Important Govt Schemes

Govt Schemes in news during 2023

Pradhan Mantri Kaushal Vikas Yojana 4.0

Ministry:
The Pradhan Mantri Kaushal Vikas Yojana 4.0 has been launched by Ministry of Skill Development and Entrepreneurship.

Launch date : February 2023

Target:
The scheme aims to skill lakhs of youth within the next three years. The scheme will emphasize on On-job training, industry partnership, and alignment of courses with needs of industry. The scheme will also include new age courses for Industry 4.0 like coding, AI, robotics, mechatronics, IOT, 3D printing, drones, and soft skills.

It is also proposed to set up 30 Skill India International Centres across different States to skill the youth for international opportunities.

Pradhan Mantri Jan-Dhan Yojana (PMJDY)

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a National Mission for Financial Inclusion launched by the Government of India to ensure access to financial services, namely, a basic savings & deposit accounts, remittance, credit, insurance, pension in an affordable manner. Under the scheme, a basic savings bank deposit (BSBD) account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any other account.

Some benefits under PMJDY include:
– One basic savings bank account is opened for unbanked person.
– There is no requirement to maintain any minimum balance in PMJDY accounts.
– Interest is earned on the deposit in PMJDY accounts.
– Rupay Debit card is provided to PMJDY account holder.
– Accident Insurance Cover of Rs.1 lakh (enhanced to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card issued to the PMJDY account holders.
– An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed life insurance scheme launched on 9th May 2015 by PM Narendra Modi in Kolkata. The scheme is implemented by the Life Insurance Corporation of India.

The scheme is available to people aged between 18 years to 50 years who have a bank account. The premium for this scheme is Rs. 330 per year.

In case of the death of the insured person, the next eligible beneficiary is provided with a death benefit including a death coverage of Rs. 2,00,000.

Pradhan Mantri Suraksha Bima Yojana

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government-backed accident insurance scheme in India. It was formally launched by Prime Minister Narendra Modi on 8 May in Kolkata.

The scheme is available to people (Indian Resident or NRI) between 18 and 70 years of age with bank accounts. It has an annual premium of ₹20 and is exempted from Goods and Services Tax (GST). The amount is automatically debited from the account.

Ayushman Bharat Yojana (ABY)

The Ayushman Bharat Yojana (ABY), also known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY), is a national public health insurance scheme of the Government of India that aims to provide free access to health insurance coverage for low income earners in the country1. Roughly, the bottom 50% of the country qualifies for this scheme1.

The policy also covers hospitalization charges, room rent, consultation fee, OT and ICU charges, diagnostic costs and surgeon fee, etc. The plan also includes pre-hospitalization of 3 days and 15 days of post-hospitalization which include diagnostics and medicines.

The coverage amount under the scheme is INR 5 Lakh and is available under public as well as private hospitals across India. Cashless hospitalization is available and there is no restriction of age, family size and gender under the scheme. Coverage to pre-existing diseases is offered from first day of the plan.

The Ayushman Bharat Yojana is regarded as one of the largest medical insurance schemes in the world being financed by the Govt. of India.

Pradhan Mantri Awas Yojana (PMAY)

The Pradhan Mantri Awas Yojana (PMAY) is a scheme by the Central Government with the mission of providing affordable housing for all income groups. The scheme was launched in 2015 and is divided into two parts: PMAY (Urban) and PMAY (Gramin).

The PMAY (Gramin) aims to provide ‘pucca’ houses with basic amenities to those living in ‘kutcha’ huts in the rural areas of India.

All houses under PMAY (U) have basic amenities like toilet, water supply, electricity and kitchen. The Mission promotes women empowerment by providing the ownership of houses in the name of female members or in joint name.

PMAY – U covers all towns as mentioned in the 2011 Census. Areas under the jurisdiction of an urban development authority, special area development authority, industrial development authority, planning/ development authority, and any authority under a state government will be covered by this scheme.

Atal Pension Yojana (APY)

The Atal Pension Yojana (APY) is a government pension program that was launched on June 1, 2015, to create a universal social security system for eligible Indians, particularly the poor, vulnerable sections of society, and workers in the unorganized sector.

The APY is administered by the Pension Fund Regulatory and Development Authority (PFRDA) through the National Pension System (NPS). The nodal ministry of the scheme is the Ministry of Finance.

The APY plan is open to all Indian citizens. The subscriber should be between the ages of 18 and 40. Contribution levels would fluctuate depending on when a subscriber joined and would be lower if she joined early and more if she joined late.

From the age of 60, a subscriber would receive a minimum guaranteed pension ranging from Rs 1,000 to Rs 5,000 per month, depending on his contribution. The subscriber’s spouse would get the same pension, and the accrued pension wealth would be returned to the nominee if both the subscriber and the spouse died.

Beti Bachao, Beti Padhao Yojana

The Beti Bachao, Beti Padhao Yojana was launched on 22nd January, 2015 by the Indian Government with the objective of improving the Child Sex Ratio (number of girls per 1000 boys within the age group of 0-6 years) in the country and creating an enabling environment for the all-round development of the girl child.

The scheme is a joint effort of the Ministry of Women and Child Development, Ministry of Human Resource Development, and Ministry of Health and Family Welfare.

The overall long term objective of the Beti Bachao Beti Padhao (BBBP) Scheme is to improve Child Sex Ratio (number of girls per 1000 boys within the age group of 0-6 years) in the country and create an enabling environment for the all-round development of the girl child.

Digital India Programme

The Digital India Programme was launched by the Prime Minister of India, Narendra Modi, on 1 July 2015, with an objective of connecting rural areas with high-speed Internet networks and improving digital literacy.

The programme is a flagship initiative of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy. It aims to ensure digital access, digital inclusion, digital empowerment, and bridging the digital divide.

The programme is centered on three key vision areas: digital infrastructure as a core utility to every citizen, governance and services on demand, and digital empowerment of citizens. The overall goal is to ensure that digital technologies improve the life of every citizen, expand India’s digital economy, and create investment and employment opportunities and create digital technological capabilities in India.

Swachh Bharat Abhiyan

Swachh Bharat Abhiyan, also known as the Clean India Mission, is a country-wide campaign initiated by the Government of India in 2014 to eliminate open defecation and improve solid waste management. The campaign was officially launched on 2nd October 2014 at Rajghat, New Delhi by Prime Minister Narendra Modi.

The campaign aims to achieve the vision of a ‘Clean India’. The mission was split into two: rural and urban. In rural areas “SBM – Gramin” was financed and monitored through the Ministry of Drinking Water and Sanitation (since converted to the Department of Drinking Water and Sanitation under the Ministry of Jal Shakti) whereas “SBM – urban” was overseen by the Ministry of Housing and Urban Affairs.

Make in India

Make in India is an initiative launched by the Government of India on 25th September 2014 to facilitate investment, foster innovation, enhance skill development, and build best-in-class manufacturing infrastructure. The initiative was launched by Prime Minister Narendra Modi.

The initiative works under the Ministry of Commerce and Industry. It aims to transform India into a global design and manufacturing hub.

National Rural Livelihood Mission (NRLM)

The National Rural Livelihood Mission (NRLM), now known as the Deen Dayal Antyodaya Yojana – National Livelihoods Mission (DAY-NRLM), is a government-run program launched in **June 2011** by the Ministry of Rural Development. It aims to reduce poverty in rural India by creating sustainable livelihoods for the poor.

The mission aims at mobilizing about 9-10 crore rural poor households into Self Help Groups (SHGs) in a phased manner and provide them long-term support such that they diversify their livelihoods, improve their incomes and quality of life.

Pradhan Mantri Ujjwala Yojana (PMUY)

Pradhan Mantri Ujjwala Yojana (PMUY) is a scheme launched by the Ministry of Petroleum & Natural Gas on **1st May 2016** in Ballia, Uttar Pradesh¹. The scheme aims to provide LPG connections to women from Below Poverty Line (BPL) households.

Skill India Mission

Skill India Mission is a comprehensive program launched by Prime Minister Narendra Modi on **15th July 2015** in accordance with the World Youth Skills Day. The initiative was aimed to create and implement comprehensive skill development training programs that would help bridge the gap between industry demands and skill requirements and therefore, develop the country at large.

The Skill India programs comprised implementing curriculum-based skill training courses, wherein trainees would gain certifications and endorsements from industry-recognized learning centers. The mission also involved incorporating skill-based learning in school curriculum, creating opportunities for both long- and short-term skill training and employment.

Start-up India

The Start-up India Programme is a flagship initiative of the Government of India intended to catalyze start-up culture and build a strong and inclusive ecosystem for innovation and entrepreneurship in India. It was launched on 16th January 2016. The programs is under Department for Industrial Policy and Promotion (DPIIT).

The 19-Point Action Plan of Start-up India, envisages support for Start-ups in the form of enhanced infrastructure including incubation centers, easier IPR facilitation, including easier patent filing, a better regulatory environment including tax benefits, easier compliance, improved of setting up a company, faster exit mechanisms and more. An economic stimulus in the form of a INR 10,000 crore Fund of Funds managed by SIDBI, with the goal of increasing funding opportunities is also provided.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a government scheme that provides insurance coverage to farmers in case of failure of any notified crop. It was launched by Prime Minister Narendra Modi in 2016. The scheme aims to support production in agriculture by providing affordable crop insurance to ensure comprehensive risk cover for crops of farmers against all non-preventable natural risks from pre-sowing to post-harvest stage, on an ‘Area Approach Basis’.

National Health Protection Scheme (NHPS)

The National Health Protection Scheme (NHPS), now known as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), is a healthcare insurance program proposed by the Government of India in 2018. It was launched in Ranchi, Jharkhand by the Hon’ble Prime Minister of India, Shri Narendra Modi.

The scheme aims to provide a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization to over 10.74 crores poor and vulnerable families (approximately 50 crore beneficiaries) that form the bottom 40% of the Indian population.

Pradhan Mantri Mudra Yojana (PMMY)

The Pradhan Mantri Mudra Yojana (PMMY) was launched in 2015, by Prime Minister Narendra Modi to facilitate easy collateral-free micro-credit of up to Rs 10 lakh to non-corporate, non-farm small and micro-entrepreneurs for income-generating activities. The loans under PMMY are provided by Member Lending Institutions (MLIs), i.e., Banks, Non-Banking Financial Companies (NBFCs), Micro Finance Institutions (MFIs) and other financial intermediaries.

The scheme is run under Ministry of Finance. The scheme has following 3 types of loans:
– Shishu (Covering loans upto Rs. 50,000/-)
– Kishor (Covering loans upto Rs. 5,00,000/-)
– Tarun (Covering loans upto Rs. 10,00,000/-)

Smart Cities Mission:

Ministry: The Smart Cities Mission is an initiative by the Ministry of Housing and Urban Affairs.

Launch Date: The Smart Cities Mission was launched by the Hon’ Prime Minister on 25 June, 2015.

Target: The main objective of the Mission is to promote cities that provide core infrastructure, clean and sustainable environment and give a decent quality of life. The focus is on sustainable and inclusive development by creation of replicable models which act as lighthouses to other aspiring cities .

Other important facts:
– 100 cities have been selected to be developed as Smart Cities through a two-stage competition .
– The Mission is operated as a Centrally Sponsored Scheme. The Central Government will give financial support to the extent of Rs. 48,000 crores over 5 years i.e. on an average Rs.100 crore per city per year. An equal amount on a matching basis is to be provided by the State/ULB.
– Additional resources are to be raised through convergence, from ULBs’ own funds, grants under Finance Commission, innovative finance mechanisms such as Municipal Bonds, other government programs and borrowings.
– Emphasis has been given on the participation of the private sector through Public Private Partnerships (PPP).

Udaan Scheme

Ministry: The Udaan Scheme is a Special Industry Initiative (SII) for the state of Jammu and Kashmir (J&K), funded by the Ministry of Home Affairs and implemented by National Skill Development Corporation (NSDC).

Target: The aim of the Udaan scheme is capacity building of the youth in J&K through skill development and subsequently exposing them to the best of corporate in India. The initiative also aims at providing the corporate sector in India access to the rich talent pool in J&K .

Rashtriya Swasthya Bima Yojana (RSBY)

Ministry: The Rashtriya Swasthya Bima Yojana (RSBY) is a government-run health insurance programme for the Indian poor.

Launch Date: RSBY started on April 1, 2008, and was a project controlled by the Ministry of Labour and Employment. On 1st April 2015, it came under the Ministry of Health and Family Welfare.

Target: The scheme aims to provide health insurance coverage to the unrecognised sector workers belonging to the BPL category and their family members shall be beneficiaries under this scheme.

Other important facts:
– The Beneficiaries under this scheme are provided with insurance coverage up to Rs. 30,000 per annum on family floater basis and extends to maximum five members of the family including the head of the household, spouse and up to three dependants.
– The beneficiaries are provided with a biometric-enabled smart card.
– It provides cashless insurance coverage for all health services and hospitalization.

Pradhan Mantri Matru Vandana Yojna (PMMVY)

Ministry: The Pradhan Mantri Matru Vandana Yojna (PMMVY) is a maternity benefit programme implemented by the Ministry of Women and Child Development.

Target: Pregnant Women and Lactating Mothers (PW&LM) are eligible for three instalments of maternity benefits totalling Rs. 5000 upon meeting specified requirements.

Other important facts:
– The cash incentive of ₹ 5000/- is provided directly in the bank/post office account of Pregnant Women and Lactating Mothers .
– The incentive is provided in three installments and is to be claimed within 150 days, 180 days, and at childbirth respectively.

Poshan Abhiyan

Ministry: Poshan Abhiyaan is a multi-ministerial convergence mission with the vision to ensure attainment of malnutrition free India.

Launch Date: Poshan Abhiyaan was launched by Prime Minister Shri Narendra Modi in Jhunjhunu, Rajasthan in March 2018.

Target: The objective of Poshan Abhiyaan is to reduce stunting in identified Districts of India with the highest malnutrition burden by improving utilization of key Anganwadi Services and improving the quality of Anganwadi Services delivery. Its aim is to ensure holistic development and adequate nutrition for pregnant women, mothers and children.

Other important facts:
– The target of the mission is to bring down stunting in children (0-6 years).
– Poshan Abhiyaan also aims to reduce anemia among women and adolescent girls (15-49 years) and improve birth weight.