The Bangladesh Public Service Commission (BPSC) has recently published the circular and syllabus for the 48th BCS Examination. Through this BCS, candidates will be recruited into various cadres including Administration, Police, Education, and Health.

In this article, we cover everything you need to know about the 48th BCS: the latest updates, complete syllabus, exam stages, and essential tips for preparation.

48th BCS : Latest News & Key Information

48th BCS Preliminary Syllabus

The Preliminary Exam will be of 200 marks in MCQ format, with a duration of 2 hours.

Written Exam Mark Distribution for BCS Technical / Professional Cadres

The written exam syllabus depends on whether the candidate is applying for general or technical/professional cadres. Here’s the syllabus for general cadre candidates:

BCS Medical and Dental Cadre – Marks Distribution

📘 Bangla (Total Marks: 20)

📗 English (Total Marks: 20)

🌍 General Knowledge (Bangladesh Affairs) – 20 Marks

🌐 General Knowledge (International Affairs) – 20 Marks

➕ Mathematical Reasoning – 10 Marks

🧠 Mental Ability – 10 Marks

Note: These sections do not have internal breakdowns.

🏥 Medical Science (Total Marks: 100)

Pre and Para Clinical Subjects

Clinical Subjects

Viva Voce (Oral Exam)

Candidates who pass the written exam will be called for a viva voce (oral interview), which carries 200 marks.

🎯 BCS Preparation Tips

1. Create a weekly study plan focusing on all subjects.

2. Read newspapers daily to stay updated on Bangladesh and international affairs.

3. Prepare separately for MCQ and written exam formats.

4. Solve previous years’ questions to understand the pattern.

5. Practice maths and reasoning regularly.

6. Take mock tests frequently to track your progress.

Useful Links

• 🔗 BPSC Official Website (http://bpsc.gov.bd)

• 📥 48th BCS Syllabus (PDF) : 48th-BCS-Syllabus-2025-Special.pdf – Google Drive

To succeed in the 48th BCS exam, candidates must focus on consistent preparation, proper time management, and mastering all three stages: Preliminary, Written, and Viva. The team at EduToday24 wishes all BCS aspirants the very best of luck!

📌 Feel free to share this page with friends who are preparing for BCS.

The raid 2 box office collection worldwide : Raid 2, the much-anticipated sequel to the 2018 hit Raid, has made a significant impact at the box office since its release on May 1, 2025. Starring Ajay Devgn, Riteish Deshmukh, and Vaani Kapoor, and directed by Raj Kumar Gupta, the film continues the saga of IRS officer Amay Patnaik as he delves into another high-stakes white-collar crime investigation.

Worldwide Box Office Collection

As of May 17, 2025, Raid 2 has amassed a worldwide gross of approximately ₹192.42 crore. This includes an India net collection of ₹140.22 crore and an overseas gross of ₹23.48 crore.

Day-Wise Box Office Collection

Here’s a breakdown of Raid 2‘s day-wise box office performance in India:

The film’s strong opening weekend, followed by steady collections in the subsequent days, underscores its positive reception among audiences.

Film Overview

Director: Raj Kumar Gupta
Cast: Ajay Devgn, Riteish Deshmukh, Vaani Kapoor
Genre: Crime Thriller
Runtime: 138 minutes
Language: Hindi
Release Date: May 1, 2025

Raid 2 picks up seven years after the events of the first film, with IRS officer Amay Patnaik embarking on a new mission to expose a complex web of financial deceit.

Critical Reception

Raid 2 has garnered mixed to positive reviews from critics. While some praised its gripping narrative and strong performances, others felt it didn’t quite match the intensity of its predecessor. Nonetheless, the film’s commercial success indicates a favorable response from the general audience.

Budget and Profitability

The film was produced on an estimated budget of ₹90 crore. With a worldwide gross of ₹192.42 crore, Raid 2 has not only recovered its production costs but has also yielded substantial profits, marking it as a commercial success.

Box Office Records and Comparisons

• Top Grossing Hindi Films of 2025 (as of May 17):
  1. Chhaava
  2. Raid 2
  3. Sikandar

Raid 2‘s impressive performance places it among the top-grossing Hindi films of the year, showcasing the enduring appeal of its lead actor and the franchise.

📅 Week-Wise Performance

• Week 1: ₹95.75 crore
• Week 2: ₹40.6 crore
• Week 3 (up to Day 16): ₹3.0 crore

The film maintained a strong hold during its second week, with minimal drop in collections, indicating sustained interest from moviegoers.

❓ What is Raid 2 about?

Raid 2 is a crime thriller and the sequel to the 2018 hit Raid. It follows IRS officer Amay Patnaik, played by Ajay Devgn, as he embarks on a new mission to uncover and stop a large-scale financial crime. The story continues in the same gritty, investigative tone as the first film, focusing on corruption, tax evasion, and political influence.

❓ Who are the lead actors in Raid 2?

The film stars:

• Ajay Devgn as IRS officer Amay Patnaik

• Riteish Deshmukh as the antagonist

• Vaani Kapoor in a pivotal role

❓ Who directed Raid 2?

The film was directed by Raj Kumar Gupta, who also directed the first installment of Raid in 2018.

❓ When was Raid 2 released?

Raid 2 was released in theaters on May 1, 2025, making it a big summer release in India and other countries.

❓ What is the box office collection of Raid 2 so far?

As of May 17, 2025:

• India Net Collection: ₹140.22 crore

• Worldwide Gross Collection: ₹192.42 crore
  This makes it one of the highest-grossing Hindi films of 2025.

❓ What is the budget of Raid 2?

Raid 2 was made on an estimated budget of ₹90 crore, including production and marketing.

❓ Is Raid 2 a hit or a flop?

Raid 2 is a HIT, both commercially and critically. It recovered its budget quickly and has turned in significant profits at the box office.

❓ Is it necessary to watch Raid (2018) before Raid 2?

Not necessarily, but watching the first film will give you better context about Ajay Devgn’s character and his motivations. Raid 2 is written in a way that both new and returning viewers can enjoy it.

❓ Is Raid 2 based on a true story?

Like the first film, Raid 2 is inspired by real-life income tax raids and corruption cases in India, but it is a fictionalized narrative designed for cinematic impact.

❓ Where can I watch Raid 2 online?

As of now, the film is only available in theaters. It is expected to release on OTT platforms such as Netflix, Amazon Prime Video, or Disney+ Hotstar a few months after its theatrical run.

❓ How is the audience response to Raid 2?

Audience response has been largely positive. Viewers have appreciated the suspenseful storytelling, strong performances (especially Ajay Devgn and Riteish Deshmukh), and the socially relevant plot.

❓ Is there a Raid 3 coming?

While there is no official announcement yet, the success of Raid 2 makes the possibility of Raid 3 very likely. Fans are already speculating that the franchise will continue with another major corruption case.

❓ What genre does Raid 2 belong to?

Raid 2 is a crime thriller/drama, with themes of justice, corruption, and bureaucratic battles against powerful criminals.

❓ Did Raid 2 beat any other big films at the box office?

Yes, Raid 2 surpassed the collections of several other major Bollywood films released in 2025, including:

• Kesari 2

• Sikandar (Salman Khan)
  It is currently trailing only behind Chhaava in yearly box office rankings.

❓ What makes Raid 2 special?

The film combines sharp writing, realistic suspense, patriotic themes, and impactful performances. It highlights real issues like black money and corruption while delivering strong entertainment.

Conclusion

Raid 2 has proven to be a formidable sequel, combining a compelling storyline with powerful performances to deliver a film that resonates with audiences. Its box office success underscores the franchise’s strength and the star power of its lead actors. As the film continues its theatrical run, it stands as a testament to the potential of well-crafted sequels in Bollywood.

Homeowners insurance is essential for protecting your most valuable asset—your home. Whether you live in California, Texas, Georgia, or anywhere else in the USA, understanding how to get the best homeowners insurance quote and what it covers can save you thousands of dollars and give you peace of mind.

This guide explains the average homeowners insurance cost by state, what influences your premiums, how to compare quotes, and tips to lower your rates in high-risk areas like California or hurricane-prone Texas.

What Is a Homeowners Insurance Quote?

A homeowners insurance quote is an estimate of how much you’ll pay for an insurance policy to cover your home, belongings, and liability. It typically includes:

• Dwelling coverage: Repairs or rebuilds your home if it’s damaged.

• Personal property coverage: Protects your belongings like furniture, electronics, and clothing.

• Liability protection: Covers injuries or damage to others on your property.

• Additional living expenses (ALE): Pays for hotel or rent if you’re temporarily displaced.

Quotes vary depending on your location, home value, coverage limits, and more.

Average Homeowners Insurance Cost by State

Insurance rates vary significantly by state due to risks like wildfires, hurricanes, and construction costs.

Note: These are estimates for a $300,000 home with standard coverage.

Homeowners Insurance in California

Why Is It Expensive in California?

California faces frequent wildfires, earthquakes, and rising construction costs, making it one of the riskiest states for insurers.

Coverage Tips

• Consider adding earthquake insurance (not usually covered in standard policies).

• Ask about fire-resistant materials or home upgrades to reduce premiums.

• Look for companies offering discounts for homes in Firewise USA® communities.

Best Providers in California

• State Farm

• Allstate

• Farmers Insurance

• AAA

Pro Tip: Bundle your auto and home insurance for up to 25% savings.

Homeowners Insurance in Texas

Unique Risks in Texas

Texas has some of the highest homeowners insurance rates due to:

• Hurricanes and windstorms (especially near the Gulf Coast)

• Tornadoes and hailstorms

• Flood risk in many counties

What’s Covered?

• Wind and hail damage are often covered.

• Flood insurance must be purchased separately (National Flood Insurance Program – NFIP).

• Optional sewer backup and foundation coverage are worth considering.

Top Insurance Companies in Texas

• USAA (for military families)

• Nationwide

• Texas Farm Bureau

• Liberty Mutual

Tip: Get quotes from regional providers like Texas Windstorm Insurance Association (TWIA) for coastal homes.

Homeowners Insurance in Georgia

Georgia Home Insurance Overview

Georgia offers moderate insurance costs but still faces regional risks such as:

• Tornadoes

• Hurricanes in coastal areas

• Heavy thunderstorms

Must-Have Coverage Options

• Windstorm endorsement

• Flood insurance (not included in standard policies)

• Mold remediation add-on

Best Insurance Providers in Georgia

• State Farm

• Travelers

• American Family Insurance

• Lemonade (for tech-savvy users)

Tip: Improve your home’s roof, plumbing, and electrical systems to qualify for lower rates.

What Affects Your Homeowners Insurance Quote?

Several factors influence your insurance premiums, regardless of location:

1. Location

• Zip code crime rate

• Weather/climate risks

• Distance from fire station or hydrant

2. Home Details

• Age and construction materials

• Roof condition and age

• Square footage and rebuild cost

3. Coverage Amounts

• Dwelling coverage limit

• Deductible (higher deductible = lower premium)

• Endorsements (earthquake, flood, jewelry)

4. Claims History

• Multiple past claims can raise your rates.

5. Credit Score

• Many states allow credit-based insurance scoring.

How to Get the Best Homeowners Insurance Quote

1. Compare Quotes from Multiple Companies

Use comparison websites like:

• Policygenius

• The Zebra

• Gabi

• NerdWallet

2. Bundle Policies

Combine home and auto insurance for discounts up to 30%.

3. Increase Your Deductible

A higher deductible lowers your premium, but ensure you can afford it in case of a claim.

4. Ask About Discounts

You may qualify for:

• New home discount

• Security system discount

• Claims-free history

• Smoke detectors and sprinkler systems

5. Maintain Good Credit

Better credit = lower premiums in most states.

Additional Coverage You May Need

Most standard homeowners policies do not cover:

• Flooding

• Earthquakes

• Sinkholes

• Termite damage

• Luxury items (jewelry, collectibles)

Recommended Add-Ons

• Flood insurance (especially in Texas and Georgia)

• Earthquake insurance (for California)

• Scheduled personal property coverage

• Water backup or foundation insurance

How to Read a Homeowners Insurance Quote

Key Terms to Understand

• Premium: Your annual or monthly payment

• Deductible: What you pay before insurance kicks in

• Replacement cost vs. Actual cash value:

  • Replacement cost covers full rebuild

  • ACV deducts depreciation

• Loss of use (ALE): Pays for hotel, food, rent if displaced

Make sure your coverage limits reflect current home values, especially after remodeling.

Cheapest Homeowners Insurance Companies in 2025 (Estimated)

Always get personalized quotes to compare actual costs.

Conclusion: Get a Free Homeowners Insurance Quote Today

Whether you’re buying a new home or reviewing your current policy, getting a free homeowners insurance quote is a smart move. With rates rising in places like California, Texas, and Georgia, shopping around can help you find the best deal.

Final Tips:

• Review your policy annually.

• Don’t underestimate replacement cost.

• Invest in safety upgrades for lower premiums.

• Never assume you’re covered for floods or earthquakes—check!

Ready to Compare Quotes?

Use trusted platforms like Policygenius, The Zebra, or Lemonade to find a cheap homeowners insurance quote in your state.

FAQs About Homeowners Insurance Quotes

1. Is homeowners insurance required by law?

No, but lenders require it if you have a mortgage.

2. Does homeowners insurance cover roof leaks?

Yes, if caused by a covered peril like a storm—but not from lack of maintenance.

3. Can I get a quote without personal information?

You can get estimated quotes, but final offers require details like your address and home info.

4. How do I switch insurance providers?

Compare new quotes, sign a new policy, and cancel the old one—timing is important to avoid a coverage gap.