PROGRAMMES AND SCHEMES LAUNCHED BY THE GOVERNMENT

PROGRAMMES AND SCHEMES LAUNCHED BY THE GOVERNMENT

PRADHAN MANTRI JAN DHAN YOJANA :
Objective of "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" is ensuring access to various financial services like availability of basic savings bank account, access to need based credit, remittances facility, insurance and pension to the excluded sections i.e. weaker sections & low income groups. 
Benefits of schemes are
Interest on deposit.
Accidental insurance cover of Rs.1Lakh
No minimum balance required
Life insurance cover of Rs.30,000
Overdraft facility after 6 months.
Access to Pension, insurance products.
RuPay Debit Card.
Overdraft facility upto Rs.5000/- is available in only one account per household.
Launched by PM Narendra Modi on 28th August 2014

SUKHANYA SAMRIDI ACCOUNT:

The objective behind this initiative is to address the gender imbalance & create positive environment in favor of girl child. It is the part of “Beti Bachao-Beti Padhao”.
Benefits of the scheme are
Highest interest rate of9.2%
Exempted from Tax u/s 80c
The maturity of account is 21 years from date of opening account or marriage of girl child whichever is earlier.
Initial deposit of Rs.1000 and thereafter any amount in multiple of Rs.100 can be deposited to maximum of 1.5lakhs.
Launched By PM Narendra Modi on 22nd January 2015.

MUDRA BANK YOJANA :
(MUDRA Bank - Micro Unit Development and Refinance Agency Bank)
MUDRA will provide credit up to Rs.10 lakh to small entrepreneurs & act as regulator of Micro finance institutions.
Objective of the scheme are to encourage entrepreneurs and small business units to expand their capabilities and to reduce over indebtedness.

Schemes offered by MUDRA bank are:
Shishu - the starters-covers loan up to Rs.50,000
Kishor - the mid stage finance seekers-covers loan above Rs.50,000 and up to Rs.5,00,000.
Tarun - growth seekers- covers loan above Rs.5,00,000 and up to Rs. 10,00,000
Launched by PM Narendra Modi on 8th April 2015.
PRADHAN MANTRI JEEVA JYOTI BIMA YOJANA:
It is government backed life insurance scheme.
Age limit: 18 to 50 years of age.
Annual premium- Rs.330 per year for life cover of Rs.2,00,000.
Launched by by PM Narendra Modi on 9th May 2015.

PRADHAN MANTRI SURAKSHA BIMA YOJANA:
Age limit : 18-70 years
Annual premium : Rs.12 per year.
Coverage : accidental death and full disability of Rs.2,00,00 and Rs.1,00,000 for partial disability.
Launched by by PM Narendra Modi on 9th May 2015.

ATAL PENSION SCHEME:
Atal pension scheme is targeted at unorganized sector workers.
Age limit: 18-40 years
Pension will start at age of 60 years.
Depending upon the contribution, the beneficiary will get guaranteed pension of Rs.1000 to Rs.5000 per month.
Govt will contribute 50% of total contribution or Rs.1000 whichever is lower.
Launched by by PM Narendra Modi on 9th may 2015.

MAKE IN INDIA:
Objective of Make in India initiative is
To promote India a manufacturing hub.
Economic transformation in India
To eliminate unnecessary law and regulation.
25 sectors have been included in Make in India scheme. Some of sectors are automobiles, chemicals, IT, pharmaceuticals, textiles, leather, tourism and hospitality, design manufacturing, renewable energy, mining and electronics.
Launched by by PM Narendra Modi on 25th September 2014.

SWACHH BHARAT:
Swachh Bharat Abhiyan is a national campaign by government of India aims to accomplish the vision of clean India by 2nd October 2019.
Launched by by PM Narendra Modi on 2nd October 2014.

A performance ranking on Swachh Bharat Abhiyan of 476 cities in the country, based on the extent of open defecation and solid waste management practices, released by the Ministry of Urban Development recently.
Top 10 cities are : Mysore, Tiruchirapalli, Navi Mumbai, Kochi, Hassan, Mandhya, Bengaluru, Thiruvanathapuram, Halisahar, Gangtok.

KISAN VIKAS PATRA:

Kisan Vikas Patra is a saving certificate scheme which was first launched in 1988 by India Post and it was relaunched in 2014.
The denomination available in Rs. 1000, 5000, 10000 & Rs.50000
The amount invested will double in 100 months.
Certificate is issued in single or in joint names.
It can be pledged as security to get loans.
Interest rate - 8.7%
Launched by by Finance Minister Arun jaitley on 18th November 2014.

KRISHI AMBANI BIMA YOJANA:
Objective of the scheme is to give impetus dying to agriculture practice.
If farmers bear any financial burden due to unexpected weather, then Krishi Ambani Bima Yojana will help them.

PRADHAN MANTRI GRAM SINCHAI YOJANA:

The motive of Pradhan Mantri Gram Sinchai Yojana will be to take irrigation water to each and every agricultural field in the country.
Launched by by Rajnath Singh.

PRADHAN MANTRI SANSAD ADARSH GRAM YOJANA:
Under this scheme, Mps will be responsible for developing the socio-economic and physical infrastructure of three villages each by 2019. Total of eight villages by 2024.
The first Adarsh gram must be developed by 2016 and more by 2019.
Total of 6433 Adarsh Grams of 265000 gram Panchayat will be created by 2024.
Launched by by PM Narendra Modi on 11th October 2014.

SOIL HEALTH CARD SCHEME:

Govt has launched this scheme to provide every farmers a soil health. The card will carry crop wise recommendations of nutrients/ fertilizers required for farmers to improve productivity.
Budget allotted Rs.100 crore for issuing cards.

DIGITAL INDIA:

The Government of India has launched the Digital India programme with the vision to transform India into a digitally empowered society and knowledge economy.
Digital India is keyed on three key areas –
Digital Infrastructure as a Utility to Every Citizen

Governance & Services on Demand
Digital Empowerment of Citizens
Pillars of Digital India –
Broadband Highways
Universal Access to Phones
Public Internet Access Programme
e-Governance – Reforming government through Technology
e-Kranti – Electronic delivery of services
Information for All
Electronics Manufacturing – Target NET ZERO Imports
IT for Jobs
Early Harvest Programmes
Launched by by PM Narendra Modi on 1st july 2015.

SKILL INDIA:

Skill India focuses on creating jobs for youth, the govt has decided to revamp the antiquated industrial training centres that will skill over 20 lakh youth annually.and creating 500million jobs by 2020.
Launched by by PM Narendra Modi on 15th July 2015 (on occasion of world youth skills day).

HRIDAY (National Heritage City Development and Augmentation Yojana):

The Ministry of Urban Development, Government of India, launched the (HRIDAY) scheme on 21st January, 2015, with a focus on holistic development of heritage cities.

With a duration of 27 months (completing in March 2017) and a total outlay of Rs.500 Crores, the Scheme is being implemented in 12 identified Cities namely, Ajmer, Amaravati, Amritsar, Badami, Dwarka, Gaya, Kanchipuram, Mathura, Puri, Varanasi, Velankanni and Warangal.

BETI BACHAO, BETI PADHAO YOJANA:

Beti Bachao, Beti Padhao (Save girl child, educate girl child) is a Government of India scheme that aims to generate awareness and improving the efficiency of welfare services meant for women. The scheme was initiated with an initial corpus of Rs 100 crore
Launched by by PM Narendra Modi on 22nd January 2015

INDRADANUSH:

Mission Indradhanush was launched to speed up the process of immunization. It aims to immunize all children against seven vaccine preventable diseases namely diphtheria, whooping cough (Pertussis), tetanus, polio, tuberculosis, measles and hepatitis B by 2020. The target of full coverage is set to be achieved by the year 2020.
Launched by by Union Health Minister J.P.Nadda on 25th december 2014

Deen Dayal Upadhyaya Gram Jyoti Yojana:
DDUGJY is a Government of India scheme aimed to provide continuous power supply to rural India. 
It is one of the key initiatives of Modi Government and it aims to supply 24x7 uninterrupted power supplies to all homes. 
The government plans to invest Rs 75,600 crore for rural electrification under this scheme. The scheme will replace the existing Rajiv Gandhi Grameen Vidyutikaran Yojana.
Deen Dayal Upadhyaya Grameen Kaushalya Yojana :
DDU-GKY is a Government of India youth employment scheme. 
It was launched by on 25 September 2014 by Union Minsters Nitin Gadkari and Venkaiah Naidu on the occasion of 98th birth anniversary of Pandit Deendayal Upadhyay. It aims to target youth, under the age group of 18–35 years.

PANDIT DEENDAYAL UPADHYAY SHRAMEV YOJANA:

A dedicated Shram Suvidha Portal: That would allot Labour Identification Number (LIN) to nearly 6 lakhs units and allow them to file online compliance for 16 out of 44 labour laws
An all-new Random Inspection Scheme: Utilizing technology to eliminate human discretion in selection of units for Inspection, and uploading of Inspection Reports within 72 hours of inspection mandatory
Universal Account Number: Enables 4.17 crore employees to have their Provident Fund account portable, hassle-free and universally accessible
Apprentice Protsahan Yojana: Will support manufacturing units mainly and other establishments by reimbursing 50% of the stipend paid to apprentices during first two years of their training
Revamped Rashtriya Swasthya Bima Yojana: Introducing a Smart Card for the workers in the unorganized sector seeded with details of two more social security schemes

AMRUT - ATAL MISSION FOR REJUVENATION AND URBAN DEVELPOMENT:

The AMRUT scheme would focus on water supply, sewerage facilities and management, storm water drains to reduce flooding, strengthening of public transport facilities and creating public amenities like parks and recreation clubs.
AMRUT- Upgraded version of JNNURM (Jawaharlal Nehru National Urban Renewal Mission)

SWADESH DARSHAN:

Under Swadesh Darshan, integrated development of theme based circuits has been taken up for holistic and inclusive development which can provide engaging and complete tourism experience to both domestic including low budget tourists and foreign tourists. The Scheme envisages enhancement of tourist attractiveness in a sustainable manner by developing world class infrastructure in the circuit destination. 
Launched by Ministry of Tourism.

PRASAD (Pilgrimage Rejuvenation and Spiritual Augmentation Drive)
PRASAD to beautify and improve the amenities and infrastructure at pilgrimage centres of all faiths.
Under PRASAD, initially twelve cities have been identified namely Ajmer, Amritsar, Amravati, Dwarka, Gaya, Kedarnath, Kamakhaya, Kanchipuram, Mathura, Puri, Varanasi and Velankanni.
Launched by Ministry of Tourism.
Mahatma Gandhi Pravasi Suraksha Yojana-MGPSY:

Mahatma Gandhi Pravasi Suraksha Yojana is a special social security scheme which includes Pension and Life Insurance, introduced by Ministry of Overseas Indian Affairs for the overseas Indian workers in possession of Emigration Check Required (ECR) passports. It is a voluntary scheme designed to help workers to meet their three financial needs: saving for retirement, saving for their return and resettlement, and providing free life insurance offering coverage for death from natural causes.

UDAAN PROJECT:

The Special Industry Initiative J&K ‘Udaan’ Scheme is to provide skills and enhance employability of 40,000 youth over a period of five years in key high growth sectors. The scheme is being implemented by the National Skill Development Council (NSDC) and the corporate sector in PPP mode.
Udaan also aims to provide a platform that empowers girl students and provides them with better learning opportunities. Human resource development (HRD) ministry programme is designed to provide a comprehensive platform to deserving girl students aspiring to pursue higher education in engineering and assist them to prepare for the IIT-JEE while studying in Classes 11 and 12.

BAL SWACHH ABHIYAN:
Bal Swachhta Abhiyan is a mission launched on 14th of November 2014 to increase awareness about the cleanliness of the children all over the India.

RANI LAXMI BAI PENSION SCHEME:
This is special pension scheme it would be given to Muzzaffarnagar riot victims by UP gover

Micro & Small Enterprises Cluster Development Programme (MSE-CDP)
The Micro and Small Enterprises – Cluster Development Programme (MSECDP) is being implemented for holistic and integrated development of micro and small enterprises in clusters through Soft Interventions (such as capacity building, marketing development, export promotion, skill development, technology upgradation, organizing workshops, seminars, training, study visits, exposure visits, etc.), Hard Interventions (setting up of Common Facility Centers) and Infrastructure Development (create/upgrade infrastructural facilities in the new/existing industrial areas/clusters of MSEs). Assistance is provided for the following activities under the scheme- (i) Preparation of Diagnostic Study Report with Government of India (GoI) grant of maximum Rs 2.50 lakh (ii) Soft Interventions with GoI grant of 75 per cent of the sanctioned amount of the maximum project cost of Rs 25.00 lakh per cluster. For NE & Hill States, Clusters with more than 50 per cent (a) micro/ village (b) women owned (c) SC/ST units, the GoI grant will be 90 per cent. (iii) Detailed Project Report (DPR) with GoI grant of maximum Rs 5.00 lakh for preparation of a technical feasible and financially viable project report. (iv) Hard Interventions in the form of tangible assets like Common Facility Centre having machinery and equipment for critical processes, research and development, testing, etc. with GoI grant upto 70 per cent of the cost of project of maximum Rs 15.00 crore. For NE & Hill States, Clusters with more than 50 per cent (a) micro/ village (b) women owned (c) SC/ST units, the GoI grant will be 90 per cent. 7 (v) Infrastructure Development with GoI grant of upto 60 per cent of the cost of project of Rs 10.00 crore, excluding cost of land. GoI grant will be 80 per cent for projects in NE & Hill States, industrial areas/ estates with more than 50 per cent (a) micro (b) women owned (c) SC/ST units. (vi) The GoI assistance shall also be available to Associations of Women Entrepreneurs for establishing exhibition centres at central places for display and sale of products of women owned micro and small enterprises @ 40 per cent of the project cost. A total of 921 interventions in various clusters spread over 28 States and 1 UTs in the country have so far been taken under the programme for Diagnostic Study, Soft Interventions and Hard Interventions (CFCs). Further, 170 projects have been taken up for infrastructure development under the scheme.

Establishment of Science Cities
National Council of Science Museums (NCSM), an autonomous organization under the Union Ministry of Culture is enga ged in establishment of Science Centres throughout the country. NCSM is developing a Science City at Guwahati, Assam which will subsequently be handed over to the Govt. of Assam for future operation and maintenance. Proposals from various state governments have also been received for setting up of Science Cities. The Science Centres/Cities projects are taken up by NCSM in a phased manner depending upon the availability of resources, project handling capacity of NCSM and the existing level of science centre activities in that particular State.

The following proposals have also been received by NCSM for establishment of Science Cities:-
1) Science City, Sampla, Govt. of Haryana
2) Science City, Bengaluru, Govt. of Karnataka
3) Science City, Navi Mumbai, Govt. of Maharashtra
4) Science City, Hyderabad, Govt. of Andhra Pradesh (before bifurcation into Telangana and Andhra Pradesh).
5) Science City, Patna, Govt. of Bihar
6) Science City, Nagpur, Govt. of Maharashtra
7) Science City, Bhubaneswar, Govt. of Odishab
8) Science City, Kumhari, Govt. of Chhattisgarh Science Park is now an integral component of all Science Centres and Science Cities.

Beti Bachao, Beti Padhao
The Census(2011) data showed a significant declining trend in the Child Sex Ratio (CSR)
at an all time low of 918. The sharp decline pointed out by this data called for urgent action to save the girl child. Towards this end, the government announced Beti Bachao, Beti Padhao (BBBP) scheme to address the issue of decline in CSR through a mass campaign across the country and focussed intervention and multi-sectoral action in 100 gender critical districts. 100 districts have been identified on the basis of low child sex ratio as per Census 2011 covering all states/UTs as a pilot project with at least one district in each state. The three criteria for selection of districts are a) districts below the national average(87 districts in 23 states); b) districts above national average but showing declining trend(8 districts in 8 states) and c) districts above national average and showing increasing trend(5 districts in 5 states) so selected, so that these CSR levels can be maintained and other districts can emulate and learn from their experiences.

A budgetary allocation of Rs 100 cr has been made under the budget announcement for the campaign and Rs 100 cr is to be mobilised from Plan outlay of the planned scheme 'Care and protection of girl child - a multi-sectoral action plan' for the 12th plan. Additional resources could be mobilised through corporate social responsibility at national and state levels. The estimated cost of the scheme is Rs 200 cr, out of which Rs 115 cr is proposed to be released during the current year i.e. 2014-15 (for six months); Rs 45 cr and Rs 40 cr will be released during 2015-16 and 2016-2017 respectively.

The overall goal of the scheme is to celebrate the girl child and enable her education. The objectives are to prevent gender biased sex selective elimination and ensure survival, protection and education of the girl child.
Eight monitorable targets for this programme have been identified, namely, improving the SRB in 100 gender critical districts by 10 points in a year;
Reducing gender differentials in under-five child mortality rate from 8 points in 2011 to 4 points in 2017;
Improving the nutrition status of girls by reducing number of underweight and anaemic girls under 5 years of age (from NFHS 3 levels);
Ensuring universalisation of ICDS, girls' attendance and equal care monitored using joint ICDS-NRHM Mother Child Protection Cards;
Increasing girls' enrollment in secondary education from 76 per cent in 2013-14 to 79 per cent by 2017;
Provision of girls' toilets in every school in 100 CSR districts by 2017;
Promoting a protective environment for Girl children through implementation of Protection Of Children from Sexual Offences (POSCO) Act 2012 and;
Training elected representatives/grassroots functionaries as community champions to mobilise the communities to improve CSR and promote girls' education. The strategies worked out to achieve these targets included-
Implementation of a sustained social mobilisation and communication campaign to create equal value for the girl child and promote her education;
Placing of the issue of decline in CSR/SRB in public discourse as part of good governance;
Focussing on gender critical districts and cities low on CSR for intensive and integrated action;
Mobilising and training panchayati raj institutions/urban local bodies/grassroots workers as catalysts for social change, in partnership with local community/women's/youth groups;
Ensuring that service delivery structures/schemes and programmes are sufficiently responsive to issues of gender and children's rights and lastly;
Enabling inter-sectoral and inter-institutional convergence at district/block/grassroots levels

The two major components to achieve the targets of the programme are mass communication campaign on the programme through interlinked national, state and district level interventions with community level action in 100 districts, bringing together different stakeholders for accelerated impact. Multi-sectoral action, drawn up in consultation with MoHFW & MoHRD, would include measurable outcomes and indicators through concerned sectors, states and districts. The states/UTs would adapt a flexible framework for multisectoral action through the state task forces for developing, implementing and monitoring state/district plans of action to achieve their respective specific monitorable targets.

One of the prongs for the success of this programme was advocacy, community mobilisation and
awareness generation. The scheme proposal suggests that community mobilisation could be done through interactive initiatives like Nari ki Chaupal, Beti Janmahotsav, Mann ki Baat etc. A dedicated day could be scheduled every month for celebration of Beti Bachao, Beti Padhao. National Girl Child day could be celebrated on 24th January every year by all stakeholders including local opinion makers, PRI members, MLAs, MPs etc at district levels led by the district administration of the 100 gender critical districts. International Women's Day could be celebrated to send out a strong message highlighting the importance of gender equality and need of empowering women and girls. Further, celebration of this Day can be used to highlight the contribution of empowered mothers for the BBBP scheme. A pledge for protection, safety, value and education of the girl child may be adopted by the government of India and it may be taken on the occasion of National Girl Child Day.

PAHAL SCHEME
PAHAL stands for Pratyaksh Hanstantrit Labh which is a Direct Benefit Transfer for LPG (DBTL) scheme, launched by the Centre on 1st January, 2015 with the aim to benefit the LPG consumers. Under this scheme, LPG cylinders will be sold to Cash Transfer Compliant (CTC) consumers at the market determined price, while the cash subsidy will be directly transferred to the bank account of the beneficiary by the following methods:
1. Primary: Consumers having Aadhar number have to get it linked with bank account so as to get the subsidy directly in their bank accounts.
2. Secondary: Consumers lacking Aadhar number will get subsidy in their account after submitting their relevant bank account details to the LPG distributor (A/C No., Name of A/C holder, IFSC code etc).
Consumers who are receiving subsidy directly in their bank accounts are called Cash Transfer Compliant (CTC) Consumers. For the non-CTC Consumers, however, a grace period of three months (with an additional parking period of three months) is allowed to become CTC consumer. But during this period, the non- CTC consumers will be given LPG cylinders at the market determined prices.
A one- time advance is provided to every CTC Consumer joining PAHAL. The advance is notified by the Government from time to time and remains fixed during that financial year. The advance will remain with the consumers till the time of termination of their connection.
The modified scheme had been re launched initially in 54 districts of the country in the first phase and in other parts of the country on 1st January 2015.

Vanbandhu Kalyan Yojana
Centre has launched Vanbandhu Kalyan Yojana (VKY) for the welfare of Tribals. The scheme been launched on pilot basis in one block each of the States of AP, MP, HP, Telangana, Orissa, Jharkhand, Chattisgarh, Rajasthan, Maharashtra and Gujarat. Under this scheme centre has provided Rs. 10 crore for each block for development of various facilities for the Tribals. These blocks have been selected on the recommendations of the concerned States and have very low literacy rate. The scheme mainly focuses on bridging infrastructural gaps and gaps in human development indices between Schedule tribes and other social groups. VKY also envisages to focus on convergence of different schemes of development of the centre and State Governments with an outcome oriented approach. Initially the blocks having at least 33 per cent tribal population in comparison to total population of the block are to be targeted.

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