What are the main problems of human capital formation in India?

There are two main sources of human capital formation :
(i) Education
(ii) Health
The main problems are as under :
Problems of Educational System :
(i) Unbalanced development
(ii) Wastage of resources.
(iii) Examination system
(iv) Expensive higher education system.
(v) Lack of funds.
(vi) Uneven per capita expenditure.
Problems of Health :
(i) Uneven distribution of medical facilities.
(ii) Mismatch between infrastructure and trained personnel.
(iii) Lack of appropriate referral system.
(iv) Poor sanitary conditions.