*🔰 January 2025 Current Affairs📌* National News - *IRDAI Limits Senior Citizens' Health Premium Hike*: The Insurance Regulatory and Development Authority of India (IRDAI) has limited the annual health premium hike for senior citizens to 10%. - *Article 224A*: The Indian Constitution's Article 224A allows for the appointment of retired judges as ad hoc judges in High Courts . - *Economic Survey 2025*: The Economic Survey 2025 projects India's GDP growth at 6.4% for FY25 . Economy News - *NPCI Implements Stricter UPI Rules*: The National Payments Corporation of India (NPCI) has introduced stricter rules for UPI transactions, effective February 1, 2025 . - *RBI's Digital Payments Index*: The Reserve Bank of India's Digital Payments Index (RBI-DPI) for September 2024 stands at 465.33, indicating an 11.11% year-on-year rise in digital payments . - *Mutual Credit Guarantee Scheme*: The Government of India has launched the Mutual Credit Guarantee Scheme to support Micro, Small and Medium Enterprises (MSMEs) growth . Business News - *Tata Steel Develops Hydrogen-Transport Pipes*: Tata Steel has developed India's first hydrogen-transport pipes, marking a significant milestone in the country's clean energy sector . - *HDFC Launches Manufacturing Accelerator Program*: HDFC has launched the Manufacturing Accelerator Program to foster innovation and drive growth in India's manufacturing sector. Appointments News - *Rajesh Nirwan Appointed as Director General of BCAS*: Rajesh Nirwan has been appointed as the Director General of the Bureau of Civil Aviation Security (BCAS).