion in government demand. States are still early in adoption, even as growth remains strong and services expand into more complex areas. Improving AI tools and sustained public capex are steadily increasing its scale.<\/li>\n\n\n\n<li>GeM shows how transparency and technology can transform public procurement in ways policy alone could not. The real test now is how far this model can evolve in the coming years.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.practicemock.com\/blog\/author\/mahikapracticemock-com\/\"><\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>GeM FY26 unlocks \u20b95T demand with AI\u2011driven transparency, MSME inclusion, and competitive procurement \u2014 vital for RBI, SEBI, NABARD exams.<\/p>\n","protected":false},"author":6,"featured_media":196282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[4022],"tags":[],"class_list":["post-196272","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vishleshan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>GeM FY26: Competitive Procurement &amp; Inclusive Growth<\/title>\n<meta name=\"description\" content=\"GeM FY26 rewires \u20b95T public demand with AI\u2011driven transparency, MSME inclusion, and competitive procurement \u2014 vital for RBI, SEBI, NABARD exams.\" 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During his 3+ years' stint at PracticeMock, he has helped thousands of aspirants gain the confidence to achieve top results. 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