Government schemes
·
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.
·
Swabhiman
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.
·
Swavlamban
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.