Unnat Bharat Abhiyan SRMIST

Kisan Credit Card (KCC)

PM-KISAN Scheme<o:p></o:p>

PM Kisan is a Central Sector scheme with 100% funding from
Government of India.<o:p></o:p>

It has become operational from 1.12.2018.<o:p></o:p>

Under the scheme an income support of 6,000/- per year in
three equal installments will be provided to small and marginal farmer families
having combined land holding/ownership of upto 2 hectares.<o:p></o:p>

Definition of family for the scheme is husband, wife and
minor children.<o:p></o:p>

State Government and UT administration will identify the
farmer families which are eligible for support as per scheme guidelines.<o:p></o:p>

The fund will be directly transferred to the bank accounts
of the beneficiaries.<o:p></o:p>

The first instalment for the period 1.12.2018 to 31.03.2019
is to be provided in the financial year itself.<o:p></o:p>

Kisan Credit Card (KCC) is one of the major schemes launched
by the government to help small farmers. The Government of India (GoI) gives up
to Rs 1.6 lakh KCC loan without any collateral or guarantee to the small
farmers who hold KCC. As per the tax and investment experts, farmers can take
loans up to Rs 5 lakh KCC loan in 3 years. The KCC loan interest rate is also
very low at 4 per cent per annum. But, to avail the Kisan Credit Card facility,
a farmer must open account under PM Kisan Samman Nidhi Yojana. As the center
has made it clear that it is going to distribute around 2.5 crore Kisan Credit
Card, it becomes important for the small farmers to know about the benefits of
KCC and cheaper KCC loan.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7NueGR-CrCGnQ9bHzYkyUugxh36LvbYP1-zN3LI9t2RZEF7zpv5UjJQDniKccFg2eTG6ul3qyclKi3O20M5tXmu9mLJKxShHM8RFOS_PYeSq1rCcy98SrtDxLDC_sVBwNHhsVey2Mu74/s750/Pm-Kisan-KCC-scheme-Apply.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="556" data-original-width="750" height="379" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7NueGR-CrCGnQ9bHzYkyUugxh36LvbYP1-zN3LI9t2RZEF7zpv5UjJQDniKccFg2eTG6ul3qyclKi3O20M5tXmu9mLJKxShHM8RFOS_PYeSq1rCcy98SrtDxLDC_sVBwNHhsVey2Mu74/w512-h379/Pm-Kisan-KCC-scheme-Apply.jpg" width="512" /></a></div><o:p></o:p>

Through the Kisan Credit Card, farmers can take a short-term
loan of up to Rs 3 lakh in 5 years. Although the loan is available at the rate
of 9 per cent, but the government gives a subsidy of 2 per cent on it. In this
sense, it stands at 7 per cent. On the other hand, if the farmer returns this
loan on time, then he gets a further rebate of 3 per cent. Means, after
repaying the first loan on time, the small farmer who holds Kisan Credit Card,
becomes eligible for an additional 3 per cent rebate on the KCC loan and then
the KCC loan interest rate become 4 (7-3 = 4) per cent.<o:p></o:p>

KCC online application<o:p></o:p>

<o:p> </o:p>

The validity of the Kisan Credit Card is five years. On can
get up to Rs 1.6 lakh collateral free loan without any guarantee and all KCC
loans are covered under crop insurance scheme. The GoI is going to issue 2.5
crore new Kisan Credit Card and hence those small farmers who have account in
PM Kisan Samman Nidhi Yojana, should immediately apply for the KCC.<o:p></o:p>

<o:p> </o:p>

Here is the step by step guide to apply for Kisan Credit
Card online:<o:p></o:p>

<o:p> </o:p>

1] Go to the official site of PM Kisan Samman Nidhi Yojana —
pmkisan.gov.in;<o:p></o:p>

2] Download the Kisan Credit Card form;<o:p></o:p>

3] Fill Kisan Credit Card form with the documents of your
land, details of the crop, etc;<o:p></o:p>

4] Give declaration that you have not made any other Kisan
Credit Card from any other bank or branch; and<o:p></o:p>

5] Submit the application, after which you will get the Kisan
Credit Card from the concerned bank.<o:p></o:p>

<o:p> </o:p>

KCC can be obtained from any Co-operative Bank, Regional
Rural Bank (RRB). This card can also be taken from SBI, BOI and IDBI Bank or
National Payments Corporation of India (NPCI) that issues RuPay KCC.<o:p></o:p>

Kisan Credit Card (KCC)

PM-KISAN Scheme PM Kisan is a Central Sector scheme with 100% funding from Government of India. It has become operational from 1.12.2018...

Janani Suraksha Yojana

Janani Suraksha Yojana (JSY) is a safe motherhood
intervention under the National Health Mission. It is being implemented with
the objective of reducing maternal and neonatal mortality by promoting
institutional delivery among poor pregnant women. The scheme, launched on 12
April 2005 by the Hon’ble Prime Minister, is under implementation in all states
and Union Territories (UTs), with a special focus on Low Performing States
(LPS). <o:p></o:p>

<o:p> </o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZLpdh0i_YrZwrG4scOQu5zd-S42Pn1KEfVMQnjJ3p8eA60PPJ29Pyjntcy044rWun0xYUsmUGZ6METvHfDCK_f1-up0oiF4cZFrBhV218IqNOoNF2VnNs16a4OlNIR4TiNRF3kaVWw0k/s1200/jsy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="943" data-original-width="1200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZLpdh0i_YrZwrG4scOQu5zd-S42Pn1KEfVMQnjJ3p8eA60PPJ29Pyjntcy044rWun0xYUsmUGZ6METvHfDCK_f1-up0oiF4cZFrBhV218IqNOoNF2VnNs16a4OlNIR4TiNRF3kaVWw0k/s640/jsy.jpg" width="640" /></a></div>

JSY is a centrally sponsored scheme, which integrates cash
assistance with delivery and post-delivery care. The Yojana has identified
Accredited Social Health Activist (ASHA) as an effective link between the
government and pregnant women.<o:p></o:p>

The scheme focuses on poor pregnant woman with a special
dispensation for states that have low institutional delivery rates, namely, the
states of Uttar Pradesh, Uttarakhand, Bihar, Jharkhand, Madhya Pradesh,
Chhattisgarh, Assam, Rajasthan, Orissa, and Jammu and Kashmir. While these
states have been named Low Performing States (LPS), the remaining states have
been named High Performing states (HPS).<o:p></o:p>

Janani Suraksha Yojana

Janani Suraksha Yojana (JSY) is a safe motherhood intervention under the National Health Mission. It is being implemented with the objecti...

Ladli Laxmi Yojana

Ladli Laxmi Yojana is a scheme introduced by Government of
Madhya Pradesh. It was inaugurated by Chief Minister Shivraj Singh Chouhan on
2nd May 2007, which was followed by expansion to six additional states
including Uttar Pradesh, Bihar, Delhi, Chhattisgarh, Jharkhand and Goa. It came
into effect from 7th April, 2007.<o:p></o:p>

<o:p> </o:p>

The scheme lays a lot of emphasis on providing a good
substructure for the economic and educational status of the families adopting
this and suppress female infanticide. Its underlying goal includes bringing
about a positive change in the mindset of conservative Indian families about
the birth and upbringing of the girl child.<o:p></o:p>

<o:p> </o:p>

Under this scheme, the state government would have to
purchase National Saving Certificates, worth ₹6,000 each year for five years
and these would be renewed from time to time. At the time of girl's admission
in the sixth standard, ₹2,000 and on admission in the ninth standard ₹4,000
would be paid to the girl. When she gets admitted to the 11th standard she
would receive ₹7,500. During her higher secondary education, she would get ₹200
every month. On completion of 21 years, she would receive the remaining amount,
which would be approximately ₹1 lakh.<o:p></o:p>

<o:p> </o:p>

The scheme focuses on providing benefits to the girl
children, mainly from non tax paying families or orphans, who were born on or
after the 1st of January, 2006.<o:p></o:p>

Ladli Laxmi Yojana

Ladli Laxmi Yojana is a scheme introduced by Government of Madhya Pradesh. It was inaugurated by Chief Minister Shivraj Singh Chouhan on 2nd...

Soil Health Card scheme

Soil Health Card scheme<o:p></o:p>

A Soil Health Card is used to assess the current status of
soil health and, when used over time, to determine changes in soil health that
are affected by land management. A Soil Health Card displays soil health
indicators and associated descriptive terms. The indicators are typically based
on farmers' practical experience and knowledge of local natural resources. The
card lists soil health indicators that can be assessed without the aid of
technical or laboratory equipment.<o:p></o:p>

<o:p> </o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgx1jOYU1ckSLjGP3i5j_WxguNysK4eKoPR1NhB_RyG5BizdxcxkcEOZpVFZqo3IbApOZp-4koNsN9gxUGnv42sgA75oig-JkktchWpiVQuU4kTcFie_h0-GGCLaeeU73qrWt2GkdiuNho/s960/shc.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="960" data-original-width="960" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgx1jOYU1ckSLjGP3i5j_WxguNysK4eKoPR1NhB_RyG5BizdxcxkcEOZpVFZqo3IbApOZp-4koNsN9gxUGnv42sgA75oig-JkktchWpiVQuU4kTcFie_h0-GGCLaeeU73qrWt2GkdiuNho/s640/shc.jpg" /></a></div>

Soil Health Card (SHC) is a Government of India's scheme
promoted by the Department of Agriculture & Co-operation under the Ministry
of Agriculture and Farmers' Welfare. It is being implemented through the
Department of Agriculture of all the State and Union Territory Governments.<o:p></o:p>

<o:p> </o:p>

Soil Health Card Scheme is a very beneficial scheme for
farmers. There are many farmers in India. And they do not know which types of
crops they should grow to get maximum yield. Basically, they do not know the
quality and the type of their soil. They might know by experience what crops
grow and what crops fail. But they don't know what they can do to improve the
condition of the soil.<o:p></o:p>

The government is planning to cover as many as all farmers
under the scheme.<o:p></o:p>

The scheme will cover all the parts of the country.<o:p></o:p>

In the form of soil card, the farmers will get a report. And
this report will contain all the details about the soil of their particular
farm.<o:p></o:p>

A farm will get the soil card once in every 3 years.<o:p></o:p>

Soil Health Card scheme

Soil Health Card scheme A Soil Health Card is used to assess the current status of soil health and, when used over time, to determine chan...

Swachh Bharat Mission Toilet

Swachh Bharat Mission Toilet<o:p></o:p>

With the goal of making India open-defecation free by 2019,
the NDA government launched the Swachh Bharat Abhiyan (SBA) programme in 2014.<o:p></o:p>

<o:p> </o:p>

Under the programme, people living below and above poverty
line can avail reimbursement for constructing toilets at household level. The
programme has given a huge impetus to nationwide toilet building exercise.<o:p></o:p>

<o:p> </o:p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_UMCEJL_n0WEH3rkouS1pItXt1dsauFrkKEh091oVewj3QNvQUPaL2IyUVWe1YUHT_iB4rbIWBxLd23h_nlXB13b7YwaN5y7KY1sU0oh5vhk5UcOJi6I_7Nx2JAroXuHsQkUdYWp6b3c/s768/India-Toilet-for-Women-by-NYT.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="512" data-original-width="768" height="429" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_UMCEJL_n0WEH3rkouS1pItXt1dsauFrkKEh091oVewj3QNvQUPaL2IyUVWe1YUHT_iB4rbIWBxLd23h_nlXB13b7YwaN5y7KY1sU0oh5vhk5UcOJi6I_7Nx2JAroXuHsQkUdYWp6b3c/w641-h429/India-Toilet-for-Women-by-NYT.jpg" width="641" /></a>

The SBA, currently, operates under a reimbursement model,
where the households are expected to build the toilets from their own funds and
then, upon producing the required documents, they are reimbursed Rs 12,000- Rs
15,000.<o:p></o:p>

<o:p> </o:p>

Despite the SBA subsidies easing the process of household
toilet construction, BPL households are faced with significant barriers. <o:p></o:p>

Under the mission, all villages, Gram Panchayats, Districts,
States and Union Territories in India declared themselves "open-defecation
free" (ODF) by 2 October 2019, the 150th birth anniversary of Mahatma
Gandhi, by constructing over 100 million toilets in rural India.<o:p></o:p> <div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz8MHp_j5voQF2Behsn_96ClIEthhV1Mv-zaay4aXo5Gu81m2cRb9Va_AF2sV4OX0ckqkqhr91eKt7kvMw6JCx6jAZXWlo6THwNp_-KwiQffMUvFhNB2aCN9piJd_IWd3bVkTE0Rky_60/s512/sbm+toilet.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="320" data-original-width="512" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz8MHp_j5voQF2Behsn_96ClIEthhV1Mv-zaay4aXo5Gu81m2cRb9Va_AF2sV4OX0ckqkqhr91eKt7kvMw6JCx6jAZXWlo6THwNp_-KwiQffMUvFhNB2aCN9piJd_IWd3bVkTE0Rky_60/w640-h400/sbm+toilet.gif" width="640" /></a></div>

Swachh Bharat Mission Toilet

Swachh Bharat Mission Toilet With the goal of making India open-defecation free by 2019, the NDA government launched the Swachh Bharat Ab...

Jan Aushadi Yojana

Jan Aushadi Yojana<o:p></o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3AjhtFHKgS09TJu5IU2Nt7w4YhVHUdf_yOl8JsLNGLIMQ7EJeUyiz1cg0dTNNvA7iIwkUgjv9yW8W1suS0v3yrDd3MdWsYbIE-9B5RElSib4M0S4UPatTbis61NPkF961iIdN_MAf1X8/s800/janaushadhi.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="448" data-original-width="800" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3AjhtFHKgS09TJu5IU2Nt7w4YhVHUdf_yOl8JsLNGLIMQ7EJeUyiz1cg0dTNNvA7iIwkUgjv9yW8W1suS0v3yrDd3MdWsYbIE-9B5RElSib4M0S4UPatTbis61NPkF961iIdN_MAf1X8/s640/janaushadhi.jpg" width="640" /></a></div>

INTRODUCTION<o:p></o:p>

With a view to achieve the objective of making available
quality generic medicines at affordable prices to all, „Jan Aushadhi Scheme‟
was launched by the Department of Pharmaceuticals, Ministry of Chemicals &
Fertilizers, and Government of India in November, 2008 across the country. The
Scheme is being implemented through the Bureau of Pharma PSUs of India (BPPI),
under the administrative control of the Department of Pharmaceuticals, Ministry
of Chemicals & Fertilizers, and Government of India.<o:p></o:p>

In September 2015, the „Jan Aushadhi Scheme‟ was revamped as
„Pradhan Mantri Jan Aushadhi Yojana‟ (PMJAY). In November, 2016, to give
further impetus to the scheme, it was again renamed as “Pradhan Mantri Bhartiya
Janaushadhi Pariyojana” (PMBJP).Accordingly, 'ensuring availability of quality
medicines at affordable prices to all', has been a key objective of the
Government.<o:p></o:p>

The Salient features of the Jan Aushadhi Scheme are:<o:p></o:p>

i. Making quality medicines available at affordable prices
for all, particularly for the the poor and disadvantaged, through specialized
outlets called the Jan Aushadhi Stores (JAS).<o:p></o:p>

ii. Provision of built up space for JAS in district
hospitals by the State Governments<o:p></o:p>

iii. Operation of JAS by the State Government nominated
Operating Agencies like NGOs, Charitable Organizations and public societies
like the Red Cross Society and Rogi Kalyan Samitis, constituted for the purpose<o:p></o:p>

iv. Meeting the operational expenditure from the trade
margins admissible for the medicines.<o:p></o:p>

v. Supply of the generic medicines in the first instance by
the Central Pharma PSUs so as to ensure both quality and timely supply.
However, wherever required, medicines could be sourced from quality small and
medium-sized enterprises (SMEs) units.<o:p></o:p>

vi. To ensure prescription of generic medicines by the
Government doctors with proactive support from the State Governments. The Key
objectives of Jan Aushadhi Scheme are:<o:p></o:p>

i. To make quality the hallmark of medicines by ensuring
supplies from the Central Public Sector Undertaking (CPSUs) and also through
other Public Sector Undertaking (PSUs) and Good manufacturing practices (GMP) compliant
manufacturers in the private sector.<o:p></o:p>

ii. Extend coverage of quality generic medicines, which
would reduce and thereby redefine the unit cost of treatment per person.<o:p></o:p>

iii. Provide access to any prescription drug or Over the
Counter (OTC) drug in all therapeutic categories as generic equivalents, which
is not to be restricted to the beneficiaries of Public Health System alone but
also to serve others.<o:p></o:p>

iv. Create awareness through education and publicity that
quality is not synonymous with high price<o:p></o:p>

v. Create a demand for generic medicines “By All for All” by
improving access to better healthcare through low treatment costs.<o:p></o:p>

vi. Involve State governments, Central Government, Public
Sector Enterprises, and Private Sector, NGOs, Cooperative bodies and other
institutions since it is a public welfare programme.<o:p></o:p>

vii. Develop a model which can be replicated in other
countries of the world, in pursuit of their common goal of achieving affordable
quality health care.<o:p></o:p>

<o:p> </o:p>

Benefits of the Jan Aushadhi Scheme Campaign<o:p></o:p>

The Jan Aushadhi initiative makes available quality drugs at
affordable prices through dedicated stores selling generic medicines which are
available at lesser prices but are equivalent in quality and efficacy as
expensive branded drugs. Some comparative advantages are:<o:p></o:p>

i. Promote greater awareness about cost-effective drugs and
their prescription.<o:p></o:p>

ii. Make available unbranded quality generic medicines at affordable
prices through public-private partnership.<o:p></o:p>

iii. Encourage doctors, more specifically in government
hospitals, to prescribe generic medicines.<o:p></o:p>

iv. Enable substantial savings in health care, more
particularly in the case of poor patients, and those suffering from chronic
ailments, requiring long periods of drug use.<o:p></o:p>

GOVERNMENT ACTION AND ACHIEVEMENT OF THE SCHEME<o:p></o:p>

At present 1253 Jan Aushadhi Stores/ Kendras have been
opened across the country which are covering 29 States/UTs and 419 Districts
till 30th April, 2017 (provided in Annexure I & II).<o:p></o:p>

For opening PMBJP2 Kendras in Government Hospitals / Medical
College premises, one-time financial assistance up to Rs. 2.50 lakh is provided
as per the details given below:<o:p></o:p>

(i) Rs. 1 lakh reimbursement of furniture and fixtures.<o:p></o:p>

(ii) Rs. 1 lakh by way of free medicines in the beginning.<o:p></o:p>

(iii) Rs. 0.50 lakh as reimbursement for computer, internet,
printer, scanner,<o:p></o:p>

Jan Aushadi Yojana

Jan Aushadi Yojana INTRODUCTION With a view to achieve the objective of making available quality generic medicines at affordable price...

Krishi Sinchayee Yojana

Har Khet ko Pani “Prime Minister Krishi Sinchayee Yojana”<o:p></o:p>

<o:p> </o:p>

Government of India is committed to accord high priority to
water conservation and its management. To this effect Pradhan Mantri Krishi
Sinchayee Yojana (PMKSY) has been formulated with the vision of extending the
coverage of irrigation ‘Har Khet ko pani’ and improving water use efficiency
‘More crop per drop' in a focused manner with end to end solution on source
creation, distribution, management, field application and extension activities.
The Cabinet Committee on Economic Affairs chaired by Hon’ble Prime Minister has
accorded approval of Pradhan Mantri Krishi Sinchayee Yojana (PMKSY) in its
meeting held on 1st July, 2015.<o:p></o:p>

<o:p> </o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjw1GlINVBqQDaI7oU8oNYAhDOu7KY4eHimn4vnMa8Ph4PNr-VwPURp5n-L8Qg8A1sU1v4hehYUYa48Qwjui1Xg1uchniFEsqG8UQ3DnrFWBYLei6fmgK2h0xavBuVPSCc20ZVQmx4P_9I/s1200/pmksy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1200" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjw1GlINVBqQDaI7oU8oNYAhDOu7KY4eHimn4vnMa8Ph4PNr-VwPURp5n-L8Qg8A1sU1v4hehYUYa48Qwjui1Xg1uchniFEsqG8UQ3DnrFWBYLei6fmgK2h0xavBuVPSCc20ZVQmx4P_9I/s640/pmksy.jpg" /></a></div>

PMKSY has been formulated amalgamating ongoing schemes viz.
Accelerated Irrigation Benefit Programme (AIBP) of the Ministry of Water
Resources, River Development & Ganga Rejuvenation (MoWR,RD&GR),
Integrated Watershed Management Programme (IWMP) of Department of Land
Resources (DoLR) and the On Farm Water Management (OFWM) of Department of
Agriculture and Cooperation (DAC). PMKSY has been approved for implementation
across the country with an outlay of Rs. 50,000 crore in The major objective of
PMKSY is to achieve convergence of investments in irrigation at the field
level, expand cultivable area under assured irrigation, improve on-farm water
use efficiency to reduce wastage of water, enhance the adoption of
precision-irrigation and other water saving technologies (More crop per drop),
enhance recharge of aquifers and introduce sustainable water conservation
practices by exploring the feasibility of reusing treated municipal waste water
for peri-urban agriculture and attract greater private investment in precision
irrigation system.<o:p></o:p>

<o:p> </o:p>

PMKSY has been conceived amalgamating ongoing schemes viz.
Accelerated Irrigation Benefit Programme (AIBP) of the Ministry of Water
Resources, River Development & Ganga Rejuvenation (MoWR,RD&GR),
Integrated Watershed Management Programme (IWMP) of Department of Land
Resources (DoLR) and the On Farm Water Management (OFWM) of Department of
Agriculture and Cooperation (DAC). The scheme will be implemented by Ministries
of Agriculture, Water Resources and Rural Development. Ministry of Rural
Development is to mainly undertake rain water conservation, construction of
farm pond, water harvesting structures, small check dams and contour bunding
etc. MoWR, RD &GR, is to undertake various measures for creation of assured
irrigation source, construction of diversion canals, field channels, water
diversion/lift irrigation, including development of water distribution systems.
Ministry of Agriculture will promote efficient water conveyance and precision
water application devices like drips, sprinklers, pivots, rain-guns in the farm
“(Jal Sinchan)”, construction of micro-irrigation structures to supplement
source creation activities, extension activities for promotion of scientific
moisture conservation and agronomic measures<o:p></o:p>

<o:p> </o:p>

Programme architecture of PMKSY will be to adopt a
‘decentralized State level planning and projectised execution’ structure that
will allow States to draw up their own irrigation development plans based on
District Irrigation Plan (DIP) and State Irrigation Plan (SIP). It will be
operative as convergence platform for all water sector activities including
drinking water & sanitation, MGNREGA, application of science &
technology etc. through comprehensive plan. State Level Sanctioning Committee
(SLSC) chaired by the Chief Secretary of the State will be vested with the
authority to oversee its implementation and sanction projects.<o:p></o:p>

<o:p> </o:p>

The programme will be supervised and monitored by an
Inter-Ministerial National Steering Committee (NSC) will be constituted under
the Chairmanship of Prime Minister with Union Ministers from concerned
Ministries. A National Executive Committee (NEC) will be constituted under the
Chairmanship of Vice Chairman, NITI Aayog to oversee programme implementation,
allocation of resources, inter ministerial coordination, monitoring &
performance assessment, addressing administrative issues etc. five years. For
2015-16, an outlay of Rs.5300 crore has been<o:p></o:p>

The major objective of PMKSY is to achieve convergence of
investments in irrigation at the field level, expand cultivable area under
assured irrigation, improve on-farm water use efficiency to reduce wastage of
water, enhance the adoption of precision-irrigation and other water saving
technologies (More crop per drop), enhance recharge of aquifers and introduce
sustainable water conservation practices by exploring the feasibility of
reusing treated municipal waste water for peri-urban agriculture and attract
greater private investment in precision irrigation system.<o:p></o:p>

<o:p> </o:p>

The primary objectives of PMKSY are to attract investments
in irrigation system at field level, develop and expand cultivable land in the
country, enhance ranch water use in order to minimize wastage of water, enhance
crop per drop by implementing water-saving technologies and precision
irrigation. The plan additionally calls for bringing ministries, offices,
organizations, research and financial institutions occupied with creation and
recycling of water under one platform so that an exhaustive and holistic
outlook of the whole water cycle is considered. The goal is to open the doors
for optimal water budgeting in all sectors. Tagline for PMKSY is "more
crop per drop".<o:p></o:p>

<o:p> </o:p>

The Integrated Watershed Management programme was subsumed
into the current PMKSY on 26 October 2015. The core implementation activities
of IWMP were unchanged and were as per the Common Guidelines 2008 (Revised
2011) of IWMP. Convergence with other Central and State Government schemes,
remains the top of the agenda for the programme towards optimal and judicious
utilization of financial resources. Action has also been taken to undertake
Natural Resources Management activities by utilizing labour component of
MGNREGS and to undertake some of the Entry Point Activities in convergence with
Swachh Bharat Mission (Gramin).<o:p></o:p>

Krishi Sinchayee Yojana

Har Khet ko Pani “Prime Minister Krishi Sinchayee Yojana” Government of India is committed to accord high priority to water conservati...

Kaushal Vikas Yojana (PMKVY)

Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is the flagship
scheme of the Ministry of Skill Development & Entrepreneurship (MSDE)
implemented by National Skill Development Corporation. The objective of this
Skill Certification Scheme is to enable a large number of Indian youth to take
up industry-relevant skill training that will help them in securing a better
livelihood. Individuals with prior learning experience or skills will also be
assessed and certified under Recognition of Prior Learning (RPL).<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDfeXoes_8XXoXSrUz9j9rOPlpq9RShxiQ_OY3PcyofF8-Fqdw4tZy6jqQ-Cdc_CQ4oLkU4NBxkJY8WyXPt3gp3xQ3Yrhv0jmTkdcvaAu7IF4WHIQrnw2_bwW9g5JzyvUpdJEcNUzT6RQ/s292/pmkvy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="173" data-original-width="292" height="338" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDfeXoes_8XXoXSrUz9j9rOPlpq9RShxiQ_OY3PcyofF8-Fqdw4tZy6jqQ-Cdc_CQ4oLkU4NBxkJY8WyXPt3gp3xQ3Yrhv0jmTkdcvaAu7IF4WHIQrnw2_bwW9g5JzyvUpdJEcNUzT6RQ/w570-h338/pmkvy.jpg" width="570" /></a></div><o:p></o:p>

Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is a skill
development initiative scheme of the Government of India for recognition and
standardisation of skills.<o:p></o:p>

The aim of the pmkvy scheme is to encourage aptitude towards
employable skills and to increase working efficiency of probable and existing
daily wage earners, by giving monetary awards and rewards and by providing
quality training to them. Average award amount per person has been kept as ₹8,000.
Those wage earners already possessing a standard level of skill will be given
recognition as per scheme and average award amount for them is ₹2000 to ₹2500.
In the initial year, a target to distribute ₹15 billion has been laid down for
the scheme. Training programmes have been worked out on the basis of National
Occupational Standards (NOS) and qualification packs specifically developed in
various sectors of skills. For this qualification plans and quality plans have
been developed by various Sector Skill Councils (SSC) created with
participation of Industries. National Skill Development Council (NSDC) has been
made coordinating and driving agency for the same.<o:p></o:p>

<o:p> </o:p>

An outlay of ₹120 billion  has been approved by the cabinet for this
project. The scheme has a target to train 1 crore Indian youth from 2016-20. As
of 18 July 2016, 17.93 lakh candidates were trained out of 18 lakh who enrolled
for the scheme.<o:p></o:p>

Kaushal Vikas Yojana (PMKVY)

Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is the flagship scheme of the Ministry of Skill Development & Entrepreneurship (MSDE) imple...

FASAL BIMA YOJANA (PMFBY)

PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZ_0spEVIsHKamc-AOrbaTznEaeDlNDIqhuVUc3bm2Po6doJByo0KyKuE_3PgvwtDt_u3Pjwv4eYC29Naowg1MUTFEQ18D9iW9kS50msORucWX-Xzmh1xSE5TqGb7Q2XRbBa-u4v5-B7E/s2048/Crop-Insurance-Online.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1024" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZ_0spEVIsHKamc-AOrbaTznEaeDlNDIqhuVUc3bm2Po6doJByo0KyKuE_3PgvwtDt_u3Pjwv4eYC29Naowg1MUTFEQ18D9iW9kS50msORucWX-Xzmh1xSE5TqGb7Q2XRbBa-u4v5-B7E/s640/Crop-Insurance-Online.jpg" width="640" /></a></div><o:p></o:p>

OBJECTIVES:<o:p></o:p>

- To provide insurance coverage and financial support to the
farmers in the event of failure of any of the notified crop as a result of
natural calamities, pests & diseases.<o:p></o:p>

- To stabilise the income of farmers to ensure their
continuance in farming.<o:p></o:p>

- To encourage farmers to adopt innovative and modern
agricultural practices.<o:p></o:p>

- To ensure flow of credit to the agriculture sector.<o:p></o:p>

IMPLEMENTING AGENCY
(IA):<o:p></o:p>

The Scheme shall be implemented through a multi-agency
framework by selected insurance companies under the overall guidance &
control of the Department of Agriculture, Cooperation & Farmers Welfare
(DAC&FW), Ministry of Agriculture & Farmers Welfare (MoA&FW),
Government of India (GOI) and the concerned State in co-ordination with various
other agencies; viz Financial Institutions like Commercial Banks, Co-operative
Banks, Regional Rural Banks and their regulatory bodies, Government Departments
viz. Agriculture, Co-operation, Horticulture,Statistics, Revenue,
Information/Science & Technology, Panchayati Raj etc. <o:p></o:p>Highlights of the scheme<o:p></o:p>There will be a uniform premium of only 2% to be paid by
farmers for all Kharif crops and 1.5% for all Rabi crops. In case of annual
commercial and horticultural crops, the premium to be paid by farmers will be
only 5%. The premium rates to be paid by farmers are very low and balance
premium will be paid by the Government to provide full insured amount to the
farmers against crop loss on account of natural calamities.<o:p></o:p>There is no upper limit on Government subsidy. Even if
balance premium is 90%, it will be borne by the Government.<o:p></o:p>Earlier, there was a provision of capping the premium rate
which resulted in low claims being paid to farmers. This capping was done to
limit Government outgo on the premium subsidy. This capping has now been
removed and farmers will get claim against full sum insured without any
reduction.<o:p></o:p>The use of technology will be encouraged to a great extent.
Smart phones will be used to capture and upload data of crop cutting to reduce
the delays in claim payment to farmers. Remote sensing will be used to reduce
the number of crop cutting experiments.<o:p></o:p>

PMFBY is a replacement scheme of  NAIS / MNAIS, there will be exemption from Service
Tax liability of all the services involved in the implementation of the scheme.
It is estimated that the new scheme will ensure about 75-80 per cent of subsidy
for the farmers in insurance premium.<o:p></o:p>Apply-<a href="https://pmfby.gov.in/">https://pmfby.gov.in/</a>

<o:p></o:p>

FASAL BIMA YOJANA (PMFBY)

PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY) OBJECTIVES: - To provide insurance coverage and financial support to the farmers in the event ...

Atal Pension Yojana

Atal Pension Yojana-Govt's Pension scheme <o:p></o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgh_FfSZ36i74AY9ewJiVDQX0wsidZFqKTnezNBux2-YWqLM__K5kUjMnV2qzWh4pfpDbaxbrQ0kl7FkE7VCY6633lEHyu4DBtNO4pDHBPj4glj_EytuanrmCZVGfPLXmJ7K2NXSOHbKGQ/s1080/apy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="565" data-original-width="1080" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgh_FfSZ36i74AY9ewJiVDQX0wsidZFqKTnezNBux2-YWqLM__K5kUjMnV2qzWh4pfpDbaxbrQ0kl7FkE7VCY6633lEHyu4DBtNO4pDHBPj4glj_EytuanrmCZVGfPLXmJ7K2NXSOHbKGQ/s640/apy.jpg" width="640" /></a></div>The Government of India is extremely concerned about the old
age income security of the working poor and is focused on encouraging and
enabling them to join the National Pension System (NPS). To address the
longevity risks among the workers in unorganised sector and to encourage the
workers in unorganised sector to voluntarily save for their retirement, who
constitute 88% of the total labour force of 47.29 crore as per the 66th Round
of NSSO Survey of 2011-12, but do not have any formal pension provision, the
Government had started the Swavalamban Scheme in 2010-11. However, coverage
under Swavalamban Scheme is inadequate mainly due to lack of guaranteed pension
benefits at the age of 60.<o:p></o:p>

GoI will also co-contribute 50% of the subscriber’s contribution
or Rs. 1000 per annum, whichever is lower. Government co-contribution is
available for those who are not covered by any Statutory Social Security Schemes
and is not income tax payer.<o:p></o:p>

• GoI will co-contribute to each eligible subscriber, for a
period of 5 years who joins the scheme between the period 1st June, 2015 to
31st December, 2015. The benefit of five years of government Co-contribution under
APY would not exceed 5 years for all subscribers including migrated Swavalamban
beneficiaries.<o:p></o:p>

• All bank account holders may join APY.<o:p></o:p>

Eligibility<o:p></o:p>

• APY is applicable to all citizen of India aged between 18-40
years.<o:p></o:p>

• Aadhaar will be the primary KYC. Aadhar and mobile number
are recommended to be obtained from<o:p></o:p>

subscribers for the ease of operation of the scheme. If not
available at the time of registration, Aadhar details may also be submitted
later stage.<o:p></o:p>

APY aims to help unorganised sector workers save money for
their old age while they are working and guarantees returns post retirement.
Atal Pension Yojana is a periodic contribution based pension plan and promises
a fixed pension of Rs 1000/ Rs 2000/ Rs 3000/ Rs 4000 or Rs 5000.<o:p></o:p>

The Atal Pension Yojana can be availed by all Indian
citizens aged between 18 to 40 years. To have an APY account a person must have
a saving account either with a bank or with post office of India. Any APY
subscriber, who is 18-year-old, needs to contribute Rs 42 to Rs 210 per month.<o:p></o:p>

Atal Pension Yojana

Atal Pension Yojana-Govt's Pension scheme The Government of India is extremely concerned about the old age income security of the work...

Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana:An accident insurance scheme, PMSBY offers a one-year
accidental death and disability cover, which can be renewed annually.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-CQeh1GanshVzCZ-9J21Gt8pxoPytWRog7w38nRsPqkUy0fHwWnEUh7yNwW-NAFrGL9hNyg0y7eEhAnzNpA232tvUpsLIGvIddVFG6w6tIj0BRsBCvQwN6xBCOwKe0ue3wbu6cyPBmqI/s1554/financial-services-insure.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1183" data-original-width="1554" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-CQeh1GanshVzCZ-9J21Gt8pxoPytWRog7w38nRsPqkUy0fHwWnEUh7yNwW-NAFrGL9hNyg0y7eEhAnzNpA232tvUpsLIGvIddVFG6w6tIj0BRsBCvQwN6xBCOwKe0ue3wbu6cyPBmqI/s640/financial-services-insure.png" width="640" /></a></div><o:p></o:p>

The cover is for a one-year period, starting June 1 to May
31 of subsequent year. The option to join/pay by auto debit has to be given by
May 31 of every year. Subscribers who wish to continue beyond the first year
have to give their consent for auto debit before May 31 for successive years.<o:p></o:p>

Under PMSBY, the risk coverage available is Rs 2 lakh for
accidental death and permanent total disability, and Rs 1 lakh for permanent
partial disability. Permanent total disability is defined as total and
irrecoverable loss of both eyes or loss of use of both hands or feet or loss of
an eyesight and loss of use of a hand or a foot. Permanent partial disability
is defined as total and irrecoverable loss of an eyesight or loss of use of a
hand or foot.<o:p></o:p>

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is an
accident insurance scheme launched by the Government of India. It is also known
as the PM Rs. 12 Insurance Scheme. The social security scheme is directed
towards people belonging to the lower-income category. This is because unlike
several other health insurance policies offered by commercial companies, this
scheme does not charge a higher premium.

The policy offers an insurance cover against death, total
disability, and partial disability. The insurance premium of Rs 12 for the
policy shall be deducted from the registered bank account of the policyholder.
People in the age group of 18 to 70 can avail the benefits of PMSBY by
providing their Aadhaar card as a Know Your Customer (KYC) document.<o:p></o:p>

<o:p> </o:p>

Features and Benefits of Pradhan Mantri Suraksha Bima
Yojana:<o:p></o:p>

The PMSBY gives people from the lower-income group a chance
to insure themselves against unfortunate events that can lead to death or
disability. Here are the features and benefits of the government scheme.<o:p></o:p>

<o:p> </o:p>

Features of PMSBY         <o:p></o:p>

Benefits of PMSBY<o:p></o:p>

A low-priced policy can be purchased for Rs. 12.                <o:p></o:p>

Accident insurance cover without spending a lot as compared
to other policies.<o:p></o:p>

Money is given to the nominee in case of death.              <o:p></o:p>

The welfare of the family in case of death, as the claim
amount can be availed by the nominee.<o:p></o:p>

Auto-debit of premium from the bank account. <o:p></o:p>

No regular payment formality worries due to auto-debit
facility.<o:p></o:p>

Option to choose a long-term policy or yearly renewability.         <o:p></o:p>

Easy processing of continuous cover.<o:p></o:p>

Easy exit and re-entry measures.             <o:p></o:p>

Flexibility to continue or discontinue as per one’s wish.<o:p></o:p>

It can help save tax. 
      <o:p></o:p>

Deduction as per Section 80C and Sum Insured of Rs. 1 lakh
is non-taxable as per Section 10(10D) of the Income Tax Act.<o:p></o:p>

Coverage of Pradhan Mantri Suraksha Bima Yojana:<o:p></o:p>

Here’s a table highlighting the cover offered by the PMSBY.<o:p></o:p>

<o:p> </o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMMhIp8cmoyxJ2i8jVspuppBYCn1-3sjmz_8UBMSJWkeXxe7reS0izT9CtTIuqkSLhQ4QCjSVCICMONjqafaRXM3AYioReaYTcn4GkQqF2kBmowHWhaZ-cuW6JY3iVZ0l5GSg7uberlvI/s600/pmsby.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="600" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMMhIp8cmoyxJ2i8jVspuppBYCn1-3sjmz_8UBMSJWkeXxe7reS0izT9CtTIuqkSLhQ4QCjSVCICMONjqafaRXM3AYioReaYTcn4GkQqF2kBmowHWhaZ-cuW6JY3iVZ0l5GSg7uberlvI/s0/pmsby.jpg" /></a></div>

Event    Claim Amount
(Rs.)<o:p></o:p>

An accident leading to policyholder’s death         2 lakhs (given to nominee)<o:p></o:p>

Permanent total disability            2
lakhs<o:p></o:p>

Permanent partial disability         1
lakh<o:p></o:p>

Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana: An accident insurance scheme, PMSBY offers a one-year accidental death and disability cover, which can...

Jeevan Jyoti Bima Yojana(PMJJBY)

Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY)<o:p></o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEdGAsHPoR5Zl0rJP-15HqVE_1nulprdcUaaGvNMdzksGE0leqc1vlEpu-ODn4o_bpCwdS78KTr9SYTEDaBDFCi6RbrHs2XUkmYj7N4XSVHib7_GdWdwbsQ2z6xYiywQslGRIza6SN7nI/s630/pradhan-mantri.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="360" data-original-width="630" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEdGAsHPoR5Zl0rJP-15HqVE_1nulprdcUaaGvNMdzksGE0leqc1vlEpu-ODn4o_bpCwdS78KTr9SYTEDaBDFCi6RbrHs2XUkmYj7N4XSVHib7_GdWdwbsQ2z6xYiywQslGRIza6SN7nI/s0/pradhan-mantri.jpg" /></a></div>

The PMJJBY is available to people in the age group of 18 to
50 years having a bank account who give their consent to join / enable
auto-debit. Aadhar would be the primary KYC for the bank account. The life
cover of Rs. 2 lakhs shall be for the one year period stretching from 1st June
to 31st May and will be renewable. Risk coverage under this scheme is for Rs. 2
Lakh in case of death of the insured, due to any reason. The premium is Rs. 330
per annum which is to be auto-debited in one installment from the subscriber’s
bank account as per the option given by him on or before 31st May of each
annual coverage period under the scheme. The scheme is being offered by Life
Insurance Corporation and all other life insurers who are willing to offer the
product on similar terms with necessary approvals and tie up with banks for
this purpose.<o:p></o:p>

Jeevan Jyoti Bima Yojana(PMJJBY)

Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY) The PMJJBY is available to people in the age group of 18 to 50 years having a bank accoun...

Pradhan Mantri MUDRA Yojana (PMMY)

<h2 style="text-align: left;">Pradhan Mantri MUDRA Yojana (PMMY)</h2><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCCQy9BLgjLOrKa_bG5C1FAgfNbSl3PE2c5bEPSJ43gVfELRilJzPQT1W8YfE4O_uHQ2rlzQX5ExGXuOLeGxeTVtnEzNIHRH1jkfkug4IB9iskn04u41j_Z5tkbXQEgGA17OHlngAVq_k/s793/mudra-loan-shishu-kishor-tarun.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="529" data-original-width="793" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCCQy9BLgjLOrKa_bG5C1FAgfNbSl3PE2c5bEPSJ43gVfELRilJzPQT1W8YfE4O_uHQ2rlzQX5ExGXuOLeGxeTVtnEzNIHRH1jkfkug4IB9iskn04u41j_Z5tkbXQEgGA17OHlngAVq_k/s640/mudra-loan-shishu-kishor-tarun.jpg" width="640" /></a></div> <div> </div><o:p></o:p>

Pradhan Mantri MUDRA Yojana (PMMY) is a scheme launched by
the Hon’ble Prime Minister on April 8, 2015 for providing loans up to 10 lakh
to the non-corporate, non-farm small/micro enterprises. These loans are
classified as MUDRA loans under PMMY. These loans are given by Commercial
Banks, RRBs, Small Finance Banks, MFIs and NBFCs. The borrower can approach any
of the lending institutions mentioned above or can apply online through this
portal www.udyamimitra.in . Under the aegis of PMMY, MUDRA has created three
products namely 'Shishu', 'Kishore' and 'Tarun' to signify the stage of growth
/ development and funding needs of the beneficiary micro unit / entrepreneur
and also provide a reference point for the next phase of graduation / growth.

Under the aegis of Pradhan Mantri Mudra Yojana (PMMY), MUDRA
has created products/ schemes. The interventions have been named 'Shishu',
'Kishore' and 'Tarun' to signify the stage of growth / development and funding
needs of the beneficiary micro unit / entrepreneur and also provide a reference
point for the next phase of graduation / growth to look forward to :

<h2 style="text-align: left;">Shishu : covering loans upto 
50,000/- Kishor : covering loans above  50,000/- and upto 5 lakh Tarun : covering loans above 
5 lakh and upto 10 lakh</h2><o:p></o:p>

<o:p></o:p>

With an objective to promote entrepreneurship among the new
generation aspiring youth, it is ensured that more focus is given to Shishu
Category Units and then Kishore and Tarun categories.<o:p></o:p>

<o:p> </o:p>

Within the framework and overall objective of development
and growth of micro enterprises sector under Shishu, Kishore and Tarun, the
products being offered by MUDRA are so designed, to meet requirements of
different sectors / business activities as well as business/ entrepreneur
segments.<o:p></o:p>

<o:p> </o:p>

The funding support from MUDRA are of two types:<o:p></o:p>

<o:p> </o:p>

Micro Credit Scheme (MCS) for loans up to 1 lakh finance
through MFIs.<o:p></o:p>

Refinance Scheme for Commercial Banks / Regional Rural Banks
(RRBs) / Small Finance Banks / Non Banking Financial Companies (NBFCs).<o:p></o:p>

Micro Credit Scheme:<o:p></o:p>

Micro Credit Scheme is offered mainly through Micro Finance
Institutions (MFIs), who deliver the credit up to  1 lakh, for various micro enterprise / small
business activities. Although the model of delivery may be through SHGs/JLGs/
Individuals, the loans are given by the MFIs to individual entrepreneurs for
specific income generating micro enterprise/ small business activities.<o:p></o:p>

<o:p> </o:p>

Refinance Scheme for Banks/NBFCs<o:p></o:p>

Different banks like Commercial Banks, Regional Rural Banks,
Small Finance Banks and NBFCs are eligible to avail of refinance support from
MUDRA for financing micro enterprise activities. The refinance is available for
term loan and working capital loan up to an amount of  10 lakh per unit. The eligible banks/NBFC,
who comply to the requirements as notified, can avail of refinance from MUDRA
for the loans given by them for eligible MUDRA compliant activities under
Shishu, Kishore and Tarun categories. In order to encourage women
entrepreneurs, the financing banks / MFIs may consider extending additional
facilities, including interest reduction on their loan. At present, MUDRA
extends a reduction of 25bps in its interest rates to MFIs / NBFCs, who are
providing loans to women entrepreneurs.<o:p></o:p>

<o:p> </o:p>

Purpose of MUDRA loan<o:p></o:p>

Mudra loan is extended for a variety of purposes which
result in income generation and employment creation. The loans are extended
mainly for:<o:p></o:p>

<o:p> </o:p>

Business loan for Vendors, Traders, Shopkeepers and other
Service Sector activities<o:p></o:p>

Working capital loan through MUDRA Cards<o:p></o:p>

Equipment Finance for Micro Units<o:p></o:p>

Transport Vehicle loans – for commercial use only<o:p></o:p>

Loans for agri-allied non-farm income generating activities,
e.g. pisciculture. bee keeping, poultry farming, etc.<o:p></o:p>

Tractors, tillers as well as two wheelers used for
commercial purposes only.<o:p></o:p>

Following is an illustrative list of the activities that can
be covered under MUDRA loans:<o:p></o:p>

<o:p> </o:p>

1) Transport Vehicle<o:p></o:p>

Purchase of transport vehicles for transportation of goods
and passengers such as auto rickshaws, small goods transport vehicles, 3
wheelers, e-rickshaws, taxis, etc. Tractors/Tractor Trolleys/Power Tillers used
only for commercial purposes are also eligible for assistance under PMMY. Two
Wheelers used for commercial purposes are also eligible for coverage under
PMMY.<o:p></o:p>

<o:p> </o:p>

2) Community, Social & Personal Service Activities<o:p></o:p>

Salons, beauty parlours, gymnasium, boutiques, tailoring
shops, dry cleaning, cycle and motorcycle repair shops, DTP and Photocopying
Facilities, Medicine Shops, Courier Agents, etc.<o:p></o:p>

<o:p> </o:p>

3) Food Products Sector<o:p></o:p>

Activities such as papad making, achaar making, jam/jelly
making, agricultural produce preservation at rural level, sweet shops, small
service food stalls and day to day catering / canteen services, cold chain
vehicles, cold storages, ice making units, ice cream making units, biscuit,
bread and bun making, etc.<o:p></o:p>

<o:p> </o:p>

4) Textile Products Sector / Activity<o:p></o:p>

Handloom, powerloom, khadi activity, chikan work, zari and
zardozi work, traditional embroidery and hand work, traditional dyeing and
printing, apparel design, knitting, cotton ginning, computerized embroidery,
stitching and other textile non garment products such as bags, vehicle
accessories, furnishing accessories, etc.<o:p></o:p>

<o:p> </o:p>

5) Business loans for Traders and Shopkeepers<o:p></o:p>

Financial support for on lending to individuals for running
their shops / trading & business activities / service enterprises and
non-farm income generating activities with beneficiary loan size of up to  10 lakh per enterprise / borrower.<o:p></o:p>

<o:p> </o:p>

6) Equipment Finance Scheme for Micro Units<o:p></o:p>

Setting up micro enterprises by purchasing necessary
machinery / equipments with per beneficiary loan size of upto  10 lakh.<o:p></o:p>

<o:p> </o:p>

7) Activities allied to agriculture<o:p></o:p>

'Activities allied to agriculture', e.g. pisciculture, bee
keeping, poultry, livestock-rearing, grading, sorting, aggregation agro
industries, diary, fishery, agri-clinics and agribusiness centres, food &
agro-processing, etc.(excluding crop loans, land improvement such as canal,
irrigation and wells) and services supporting these, which promote livelihood or
are income generating shall be eligible for coverage under PMMY in 2016-17.<o:p></o:p>

<o:p> </o:p>

MUDRA Card<o:p></o:p>

MUDRA Card is a debit card issued against the MUDRA loan
account, for working capital portion of the loan. The borrower can make use of
MUDRA Card in multiple drawals and credits, so as to manage the working capital
limit in cost-efficient manner and keep the interest burden minimum. MUDRA Card
also helps in digitalization of MUDRA transactions and creating credit history
for the borrower. MUDRA Card can be operated across the country for withdrawal
of cash from any ATM / micro ATM and also make payment through any ‘Point of
Sale’ machines.<o:p></o:p>

Pradhan Mantri MUDRA Yojana (PMMY)

Pradhan Mantri MUDRA Yojana (PMMY) Pradhan Mantri MUDRA Yojana (PMMY) is a scheme launched by the Hon’ble Prime Minister on April 8, 2015 ...

Sukanya Samridhi Yojana

<h2 style="text-align: left;">  Sukanya Samriddhi Account Scheme</h2><o:p></o:p>

Introductory:<o:p></o:p>

<o:p> </o:p>Account can be opened in the name of a girl child till she
attains the age of 10 years.<o:p></o:p>

Only one account can be opened in the name of a girl child.<o:p></o:p>

Account can be opened in Post office and branches of authorised
banks.<o:p></o:p>

Birth certificate of girl child in whose name the account is
opened must be submitted.<o:p></o:p>

Account can be opened with a minimum of Rs. 250/- and
thereafter any amount in multiple of Rs. 100/- can be deposited. A minimum of
Rs. 250/- must be deposited in a Financial year.<o:p></o:p>

Maximum Rs. 1,50,000/- can be deposited in a financial year.<o:p></o:p>

Interest @ as may be notified by the government from time to
time will be calculated on yearly compounded basis and credited to the account.<o:p></o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtZbURDz4nboGVj4-4nm_kfRQ8HxYSkOlnEyMobMA0zdCKxg6H9qrER5txXdrOs2NBa3LSqNrOJwtYt4eFlrxsUhev675pZ1mjWCCUXqYwro1fWugPU8Rly3h6yddyXEDUesdp_BqfSr0/s743/Sukanya-Samriddhi-Yojana.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="489" data-original-width="743" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtZbURDz4nboGVj4-4nm_kfRQ8HxYSkOlnEyMobMA0zdCKxg6H9qrER5txXdrOs2NBa3LSqNrOJwtYt4eFlrxsUhev675pZ1mjWCCUXqYwro1fWugPU8Rly3h6yddyXEDUesdp_BqfSr0/s640/Sukanya-Samriddhi-Yojana.png" width="640" /></a></div>

One withdrawal shall be allowed on attaining the age of 18
years of account holder to meet education expenses upto 50 % of the balance at
the credit of preceding financial year.<o:p></o:p>

The account can be transferred anywhere in India from one
post office/bank to another.<o:p></o:p>

The account shall mature on completion of 21 years from the
date of opening of account or on the marriage of Account holder whichever is
earlier.<o:p></o:p>

Sukanya Samridhi Yojana

Sukanya Samriddhi Account Scheme Introductory: Account can be opened in the name of a girl child till she attains the age of 10 year...

PRADHAN MANTRI AWAAS YOJANA-GRAMIN

PRADHAN MANTRI AWAAS YOJANA-GRAMIN<o:p></o:p>

ABOUT US<o:p></o:p>

1.Public housing programme in the country started with the
rehabilitation of refugees immediately after independence and since then, it
has been a major focus area of the Government as an instrument of poverty
alleviation. Rural housing programme,as an independent programme , started with
Indira Awaas Yojana (IAY) in January 1996. Although IAY addressed the housing
needs in the rural areas, certain gaps were identified during the concurrent
evaluations and the performance Audit by Comptroller and Auditor General (CAG)
of India in 2014. These gaps, i.e. nonassessment of housing The shortage, lack
of transparency in selection of beneficiaries, low the quality of the house and
lack of technical supervision, lack convergence, loans not availed by
beneficiaries and weak the mechanism for monitoring was limiting the impact and
outcomes of the programme.<o:p></o:p>

<o:p> </o:p>

2.To address these gaps in the rural housing program and in
view of Government’s commitment to providing “Housing for All’’ by the scheme
2022, the of has IAY has been re-structured into Pradhan Mantri Awaas Yojana
–Gramin (PMAY-G) w.e.f. 1st April 2016.<o:p></o:p>

<o:p> </o:p>

3.PMAY-G aims at providing a pucca house, with basic
amenities, to all houseless householder and those households living in kutcha
and dilapidated house, by 2022. The immediate the objective is to cover 1.00
crore household living in kutcha house/dilapidated house in three years from
2016-17 to 2018- 19.The minimum size of the house has been increased to 25
sq.mt (from20sq.mt) with a hygienic cooking space. The unit assistance has been
increased from Rs. 70,000 to Rs. 1.20 lakh in plain and from Rs75,000 to Rs
1.30 lakh in hilly states, difficult areas and IAP district. The beneficiary is
entitled to 90.95 person day of unskilled labour from MGNREGS. The assistance
for construction of toilet shall be leveraged though convergence with SBM-G,
MGNREGS or any other dedicated the source of funding. Convergence for piped
drinking water, electricity connection, LPG gas connection etc. different
Government programmers are also to be attempted.<o:p></o:p>

<o:p> </o:p>

4.The cost of unit assistance is to be shared between
Central and State Government in the ratio 60:40 in plain areas and 90:10 for
North Eastern and the Himalayan States. From the annual budgetary grant for
PMAY-G,90% of funds is to be released to States/UTs for the construction of new
house under PMAY-G This would also include 4%allcation towards Administrative
expenses .5%of the budgetary grant is to be retained at the central Level as
reserve found for special Projects. The annual allocation to the states is to
be based on the Annual Action Plan (AAP) approved by the Empowered Committee
and the found to States /UTs is to be released in tow equal installments.<o:p></o:p>

<o:p> </o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjcGmNijHi-Ej20JiZM6cgBVwB4wiJvn2XYvSUz5-FyopMnaSfjapAXGmrQJh3zVQZEgw_vErt-jQhobaREVwr4QTcT92HJAIA2n6goppB6e1eaCv_Q8NweZivT4eRwFyZDrQ0tFDz4co/s266/pmay.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="190" data-original-width="266" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjcGmNijHi-Ej20JiZM6cgBVwB4wiJvn2XYvSUz5-FyopMnaSfjapAXGmrQJh3zVQZEgw_vErt-jQhobaREVwr4QTcT92HJAIA2n6goppB6e1eaCv_Q8NweZivT4eRwFyZDrQ0tFDz4co/w416-h298/pmay.png" width="416" /></a></div>

5.Once of the most important features of PMAY-G is the
selection of beneficiary. To ensure that assistance is targeted at those who
are genuinely deprived and that the selection is objective and verifiable,
PMAY-G instead of selecting a the beneficiary from among the BPL households
selects beneficiary using housing deprivation parameters in the Socio Economic
and Caste Census (SECC), 2011 date which is to be verified by the Gram Sabhas.
The SECC data captures specific deprivation related to housing among
households. Using the data households that are houseless and living in 0,1 and
2 kutcha wall and kutcha roof houses can be segregated and targeted . The
Permanent Wait List so generated also ensures that the states have the ready
list of the household to be covered under the scheme in the coming years
(through Annual Select Lists) leading to better planning of implementation. To
adders grievances in beneficiary selection an appellate process has also been
put in place.<o:p></o:p>

<o:p> </o:p>

6.Towards better quality of construction, setting up of a
Nation Technical Support Agency (NTSA) at the national level is envisaged. One
of the major constraints in quality house construction is the lack of the
sufficient number of skilled masons. To address this, a pan-India training and
certification programme of Masons has been launched in the States/UTs. This
will, in addition, and career progression for rural masons. For timely
construction/completion to ensure good quality of house construction, it has
also been envisaged to tag a PMAY-G the beneficiary with a field level
Government functionary and a Rural Mason.<o:p></o:p>

<o:p> </o:p>

7.The beneficiary to be assisted by in-house construction
with a bouquet of house design typologies inclusive of disaster resilience
features the are suitable to their local geo-climatic conditions . These
designs are developed through an elaborate public consultative process. This
exercise will ensure that the beneficiary does not over-construct in the
initial stages of house building which often results in the incomplete house or
the beneficiary is forced to borrow money to complete the house.<o:p></o:p>

<o:p> </o:p>

8.In PMAY-G, programme implementation and monitoring is to
be carried out through an end to end e-Governance model- Using AwaasSoft and
Awaas App. While AwaasSoft is a work –flow enabled, web-based electronic
service delivery platform through which all critical function of PMAY-G, right
from identification of beneficiary to providing construction linked assistance
(throghPFMS),will be carried out; AwaasApp-a the mobile application is to be
used to monitor real time, evidence based progress of house construction
through date and time stamped and georeferenced photographs of the house. The
tow IT application help identify the slip ups in the achievement of targets
during the course of implementation of the programme. All payments to
beneficiary is to be through DBT to beneficiary’s Bank/post office accounts
registered in Awaas SoftMIS.<o:p></o:p>

<o:p> </o:p>

9.The States have to come up with their Annual Action Plan
of PMAY-That will include a plan for convergence in with other Government
programme . The mechanism for convergence in PMAY-G is also to be strengthened
through a system to system real-time transfer of information between the
programme that are to converge with PMAY-G.<o:p></o:p>

<o:p> </o:p>

10.A willing beneficiary is to be facilitated to avail
institution finance up to Rs.70,000.-which would be monitored through the SLBC,
DLBC and DLBC.<o:p></o:p>

<o:p> </o:p>

11.The programme implementation is to be monitored not only
electronically, but also through community participation (Social Audit), Member
of Parliament (DISHA Committee), Central and State Government officials,
National Level Monitors etc.<o:p></o:p>

PRADHAN MANTRI AWAAS YOJANA-GRAMIN

PRADHAN MANTRI AWAAS YOJANA-GRAMIN ABOUT US 1.Public housing programme in the country started with the rehabilitation of refugees imme...

PM Ujjwala Yojana- INFORMATION OF GOVERNMENT SCHEME

<h2 style="text-align: left;"> PM Ujjwala Yojana(PMUY)<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJyt1KHgG8BDgX9j93BQ3I_FlGtCElBmH0u6Hu3y_3BENCfa3rj0Tc8gcfFvJpQ1_Q4KSvIZfCfv0qZmVbWltElHUlQ9FrGLwQIGhp6N8L2kQpJ_vOzIQwYLB7idgVaWIaiHku4IDXuP0/s640/Pradhan-Mantri-Ujjwala-Yojana.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="480" data-original-width="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJyt1KHgG8BDgX9j93BQ3I_FlGtCElBmH0u6Hu3y_3BENCfa3rj0Tc8gcfFvJpQ1_Q4KSvIZfCfv0qZmVbWltElHUlQ9FrGLwQIGhp6N8L2kQpJ_vOzIQwYLB7idgVaWIaiHku4IDXuP0/s0/Pradhan-Mantri-Ujjwala-Yojana.png" /></a></div> Scheme</h2><o:p></o:p>India is home to more than 24 Crore households out of which
about 10 Crore households are still deprived of LPG as cooking fuel and have to
rely on firewood, coal, dung – cakes etc. as primary source of cooking. The
smoke from burning such fuels causes alarming household pollution and adversely
affects the health of Women & children causing several respiratory
diseases/ disorders. As per a WHO report, smoke inhaled by women from unclean
fuel is equivalent to burning 400 cigarettes in an hour. In addition, women and
children have to go through the drudgery of collecting firewood.<o:p></o:p>

<o:p> </o:p>

Pradhan Mantri Ujjwala Yojana (PMUY) aims to safeguard the
health of women & children by providing them with a clean cooking fuel –
LPG, so that they don’t have to compromise their health in smoky kitchens or
wander in unsafe areas collecting firewood.<o:p></o:p>

Pradhan Mantri Ujjwala Yojana was launched by Hon’ble Prime
Minister Shri Narendra Modi on May 1st, 2016 in Ballia, Uttar Pradesh. Under
this scheme, 5 Cr LPG connections will be provided to BPL families with a
support of Rs.1600 per connection in the next 3 years. Ensuring women’s
empowerment, especially in rural India, the connections will be issued in the
name of women of the households. Rs. 8000 Cr. has been allocated towards the
implementation of the scheme. Identification of the BPL families will be done
through Socio Economic Caste Census Data.<o:p></o:p>

<o:p> </o:p>

PMUY is likely to result in an additional employment of
around 1 Lakh and provide business opportunity of at least Rs. 10,000 Cr. over
the next 3 Years to the Indian Industry. Launch of this scheme will also
provide a great boost to the ‘Make in India’ campaign as all the manufacturers
of cylinders, gas stoves, regulators, and gas hose are domestic.<o:p></o:p>

<o:p> </o:p>

The launch of PMUY in Ballia was followed by launch of the
scheme in Dahod in  Gujarat by Petroleum
Minister Shri Dharmendra Pradhan & BJP President Shri Amit Shah. PMUY has
also been launched in several districts in UP & Bihar.<o:p></o:p>

PM Ujjwala Yojana- INFORMATION OF GOVERNMENT SCHEME

PM Ujjwala Yojana(PMUY) Scheme India is home to more than 24 Crore households out of which about 10 Crore households are still deprived of...

Pradhan Mantri Jan-Dhan Yojana (PMJDY)

<h2 style="text-align: left;">Scheme Details</h2><o:p></o:p>

<o:p> </o:p>

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission
for Financial Inclusion 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.<o:p></o:p>

<o:p> </o:p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXIVeosMjhboNFM4yW4jAUo180-4Fo4z6nvzoWHsc3RhdnC9d3B95J9BZzrDORyResxsAy4CK4HrsWTV5slsyODutKnuQkS5XxFO-3UQuuqz6aa7XEqf4VLtbs9e4p5bF2LmefQ3DACE4/s994/pmjdy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="569" data-original-width="994" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXIVeosMjhboNFM4yW4jAUo180-4Fo4z6nvzoWHsc3RhdnC9d3B95J9BZzrDORyResxsAy4CK4HrsWTV5slsyODutKnuQkS5XxFO-3UQuuqz6aa7XEqf4VLtbs9e4p5bF2LmefQ3DACE4/s640/pmjdy.jpg" width="640" /></a></div>

<o:p> </o:p>

<h2 style="text-align: left;">Benefits under PMJDY</h2><o:p></o:p>

One basic savings bank account is opened for unbanked
person.<o:p></o:p>

There is no requirement to maintain any minimum balance in
PMJDY accounts.<o:p></o:p>

Interest is earned on the deposit in PMJDY accounts.<o:p></o:p>

Rupay Debit card is provided to PMJDY account holder.<o:p></o:p>

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.<o:p></o:p>

Life Insurance Cover of Rs. 30,000 to eligible PMJDY account
holders who opened their account for the first time between 15.8.2014 to
31.1.2015 is available.<o:p></o:p>

An overdraft (OD) facility up to Rs. 10,000 to eligible
account holders is available.<o:p></o:p>

PMJDY accounts are eligible for Direct Benefit Transfer
(DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri
Suraksha Bima Yojana (PMSBY), Atal Pendion Yojana (APY), and Micro Units
Development & Refinance Agency Bank (MUDRA) scheme.<o:p></o:p>

Pradhan Mantri Jan-Dhan Yojana (PMJDY)

Scheme Details Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial servic...

Unnat Bharat Abhiyan SRMIST

Kisan Credit Card (KCC)

Janani Suraksha Yojana

Ladli Laxmi Yojana

Soil Health Card scheme

Swachh Bharat Mission Toilet

Jan Aushadi Yojana

Krishi Sinchayee Yojana

Kaushal Vikas Yojana (PMKVY)

FASAL BIMA YOJANA (PMFBY)

Atal Pension Yojana

Suraksha Bima Yojana

Jeevan Jyoti Bima Yojana(PMJJBY)

Pradhan Mantri MUDRA Yojana (PMMY)

Sukanya Samridhi Yojana

PRADHAN MANTRI AWAAS YOJANA-GRAMIN

PM Ujjwala Yojana- INFORMATION OF GOVERNMENT SCHEME

Pradhan Mantri Jan-Dhan Yojana (PMJDY)

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Swachh Bharat Mission Toilet

Ladli Laxmi Yojana

Soil Health Card scheme

‘‘Spectacular Science’, Ninnakarai village 07 March 2025

Eye Awareness Program and Eye Screening - Outreach activity to Rural School Students (19.03.2025)

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Wall painting competition @ Panchayat Union Middle School - Orathur

My India Project Second Visit (01.03.2025) - Cleanliness Drive at Singa Perumal Koil Higher Secondary school.

Pradhan Mantri MUDRA Yojana (PMMY)

Cleanliness Drive at Singa Perumal Koil Middle School in association with My India Project (22.02.2025)