· Pradhan Mantri Jan-Dhan Yojana (PMJDY)
Ø Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services.
Ø Special Benefits under PMJDY Scheme: -
- No minimum balance required.
- Accidental insurance cover of Rs. 1 lac
- After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
Ø PMJDY was launched on 28 August 2014.
Ø It is run by Department of Financial Services, Ministry of Finance.
Ø By 28 September2016, over 24.74 (247.4 million) bank accounts were opened and Rs. 43,532.53 crore (US$6.632 billion) were deposited under the scheme.
· Sukanya Samriddhi Account
Ø It is a saving scheme targeted at the parents of girl children. The scheme encourages parents to build a fund for thefuture education and marriage expenses for their female child.
Ø The scheme was launched by Prime Minister Narendra Modi on 22 January 2015 as a part of the Beti Bachao, Beti Padhao campaign
Ø The account can be opened at any India Post office or a branch of some authorised commercial banks.
Ø Initially, the interest rate was set at 9.1% but later revised to 9.25 in late March 2015.
· Pradhan Mantri Mudra Yojana
Ø This yojana is under the Micro Units Development and Refinance Agency (MUDRA) Bank is a new institution being set up by Government of India for development and refinancing activities relating to micro units.
Ø The purpose of MUDRA is to provide funding to the non-corporate small business sector and to serve those three categories of interventions has been named which includes:
- Shishu :- Loan upto Rs. 50000
- Kishore :- Loan ranging from Rs. 50000 to Rs. 5 lakh
- Tarun :- Loan above Rs. 5 lakh and below Rs. 10 lakh )
Ø It was launched on 8 April 2015
· Sansad Adarsh Gram yojana (SAANJHI)
Ø This yojana is launched by the Rural Development Ministry is aimed at improving the quality of all sections of the population in the villages.
Ø The goal is to develop three Adarsh Grams by March 2019, of which one would be achieved by 2016. Thereafter, five such Adarsh Grams (one per year) will be selected and developed by 2024.
Ø Under this scheme, each MP adopts a village every year for all-round development and helps in development of the selected villages using the programme of the Centre and States and their constituency development funds (MPLADS).
Ø It was launched on 11th October, 2014 (Lok Nayak Jai Prakash Narayan Ji's birth anniversary)
· Indira Awas Yojana:
Ø It is a social welfare flagship programme, created by the Indian Government, to provide housing for the rural poor in India.
Ø It provides financial assistance to rural poor for constructing their houses themselves.
· Janani Suraksha Yojana:
Ø It is an Indian Government scheme proposed by the Government of India.
Ø It was launched on 12 April 2005 by the Prime Minister of India.
Ø It aims to decrease the neo-natal and maternal deaths happening in the county by promoting institutional delivery of babies.
· Digital India Programme:
Ø Digital India is an initiative by the Government of India to ensure that Government services are made available to citizens electronically by improving online infrastructure and by increasing Internet connectivity.
Ø It was launched on 1 September 2015 by Prime Minister Narendra Modi.
Ø The initiative includes plans to connect rural areas with high speed internet networks.
Ø Digital India has three core components:
- The creation of digital infrastructure
- Delivery of services digitally
- Digital literacy
· Deen Dayal Upadhyaya Gram JyotiYojana (DDUGJY)
Ø The DDUGJY is one of the flagship programmes of the Ministry of Power and will facilitate 24x7 supply of power.
Ø It focuses on feeder separation (rural households & agricultural) and strengthening of sub-transmission & distribution infrastructure.
Ø The earlier scheme for rural electrification viz. Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY) has been subsumed in the new scheme as its rural electrification component.
Ø Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY) was launched on 25th July 2015 in Patna.
Ø This scheme will enable to initiate much awaited reforms in the rural areas.
· Atal Pension Yojana (APY)
Ø The APY will be focussed on all citizens in the unorganised sector, who join the National Pension System (NPS) administered by the Pension Fund Regulatory and Development Authority (PFRDA) and who are not members of any statutory social security scheme.
Ø The minimum age of joining MY is 18 years and maximum age is 40 years.
Ø The Central Government would also co-contribute 50% of the subscriber's contribution or Rs. 1000 per annum, whichever is lower, to each eligible subscriber account, for a period of 5 years.
Ø Atal Pension Yojana (MY) is open to all bank account holders who are not members of any statutory social security scheme.
Ø It was formally launchedon 9 May 2015 in Kolkata.
· One Rank One Pension scheme (OROP)
Ø The Central Government allotted Rs. 1000 Crore for the implementation of one rank one pension scheme.
Ø Accordingto the scheme, the armed forces personnel holding the same rank will get the same pension, regardless of the last drawn pay, years of service and the years served in a particular rank.
· Mahatma Gandhi National Rural Employment Guarantee Act (MNREGA)
Ø It aims at enhancing the livelihood security of people in rural areas by guaranteeing hundred days of wage employment in a financial year to a rural household whose adult members volunteer to do unskilled manual work.
· Rashtriya Krishi Vikas Yojana
Ø It is a State Plan Scheme of Additional Central Assistance launched in August 2007 as a part of the 11th Five YearPlan by the Government of India.
Ø It was launched under the aegis of the National Development Council; it seeks to achieve 4% annual growth in agriculture through development of Agriculture and its allied sectors.
· Saksham or Rajiv Gandhi Scheme for Empowerment of Adolescent Boys
Ø Its aims at all-round development of adolescent boys and make them self-reliant, gender sensitive and make themaware when they grow up. It covers all adolescent boys in the age group of 11-18 years.
· Sabla or rajiv Gandhi Scheme for Empowerment of Adolescent Girls
Ø The Rajiv Gandhi Scheme for Empowerment of Adolescent Girls (RGSEAG) Sabla is a centrally sponsored program of Government of India initiated on April 1, 2011 under Ministry of Women and Child Development.
Ø It was launched to enable the adolescent girls for self-development and empowerment, and also to improve their nutrition and health status.
· Skill India Programme
Ø It aims to provide a strong institutional framework at the Centre and States for implementation of skilling activities in the country.
Ø It seeks to provide the institutional capacity to train a minimum of 40 crore skilled people by 2022.
Ø This nationwide programme on financial inclusion was launched in February, 2011 with its focus on bringing the deprived sections of the society in the banking network to ensure that the benefits of economic growth reach everyone at all levels.
Ø This Yojana was a government-backed pension scheme targeted at the unorganized sector in India.
Ø It was applicable to all citizens in the unorganized sector that joined the National Pension Scheme (NPS).
Ø The scheme was announced by the Finance Minister in Budget 2010-11.
Ø This scheme has been replaced with Atal Pension Yojana.
· Swavlamban Health Insurance Scheme
Ø This scheme provides affordable Health Insurance to the persons with disabilities (PwDs).
Ø The scheme has been designed to deliver comprehensive cover to the beneficiary as well as his family.
· Heritage Development and Augmentation Yojana (HRIDAY)
Ø HRIDAY was launched on 21 January 2015 with the aim of bringing together urban planning, economic growth and heritage conservation in an inclusive manner to preserve the heritage character of each heritage city.
· Aral Mission for Rejuvenation and Urban Transformation (AMRUT)
Ø AMRUT is a mission aimed at transforming 500 cities and towns into efficient urban living spaces, with special focus on a healthy and green environment for children.
Ø AMRUTwas launched 24 June 2015.
· National Rural Health Mission (NERM)
Ø It is an initiative undertaken by the government of India to address the health needs of underserved rural areas.
Ø It was launched in April 2005.
Ø NRHM was initially tasked with addressing the health needs of 18 states that had been identified as having weak public health indicators.
· Public Distribution System (PDS)
Ø PDS is a government-sponsored chain of shops entrusted with the work of distributing basic food and non-food commodities to the needy sections of the society at very cheap prices.
Ø It is procured and maintained by Food Corporation of India.
Ø Targeted Public Distribution System (TPDS) was introduced with effect from June 1997.
· National Food Security Mission
Ø In view of the stagnating food grain production and an increasing consumption need of the growing population, Government of India has launched this Centrally Sponsored Scheme, 'National Food Security Mission' in October 2007.
Ø The aim of the scheme is to increase production and productivity of wheat, rice and pulses on a sustainable basis.
· Minimum Support Prices Scheme
Ø It is a form of market intervention by the Government of India to insure agricultural producers against any sharp fall in farm prices.
Ø A The minimum support prices are announced by the Government of India at the beginning of the sowing season for certain crops on the basis of the recommendations of the Commission for Agricultural Costs and Prices (CACP).
· Sarva Siksha Abhiyan (SSA)
Ø Sarva Shiksha Abhiyan (SSA) is Government of India's flagship programme for achievement of Universalization of Elementary Education (UEE) in a time bound manner, as mandated by 86th amendment to the Constitution of India making free and compulsory Education to the Children of 6-14 years age group, a Fundamental Right.
Ø SSA has been operational since 2000-2001.
Ø The expenditure on the programme was shared by the Central Government (85%) and the State Governments.
Ø Padhe Bharat Badhe Bharat is a nationwide sub-programme of Sarva Shiksha Abhiyan.
· DEEN DAYAL ANTYODAYA YOJANA I Aajeevika - National Rural Livelihoods Mission (NRLM)
Ø Aajeevika - National Rural Livelihoods Mission (NRLIvI) was launched by the Ministry of Rural Development (MoRD), Government of India in June 2011.
Ø NRLM set out with an agenda to cover 7 Crore rural poor households, across 600 districts, 6000 blocks, 2.5 lakh Gram Panchayats and 6 lakh villages in the country through self-managed Self Help Groups (SHGs).
Ø November 2015, the program was renamed Deen Dayal Antayodaya Yojana (DAY-NRLM).
· Kisan Vikas Patra (KVP)
Ø It is a certificate savings scheme was launched by the Government on 1st April, 1988. The scheme provided facility of unlimited investment by way of purchase of certificates from post offices in various denominations.
Ø After the Shayamla Gopinath committee recommendation the Government of India decided to close this scheme and KVP was closed in 2011.
Ø The new government re-launched it in 2014.
· Pradhan Mantri Gram Sinchai Yojana
Ø This Yojana is aimed at irrigating the field of every farmer and improving water use efficiency to provide 'Per Drop More Crop'.
Ø The primary objectives of PMKSY are to attract investments in irrigation system at field level, develop and expand cultivable land in the country.
· Pradhan Mantri Fasal Bima Yojana
Ø It was launched on 18 February 2016.
Ø It envisages a uniform premium of only 2 per cent to be paid by farmers for Khalif crops. and 1.5 per cent for Rabi crops.
Ø The premium for annual commercial and horticultural crops will be 5 per cent.
Ø the new crop insurance scheme is that losses incurred by them at any stage of the farming activity — from the sowing to the post-harvest season — would be covered.