SchemesTap Booster - JANUARY-MAY-2023-RBI

About Scheme What’s in News?
Reserve Bank of India (RBI)

Liberalised Remittance Scheme (LRS)
▪ Launch Year – 2004 ▪ Spending in foreign exchange
▪ Reserve Bank of India (RBI) through international credit
cards will be covered under LRS
▪ Objective - To liberalize the existing foreign exchange regulations and
o Earlier only debit
facilitate smooth transfer of funds abroad by Indian residents (outward
cards, forex cards,
remittance)
and bank transfers
▪ All resident individuals, including minors, are allowed to freely remit up to were included
USD 2,50,000 per financial year (April – March) for any permissible
current or capital account transaction or a combination of both (except ▪ Payments by an individual using
for prohibited items) their international Debit or Credit
▪ In case of minor, LRS declaration form must be countersigned by minor’s cards upto ₹7 lakh per financial
natural guardian year will be excluded from the
▪ Investor who has remitted funds under LRS can retain and reinvest income LRS limits.
earned from his investments made under Scheme
▪ Unused foreign exchange, unless reinvested, shall be repatriated and
surrendered to an authorised person within period of 180 days from date of
such receipt
▪ No restrictions on frequency of remittances under LRS
▪ Remittances can be made in any freely convertible foreign currency
▪ Scheme not available to corporates, partnership firms, HUF, Trusts, etc
▪ Indian residents can make remittances to International Financial Services
Centres (IFSCs) under LRS framework
Payments Infrastructure Development Fund (PIDF) Scheme
▪ Reserve Bank of India (RBI) ▪ The scheme was in news
▪ Objective - To increase the number of acceptance devices multi-fold in the recently.
country
▪ Validity Period - 3 years from January 01, 2021, extendable by 2 further
years, if necessary
▪ Target - Increasing payments acceptance infrastructure by adding 30 lakh
touch points – 10 lakh physical and 20 lakh digital payment acceptance
devices every year
▪ Primary focus shall be to create payment acceptance infrastructure in Tier-
3 to Tier-6 centres
▪ Scheme shall include eligible street vendors covered under PM Street
Vendor’s AtmaNirbhar Nidhi (PM SVANidhi Scheme) in Tier-1 and Tier-2
centres
▪ North Eastern states of the country and Union Territories of Jammu and
Kashmir, and Ladakh (UTs of J & K and Ladakh) shall be given special focus
▪ Focus to target those merchants who are yet to be terminalised
(merchants who do not have any payment acceptance device)
Ministry of Heavy Industries
Faster Adoption and Manufacturing of Electric Vehicles (FAME India) Phase II
▪ Launch Year – 2019 ▪ Government has reduced the
▪ Ministry of Heavy Industries subsidy provided under FAME-II
(Faster Adoption of
▪ Objective - To encourage Faster adoption of Electric and hybrid vehicle
Manufacturing of Electric
▪ Tenure - Initially for 3 years, then extended for 2 years till 31st March 2024 Vehicles in India) scheme
▪ Financial Outlay - ₹10,000 crores applicable on electric two-
▪ FAME India II Scheme was redesigned in June 2021 wheelers registered on or after
June 1, 2023.
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▪ Incentive provided to buyers of electric vehicles in the form of an upfront ▪ Centre extends EV battery safety
reduction in the purchase price of electric vehicles certification deadline by 6
▪ For electric 2-wheelers, demand incentive of ₹10,000 per kWh (earlier Rs months (till October 1, 2023).
15,000 per kWh)
▪ Cap on incentives for electric 2-wheelers to be 15% of ex-factory price of
vehicles (earlier - 40%)
Ministry of Finance
Mahila Samman Savings Certificates, 2023
▪ Launch Year – 2023 ▪ The scheme has been launched
▪ Ministry of Finance recently.
▪ Interest received under the
▪ Tenure - 1st April 2023 to 31st March 2025
Mahila Samman Certificate
▪ One-time small savings scheme for women investors to encourage programme would not be subject
investments and is available in 1.59 lakh post offices to TDS (Tax Deducted at
▪ Account can be opened by – Source) and will instead be taxed
o Woman for herself based on the
applicable tax bracket of the
o Guardian on behalf of a minor girl
account holder.
o An individual may open any number of accounts subject to the
maximum limit for deposit specified above and a time gap of 3-
months shall be maintained between the existing account and
the opening of other account
▪ Investment limit –
o Minimum - ₹1000 (and any sum in multiples of Rs 100)
o Maximum - ₹2 lakh
▪ Offers fixed interest of 7.5% interest compounded quarterly
▪ Partial withdrawal –
o After 1st year from date of account opening but before
account's maturity
o Account holder can withdraw a maximum of 40% of the balance.
▪ Premature closure of an account may be permitted, any time after
completion of 6-months from the date of opening of an Account.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
▪ Launch Year – 2015 ▪ The scheme completed 8 years.
▪ Ministry of Finance ▪ More than 34 crore Cumulative
Enrolments.
▪ Aim - To provide insurance cover to common people especially poor and
under-privileged sections & enhance the level of insurance penetration in
the country.
▪ Target Coverage - 37 crore (earlier - 22 crore)
▪ Eligibility Criteria –
o People in the age group 18 to 70 years with individual bank/
Post office account
o In case of multiple accounts in 1 or different banks/ Post office,
person can join the scheme through 1 account only
o NRIs holding bank account with a bank branch located in India
o Institutional account holders are not eligible
▪ Premium - ₹20/- (earlier ₹12) per annum per member
▪ Protection against death or disability due to accident
▪ Risk coverage –
o Rs. 2 lakh for accidental death and permanent total disability
o Rs. 1 lakh for permanent partial disability
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▪ Death/disability due to natural calamities (such as earthquake, flood etc) as
well as death due to murder are covered in PMSBY, while death due to
suicide is not covered
▪ Accident cover of the member shall terminate - On attaining age 70 years,
Closure of account with the Bank
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
▪ Launch Year – 2015 ▪ The scheme completed 8 years
▪ Ministry of Finance ▪ More than 16 crore Cumulative
Enrolments
▪ Offered by Life Insurance Corporation (LIC) and all other life insurers who
are willing to join the scheme and tie-up with banks.
▪ Aim - To provide insurance cover to common people especially poor and
the under-privileged sections of the society.
▪ Target Coverage - 15 crore beneficiaries (earlier 6.4 crore)
o People in age group of 18 to 50 years having a savings bank or
a post office account who give their consent to join/enable auto-
debit.
o Subject to annual renewal, benefits are available till the age of
55 (entry, however, not possible beyond age of 50 years)
o In case of multiple accounts in one or different banks/ Post
office, the person is eligible to join the scheme through one
account only.
▪ Premium - ₹436 (earlier ₹330) per annum per member and is renewable
every year
▪ Provides life coverage of ₹2 lakh for 1 year.
▪ Risk Coverage –
o ₹2 Lakh in case of death for any reason
o Risk cover is applicable only after the first 30 days (earlier - 45
days) of enrolment (lien period)
Pradhan Mantri Jan Dhan Yojana (PMJDY)
▪ Launch Year – 2014 ▪ Telangana achieves 100%
▪ Ministry of Finance coverage of PMJDY.
▪ Total number of beneficiaries
▪ Aim - To expand and make affordable access to financial services
reached 48.65 crore by the end
▪ Eligible Beneficiaries - Persons not having any other account of the last fiscal (FY 2022-23).
▪ Provision of zero balance bank accounts ▪ The women beneficiaries were
▪ Rupay Debit card is provided to PMJDY account holder over 27 crores.
▪ As per RBI data, about 8% of
▪ Accident Insurance Cover - ₹2 lakh (earlier Rs 1 Lakh)
PMJDY accounts have zero
o for accounts opened after 28 August 2018 balance.
▪ Overdraft (OD) facility up to ₹10,000 (earlier Rs. 5000)
o Age limit for OD facility - 18-65 years
o No conditions attached up to ₹2,000
o After satisfactory operation of the account for 6 months
▪ Life insurance cover of ₹30,000
▪ PMJDY account is treated as inoperative if there are no customer induced
transactions in the account for over a period of 2-years.
Atal Pension Yojana
▪ Launch Year – 2015 ▪ Over 5.25 crore subscribers
▪ Ministry of Finance enrolled in APY marking 8 years
of successful implementation.
▪ Implementing Agency - Pension Fund Regulatory and Development
Authority (PFRDA)
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▪ Aim - To address the longevity risks among the workers in unorganized
sector
▪ Eligibility –
o Applicable to all citizen of India aged between 18-40 years
o Focus will be on unorganized sector workers
o Should make contributions for a minimum of 20 years
o Open to all bank account holders who are not members of any
statutory social security scheme
▪ Replaced Swavalamban scheme
▪ Fixed pension for the subscribers (starting from the age of 60 years)
o Monthly pension of ₹1000 to ₹5000 depending upon
subscribers’ contribution
o After the subscriber's death - to his/her spouse
o After spouse's death - pension corpus, as accumulated at age
60 of the subscriber, would be returned to the nominee of the
subscriber
▪ In case of premature death of subscriber (before 60 years of age)
o Spouse of subscriber can continue contribution to APY account
of the subscriber, for the remaining vesting period, till original
subscriber would have attained age of 60 years
▪ Voluntary exit in APY is permitted
National Pension System
▪ Launch Year – 2004 ▪ Number of subscribers under
▪ Ministry of Finance various schemes under the NPS
rose to 624.81 lakh (in March
▪ Implementing Agency - Pension Fund Regulatory and Development
2023) from 508.47 Lakh in March
Authority (PFRDA)
2022, showing a year- on- year
▪ Aim – To provide retirement income to all citizens (Y-o-Y) increase of 22.88%.
Beneficiaries –
▪ Any Indian Citizen, resident or non-resident or an Overseas Citizen of India
between the age of 18 - 70 years
▪ All new employees of Central Government service (except Armed Forces)
and Central Autonomous Bodies joining Government service on or after 1st
January 2004
▪ All employees of State Governments, State Autonomous Bodies joining
services after the date of notification by the respective State Governments
▪ Private sector employees and unorganized sector workers
Features –
▪ Structured into 2 tiers -
o Tier-I account - non-withdrawable permanent retirement
account
o Tier-II account - Voluntary withdrawable account which is
allowed only when there is an active Tier I account
▪ Subscriber can exit only after completion of 10 years
▪ Partial Withdrawal can happen maximum of 3 times during the entire tenure
of subscription if the subscriber has completed at least 3 years from the
date of joining of the NPS
▪ PFRDA has permitted subscribers who join after the age of 65 years, to
allocate up to 50% of the funds in equity
Vivad se Vishwas I – Relief to MSMEs
▪ Launch Year – 2023 ▪ The scheme was launched
▪ Ministry of Finance recently.
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▪ Implementing Agency - Department of Expenditure
▪ Objective - Providing relief to MSMEs for COVID-19 period.
▪ Tenure - Commenced from 17.04.2023 and last date for submission of
claims is 30.06.2023.
▪ Eligibility –
o Registered as a Medium, Small or Micro Enterprise as per
relevant scheme of Ministry of MSME on the date of claim by
supplier/ contractor
o MSME could be registered for any category of Goods and
Services
o Original delivery period/ completion period stipulated in
contract should be between 19.02.2020 and 31.03.2022
(both dates are inclusive)
▪ Benefits –
o 95% of performance and Bid security forfeited shall be refunded
o 95% of Liquidated Damages (LD) deducted shall be refunded
o 95% of Risk Purchase amount realized shall be refunded
▪ Government e-Marketplace (GeM) developed a dedicated webpage for
implementation of scheme.
Stand-Up India Scheme
▪ Launch Year – 2016 ▪ Stand Up India scheme
▪ Ministry of Finance completed 7-years.
▪ Objective - To facilitate bank loans between ₹10 lakh to ₹1 crore to atleast
one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and atleast
one-woman borrower per bank branch for setting up a greenfield enterprise
▪ Tenure - Extended in 2019-20 for entire period coinciding with 15th Finance
Commission period of 2020-25
▪ Beneficiaries –
o SC/ST and/or Women entrepreneurs above 18 years of age
o Loans are available only for greenfield projects (1st time venture
of beneficiary)
o For non-individual entreprises, 51% of the shareholding and
controlling stake should be held by either SC/ST and/or Women
Entrepreneur
o Borrower should not be in default to any bank/financial
institution
o Minimum 10% of the project cost to be borne by the borrower
▪ Composite loan of 85% of the project cost inclusive of term loan and
working capital
o Repayable in 7 years with a maximum moratorium period of 18
months
▪ Refinance window through Small Industries Development Bank of India
(SIDBI) with initial amount of - ₹10,000 crore
▪ Margin Money Requirement for loans under scheme has been reduced
from upto 25% to upto 15% which can be provided in convergence with
eligible Central/State schemes
o Borrower shall be required to bring in minimum of 10% of the
project cost as own contribution
▪ Online portal "Standupmitra" - Developed by SIDBI
Emergency Credit Line Guarantee Scheme
▪ Launch Year – 2020 ▪ Under ECLGS, against the
▪ Ministry of Finance announced package of Rs 5.00
lakh crore, guarantees for loans
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▪ Objective - Fully guaranteed and collateral free additional credit to MSMEs, amounting to ₹3.60 lakh crore
business enterprises, MUDRA borrowers and individual loans has been issued i.e. 72%.
▪ ECLGS is being extended up to March 2023 with an expanded guarantee
cover of ₹5 lakh crore
▪ 100% guarantee coverage provided by the National Credit Guarantee
Trustee Company
▪ Tenor of loans provided is 5 years including a moratorium of 1 year on
principal repayment
Pradhan Mantri Mudra Yojana (PMMY)
▪ Launch Year – 2015 ▪ The scheme completes 8-years.
▪ Ministry of Finance ▪ About 68% of accounts under the
scheme belong to women
▪ Aim - To fund the unfunded
entrepreneurs and 51% of
▪ Components - accounts belong to
o Shishu: covering loans upto ₹50,000 entrepreneurs of SC/ST and OBC
o Kishor: covering loans above ₹50,000 and upto ₹5 lakhs categories.
o Tarun: covering loans above ₹5 lakh and up to ₹10 lakhs
▪ No processing fee, no collateral, Repayment period of loan is extended up
to 5 years
▪ All banks viz. Public Sector banks, Private Sector Banks, Regional Rural
Banks, Co-operative Banks, Foreign Banks and Non-Banking Finance
Companies (NBFCs)/ Micro Finance Institutions (MFIs) are required to lend
under the scheme
▪ Credit Guarantee Product is extended by creation of a Fund called “Credit
Guarantee Fund for Micro Units” (CGFMU)
▪ Managed by - National Credit Guarantee Trustee Company Ltd. (NCGTC)
Vivad se Vishwas II (Contractual Disputes) Scheme
▪ Ministry of Finance ▪ Mentioned in Union Budget
▪ To clear the backlog of old disputes and litigation, Government of India has 2023-24.
intended to bring one time settlement scheme called “Vivad se Vishwas II
(Contractual Disputes)
▪ Under the scheme, Ministry of Finance proposed quick settlement of
contractual disputes to promote ease of doing business as announced in
Union Budget 2023-24.
▪ The scheme will be implemented through Government e-Marketplace
(GeM).
▪ Seek to settle contractual disputes of government and government
undertakings, wherein arbitral award is under challenge in a court.
Ministry of Jal Shakti
Atal Bhujal Yojana (ATAL JAL)
▪ Launch Year - 2019 ▪ National Level Steering
▪ Ministry of Jal Shakti Committee (NLSC) of the Atal
Bhujal Yojana decided to
▪ Implementing Agency - Department of Water Resources, River
continue the scheme for
development and Ganga Rejuvenation
another 2 years beyond existing
▪ Objective - To improve the management of groundwater resources in the time.
water stressed areas of the selected States through community
participation.
▪ Central Sector Scheme
▪ Financial Allocation - ₹6000 crore
▪ Tenure - Till 2024-25
▪ Implementation in - 7 States - Gujarat, Haryana, Karnataka, Madhya
Pradesh, Maharashtra, Rajasthan and Uttar Pradesh
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▪ 4-tier-Institutional Arrangment
Components:
▪ Institutional Strengthening and Capacity Building Component
▪ Incentive Component
o Incentive amount to be disbursed from World Bank based on
Disbursement Linked Indicators (DLIs)
Swachh Bharat Mission (SBM) Gramin Phase II
▪ Launch Year – 2020 ▪ 50% Villages Are Now ODF Plus
▪ Ministry of Jal Shakti Under Swachh Bharat Mission
Grameen Phase II
▪ Objective - Maintaining Open Defecation Free (ODF) status of villages,
▪ Top performing states in terms of
Gram Panchayats, Blocks, Districts and States over a continued period of
percentage of ODF Plus villages
time
are - Telangana (100%),
▪ Tenure - 2020-21 to 2024-25 Karnataka (99.5%) among the
▪ Centrally Sponsored Scheme big states and
▪ Financial Outlay – Goa (95.3%) and Sikkim
(69.2%) among small states
o ₹1,40,881 crores
▪ Among UTs – Andaman &
o In addition to SBM(G) funds, allocation of 15th Finance Nicobar Islands, Dadra Nagar
Commission funds for sanitation Havelli & Daman Diu and
▪ SBM (G) Phase-I was launched on 2nd Oct, 2014 Lakshadweep have 100% ODF
▪ Components – Plus Model villages.
o Construction of Individual Household Latrines (IHHLs)
o Retrofitting of toilets
o Construction of Community Sanitary Complexes (CSCs)
o Solid Waste Management - GOBAR-dhan (Galvanizing Organic
Bio-Agro Resources-dhan) initiative to convert bio-waste into
biogas and bio slurry
o Liquid Waste Management
o Faecal Sludge Management
o Information Education and Communication/Behavior Change
Communication (IEC/BCC) and Capacity Building
▪ ODF Plus village - sustains its ODF status, ensures solid and liquid waste
management and is visually clean
Jal Shakti Abhiyan: Catch the Rain (JSA:CTR) Campaign
▪ Launch Year – 2021 ▪ The 2023 campaign is being
▪ Ministry of Jal Shakti implemented from 4th March
2023 to 30th November 2023.
▪ Aim - To create appropriate Rainwater Harvesting Structures (RWHS)
suitable to the climatic conditions and sub-soil strata before monsoon by
nudging states and stakeholders.
▪ Jal Shakti Abhiyan expanded as JSA: CTR in 2021 (by subsuming Catch the
Rain)
▪ Expanded scope for pan-India to create appropriate rainwater harvesting
structures in urban and rural areas of all districts of country, with people's
active participation, during the pre-monsoon and monsoon periods.
Jal Shakti Abhiyan: Catch the Rain (JSA: CTR) 2023:
▪ Theme - Source Sustainability for Drinking Water
▪ Implementation from 4th March 2023 to 30th November 2023 in all
districts (rural as well as urban areas) of country
▪ Focus on source sustainability in 150 Water Stressed Districts, as
identified by the Jal Jeevan Mission.
Jal Jeevan Mission (JJM)
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▪ Launch Year – 2019 ▪ Budget 2023-24 - ₹70,000 Crore
▪ Ministry of Jal Shakti ▪ Achieves Milestone Of 12 Crore
Tap Water Connections
▪ Objective – To provide safe and adequate drinking water through individual
▪ As on 16th May 2023, 5 States
household tap connections to all households in rural India
(Goa, Telangana, Haryana,
▪ Centrally Sponsored Scheme Gujarat and Punjab) and 3 Uts
▪ Estimated Budget - ₹3.60 Lakh Crore (Puducherry, Daman Diu & Dadra
▪ Target – 2024 Nagar Haveli and A&N Islands),
have reported 100% coverage
▪ National Rural Drinking Water Programme (NRDWP) is restructured and
subsumed
▪ Village Water Sanitation Committee (VWSC)/Paani Samiti at Village level
▪ Provide potable water at service level of 55 litre per capita per day
through Functional Household Tap Connections (FHTC) by 2024
▪ Special focus on women and children
▪ Community needs to contribute 5% or 10% of capital cost for in-village
infrastructure as the case may be, in cash/ kind/ and/ or labour
▪ Every village will prepare a Village Action Plan (VAP) having 3 components
– Water source & its maintenance, Water supply, Greywater (domestic
wastewater) management
Namami Gange Mission II
▪ Launch Year – 2023 ▪ The schemes has been launched
▪ Ministry of Jal Shakti recently.
▪ Implemented By - National Mission for Clean Ganga (NMCG)
▪ Aim - To make villages on the bank of river Ganga Open Defecation Free
and interventions dealing with solid and liquid waste management
▪ Tenure - Up to 2026
▪ Financial Outlay - ₹22,500 crore
▪ It covers 8 states/UTs, 47 towns & 12 rivers under the project
▪ Current focus is on five major states on the main stem of river Ganga namely
Uttarakhand, Uttar Pradesh, Jharkhand, Bihar and West Bengal.
▪ Establishment of Clean Ganga Fund (charity fund) as a trust under the
Indian Trusts Act
GOBAR (Galvanizing Organic Bio-Agro Resources) - dhan scheme
▪ Launch Year - 2018 ▪ Establishment of 500 new
▪ Ministry of Jal Shakti ‘waste to wealth’ plants under
the scheme have been proposed
▪ Aim - To ensure cleanliness in villages by converting bio-waste into
for promoting circular economy.
resources
▪ Principles –
o Aggregate cattle waste and convert it to biogas
o Bio-slurry as a by product of the biogas process, used as bio-
fertilizer
o Actively involve the community /SHG / milk coops in operation
and management
o Focus on making the process economically viable for all in the
value chain
o Entrepreneurship for the large scale production of compressed
biogas and bio-fertilizers
Ministry of Labour & Employment
Employees’ Pension Scheme,1995 (EPS,1995)
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▪ Launch Year – 1995 ▪ Ministry of Labour & Employment
▪ Ministry of Labour & Employment issues notifications in
compliance of judgement of
▪ Implementing Agency - Employees’ Provident Fund Organisation (EPFO)
Hon’ble Supreme Court in the
▪ Objective - Provisions for pensions for the employees in the organized case pertaining to Pension on
sector Higher Wages.
▪ Both employer and employee contribute 12% of employee’s monthly
salary to Employees’ Provident Fund (EPF) scheme
▪ Of the employer's share of 12 % in EPF, 8.33 % diverted towards the EPS
▪ Central Government also contribute 1.16 % of the pay of the members of
Employees' Pension Scheme and credit the contribution to Employees'
Pension Fund
▪ Membership –
o Every employee who on or after 16th November, 1995, becomes
a member of Employees' Provident Fund Scheme, 1952, or of
the Provident Funds of factories and other establishments
exempted by appropriate Government
o Member of ceased Employees' Family Pension Scheme, 1971
▪ Membership till he attains age of 58 years, or he avails withdrawal benefit
to which he is entitled, or dies, or pension is vested in him
▪ Pensionable salary shall be average monthly pay drawn in any manner
during contributory period of service in the span of 60 months preceding
the date of exit from the membership of Pension Fund
▪ EPS (Amendment) Scheme, 2014-
o Raised pensionable salary cap to Rs 15,000 a month from Rs
6,500 a month, and allowed only existing members (as on
September 1, 2014)
Employees’ State Insurance (ESI) scheme
▪ Launch Year – 1952 ▪ As on 31.03.2023, the
▪ Ministry of Labour & Employment Employees’ State Insurance (ESI)
scheme is notified in all the
▪ Administration by - Employees' State Insurance Corporation (ESIC)
States and Union Territories,
▪ Objective - To accomplish the task of protecting employees against the except in the Union Territory of
impact of incidences of sickness, maternity, disablement and death due Lakshadweep.
to employment injury and to provide medical care to insured persons and
their families.
▪ Applicability-
o To all non-seasonal factories employing 10 or more persons
o Extended coverage by some States/UTs, to sectors employing
10 or more persons in some specified sectors
o Extended coverage by Central Government to sectors
employing 20 or more persons in some specified sectors
▪ Existing wage limit for coverage is ₹21,000/- per month (₹25,000/- per
month in case of Persons with Disability)
▪ Financed by contributions from employers and employees
o Employer’s Contribution – 3.25% of the wages paid/payable
o Employee Contribution – 0.75% of the wages paid/payable
o Employees in receipt of a daily average wage upto ₹176/- are
exempted from payment of contribution
Social security benefits
▪ Medical Benefit –
o No ceiling on expenditure on treatment of an Insured Person or
his family member
▪ Sickness Benefit
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o Cash compensation at rate of 70 per cent of wages payable to
insured workers during periods of certified sickness for
maximum of 91 days in a year
▪ Maternity Benefit
o For confinement/pregnancy is payable for 26 weeks,
extendable by further 1 month on medical advice at rate of full
wage subject to contribution for 70 days in preceding 2
Contribution Periods
▪ Disablement Benefit - Benefit at rate of 90% of wage in the form of monthly
payment depending upon extent of loss
▪ Dependants’ Benefit
▪ Other Benefits - Funeral Expenses, Confinement Expenses
National Pension Scheme for Traders and Self Employed (NPS-Traders)
▪ Launch Year – 2019 ▪ The scheme was in news
▪ Ministry of Labour & Employment recently.
▪ Implemented through Life Insurance Corporation of India (L.I.C) &
Common Service Centres
▪ Beneficiaries – Vyaparis, retail traders, shopkeepers and self-employed
persons
o Annual turn-over not exceeding ₹1.5 crore
o 18 to 40 years
o Should not be member of - National Pension Scheme (NPS -
GOVT FUNDED), Employees’ State Insurance Corporation
Scheme, Employees’ Provident Fund Organization (EPFO),
Pradhan Mantri Shram Yogi Maandhan
▪ Monthly contribution - 50% by beneficiary, Equal matching contribution by
Central Government
▪ After attaining age of 60 years - Subscribers are eligible for minimum
assured pension of ₹3000/- per month.
▪ If beneficiary dies her/his spouse will receive a monthly family pension
equivalent to 50% of the beneficiary pension.
Pradhan Mantri Shram Yogi Maandhan (PM-SYM) Yojana
▪ Launch Year – 2019 ▪ e-SHRAM portal integrated with
▪ Ministry of Labour and Employment PMSYM Scheme to enable e
SHRAM registrants to easily opt
for PMSYM scheme.
▪ Eligibility –
o Unorganized Worker (UW)
o Entry age between 18 to 40 years
o Monthly Income ₹15000 or below
o Should not be income tax payer
▪ Minimum assured pension of ₹3000 per month after attaining the age of
60 years
▪ Monthly contribution varies from ₹55 per month at the age of 18 years to
₹200 per month at the age of 40 years
▪ Family pension is applicable only to spouse
▪ Contribution –
o 50% by pensioner
o 50% by Central government
▪ Implemented through - Life Insurance Corporation of India and CSC
eGovernance Services India Limited (CSC SPV)
▪ In case of death of beneficiary -Spouse shall be entitled to receive 50% of
the pension
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▪ Subscriber gives regular contribution and died - Spouse can continue
scheme
▪ If subscriber exits the scheme within a period of less than 10 years - will
receive his/her share of contribution only along with savings bank interest
rate
Ministry of New and Renewable Energy
National Green Hydrogen Mission
▪ Ministry of New and Renewable Energy recently.
▪ Objective - Make India the Global Hub for production, usage and export of
Green Hydrogen and its derivatives
▪ Phased Approach
o PHASE I (2022-23 TO 2025-26)
o PHASE II (2026-27 TO 2029-30)
▪ Sub-Components
o Under the Strategic Interventions for Green Hydrogen
Transition Programme (SIGHT), 2 distinct financial incentive
mechanisms will be provided - Targeting domestic
manufacturing of electrolysers, Production of Green Hydrogen
o Pilot projects In emerging end-use sectors and production
pathways
o R&D Projects - Public-Private Partnership framework for R&D
(Strategic Hydrogen Innovation Partnership – SHIP) will be
facilitated under the Mission
o Coordinated skill development programme
▪ Mission Outcomes by 2030 –
o Development of green hydrogen production capacity of at least
5 MMT (Million Metric Tonne) /annum
o With potential to reach 10 MMT per annum with growth of export
markets
o Renewable Energy Capacity Addition of - 125 GW
PLI Scheme 'National Programme on High Efficiency Solar PV (Photo Voltic) Modules
▪ Launch Year – 2021 ▪ Government allocates 39600
▪ Ministry of New & Renewable Energy MW of domestic Solar PV module
manufacturing capacity.
▪ Implementing Agency –
▪ Rajasthan, Gujarat and Karnataka
o Tranche-I: Indian Renewable Energy Development Agency account for over 50% installed
o Tranche-II: Solar Energy Corporation of India Limited capacity.
▪ Aim - To promote manufacturing of high efficiency solar PV modules in India
and thus reduce import dependence
▪ Financial Outlay - ₹24,000 Crore - Implemented in two tranches
▪ Eligibility depends upon –
o Quantum of sales
o Performance parameters (efficiency and temperature
coefficient)
o Performance parameters (efficiency and temperature
coefficient)
▪ PLI will be disbursed for 5 years post commissioning
Scheme for Development of solar parks and Ultra-mega Solar Power Projects
▪ Launch Year – 2014 ▪ The scheme was in news.
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▪ Ministry of New & Renewable Energy
▪ Objective - To facilitate the solar project developers to set up projects
expeditiously
▪ Tenure - Valid till 2023-24
▪ Target –
o To set up at least 25 Solar Parks and Ultra Mega Solar Power
Projects
o To set up 40,000 MW of solar power installed capacity by 2023-
24
▪ Facilitates and speed up installation of grid connected solar power projects
for electricity generation on a large scale
▪ Capacity of the solar parks - 500 MW and above
Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyaan (KUSUM) Scheme
▪ Launch Year – 2019 ▪ An amount of Rs. 562.47 Crore
▪ Ministry of New & Renewable Energy was released during last two
years under the scheme.
▪ Aim - To add solar and other renewable capacity of 30.8 gigawatt (GW) by
2022
▪ Tenure - Till 2026
▪ Component A: 10,000 MW of Decentralized Ground Mounted Grid
Connected Renewable Power Plants of individual plant size up to 2 MW
▪ Component B: Installation of 20 lakh standalone Solar Powered Agriculture
Pumps
▪ Component C: Solarisation of 15 Lakh Grid-connected Agriculture Pumps
Ministry of Electronics & Information Technology (MeitY)
India Semiconductor Mission (ISM)
▪ Launch Year – 2021 ▪ Government invited applications
▪ Ministry of Electronics & Information Technology (MeitY) for setting up Semiconductor and
Display Fabs as per Modified
▪ Nodal Agency - India Semiconductor Mission (ISM)
Semicon India Programme from
▪ Aim - To provide financial support to companies investing in 1st June 2023.
semiconductors, display manufacturing and design ecosystem
▪ Financial Outlay - ₹76,000 crore over next 6 years
▪ Consist of 4 Sub-schemes -
1. Modified Scheme for setting up of Semiconductor Fabs in
India
2. Modified Scheme for setting up of Display Fabs in India
3. Modified Scheme for setting up of Compound
Semiconductors/ Silicon Photonics/ Sensors Fab &
Semiconductor Assembly, Testing, Marking and Packaging
(ATMP)/ OSAT facilities in India
4. Design Linked Incentive Scheme
▪ Under 1,2 and 3, Fiscal Incentive of 50 % of the project cost is available.
Design Linked Incentive (DLI) Scheme
▪ Launch - 2021-22 ▪ Application window of Design
▪ Ministry of Electronics and Information Technology (MeitY) Linked Incentive Scheme is open
till December 2024.
▪ Nodal Agency - C-DAC (Centre for Development of Advanced
▪ The MeitY has set up ChipIN
Computing)
Centre at C-DAC Bangalore to
▪ Objective - Nurturing 100 domestic companies of semiconductor design dedicate its services to
and facilitating growth of not less than 20 such companies to achieve semiconductor design
turnover of more than ₹1500 Crore in the next 5 years community.
▪ Tenure - Application window open till December 2024
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▪ Target Segment - Semiconductor design for Integrated Circuits (ICs),
Chipsets, System on Chips (SoCs), Systems & IP Cores and semiconductor
linked design
Production Linked Incentive Scheme 2.0 for IT Hardware
▪ Nodal Ministry - Ministry of Electronics and Information and Technology recently.
(MeitY) ▪ Window of applications under PLI
Scheme 2.0 for IT Hardware will
▪ Objective - Production linked incentives to boost domestic manufacturing
open from June 01, 2023.
and attract large investments in the value chain of IT Hardware products
▪ India has become world’s 2nd
▪ Tenure – largest manufacturer of mobile
o Scheme’s tenure to end on 31.03.2031 phones. Exports of mobile
o Incentives applicable from July 1, 2023 or April 1,2024 or April phones crossed milestone of 11
1,2025 for 6 years depending upon application billion USD this year (about ₹90
thousand crore).
▪ Target segments –
o Laptops, Tablets, All-in-One Personal Computers (PCs),
Servers, Ultra small form factor devices
▪ 3 categories of applicants allowed - global companies, hybrid
(global/domestic) companies and domestic companies
▪ For purpose of qualification criteria, FY 2021-22 to be treated as base year
Incentive Scheme for promotion of RuPay Debit Cards and low-value BHIM-UPI transactions (P2M)
▪ Ministry of Electronics & Information Technology (MeitY) recently
▪ Outlay - ₹ 2,600 crore
▪ Applicable to Banks having operations in India and transactions done in
India
▪ Acquiring banks will be provided financial incentive, for promoting Point-of-
Sale (PoS) and e-commerce transactions using RuPay Debit Cards and low-
value BHIM-UPI transactions (P2M) for FY 2022-23
▪ Promote UPI Lite and UPI 123PAY as economical and user-friendly digital
payments solutions
Digital India
▪ Ministry of Electronics & Information Technology (MeitY) recently.
▪ Aim – To transform the country into a digitally empowered society
▪ Centered on three key vision areas –
o Digital Infrastructure as a Utility to Every Citizen
o Governance & Services on Demand
o Digital Empowerment of Citizens
▪ Monitoring Committee headed by Prime Minister
Pradhan Mantri Gramin Digital Saksharta Abhiyan (PMGDISHA)
▪ Launch Year – 2017 ▪ Government has covered 6 Crore
▪ Ministry of Electronics & Information Technology (MeitY) rural households (one person per
household) under the scheme.
▪ Implementing Agency – CSC e-Governance Services India Ltd.
▪ Aim – To make 6 crore persons digitally literate in rural area (around 40%)
o Applicable only for rural areas
o All such households where none of the family member is digitally
literate
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o Only one person per eligible household
o Age Group - 14 – 60 years
o Preference would be given to SC, ST, BPL, women, differently-
abled persons and minorities
▪ Under Digital India Programme
▪ Course Duration – 20 hours (Min. 10 days and Max. 30 days)
▪ Training on operating a computer, tablet, smartphones, etc and how to
access the Internet, government services, undertake digital payment,
compose e-mails, etc.
Scheme for Promotion of Manufacturing of Electronic Components and Semiconductors (SPECS)
▪ Notified in – 2020 ▪ Tenure of the scheme extended.
▪ Ministry of Electronics & Information Technology (MeitY)
▪ Objective - To help offset the disability for domestic manufacturing of
electronic components and semiconductors
▪ Extension given for application till March 31, 2024, earlier applications
invited for 3 years – till March 31, 2023
▪ Incentives extended till fiscal 2029 (earlier 2028)
▪ Financial incentive of 25% on capital expenditure for the identified list of
electronic goods comprising downstream value chain of electronic products
Ministry of Commerce & Industry
Startup India Initiative
▪ Launch Year – 2016 ▪ More than 92,000 entities
▪ Ministry of Commerce & Industry recognized as startups since
launch of Startup India.
▪ Implementing Agency - Department for Promotion of Industry and Internal
Trade (DPIIT)
▪ Aim - To build a strong eco-system for nurturing innovation and Startups in
the country that will drive sustainable economic growth and generate large
scale employment opportunities
▪ Consist of 19 Action Points to accelerate spreading of Startup movement
Action Plan
▪ Simplification and Handholding
o Startups are allowed to self-certify their compliance under 9
Labour and 3 Environment laws for a period of 3 to 5 years
from the date of incorporation
o Start-ups Intellectual Property Protection (SIPP) facilitates
startups to file applications for patents, designs and trademarks
through registered facilitators in appropriate IP offices by
paying only statutory fees
o Government has notified Startups as ‘fast track firms’ enabling
them to wind up operations within 90 days vis-a-vis 180 days
for other companies
▪ Funding Support and Incentives
o Fund of Funds for Startups (FFS) Scheme
o Credit Guarantee Scheme for Startups (CGSS)
o Startup India Seed Fund Scheme (SISFS)
o Income Tax Exemption for 3 years - Recognized startups
exempted from income-tax for a period of 3 consecutive
years out of 10 years since incorporation
▪ Industry-Academia Partnership and Incubation
15 | P a g e
Fund of Funds for Startups (FFS)
▪ Ministry of Commerce and Industry recently.
▪ Monitoring Agency (of Scheme) - Department for Promotion of Industry
and Internal Trade (DPIIT)
▪ Operating Agency (of Fund) - Small Industries Development Bank of India
(SIDBI)
▪ Objective - Supporting development and growth of innovation driven
enterprises, by facilitating funding needs of Start-ups
▪ Corpus - ₹10,000 crore
▪ In line with Start-up India Action Plan
▪ Scheme does not directly invest in startups, instead provides capital to
SEBI-registered Alternative Investment Funds (AIFs), known as Daughter
funds
o Daughter funds invest money in growing Indian startups through
equity and equity-linked instruments
o AIFs would be monitored by SIDBI
o No minimum investment limit in any AIF
Credit Guarantee Scheme for Startups (CGSS)
▪ Guarantee Coverage – By Department for Promotion of Industry and
Internal Trade (DPIIT)
▪ Operating Agency – National Credit Guarantee Trustee Company Limited
(NCGCTC)
▪ Objective – To provide guarantee up to a specified limit against credit
instruments extended by Member Institutions (Mis) to finance eligible
startups
▪ Maximum amount of debt (fund based or non-fund based facilities) eligible
for guarantee cover is ₹10 crore per borrower
Eligibility
▪ Borrower –
o Recognized by the DPIIT
o Not in default to any lending/investing institution and not
classified as Non-Performing Asset (NPA) as per guidelines of
the Reserve Bank of India (RBI)
o Certified by the Mis for guarantee cover
o Reached stage of stable revenue stream, as assessed from
audited monthly statements over a 12 months period, amenable
to debt financing
▪ Member Institutions (Mis) –
o Scheduled Commercial Banks and Financial Institutions
o RBI registered Non-Banking Finance Companies (NBFCs) having
minimum networth of Rs.100 crores and credit rating of BBB and
above
o SEBI registered Alternative Investment Funds (AIFs)
Start-up India Seed Fund Scheme (SISFS)
16 | P a g e
▪ Launched by – Department for Promotion of Industry and Internal Trade
(DPIIT)
▪ Aim – To provide financial assistance to startups for proof of concept,
prototype development, product trials, market entry, and commercialization
▪ Tenure – Approved for 4 years, starting from 2021-22
▪ ₹945 Crore corpus divided over the next 4 years for providing seed funding
to eligible startups through eligible incubators across India
Eligibility Criteria for startups -
• Recognized by DPIIT, incorporated not more than 2 years ago at the
time of application
• Should not have received more than Rs 10 lakh of monetary support
under any other Central or State Government scheme
• Shareholding by Indian promoters in the startup should be at least 51%
at the time of application
• Can avail seed support in the form of grant and debt/convertible
debentures each once
Ministry of Micro, Small and Medium Enterprises (MoMSME)
Raising and Accelerating MSME Performance (RAMP) Scheme
▪ Launch Year – 2022 ▪ First meeting of National MSME
▪ Ministry of Micro, Small and Medium Enterprises Council held.
▪ Aim - Improving access to market and credit of MSMEs
▪ Tenure - 2021-22 to 2025-26
▪ Central Sector Scheme (assisted by World Bank)
▪ Finacial Outlay - ₹6,062.45 crore (USD 808 Million)
o World Bank - Rs.3750 crore (USD 500 Million)
o Government of India - Rs. 2312.45 crore (USD 308 Million)
▪ Formulated for strengthening MSMEs in line with recommendations made
by U K Sinha Committee, KV Kamath Committee and Economic Advisory
Council to Prime Minister (PMEAC)
▪ To support various COVID-19 Resilience and Recovery Interventions of
Ministry of MSME
▪ Identified results areas –
o Strengthening Institutions & Governance of MSME Program
o Support to Market Access, Firm Capabilities, Access to Finance
▪ Strategic Investment Plans (SIPs) to be prepared with support of all
states/UTs for MSMEs
▪ National MSME Council - headed by Minister for MSME - For overall
monitoring and policy overview
National Scheduled Caste and Scheduled Tribe Hub (NSSH)
▪ Launch Year – 2016 ▪ National SC-ST Hub Scheme
▪ Ministry Of Micro, Small & Medium Enterprises crossed more than a lakh
beneficiary registration.
▪ Implementing Agency – National Small Industries Corporation (NSIC)
▪ Aim – Capacity enhancement of Scheduled Caste (SC)/Scheduled Tribe
(ST) entrepreneurs and promoting entrepreneurship culture amongst SC /
ST population
▪ Tenure – Till 31.03.2026
▪ Financial Outlay - ₹438 crore from FY 2021-22 to FY 2025-26
Components/Interventions under NSSH –
▪ Special Credit Linked Capital Subsidy (SCLCSS) for Technology
Enablement
17 | P a g e
o To promote new enterprises and support existing enterprises in
their expansion for enhanced participation in public
procurement
o Provides upfront capital subsidy to facilitate purchasing of plant
& machinery to existing as well as new Micro & Small Enterprises
(MSEs)
o Fabricated and second-hand plant and machinery not eligible
for subsidy
▪ Capacity building of existing & aspiring SC/ST entrepreneurs
▪ Support for enhancing competitiveness through various reimbursement
subschemes
▪ Special Marketing Assistance Scheme (SMAS) for SC/ST entrepreneurs
Functions of NSSH –
• To encourage SC/ST owned units to achieve share of at least 4% of total
procurement being made by Central/State Governments, CPSEs, and
other government agencies
• Facilitating SC/ST Entrepreneurs to be part of vendor development
programs and mentoring support by specific CPSE matching the
products/services of such entrepreneurs
Micro and Small Enterprises - Cluster Development Programme (MSE-CDP)
▪ Ministry of Micro, Small and Medium Enterprises (MSME) ▪ The scheme was in news
▪ Objective - To enhance the sustainability, competitiveness and growth of recently.
MSEs by addressing common issues such as improvement of technology,
skills & quality, market access, etc
▪ Erstwhile Small Industries Cluster Development Programme (SICDP) was
renamed as Micro and Small Enterprises – Cluster Development Programme
(MSE-CDP) in 2007
▪ Integrated Infrastructural Development (IID) Scheme subsumed in MSE-
CDP for providing developed sites for new enterprises and upgradation of
existing industrial infrastructure
▪ Tenure - 2021-22 to 2025-26
Components –
▪ Common Facility Centers (CFCs)
o Involves projects between ₹5 crore to ₹30 crore
o Project costing more than ₹30 crore can also be considered but
GoI assistance limited to maximum eligible project cost
▪ Infrastructure Development
o Involves projects between ₹5 crore to ₹15 crore
o Project costing more than ₹15 crore can also be considered but
GoI assistance limited to maximum eligible project cost
▪ Projects costing less than ₹5 crore would be considered only to promote
rural industries addressing issues relating to livelihood technological need
Credit Guarantee Scheme for Micro and Small Enterprises
▪ Launch Year – 2000 ▪ Limit on ceiling for guarantees
▪ Ministry of Micro, Small and Medium Enterprises enhanced from ₹2 crore to ₹5
crore.
▪ Aim - To make available collateral-free credit to the micro and small
▪ Infusion of ₹9,000 crore to the
enterprise sector(MSEs)
corpus.
▪ Eligible Activity –
o Manufacturing and services including Retail Trade
o Educational / Training Institutions, SHG and agriculture are
ineligible for coverage
18 | P a g e
▪ Ministry of MSMEs and Small Industries Development Bank of India (SIDBI)
established a trust named Credit Guarantee Fund Trust for Micro and
Small Enterprises(CGTMSE) to implement the scheme
▪ Corpus of CGTMSE is being contributed by the GoI and SIDBI in the ratio of
4:1 respectively
▪ Fund and non-fund based (Letters of Credit, Bank Guarantee etc.) credit
facilities up to ₹5 crore (earlier ₹2 crore) per eligible borrower are covered,
provided they are extended on the project viability without collateral
security or third party guarantee
▪ For settlement of claims in respect of guarantees for loan outstanding upto
₹10 lakh (earlier ₹5 lakh), initiation of legal proceedings will no longer be
required
MSME Competitive (LEAN) Scheme
▪ Ministry of Micro, Small and Medium Enterprises recently.
▪ Implementing Agencies – Quality Council of India (QCI) and National
Productivity Council (NPC)
▪ Aim – To enhance the Domestic and Global Competitiveness of MSMEs
through the application of various Lean Techniques
▪ Financial support and other incentives valid March 31, 2026
▪ Eligibility –
o All MSMEs registered with the UDYAM registration portal (of
the MoMSME)
▪ Components – Digital Platform, Industry Awareness Programmes /
Workshop, Training Programmes, Benefits/Incentives, Handholding
▪ Open to Common Facilities Centers (CFCs) under SFURTI (Scheme of Fund
for Regeneration of Traditional Industries) and Micro & Small Enterprises –
Cluster Development Program (MSE-CDP) Schemes
▪ Under the scheme, MSMEs will implement LEAN manufacturing tools like
5S, Kaizen, KANBAN, Visual workplace, Poka Yoka etc under the able
guidance of trained and competent LEAN Consultants.
▪ Scheme can be attained in 3-Levels after registering and taking the Lean
Pledge
▪ To support MSMEs, Government will contribute 90% of implementation
cost for handholding and consultancy fees
Prime Minister’s Employment Generation Program (PMEGP)

▪ Launch Year – 2008 ▪ PMEGP Scheme of KVIC which
▪ Ministry of Micro, Small and Medium Enterprises has enhanced Loan ceiling from
₹25.00 Lakhs to ₹50.00 lakhs.
▪ Nodal agency (national level) – Khadi and Village Industries Commission
▪ There has been an increase of
(KVIC)
~40% in employment generated
▪ Objective – Providing sustainable & continuous employment to rural & urban under PMEGP.
unemployed youth, traditional & prospective artisans
▪ Eligibility –
o Individuals above 18 years of Age
o Co-operative Societies, SHG and Charitable Trusts
o Minimum qualification – Std VIII for projects above Rs 5 lakh
(service sector) & above Rs 10 lakh (manufacturing sector)
o Institutions registered under Societies Registration Act – 1860
▪ Government has approved continuation of PMEGP over the 15 th Finance
Commission Cycle for five years (2021-22 to 2025-26) with an outlay of
₹13554.42 Crore
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▪ Assistance is available only to new units that are to be established
▪ Mandatory Training for all – 2 weeks
▪ Maximum project cost –
o ₹50 lakh (Manufacturing Sector)
o ₹20 lakh (Service Sector)
Ministry of Rural Development
Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS)
▪ Launch Year - 2005 ▪ Kerala government launched a
▪ Ministry of Rural Development welfare fund for Mahatma Gandhi
Rural Employment Guarantee
▪ Objective - To provide at least 100 days of guaranteed wage employment
Scheme (MGNREGS) workers in
in a financial year to each household in rural areas of country whose adult
the State.
members volunteers to do unskilled manual work.
▪ Budget allocation of ₹60,000
▪ Eligibility – crores at Budget Estimate stage
o Applicant must be 18 years of Age and volunteer for Unskilled for MGNREGS for FY 2023-24.
work. ▪ Households offered employment
o Must be part of a local household of Gram Sabha in 2022-23 under MGNREGS:
6.89 crore.
▪ Fund Sharing –
▪ According to MGNREGA
o Central Government - Full cost of unskilled labour and 75% of Management Information System
cost of material (MIS) report, Rajasthan has
o State Government - Pay unemployment allowance and 25% of topped the country with 35.61
the material costs. crore person days generation
▪ Gram Sabha at village level to conduct social audits under MGNREGS.
o Rajasthan is followed
▪ At least one-third beneficiaries shall be women
by Tamil Nadu, Uttar
▪ 10% extra wage in case of employment provided beyond 5 km of radius. Pradesh, Andhra
▪ Unemployment allowance in case employment is not provided within 15 Pradesh and Bihar.
days of submitting application or from date when work is sought in case of ▪ Haryana has the highest daily
advance application. wage at ₹357 per day and,
▪ Provision for additional 50 days of unskilled wage employment in a financial Madhya Pradesh and
year in drought/natural calamity notified rural areas Chhattisgarh the lowest at ₹221
Saansad Adarsh Gram Yojana(SAGY)

▪ Ministry of Rural Development recently.
▪ Objective - To trigger processes which lead to holistic development of the
identified Gram Panchayats
▪ Target –
o To develop 3 Adarsh Grams by March 2019, of which 1 was to
be achieved by 2016
o Thereafter, 5 such Adarsh Grams (one per year) will be selected
and developed by 2024
▪ No additional funds are allocated under this scheme
▪ Under SAGY, each Member of Parliament (MP) adopts a Gram Panchayat
and guides its holistic progress giving importance for social development at
par with infrastructure
▪ The MP would be free to identify a suitable Gram Panchayat to be
developed as Adarsh Gram, other than his/her own village or that of his/her
spouse
Selection of a Village -
▪ Gram panchayat (GPs) as basic unit with population
o 3000-5000 in plain areas
o 1000-3000 in the hilly, tribal and difficult area
20 | P a g e
▪ A working group formed by the District Collector draws up the draft
Village Development Plan (VDP) based on the needs prioritized by the
people
Digital India Land Records Modernization Programme (DILRMP)
▪ Launch Year – 2008 ▪ Department of Land Resources
▪ Ministry of Rural Development has achieved 100% expenditure
target of Budget Estimates of
▪ Objective - Develop a modern, comprehensive and transparent land record
₹239.25 crore fixed in respect of
management system
DILRMP for the year 2022-23.
▪ Government has approved extension of DILRMP for a period of five years -
2021-22 to 2025-26
▪ Provide online single-window at-a-glance access to all available, relevant
information to give a fair comprehensive position of any plot of land
▪ "District" is taken as unit of implementation, where all programme activities
are to converge
Indira Gandhi National Old Age Pension Scheme (IGNOAPS)
▪ Ministry of Rural Development recently.
▪ Earlier known as National Old Age Pension Scheme
▪ Under National Social Assistance Programme
▪ All the persons who are 60 years of age in a BPL family are eligible to get
old age pension
▪ Old age persons of 60 to 79 years belonging to BPL families are provided
pension of ₹200 per month
▪ Pension is increased to ₹500 per month on attaining the age of 80 years
Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)
▪ Launch Year – 2011 ▪ India’s target to have 10 Crore
▪ Ministry of Rural Development SHG members will be achieved
by 2024.
▪ Objective - To reduce rural poverty
▪ Ministry of Rural Development
▪ Centrally Sponsored Scheme signs MoU with “Meesho” (an e-
▪ NRLM was renamed as DAY-NRLM (Deendayal Antyodaya Yojana – National commerce platform) for
Rural Livelihood Mission) in 2016 marketing of products made by
▪ Involves working with the community institutions through community the Self Help Groups (SHGs)
professionals under DAY-NRLM.
▪ Focus - Stabilizing and promoting existing livelihood portfolio of the poor in
farm and non farm sectors, Building skills for the job market outside,
Nurturing self-employed and entrepreneurs (for micro-enterprises)
Components
▪ Mahila Kisan Sashaktikaran Pariyojana (MKSP)
▪ Aajeevika Grameen Express Yojana
▪ Start-up Village Entrepreneurship Programme (SVEP)
▪ Deendayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)
▪ National Rural Livelihoods Project (NRLP)
▪ National Rural Economic Transformation Project (NRETP)
Pradhan Mantri Awas Yojana - Gramin

▪ Launch Year – 2016 ▪ 5.28 million houses have been
▪ Ministry of Rural Development built under the PMAY-G in FY23,
up 25% from previous year.
▪ Target - Construction of 2.95 crore houses with all basic amenities by 2024
21 | P a g e
o Identified using information from Socio Economic and Caste
Census (SECC) subject to 13 point exclusion criteria
▪ Minimum size of house (including a dedicated area for hygienic cooking) -
25 sq. mt.
▪ Financial Assistance –
o Unit assistance of ₹1.20 lakh in plain areas
o Unit assistance of ₹1.30 lakh in hilly states, difficult areas
▪ Provision of assistance for toilets construction (₹12000) though
convergence with Swachh Bharat Mission-Gramin, MGNREGS etc.
▪ Beneficiary is entitled to 90/95 person day of unskilled labour from
MGNREGS
Pradhan Mantri Gram Sadak Yojana (PMGSY)
▪ Launch Year – 2000 ▪ Geographic Information System
▪ Ministry of Rural Development (GIS) data developed for the
Pradhan Mantri Gram Sadak
▪ Aim – To provide good all-weather road connectivity to unconnected
Yojana (PMGSY) scheme
villages
released in public domain.
▪ World Bank has supported PMGSY since its inception.
▪ The unit is a Habitation and not a Revenue village or a Panchayat.
▪ Covers only the rural areas – only single road connectivity to be provided
▪ It does not permit repairs to Black-topped or Cement Roads, even if the
surface condition is bad
▪ PMGSY-II, which was approved in May, 2013, envisaged consolidation of
50,000 Km of existing rural road network
▪ PMGSY-III launched in 2019 for consolidation of 1,25,000 Km existing
Through routes and Major rural links connecting habitations, inter-alia, to
Gramin Agricultural Markets, Higher Secondary Schools and Hospitals
Ministry of Defence
Agnipath Scheme
▪ Launch Year – 2022 ▪ The Passing Out Parade (POP) of
▪ Ministry of Defence the First batch of Agniveers held
at INS Chilka.
▪ Aim - To enable a youthful profile of the armed forces
▪ The POP marks the successful
▪ Eligibity Criteria - completion of training of close to
o All Indian nationals 2600 Agniveers including 273
o Age limit - 17.5 to 21 years women Agniveers undergoing
training at Chilka.
o Medical standards - Same as applicable to repective armed
service
▪ Engagement Period – 4 years
▪ Up to 25% agniveers will be inducted in regular cadres
o To serve for a further engagement period of minimum 15 years
▪ Pay & Allowances - ₹30,000/- per month for first year with fixed yearly
increment
o Second year - ₹33,000 per month
o Third year - ₹36,500 per month
o Fourth year - ₹40,000 per month
▪ 30% of Monthly pay will be deducted towards contribution to Agniveer
corpus + equal contribution by Central Government
▪ On exit after 4 years, SevaNidhi package of ₹11.7 lakh (tax-free) to be
provided
▪ Non-contributory Life Insurance Cover of ₹48 lakh
22 | P a g e
Ministry of Education
New India Literacy Programme
▪ Launch Year – 2022 ▪ 22.70 lakh learners participated
▪ Ministry of Education in 1st Foundational Literacy and
Numeracy Assessment Test.
▪ Tenure – FY 2022-2027
▪ Maximum number of learners
▪ Financial Outlay - ₹1037.90 crore appeared in Madhya Pradesh.
▪ Aim – Adult Education is now ‘Education for All’
▪ Objectives –
o Foundational Literacy and Numeracy
o Critical life skills
o Vocational skills development
o Basic education
o Continuing education
▪ Target for Foundational Literacy and Numeracy for Fys 2022-27 is 5 crore
learners @ 1.00 crore per year by using “Online Teaching, Learning and
Assessment System (OTLAS)” in collaboration with National Informatics
Centre, NCERT and NIOS
▪ In alignment with the recommendations of National Education Policy (NEP)
2020
▪ School will be unit for implementation
▪ Age cohort of 15-35 will be saturated first followed by ages 35 and above.
▪ Priority will be given in terms of categories to the Girls and women,
SC/ST/OBC/Minorities, Persons with Special Needs (Divyangjans),
Marginalized/ Nomadic/ construction workers/ laborers/etc
National Initiative for Proficiency in Reading with Understanding and Numeracy (NIPUN) Bharat Mission
▪ Ministry of Education recently.
▪ Implementing Agency - Department of School Education & Literacy
▪ Aim - To achieve the goal of universal proficiency in foundational literacy
and numeracy for every child by grade 3, by 2026-27 as envisaged by
National Education Policy 2020
▪ Mission set up under the aegis of centrally sponsored scheme of Samagra
Shiksha
▪ 5-tier implementation mechanism will be set up at the National- State-
District- Block- School level in all States and UTs
▪ Components –
o Foundational Literacy and Numeracy
o Early Mathematics
o Children of age group of 3 to 9 years including pre-school to
Grade 3
o Children in Class 4 and 5 and have not attained the foundational
skills will be provided
Pradhan Mantri Schools for Rising India (PM-SHRI) Scheme
▪ Ministry of Education
▪ Aim - To develop and upgrade more than 14500 schools across the country
as PM SHRI Schools
▪ Total budget - ₹27360 crore
▪ Centrally Sponsored
23 | P a g e
▪ Tenure - 2022-23 to 2026-27
▪ Selection of schools would be done through a three-stage process with
definite time lines
▪ A school will receive nearly ₹2 crore through Direct Benefit Transfer
o The principal or the local committee will be given the flexibility
to determine the use of 40% of the fund
Ministry of Tribal Affairs
Marketing and Logistics Development for Promotion of Tribal Products from North Eastern Region (PTP-NER)
▪ Launch Year – 2023 ▪ Recently, the scheme has been
▪ Ministry of Tribal Affairs launched in Manipur.
▪ Aim - To improve livelihood of additional 6000 tribal artisans and tribal
producers across the North East Region
▪ Budget Allocation - ₹143 Crores
▪ States covered - Arunachal Pradesh, Assam, Manipur, Meghalaya,
Mizoram, Nagaland, Tripura and Sikkim
▪ Partners of scheme –
o North Eastern Handicrafts and Handlooms Development
Corporation (NEHHDC)
o India Post under Department of Posts
o North Eastern State Government Departments/ Agencies
▪ Tribal Cooperative Marketing Development Federation of India (TRIFED)
signed an MoU with the NEHHDC for the implementation of the scheme
▪ Initiate empanelment of tribal artisans from North Eastern Region by
organizing 68 Tribal Artisan Melas (TAMs) at various districts of North
eastern Region to showcase their products
▪ Van Dhan Vikas Kendra of all the North Eastern States shall be provided
market linkages
▪ India Post will provide logistics support
▪ Regular Design & Skill Development training sessions tailored to needs of
market for tribal recipients
Pradhan Mantri Jana Jatiya Vikas Mission (PMJVM)
▪ Launch Year - 2021-22 ▪ The scheme was in news
▪ Ministry of Tribal Affairs recently.
▪ Implementing Agency - Tribal Cooperative Marketing Development
Federation of India (TRIFED)
▪ Tenure - 2021-22 to 2025-26
▪ Objective - Providing safety net to Scheduled Tribe (ST) Forest dwelling
Minor Forest Produce (MFP) gatherers through procurement of MFPs at
Minimum Support Prices
▪ Financial Outlay - ₹1612.27 crore
▪ Coverage - All States and UTs having notified STs
▪ Redesigned through the merger and extension of 2 existing schemes
o Mechanism for Marketing of Minor Forest Produce through
Minimum Support Price and Development of Value Chain for
Minor Forest Produce (MSP for MFP)
o Institutional Support for Development and Marketing of Tribal
Products
▪ Mission seeks to support the theme of Vocal for Local by Tribal
▪ Tertiary processing units and TRIFOOD Food parks to be set up
▪ Marketing support –
24 | P a g e
o Through procurement of tribal products and produce
o By facilitating sale through retail outlets of TRIFED namely
TRIBES India across the country as well as different e-
commerce platforms and by organising exhibitions, melas,
mahotsavs, supplier meets, etc
Ekalavya Model Residential Schools (EMRS)
▪ Launch Year - 1997-98 ▪ Budget 2023-24 announces
▪ Ministry of Tribal Affairs recruitment of 38,800 teachers
and support staff for 740 Eklavya
▪ Aim - To ensure that tribal students get access to quality education in the
Model Residential Schools,
remote tribal areas
serving 3.5 lakh tribal students.
▪ Central sector scheme
▪ Target – 1 EMRS in every block with more than 50% ST population and at
least 20,000 tribal persons, will have an EMRS by the year 2022
▪ To provide quality education to Scheduled Tribes (ST) students (Class 6th
to 12th) in remote areas
▪ Recurring cost upto ₹1.09 lakh per year per student is paid for running of
the schools and towards expenses of the students (uniform, books &
stationary, food etc.)
▪ Reservation of 20% seats under sports quota for deserving ST students who
have excelled in the field of sports
▪ Number of seats for boys and girls will be equal
Post-Matric Scholarship for ST students
▪ Ministry of Tribal Affairs ▪ The scheme was in news
▪ Objective - To enable eligible Scheduled Tribe (ST) students to undertake recently.
quality education
▪ Centrally Sponsored Scheme
▪ Eligibilty –
o Family income of student from all sources should not exceed
₹2.5 lakh per annum
o Student should have passed the Matriculation or Higher
Secondary or any higher examination of a recognized University
or Board of Secondary Education
▪ Scholarship starting from class XI to Post Graduation courses in India
▪ Students can take admission only in empanelled Institutes within and
outside state
Ministry of Consumer Affairs, Food and Public Distribution
Targeted Public Distribution Scheme (TPDS)
▪ Launch Year – 1997 ▪ Total of 269 districts in 27 states
▪ Ministry of Consumer Affairs, Food and Public Distribution have started distributing fortified
rice under TPDS, achieving a
▪ Aim - To provide food grains to people below the poverty line at highly
100% target set for Phase II by
subsidised prices from the PDS and food grains to people above the poverty
March 2023 in Rice Fortification
line at much higher prices than the poverty line
Programme.
▪ Beneficiaries - National Food Security Act, 2013 (NFSA) legally entitles upto ▪ Government of India aims to
75% of rural population and 50% of urban population to receive subsidized supply Fortified Rice in every
foodgrains under TPDS Social Safety Net Scheme of the
▪ Beneficiaries were divided into two categories Government of India throughout
o Households Below the poverty line (BPL) the country by 2024 in a phased
manner.
o Households Above the poverty line (APL)
▪ Government increased allocation (w.e.f. 1st April 2000) to
o BPL families from 10 kg to 20 kg of food grains per family per
month at 50% of the economic cost
25 | P a g e
o APL families at economic cost
▪ End retail price is fixed by States/UTs after taking into account margin for
wholesalers/ retailers, transportation charges, levies local taxes, etc
▪ Department of Food & Public Distribution is implementing a Plan Scheme on
‘End-to-end Computerisation of TPDS Operations’ on cost sharing basis
with the States/UTs
▪ Millets are part of the TPDS
▪ Supply of fortified rice approved throughout TPDS under National Food
Security Act and in Other Welfare Schemes of Government of India
o Target Area - All States and Union Territories (UTs)
o Target year – 2024
Pradhan Mantri Garib Kalyan Ann Yojana
▪ Launch - 1st January, 2023 ▪ The scheme has been launched
▪ Ministry of Consumer Affairs, Food & Public Distribution recently.
▪ Aim - To provide free food grains to 81.35 crore (67% of total population)
beneficiaries
o Antyodaya Ann Yojana (AAY) Households
o Priority Household (PHH)
▪ Free foodgrains will be provided to beneficiaries for the year 2023 - As per
entitlement under NFSA
▪ Will subsume two subsidy schemes -
o Food Subsidy to FCI
o Food Subsidy for decentralized procurement states dealing with
procurement, allocation and delivery of free foodgrains to the
states under NFSA
Ministry of Environment, Forest and Climate Change

Mangrove Initiative for Shoreline Habitats & Tangible Incomes (MISHTI)
▪ Launch Year – 2023 (Announced in Union Budget 2023-24) ▪ The scheme was in news
▪ Ministry of Environment, Forest and Climate Change recently.
▪ Tenure – 5-years commencing FY 2023-24 onwards
▪ Aim – Facilitate mangrove plantation along the coastline and on salt pan
lands
▪ Implemented through – Convergence between MGNREGS, CAMPA Fund,
and other sources
▪ Promotes development of 540 Sq. Kms Mangroves across
o 11 States, 2 Union Territories
▪ Resources for implementation of MISHTI are through convergence of
other ongoing schemes/programmes of Central and State Governments
Amrit Dharohar Scheme
▪ Launch Year – 2023 (Announced in Union Budget 2023-24) ▪ The scheme was in news
▪ Ministry of Environment, Forest and Climate Change recently.
▪ Tenure – 2023-24 to 2026-27
▪ Aim – To encourage optimal use of wetlands, and enhance bio-diversity,
carbon stock, eco-tourism opportunities and income generation for local
communities
▪ Promote wetland conservation through community participation
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▪ Resources for implementation of the Amrit Dharohar are through
convergence of other ongoing schemes/programmes of Central and State
Governments
National Plan for Conservation of Aquatic Ecosystems (NPCA)
▪ Launch Year - 2013 ▪ Under the NPCA scheme,
▪ Ministry of Environment, Forest and Climate Change (MoEF&CC) Ministry Of Environment, Forest
And Climate Change has
▪ Implementing Agency – Wetlands Division of MoEF&CC
sanctioned the central
▪ Centrally Sponsored Scheme – Cost sharing basis assistance for conservation of
▪ Aim – Holistic conservation and restoration of wetlands (includes lakes) for 165 wetlands across the country,
achieving the desired water quality enhancement, besides improvement in including 42 Ramsar sites.
biodiversity and ecosystems
▪ Formed By Merging
o National Wetlands Conservation Programme (NWCP)
o National Lake Conservation Plan (NLCP)
▪ 4- pronged approach
o Developing baseline information – Wetland Brief Document
o Rapid assessment of wetlands condition – Wetland Health Card
o Stakeholder platforms to enable collaborative and participatory
management – Wetlands Mitras
o Management planning addressing wetlands’ biodiversity and
ecosystem services, values and threats – Wetland Integrated
Management Plan
National Clean Air Programme (NCAP)
▪ Launch Year – 2019 ▪ 95 cities have improved air
▪ Ministry of Environment, Forest and Climate Change quality and 20 cities met the
National Ambient Air Quality
▪ Aim – To improve air quality in 131 cities (non-attainment cities and Million
Standard in FY 2021-22 under
Plus Cities in 24 States) by engaging all stakeholders
the Programme.
▪ Target – To achieve reductions up to 40% or achievement of National
Ambient Air Quality Standards for Particulate Matter10 (PM 10)
concentrations by 2025-26
o Earlier Target – To achieve a national-level target of 20-30%
reduction of PM2.5 and PM10 concentration by 2024 (keeping
2017 as base year)
▪ Monitoring of implementation of scheme through – PRANA (Portal for
Regulation of Air-pollution in Non-Attainment cities)
▪ Cities under NCAP advised to incorporate Mission LiFE actions in their
plans
▪ Stringent enforcement through 3-tier mechanism for review of monitoring,
assessment and inspection
Ministry of Road Transport & Highways
Parvatmala Scheme (National Ropeways Development Programme)
▪ Launch Year – 2022, Announced in Union Budget 2022-23 ▪ Recently, the ‘INTERALPIN 2023
▪ Ministry of Road Transport & Highways Fair’, the Leading International
Trade Fair for Alpine
▪ Aim – To create a modern system of transportation and connectivity on the
Technologies was held in Austria.
mountains to improve connectivity and convenience for commuters
▪ Under Parvatmala Pariyojana,
▪ It will be taken up on PPP (Public Private Partnership) mode Government plans to develop
▪ Ropeways will be a preferred, ecologically sustainable alternative in place more than 250 projects with
of conventional roads in difficult hilly areas Ropeway length of over 1,200
▪ Cover congested urban areas, where conventional mass transit system is km in 5 years with focus on PPP
not feasible under Hybrid Annuity Model with
27 | P a g e
▪ Presently started in regions like – Uttarakhand, Himachal Pradesh, 60% contribution support by
Manipur, Jammu & Kashmir and the other North Eastern states Government of India.
▪ Contracts for 8-ropeway projects for a length of 60 km to be awarded in
2022-23
Ministry of Science & Technology
National Quantum Mission
▪ Launch Year – 2023 ▪ The mission has been launched
▪ Ministry of Science & Technology recently.
▪ India to become 7th nation to
▪ Aim – To seed, nurture and scale up scientific and industrial R&D and create
have National Quantum Mission
a vibrant & innovative ecosystem in Quantum Technology (QT)
after the US, Austria, Finland,
▪ Tenure – 2023-24 to 2030-31 France, Canada, and China.
▪ Financial Allocation - ₹6003.65 crore
▪ Accelerate QT led economic growth, nurture the ecosystem in the country
and make India one of the leading nations in the development of Quantum
Technologies & Applications (QTA)
▪ 4-Thematic Hubs (T-Hubs) will be set up in top academic and National R&D
institutes
▪ 6-ministries/departments involved in mission
Targets –
▪ Developing intermediate scale quantum computers
▪ Satellite based secure quantum communications between ground stations
over a range of 2000 kilometres within India
VAIBHAV Fellowships Scheme
▪ Ministry of Science and Technology recently.
▪ Objective – To improve the research ecosystem of India’s Higher
Educational Institutions by having collaborations with the best institutions
in the world
▪ Applications would be invited twice in a year
▪ Fellowship – Maintainable only in India
o Fellowship for 1-2 months each year for a period of 3 years
o Fellowship @ USD 5000 (₹37 lakh at present Dollar- Indian
Rupees market exchange rate)
Ministry of Youth Affairs and Sports
Khelo India: National Programme For Development Of Sports
▪ Launch Year – 2017 ▪ Government of India marks 5-
▪ Ministry of Youth Affairs and Sports years of Khelo India Scheme.
▪ Aim – To revive the sports culture in India at the grass-root level
▪ Tenure – 2021-22 to 2025-26
▪ Financial Outlay - ₹ 3165.50 crore
▪ Formed after merger of – Rajiv Gandhi Khel Abhiyan (RGKA), Urban Sports
Infrastructure Scheme (USIS), National Sports Talent Search Scheme
(NSTSS)
▪ Promote 20 universities across the country as hubs of sporting excellence,
which would enable talented sportspersons to pursue the dual pathway of
education and competitive sports
▪ Each selected athlete shall receive an annual scholarship worth ₹5 lakh for
8 consecutive year
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▪ New incentive structure to fund 500 private academies over next 4-years
starting FY 2020-21
▪ Earlier 12 components, now subsumed into 5-components
▪ 1-Khelo India State Centres of Excellence (KISCE) will be identified in each
state and union territory to create a robust sporting ecosystem
Ministry of Civil Aviation
UDAN-RCS (Ude Desh ka Aam Nagrik – Regional Connectivity Scheme)
▪ Launch Year – 2016 ▪ 5th round of the RCS –UDAN
▪ Ministry of Civil Aviation launched.
▪ 6 years ago, RCS Udan took
▪ Implemented by – Airport Authority of India
flight, connecting Shimla to
▪ Objective – To make air travel affordable for the general public Delhi.
▪ Target – To utilise 1000 UDAN routes during schemes’ tenure ▪ Ministry of Civil Aviation
▪ In operation for a period of 10 years launches UDAN 5.1, specifically
designed for helicopter routes.
▪ Financial Allocation - ₹4500 Crore
▪ Envisages providing connectivity to un-served and under-served airports
of country
▪ Airlines must sell a specific number of seats on each flight at a fixed fare of
₹2,500 for one hour of flying
▪ In the case of helicopter operations, allowed for the first time now, fares
are capped at ₹2,500 for a 30-minute flight
▪ Viability Gap Funding (VGF) and other concession by respective
government
▪ UDAN 1.0 – December 2016
▪ UDAN 2.0 (September 2017) – Focus on hilly areas, and North Eastern and
island states Seaplanes operations were incorporated in line with the
initiative of the government to develop water aerodromes
▪ UDAN 3.0 (October 2018) – Seaplanes operations were incorporated in line
with the initiative of the government to develop water aerodromes
▪ UDAN 4.0 (November 2019) – Also known as Small Aircraft Sub-Scheme
▪ UDAN 4.1 (March 2022) – Focus on awarding and operationalizing cancelled
routes of past UDAN rounds
▪ UDAN 5.0 (April 2023) –
o Focuses on Category-2 (20-80 seats) and Category-3 (>80
seats)
o VGF to be provided, will be capped at 600 km stage length for
both Priority and Non-Priority areas which was earlier capped
at 500 km
o No predetermined routes would be offered
▪ UDAN 5.1 (MAY 2023)
o For the first time under RCS-UDAN, this round is designed
specifically for helicopter routes
Krishi Udan 2.0
▪ Launch Year – 2021 ▪ Recently the scheme was
▪ Ministry of Civil Aviation mentioned in news.
▪ Formulated with support from AAI Cargo Logistics and Allied Services
Company Limited (AAICLAS)
▪ Aim – To channelize potential of Indian agriculture with logistical help of civil
aviation
▪ Cargo-related infrastructure to be built in airports of north-east, hilly and
tribal regions
▪ To be implemented at 58 airports across the country
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▪ 7 focus routes & products are included
▪ Online platform named E-Kushal (Krishi Udaan for Sustainable Holistic
Agri-Logistics), assist in coordinating, monitoring and evaluating the
scheme
Ministry of Health and Family Welfare
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
▪ Launch Year – 2018 ▪ 5 Crore hospital admissions
▪ Ministry of Health and Family Welfare authorized under PM-JAY.
▪ Implementing Agency – National Health Authority at National Level ▪ Premium rates for PM-JAY to
rise for first time since 2018.
▪ Aim – To cover over 10.74 crores poor and vulnerable families (30pprox..
o Currently, premium
50 crore beneficiaries) i.e., bottom 40% of the Indian population.
per family is ₹1,052
▪ Centrally Sponsored Scheme per year, which is
▪ Beneficiaries – Households according to the latest Socio-Economic Caste shared between the
Census (SECC) data covering both rural and urban areas on the basis of 6 Centre and state
deprivation and 11 occupational criteria. governments in a
▪ Health coverage of ₹5 lakh per beneficiary family per annum for 60:40 ratio.
secondary and tertiary care irrespective of no. of family members. ▪ The scheme is being
implemented in all 33 states and
▪ Covers up to 3 days of pre-hospitalization and 15 days post-hospitalization.
Union territories except Delhi,
▪ Benefits can be availed in both public and empanelled private facilities. Odisha and West Bengal.
▪ Subsumed – Rashtriya Swasthya Bima Yojana (RSBY) launched in 2008.
▪ 1,50,000 Health and Wellness Centres to be created by transforming the
existing Sub Centres and Primary Health Centres.
Pradhan Mantri Ayushman Bharat Health Infrastructure Mission (PM-ABHIM)
▪ Launch Year – 2021 ▪ World Bank signs a $1 Billion
▪ Ministry of Health and Family Welfare program to support India’s health
sector for pandemic
▪ Aim – To strengthen the critical healthcare network from village to block to
preparedness and enhanced
the district to the regional and national level in the next 4-5 years
health service delivery.
▪ Centrally Sponsored Scheme with some Central Sector Components
▪ Financial Outlay - ₹64,180 crore over 6 years (till FY 25-26)
▪ Components –
o Setting up comprehensive surveillance of infectious diseases
o Creation of comprehensive diagnostics and treatment facilities
o Comprehensive pandemic research
▪ Earlier known as Prime Minister Atmanirbhar Swasth Bharat Yojana
(PMASBY) Scheme
▪ Centrally Sponsored Components –
o Ayushman Bharat – Health and Wellness Centres (AB-HWCs) in
Rural areas
o Ayushman Bharat – Health and Wellness Centres (AB-HWCs) in
Urban areas
o Block Public Health Units (BPHUs)
o Integrated Public Health Labs
o Critical Care Hospital Blocks
▪ Central Sector Components –
o 12 Central Institutions as training and mentoring sites with
Critical Care Hospital Blocks
o Setting up of a National institution for One Health, 4 New
National Institutes for Virology, a Regional Research Platform for
WHO South East Asia Region and 9 Bio- Safety Level III
laboratories
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Ayushman Bharat Digital Mission(ABDM)
▪ Launch Year – 2020 (in pilot mode) ▪ National Health Authority (NHA)
o In September 2021, launched nationwide invites participation on the
‘National Health Claims
▪ Ministry of Health and Family Welfare
Exchange (HCX)-Sandbox’ under
▪ Implementing Agency – National Health Authority ABDM.
▪ Central Sector Scheme ▪ Under ABDM, over 332 million
▪ Financial Outlay - ₹1,600 crore for 5 years unique patient IDs (ABHA IDs)
have been created.
▪ Aim – To develop the backbone necessary to support the integrated digital
health infrastructure of the country
▪ Key building blocks:
o ABHA (Ayushman Bharat Health Account) numbers, to which
digital health records can be linked
o Healthcare Professionals Registry (HPR)
o Health Facility Registry (HFR)
o Health Information Exchange & Consent Manager (HIE-CM)
▪ Comes under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
▪ Health ID card will store all medical details of person including
prescriptions, treatment, diagnostic reports etc.
▪ Health ID is a randomly generated 14 digit number
Ministry of Development of North Eastern Region (DoNER)
Prime Minister’s Development Initiative for North East Region (PM-DevINE)
▪ Ministry of Development of North Eastern Region (DoNER) recently.
▪ Implemented by Ministry of DoNER through North Eastern Council or
Central Ministries/agencies
▪ Objective – Fund infrastructure convergently, in the spirit of PM Gati Shakti,
Support social development projects based on felt needs of the NER
▪ Financial outlay - ₹6,600 crore
▪ Tenure – 2022-23 to 2025-26 (remaining four years of the 15th Finance
Commission)
▪ Creation of infrastructure, support industries, social development projects,
create livelihood activities for youth and women
▪ It will also provide an end-to-end development solution instead of isolated
projects
▪ It will be ensured that there is no duplication of project support under PM-
DevINE with any of the other schemes of Ministry of DoNER or those of any
other Ministry/Department
▪ Projects would be implemented on Engineering-Procurement-Construction
(EPC) basis
North East Special Infrastructure Development Scheme (NESIDS)
▪ Launch year – 2017 ▪ The scheme was in news
▪ Ministry of Development of North East Region recently.
▪ Objective - To ensure focused development of North East Region by
providing financial assistance for projects of physical infrastructure and
social sector
▪ The Non-Lapsable Central Pool of Resources (NLCPR) scheme of the
Ministry of DoNER was discontinued in 2017 and replaced with NESIDS
31 | P a g e
▪ It will be over and above the existing schemes of Government of India and
State Governments of the NE Region
Ministry of Housing and Urban Affairs
Pradhan Mantri Street Vendor’s Atmanirbhar Nidhi (PM-SVANIDHI)
▪ Launch Year – 2020 ▪ 42.7 lakh loans amounting to
▪ Ministry of Housing and Urban Affairs ₹5,152.37 crore have been
disbursed to 34.47 lakh street
▪ Implementing Agency – Small Industries Development Bank of India (SIDBI)
vendors under PM SVANidhi
▪ Aim – To benefit over 50 lakh Street Vendors scheme.
▪ Central Sector Scheme ▪ 3.98 lakh loans (9.3%) provided
▪ Tenure – June 2020 – Dec 2024 to minority street vendors.
▪ Target Beneficiaries – All street vendors in urban areas and surrounding
semi-urban areas and rural areas as on or before March 24, 2020
▪ Collateral free working capital loan up to ₹10,000, Enhanced loan of
₹20,000 & ₹50,000 in the 2nd and 3rd tranches respectively, on repayment
of earlier loans
▪ Incentivize regular repayment, through interest subsidy @ 7% per annum
▪ Reward digital transactions, by way of cash back up to ₹1,200 per year
▪ No penalty on early repayment of loan
▪ SVANidhi Se Samriddhi – Launched in January 2021 to map the socio-
economic profile of the PM SVANidhi beneficiaries and their families
Atal Mission for Rejuvenation and Urban Transformation (AMRUT) 2.0
▪ Ministry of Housing and Urban Affairs (MoHUA) recently.
▪ Aim – To make around 4,700 towns/cities ‘water secure’
▪ Tenure – 2021-22 to 2025-26
▪ Financial Outlay - ₹2,99,000 crore (central share - ₹76,760 crore)
▪ Cities having million plus population are mandated to take up PPP projects
worth minimum 10% of their fund allocation on Annuity/ Hybrid Annuity /
BOT Model
▪ Promote circular economy of water through formulation of City Water
Balance Plan for each city
Pradhan Mantri Awas Yojana Urban (PMAY-U)
▪ Launch Year – 2015 ▪ Under PMAY-U, more than 1.20
▪ Ministry of Housing and Urban Affairs crore houses have been
sanctioned
▪ Aim – To Achieve housing for all by December 2024
▪ Coverage – All 4041 statutory towns as per Census 2011 with focus on 500
Class I cities
▪ Implemented as a Centrally Sponsored Scheme except for the Credit Linked
Subsidy component which is a Central Sector Scheme
▪ Target Beneficiaries -
o Economically weaker section (EWS) – Upto ₹3 Lakh
o Middle-Income Groups (MIGs) - ₹6-18 Lakh
o Low-income groups (LIGs) - ₹3-6 Lakh
o Beneficiary family should not own a pucca house
o Married couple will be eligible for a single subsidy
o Low-Beneficiary family have not availed of central
assistance/benefit under any housing scheme groups (LIGs)
32 | P a g e
▪ Components –
o In-Situ Rehabilitation of Slum Dwellers: Central grant of Rs 1 lakh
per house
o Affordable Housing in Partnership
o Credit Linked Subsidy Scheme
o Beneficiary-led Individual House Construction/ Enhancement
(BLC-N/ BLC-E)
Swachh Bharat Mission – Urban (SBM-U) 2.0
▪ Launch Year – 2021 ▪ SBM-U 2.0 launched flagship
▪ Ministry of Housing and Urban Affairs (MoHUA) newsletter Swachh Vaarta with
to showcase journey of garbage-
▪ Aim – To make the cities completely free of garbage
free cities.
▪ Centrally Sponsored Scheme ▪ 2nd edition of Swachh Vaarta
▪ Tenure – From 2021-22 till 2025-26 captures Million Plus City
▪ Financial outlay - ₹1,41,600 crores, including central share of ₹36,465 Initiative.
crores
▪ Coverage – All statutory towns in India
▪ Ensuring complete access to sanitation facilities to serve additional
populations migrating from rural to urban areas
▪ Complete liquid waste management in cities with less than 1 lakh population
▪ Construction of over 3.5 lakhs individual, community and public toilets
Ministry of Textiles
Pradhan Mantri Mega Integrated Textile Region and Apparel (PM MITRA) Scheme
▪ Launch Year – 2021 ▪ Government has finalized 7 sites
▪ Ministry of Textiles under scheme.
▪ Objective – Creating world-class industrial infrastructure that would attract
large scale investment including foreign direct investment (FDI) and
encourage innovation and job creation within the sector
▪ Financial Outlay - ₹4,445 crore for 2021-22 to 2027-28
Incentive –
▪ Development Capital Support (DCS) for creation of Core Infrastructure –
o Greenfield Park: support will be 30% of Project Cost, with a cap
of ₹ 500 Crore per Park
o Brownfield Park: 30% of project cost, with a cap of ₹200 Crore
per Park
o Developer will get a 25-year lease of the park
▪ Competitiveness Incentive Support (CIS) –
o ₹300 Crore per park to ‘investors’ setting up production
facilities to incentivize manufacturing units to get established
▪ 7 PM MITRA Parks will be setup at Greenfield or Brownfield sites and the
sites will be selected by a challenge mode
o 7 Finalised sites – Tamil Nadu (Virudhnagar), Telangana
(Warangal), Gujarat (Navsari), Karnataka (Kalburgi), Madhya
Pradesh (Dhar), Uttar Pradesh (Lucknow/Hardoi) and
Maharashtra (Amrawati)
▪ First PM MITRA Park to be established in Virudhunagar District of Tamil
Nadu
▪ These Parks will be developed by a Special Purpose Vehicle which will be
owned by State Government (51%) and Government of India (49%) in a
Public Private Partnership (PPP) Mode
Production Linked Incentive (PLI) Scheme for Textiles
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▪ Launch Year – 2021 ▪ Government has approved 64
▪ Ministry of Textiles applications out of 67
applications received with the
▪ Aim – To promote production of high value Man-Made Fibre (MMF) fabrics,
proposed total investment of
garments and technical textiles
₹19,798 crore.
▪ Financial Allocation - ₹10,683 crore for production over a span of 5 years
from FY 2025-26 to FY 2029-30 on incremental turnover achieved during
FY 2024-25 to FY 2028-29
▪ Eligibility Criteria
o Any person or company willing to invest minimum ₹300 crore in
plant, machinery, equipment and civil works to produce
products of MMF fabrics, garments and products of technical
textiles
o Investors willing to spend a minimum of ₹100 crore for same
conditions (as in the case of the first part) shall be eligible to
apply for 2nd part of scheme
▪ Companies investing over ₹300 crore in plant, machinery, equipment and
civil works will get an incentive of 15% of their turnover, which needs to be
₹600 crore in the third year
▪ Companies investing between ₹100 crore and ₹300 crore are eligible to
receive duty refunds and incentives of 11% of their turnover after achieving
double turnover than invested by 3rd year
SAMARTH- Capacity Building in Textile Sector including Handlooms
▪ Launch Year – 2017 ▪ 1.50 lakh persons imparted skill
▪ Ministry of Textiles (70% employed) under the
Scheme.
▪ Objective – Promote skilling and skill upgradation in traditional sectors of
handlooms, handicrafts, sericulture and jute
▪ Tenure – Till March 2024
▪ Target – To train 10 lakh persons (9 lakhs in 34tilizati & 1 lakh in traditional
sector
▪ Caters to all sections of the society including SC, ST and other marginalized
categories
▪ Comprise entry level skilling (Fresh workers) and Upskilling (existing
worker)
▪ Mandatory placement of trainees – 70% for entry level & 90% for upskilling
under organized sector
▪ For self 34tilizatio, concessional credit under Pradhan Mantri MUDRA
Yojana to be provided for beneficiaries
▪ In addition to domain specific hard skills, the program shall also provide 30
hours of soft skills
Weaver MUDRA /Concessional Credit Scheme
▪ Ministry of Textiles ▪ The scheme was in news
▪ Eligibility – recently.
o Individual Handloom Weavers/ Weaver
o Entrepreneurs/Self Help Groups/Joint Liability Groups
o Handloom Producer Companies/ Handloom organizations
▪ Subsidized loans at concessional interest rate of 6% for a period of 3 years
▪ Extent of Loan - Need based limit, max. ₹5.00 lakh
▪ Handloom Weaver MUDRA Portal developed in association with Punjab
National Bank
Ministry of Petroleum and Natural Gas
Pradhan Mantri Ujjwala Yojana (PMUY)
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▪ Launch Year – 2016 ▪ The Cabinet Committee on
▪ Ministry of Petroleum and Natural Gas Economic Affairs has approved a
subsidy of ₹200 per 14.2 kg
▪ Aim – To safeguard the health of women & children by providing them clean
cylinder for up to 12 refills per
cooking fuel i.e. liquefied petroleum gas (LPG)
year to be provided to the
▪ Central Sector Scheme beneficiaries.
Target ▪ The total expenditure will be
▪ Initially – 5 crore connections (allocation of Rs 8000 crore) over a period of ₹6,100 crore for financial year
3 years 2022-23 and ₹7,680 crore for
2023-24.
▪ Later – expanded to provide 8 crore LPG connections to poor families by
March 2020 (achieved by 7th September, 2019 in Aurangabad, Maharashtra)
▪ PMUY 2.0 to provide additional 1.6 crore LPG connections with special
facility to migrant households
Eligibility
• Connections issued in the name of the women heads of households
• Household with no adult female member is not eligible
• Identification with the help of Socio Economic & Caste Census (SECC)
-2011
• The scheme was expanded in April 2018 to include women beneficiaries
from 7 more categories apart from Socio Economic & Caste Census
(SECC) -2011
• In December 2018, extended to all poor households not having LPG
connection
• PMUY 2.0 focuses on those low-income families which have not been
covered in earlier phases
o Applicant (woman only) above 18 years of age
o Migrants not required to submit ration cards or address proof, a
self-declaration for both ‘family declaration’ and as a ‘proof of
address’ will suffice
Benefits –
• Financial support of - ₹1600 (for a connection 14.2kg cylinder/ ₹1150
for a 5 kg cylinder) for each cooking gas connection to eligible
households
• PMUY 2.0 provides for deposit free LPG connection along with free first
refill and hotplate to the beneficiaries
Sustainable Alternative Towards Affordable Transportation
▪ Launch Year – 2018 ▪ Current annual ethanol
▪ Ministry of Petroleum & Natural Gas production capacity in country is
approximately 1037 crore litres.
▪ Aim – Setting up 5,000 CBG plants by 2023-24 with a production target of
15 million tonnes
▪ To boost the availability of more affordable transport fuels, better use of
agricultural residue, cattle dung and municipal solid waste
▪ Launched by Ministry of Petroleum & Natural Gas in association with PSU
Oil Marketing Companies (OMC)
▪ Compressed Bio-Gas (CBS) plants are proposed to be set up mainly
through independent entrepreneurs
Ministry of Agriculture and Farmers Welfare
Formation and Promotion of 10,000 FPOs
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▪ Launch Year – 2020 ▪ 1100 New Farmer Producer
▪ Ministry of Agriculture and Farmers Welfare Organizations (FPOs) to be
formed in Cooperative Sector to
▪ Aim - To provide supportive ecosystem to form new 10,000 FPOs in 5 years
realize the Prime Minister’s vision
(2019-20 to 2023-24)
of “Sahkar se Samriddhi”.
▪ Cluster Based Business Organization (CBBOs) will provide initial training to
FPOs for 5 years.
▪ Department of Agriculture and Farmers Welfare (DA&FW) allocate
Cluster/States to Implementing Agencies which in turn will form CBBOs in
States.
▪ Financial Assistance to FPOs - ₹33 lakh
▪ Financial assistance of ₹25 lakhs per FPO is provided to CBBO
▪ Credit Guarantee Fund of ₹1,500.00 crore
National Mission on Natural Farming (NMNF)
▪ Launch (financial year) – 2023-24 ▪ Government has formulated
▪ Ministry of Agriculture and Farmers Welfare National Mission on Natural
Farming (NMNF) as a separate
▪ Aim - Promoting traditional indigenous practices which reduces externally
and independent scheme from
purchased inputs
2023-24.
▪ Total Outlay - ₹1584 crore (Government of India Share)
▪ Target - Cover 7.5 lakh ha area by developing 15,000 clusters in next 4
years
▪ Bhartiya Prakratik Krishi Paddhati (BPKP) up-scaled as National Mission
on Natural Farming (NMNF)/(Bhartiya Prakratik Krishi Paddhati) for
implementation all across the country
o BPKP was sub-scheme of Paramparagat Krishi Vikas Yojana
(PKVY) since 2019-20
▪ Demand driven programme and states shall prepare a long-term
perspective plan with year-wise targets and goals
▪ Area falling under the 5 km corridor on either side of river Ganga will be
accorded highest priority
▪ Only the Gram Panchayat/ villages having minimum of 1 practicing natural
farmers be selected for roll out of natural farming cluster
▪ Natural Farming cluster -
o 50 farmers or more covering 50 ha area
o If farmers are offering less than 1 ha then more number of
farmers can be included
o 1 cluster can be in 1 village or in nearby 2-3 villages belonging
to the same Gram Panchayat
o At the discretion of the state 10-20 clusters in nearby area can
be federated into a FPO (from 2nd or 3rd year onwards)
▪ Financial assistance of ₹15000/- per ha ₹5000/- per ha/year for 3 years
will be provided to the farmers as DBT as assistance for creation of on-farm
input production infrastructure
Promotion Of Agricultural Mechanization for In-Situ Management Of Crop Residue
▪ Launch - 2018-19 ▪ The scheme was in news
▪ Ministry of Agriculture & Farmers Welfare recently.
▪ Objective - Protecting environment from air pollution and preventing loss
of nutrients and soil micro-organisms caused by burning of crop residue
▪ Major Components –
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o Establish Farm Machinery Banks or Custom Hiring Centres of
crop residue management machinery
o Procurement of Agriculture Machinery and Equipment for crop
residue management
o Information, Education and Communication for awareness on
crop residue management
▪ Special scheme to support efforts of Governments of Punjab, Haryana and
Uttar Pradesh and NCT of Delhi to address air pollution
Kisan Credit Card (KCC) Scheme
▪ Nodal Agency – National Bank for Agriculture and Rural Development recently.
(NABARD)
▪ Implementing Agencies – All Co-operative banks, Regional Rural Banks,
Scheduled Commercial Banks, Small Finance Banks
▪ Aim – To provide timely and adequate credit to farmers to meet their needs
Eligibility –
▪ Age – 18 to 75 years
▪ For senior citizen (>60 years), a co-borrower (legal heir) is mandatory
▪ All farmers: individual/joint cultivator, owner, tenant farmer, and
sharecroppers
▪ Loan is available to anyone engaged in agriculture, allied activities or other
non-farming activities, Animal Husbandry and Fisheries sector
▪ SHGs or joint liability groups including tenant farmers
Benefits –
▪ Loan of up to ₹3 lakh for a period of up to 3 years
▪ Insurance coverage: up to ₹50,000 (permanent disability or death) &
₹25,000 (other risks)
▪ No collateral required for loans amounting up to Rs. 1.60 lakh
▪ Covers – Short term credit requirements for cultivation of crops, Post-
harvest expenses, Produce marketing loan, Consumption requirements of
farmer household, Working capital for maintenance of farm assets and
activities allied to agriculture, Investment credit requirement for agriculture
and allied activities
Pradhan Mantri Fasal Bima Yojana (PMFBY)
▪ Launch Year – 2016 ▪ Karnataka has bagged the
▪ Ministry of Agriculture and Farmer Welfare national award for the best
implementation of PMFBY for the
▪ Objective – Provide financial support to farmers suffering crop loss/damage
year 2022-23.
due to unforeseen events
▪ Puducherry has secured the top
▪ Centrally Sponsored Scheme rank in the smaller States
▪ Beneficiaries – category.
o All farmers including sharecroppers and tenant farmers growing ▪ National Crop Insurance Portal’s
notified crops in a notified area during the season who have digitized claim settlement
insurable interest in the crop module namely DigiClaim under
the ambit of PMFBY was
o Voluntary for all farmers (from Kharif 2020), including loanee
launched.
farmers
▪ Replaced the National Agricultural Insurance Scheme (NAIS) and
Modified NAIS
▪ Recently (March 2023) National Crop Insurance Portal’s digitized claim
settlement module DigiClaim launched
▪ Uniform premium
o 2% for Kharif Crops
o 1.5% for Rabi Crops
37 | P a g e
o 5% for commercial and Horticulture crops
▪ Insurance coverage against crop loss—> pre-harvest + post-harvest
(Upto 14 days) + in case farmer didn’t sow seed because of contingency
(25% of sum insured)
▪ Risks covered –
o Loss / damage resulting from occurrence of identified localized
risks like cloud burst and natural fire, cyclone, typhoon etc
o Add on coverage for crop loss due to attack of wild animals on
pilot basis
▪ General Exclusions – Losses arising out of war and nuclear risks, malicious
damage
Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)
▪ Launch Year – 2015 ▪ In 2022-23, of the 210 million
▪ Ministry of Agriculture and Farmers Welfare hectares of gross sown area,
about 115 million hectares, or
▪ Tenure – Extended till 2026
nearly 55%, had irrigation
▪ Financial Outlay - ₹93,068 crore access, up from 47.8% in 2013-
▪ Objective – Enhance cultivable area under assured irrigation (Har Khet ko 14, according to NITI Aayog
Pani) ▪ Since the inception of PMKSY in
▪ Centrally Sponsored Scheme July 2015, cultivated area under
irrigation has been increasing by
▪ Components –
1% each year.
o Accelerated Irrigation Benefits Programme (AIBP)
o PMKSY – Har Khet Ko Pani (HKKP)
o PMKSY- Watershed Development Component (WDC)
▪ Merged Schemes –
o Accelerated Irrigation Benefit Programme (AIBP)
o Integrated Watershed Management Programme (IWMP)
o On Farm Water Management (OFWM)
▪ PMKSY-HKKP is applicable only in areas having –
o Stage of ground water development less than 60%
o Average rainfall more than 750 mm
o Shallow ground water levels (less than 15 m bgl)
Paramparagat Krishi Vikas Yojana
▪ Launch Year – 2015 ▪ Since 2015-16, an area of 11.85
▪ Ministry of Agriculture and Farmers Welfare lakh ha has been brought under
organic farming through PKVY
scheme.
▪ Objective – Promote organic farming ▪ Government also intends to
▪ Components – another 6.00 lakh ha areato
o Model Organic Cluster Demonstrations organic through PKVY during the
period from 2022-23 to 2025-26.
o Model Organic Farm
▪ PKVY is being implemented in all
▪ Sub-component of Soil Health Management (SHM) scheme under National the States other than North
Mission of Sustainable Agriculture (NMSA) Eastern States, across the
▪ 50 or more farmers will form a cluster having 50-acre land to take up the country.
organic farming
▪ Financial assistance of ₹50,000 per hectare for 3 years for purpose of
organic farming
▪ No liability on the farmers for expenditure on certification
Mission Organic Value Chain Development for North Eastern Region (MOVCDNER)
▪ Ministry of Agriculture and Farmers Welfare
38 | P a g e
▪ Aim – To create at least one or two replicable end-to-end organic value
chain models
▪ Sub-mission under National Mission for Sustainable Agriculture (NMSA)
▪ Commodity specific commercial organic value chain to be developed under
integrated and concentrated approach with end-to-end facilities
▪ Implemented only in N-E States
▪ Financial assistance @ ₹32500/ ha for 3 years is provided to farmers for
on- farm /off –farm organic inputs
Agriculture Infrastructure Fund (AIF) Scheme
▪ Other Name – National Agricultural Infra Financing Facility ▪ Total projects (1987) sanctioned
▪ Launch Year – 2020 under the scheme worth ₹549
crores.
▪ Ministry of Agriculture and Farmers Welfare
▪ Aim – To provide medium-long term debt-financing facility for investment
in viable projects
▪ Tenure – Till 2032-33 ( 13 years)
▪ Total Budget - ₹1 Lakh Crore
▪ Funds will be provided for setting up of –
o Community Farming Assests
o Post-Harvest Management Infrastructure
▪ Interest Subvention on Loans –
o 3% per annum up to a limit of ₹2 crore
o In case loan is beyond ₹2 crores – interest subvention limited
up to ₹2 crores
o Available for a maximum period of 7 years
▪ Moratorium Period –
o Minimum – 6 months
o Maximum – 2 years
▪ Period of financial facility – upto 2025-26 (6 years)
Pradhan Mantri Kisan Samman Nidhi (PM KISAN)
▪ Launch Year – 2019 (Effective from 2018) ▪ The GoI has disbursed over Rs
▪ Ministry of Agriculture & Farmer’s Welfare 2.24 Lakh Crores to Indian
Farmers and their families.
▪ Aim – To provide income support to all eligible land-holding farmers and
▪ Prime Minister transferred the
their families
13th installment of about ₹16,800
▪ Central Sector Scheme crore under the scheme.
▪ Eligibility –
o All farmer families in the country irrespective of the size of their
landholdings (both urban and rural- agriculture cultivating lands
only)
▪ Exclusions –
o Institutional landholders
o Present or retired employees of state/central government/PSUs
o Income tax payee
o Farmer families holding constitutional posts
o Professionals like doctors, engineers and lawyers
▪ Retired pensioners with a monthly pension of over ₹10,000
▪ ₹6000 per year directly to bank account - ₹2,000 every four months
▪ Tenant farmers are not eligible
39 | P a g e
Mission for Integrated Development of Horticulture (MIDH)
▪ Ministry of Agriculture and Farmers' Welfare recently.
▪ Aim - Holistic growth of the horticulture sector
▪ Sub-scheme of Green Revolution - Krishonnati Yojana
▪ Financial assistance @ 35% of the project cost in general areas and 50% in
case of hilly and scheduled areas per beneficiary is available
▪ Sub-schemes/Missions –
o National Horticulture Mission (NHM)
o Horticulture Mission for North East and Himalayan States
(HMNEH)
o National Horticulture Board (NHB)
o Coconut Development Board (CDB)
o Central Institute of Horticulture (CIH), Nagaland
Ministry of Fisheries, Animal Husbandry & Dairying
Pradhan Mantri Matsya Sampada Yojana (PMMSY)
▪ Launch Year – 2020 ▪ Inland fisheries and aquaculture
▪ Ministry of Fisheries, Animal Husbandry & Dairying have contributed 74.59% of the
total fish production of India
▪ Objective - Harnessing of fisheries potential, Enhancing of fish production
during 2021-22.
and productivity and increasing contribution of fisheries sector to
▪ Fish production in the country
Agriculture GVA - 9% by 2024-25.
reached an all-time high at
▪ Financial Outlay - ₹20,050 crore 162.48 lakh tonne in 2021-22.
▪ Tenure - FY 2020-21 to FY 2024-25
▪ Intended Beneficiaries –
o Fishers, Fish farmers, Fish workers, Fish vendors
o Fisheries cooperatives/Federations, FFPOs, Fisheries
Development corporations
o SCs/STs/Women/Differently abled persons
o Self Help Groups (SHGs)/ Joint Liability Groups (JLGs) and
Individual Entrepreneurs
▪ Focus Areas –
o Coldwater fisheries development and expansion of Aquaculture
in Brackish Water and Saline Areas
o Fishing Harbours and Landing Centers, Post-harvest and Cold
Chain Infrastructure etc
o Attention for fisheries development in Jammu and Kashmir,
Ladakh, Islands, Northeast, and Aspirational Districts
▪ Insurance Coverage
o Group Accident Insurance Scheme (GAIS)
o For fishing vessel
▪ Government of India provides livelihood and Nutritional support for socio-
economically backward active traditional fisher’s families during fishing
ban/lean period for 3 months annually.
▪ Facility of Kisan Credit Card (KCC) extended.
Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PMMKSSY)
▪ Ministry of Fisheries, Animal Husbandry & Dairying recently.
▪ Central Sector Sub-scheme
40 | P a g e
▪ Objective – To further enhance the earnings and incomes of fishermen, fish
vendors and micro & small enterprises engaged in fisheries sector
▪ Sub-scheme of PM Matsya Sampada Yojana
▪ Focussed intervention to bring about formalization of the fisheries sector
▪ Incentivizing microenterprises to work on value-chain efficiencies and to
establish supply chains for delivery of safe fish products to consumers-
thereby expanding the domestic market
▪ Incentives for creation and maintenance of jobs for women in the sector.
Fisheries and Aquaculture Infrastructure Development Fund (FIDF)
▪ Launch Year – 2018 ▪ India stands third in world in
▪ Ministry of Fisheries, Animal Husbandry and Dairying terms of fish production.
▪ Implementing Agency – National Fisheries Development Board
(Hyderabad) under Department of Fisheries
▪ Tenure – 2018-19 to 2022-23
▪ Estimated fund size - ₹7,522.48 crore
▪ Aim – To provide concessional finance for development of identified
fisheries infrastructure facilities
▪ Target – Growth of 8-9% to achieve fish production of 20 million tonnes by
2022-23
▪ Creation of fisheries infrastructure facilities both in marine and inland
fisheries sectors
▪ Maximum repayment period – 12 years (inclusive of moratorium of 2 years
Ministry of Women and Child Development
Mission Saksham Anganwadi and Poshan 2.0
▪ Launch Year – 2021 ▪ Poshan Bhi, Padhai Bhi, an Early
▪ Ministry of Women and Child Development Childhood Care and Education
program under Mission Saksham
▪ Vision – Address the challenging situation of malnutrition among children
Anganwadi and Poshan 2.0
up to age of 6 years, adolescent girls (14-18 years) and pregnant and
launched.
lactating women
▪ Focus on holistic development of
▪ Centrally Sponsored Scheme children under age of 6 years.
▪ Tenure – 2021-22 to 2025-26 ▪ Ministry of Ayush has developed
▪ Announced in Union Budget 2021-22 by merging supplementary nutrition four yoga modules for the
programmes and POSHAN Abhiyaan beneficiaries of Anganwadi
Services-
▪ Schemes covered –
o age 3 to 6 years
o Anganwadi Services – Beneficiaries are Children upto the age o for adolescent girls
of 6 years, Pregnant Women and Lactating Mothers (PW&LM) o for pregnant ladies
and Adolescent Girls (14-18 years) in Aspirational Districts and o for lactating mothers
North Eastern States
o Poshan Abhiyaan
o Scheme for Adolescent Girls – Revised and targeted
beneficiaries have been revised to Adolescent Girls in age group
of 14 to 18 years in Aspirational Districts of States including
Assam and North Eastern States
▪ Prioritizing 112 aspirational districts
Sukanya Samriddhi Yojana
▪ Launch Year – 2015 ▪ Prime Minister congratulated
▪ Ministry of Women and Child Development India post for opening more than
10 lakh Sukanya Samridhi
▪ Aim – To ensure a bright future for the girl children by facilitating their
Account across country in 2-
education and marriage expenses
days.
41 | P a g e
▪ Sukanya Samriddhi account can be opened up to age of 10 years only ▪ In the last eight years, a total of
from the date of birth 2.7 crore accounts have been
o only one account per girl child opened.
▪ Minimum amount that can be deposited in a year: ₹250, Maximum limit is
₹1.5 lakh
▪ Deposits can be made till the completion of 15 years (from the date of
opening of account)
▪ Account will be valid for 21 years from the date of opening, after which it
will mature, and the money will be paid to the girl child
▪ Account will automatically close if girl child gets married before completion
of tenure of 21 years
Mission Vatsalya
▪ Ministry of Women and Child Development ▪ The scheme was in news
▪ Centrally Sponsored Scheme recently.
▪ Objective – To secure a healthy and happy childhood for every child in the
country
▪ Total financial implication of ₹10916 Crore
▪ Integrated Child Protection Scheme (implemented since 2009-10) renamed
as Child Protection Services (CPS) Scheme in 2017, and further renamed
as Mission Vatsalya in 2021-22
▪ Quantum of sponsorship of ₹4000/- per child per month is available for
Non-institutional Care of children in Need of Care and Protection
▪ Provision for maintenance grant of ₹3000/- per child per month for
children living in Child Care Institution
POSHAN (PM’s Overarching Scheme for Holistic Nourishment) Abhiyaan
▪ Launch Year – 2018 ▪ The POSHAN Abhiyaan has been
▪ Ministry of Women and Child Development rolled out in all the 36
States/UTs.
▪ Aim – To improve nutritional outcomes for children (0-6 years), Adolescent
Girls, pregnant women and lactating mothers
▪ Target – To reduce stunting in children (0-6 years of age) from 38.4% to
25% by 2022
▪ National Nutrition Mission was set up in 2017 which was later restrcutred
and renamed as POSHAN Abhiyaan
▪ Goals and the target groups –
o Prevent and reduce Stunting in children (0- 6 years) – By 6% @
2% p.a.
o Prevent and reduce under-nutrition (underweight prevalence) in
children (0-6 years) – By 6% @ 2% p.a.
o Reduce the prevalence of anaemia among young Children (6-59
months) – By 9% @ 3% p.a.
o Reduce the prevalence of anaemia among Women and
Adolescent Girls in the age group of 15-49 years - By 9% @ 3%
p.a.
o Reduce Low Birth Weight (LBW) – By 6% @ 2% p.a
▪ Part of Saksham anganwadi and Poshan 2.0
Mission Shakti
▪ Approved as Umbrella Scheme in - 2021-22 ▪ The scheme was in news
▪ Ministry of Women and Child Development recently.
▪ Tenure - 2021-22 to 2025-26
▪ Financial Outlay - ₹20,989 crores
▪ Central Sponsored Scheme
42 | P a g e
▪ Envisages a unified citizen-centric lifecycle support for women
▪ Nari Adalats - to promote and facilitate alternative dispute resolution and
gender justice in society and within families
Sub – Schemes –
▪ Sambal - For safety and security of women
o One Stop Centres (OSC), Women Helplines (181-WHL), Beti
Bachao Beti Padhao (BBBP), Nari Adalat
▪ Samarthya - For empowerment of women
o Shakti Sadan, Working Women Hostel (Sakhi Niwas)
o National Creche Scheme for children of working mothers and
Pradhan Mantri Matru VandanaYojana (PMMVY) subsumed
o Hub for Empowerment of Women (HEW)
Pradhan Mantri Matru Vandana Yojana (PMMVY)
▪ Restructured as Pradhan Mantri Matru Vandana Yojana in 2017 ▪ The Budget Estimates (BE) for
▪ Ministry of Women and Child Development the financial year 2023-24 for
Mission Shakti including PMMVY
▪ Objective – Providing partial compensation for the wage loss in terms of
component, is ₹3143.96 crore.
cash incentives
▪ Target Beneficiaries –
o Pregnant Women & Lactating Mothers (excluding those in
regular employment with Central Govt/ State Govt/ PSUs or
those who have received similar benefits earlier
▪ Case of Miscarriage/Still Birth –
o A beneficiary is eligible to receive benefits only once
o Can claim remaining instalment(s) in event of future pregnancy
▪ PMMVY has been revamped and included as a sub-scheme under Mission
Shakti
▪ Envisages payment of maternity benefits of ₹5,000
▪ Maternity benefit of ₹6,000 is also to be provided for the second child (only
girl child)
Ministry of Statistics and Programme Implementation (MoSPI)

Member of Parliament Local Area Development Scheme (MPLADS)
▪ Launch Year – 1993 ▪ In FY23, Gujarat had the highest
▪ Ministry of Statistics and Programme Implementation (MoSPI) utilization-to-released fund ratio
of MPLADS funds.
▪ Aim – To provide a mechanism for the Members of Parliament (MPs) to
▪ Uttar Pradesh received ₹427.5
recommend works of developmental nature for creation of durable
crore i.e., highest amount among
community assets
states.
▪ Central Sector Scheme ▪ Recently, revised guidelines on
▪ Nodal District Authority – Inspect at least 10% of the works under MPLADS, 2023 have been
implementation every year released along with new Web
▪ Revised guidelines of scheme and the web portal will come into effect Portal for implementation of the
from - 1st April 2023 Revised Fund Flow Procedure
under MPLADS.
▪ Revised rules will enable MPs to recommend developmental works as per
requirement of their constituency
▪ MPs are to recommend every year, works costing at least 15% of the
MPLADS entitlement for the year for areas inhabited by SC and 7.5% for
areas inhabited by ST population
▪ Annual MPLADS fund entitlement per MP constituency is ₹5 crore,
released in 2-installments of ₹2.5 crore each
▪ The funds released under the scheme are non-lapsable
Ministry of Social Justice and Empowerment
43 | P a g e
Pradhan Mantri Anusuchit Jati Abhyuday Yojana (PM – AJAY)
▪ Ministry of Social Justice and Empowerment ▪ Selection criteria for villages
▪ Tenure – Till 2026 revised in 2022-23 from ‘more
than 50%’ SC population to ‘more
▪ Centrally Sponsored
than 40%.
▪ Objective – To reduce poverty of SC communities by generation of
additional employment opportunities through skill development, income
generating schemes and other initiatives
o Scheduled Castes (SC) persons living below poverty lines
o Villages having 40% (revised in 2022-23 from ‘more than
50%’) or more SC population are eligible for grants for
Infrastructure Development
▪ Schemes Merged under PM-AJAY –
o Special Central Assistance to Scheduled Castes Sub Plan
(SCA to SCSP) (now Grant in Aid Component
o Pradhan Mantri Adarsh Gram Yojana (PMAGY)
o Babu Jagjivan Ram Chhatrawas Yojana (BJRCY)
▪ Components
o Adarsh Gram
o Administration, Monitoring and Evaluation
o Construction/Repair of Hostels
o Grants-in-aids for the Projects at District/State
▪ Implemented in 28 States/Uts except
o States: Arunachal Pradesh, Nagaland, Meghalaya & Mizoram
o Uts: A & N Islands, Dadra Nagar Haveli, Daman & Diu, Ladakh&
Lakshadweep
Scheme for Economic Empowerment of DNTs, SNTs &NTs (SEED)
▪ Ministry of Social Justice and Empowerment recently.
▪ Implementing Agencies – Development and Welfare Board for DNTs, SNTs
&NTs (DWBDNCs), Ministry of Rural Development, National Rural Livelihood
Mission (NRLM), National Health Authority (NHA)
▪ Aim – To bring De-notified Tribes (DNT), Semi-Nomadic Tribes (SNTs) and
Nomadic Tribes (NTs) into mainstream society
▪ Tenure – Till 2025-26
▪ Financial Outlay - ₹200 crore
▪ Eligibility Criteria – Families having income below Rs 2.50 lakh or less per
annum
▪ Components –
o Education Empowerment
o Health Insurance – Under PM Jan Arogya Yojana
o Livelihoods Facilitation
o Housing – under PM Awas Yojana
Scheme for Residential Education for Students in High Schools in Targeted Areas (SHRESHTA)
▪ Tenure – Till 2025-26
▪ Aim – Providing quality residential education to meritorious SC students in
reputed private schools
44 | P a g e
o SC category
o Family income should not exceed ₹2,50,000 per annum
o Preference to students whose family income is less than
₹1,00,000 and students having physical disability
▪ Each year 3000 students in States/Uts to be selected
▪ Admissions in Class 9 and Class 11 and would be automatically renewed up
to class 12
▪ Grants for tuition fee and residential, subject to a ceiling of
o ₹1,00,000/annum per student – Class 9
SMILE: Support for Marginalised Individuals for Livelihood and Enterprise
▪ Launch Year – 2022 ▪ SMILE does not specifically cover
▪ Ministry for Social Justice & Empowerment persons belonging to Scheduled
Castes.
▪ Ministry of Social Justice and
▪ Total financial outlay - ₹365 Crore (for FY 2021-22 to FY 2025-26) Empowerment has setup 12
Sub – Schemes – Garima Greh in 9 States
▪ Central Sector Scheme for Comprehensive Rehabilitation of persons (Maximum 3 in Maharashtra).
engaged in the act of Begging
▪ Central Sector Scheme for Comprehensive Rehabilitation for Welfare of
Transgender Persons
o Scholarships for Transgender Students studying in Class IX and
till post-graduation to enable them to complete their education
o Provisions for Skill Development and Livelihood under PM-
DAKSH Scheme
o Composite Medical Health, it provides a comprehensive
package in convergence with PM-JAY
o Housing facility in the form of ‘Garima Greh’
o Provision of Transgender Protection Cell in each state
Rashtriya Vayoshri Yojana
▪ Ministry of Social Justice & Empowerment
▪ Implemented by - Artificial Limbs Manufacturing Corporation of India
(ALIMCO)
▪ Objective - To provide aids and assistive living devices to senior citizens
belonging to Below Poverty Line (BPL) category
▪ Funding –
o Funded from the Senior Citizens’ Welfare Fund
o All unclaimed amounts from small savings accounts, PPF and
EPF are transferred to this fund
▪ Target Beneficiaries –
o Senior citizens (aged 60 years or above) of BPL category
o Senior citizens with monthly income not more than ₹15000
▪ 30% of the beneficiaries in each district shall be women
▪ Maximum cost of generic devices will not be exceed ₹15000 per
beneficiary and for special items ₹20000 per beneficiary
National Action for Mechanised Sanitation Ecosystem (NAMASTE)
45 | P a g e
▪ Launch Year – 2022 ▪ The process of extending the
▪ Ministry of Social Justice and Empowerment In collaboration with Scheme to all the Urban Local
Ministry of Housing and Urban Affairs Bodies (ULBs) of the country has
been initiated (initially 500
▪ Implementing Agency – National Safai Karamchari Financial Development
AMRUT Cities were covered).
Corporation (NSKFDC)
▪ Allocated budget for the year
▪ Aim – Ensure sanitation workers’ safety and dignity in urban India 2023-24 is Rs. 97.41 crore.
▪ Tenure – 2022-23 to 2025-26
▪ Financial Outlay - ₹360 Crores
▪ All Urban Local Bodies (ULBs) will be covered in a phased manner
▪ Identifying the Sewer/Septic Tank Workers (SSWs)
▪ Identified SSWs and their families will be covered under the Ayushyaman
Bharat- Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
▪ Social Security Schemes Benefits
▪ Occupational Training and distribution of PPE Kits to SSWs
▪ Livelihood Assistance
Free Coaching Scheme for SC and OBC Students
▪ Revised in - 2022-23 ▪ More than 74 crore spent in the
▪ Ministry of Social Justice & Empowerment last five years under the Central
Sector Scheme of Free Coaching
▪ Objective - Provide coaching of good quality for economically
Scheme (FCS) for SC and OBC
disadvantaged Scheduled Castes (SCs) and Other Backward Classes
students.
(OBCs) candidates to enable them to appear in competitive examinations
▪ Eligibility –
o Students belonging to SCs and OBCs having total family income
from all sources of ₹8.00 lakh per annum or less
o SC/OBC candidates belonging to a Minority community not
eligible
o Students must secure 50% marks in scheme relevant exam
▪ Coverage - 3500 students annually
▪ Ratio of SC and OBC students to be coached - 70:30
▪ 60% of total slots to courses for which qualifying exam is graduation
▪ 40% of total slots to courses for which qualifying exam is Class XII
Post Matric Scholarship Scheme for OBC, EBC and DNTs
▪ Ministry of Social Justice and Empowerment ▪ The scheme was in news
▪ Objective - Provide financial assistance to the Other Backward Class recently.
(OBC), Economically Backward Classes (EBC) and De-Notified, Nomadic &
Semi-Nomadic Tribes (DNT) students studying at post-matriculation or
post-secondary stage
▪ Eligibility –
o Family income from all sources does not exceed ₹2,50,000
o Awarded in State/Union Territory to which the applicant actually
belongs
o Only 2 boys of the same parents/guardian will be entitled to
receive scholarships
▪ Restriction not applicable to girls
▪ Students can pursue any post matric course starting from class 11th and
onwards, with Govt meeting cost of education
Post-Matric Scholarship Scheme for Scheduled Caste Students (PMS-SC)
46 | P a g e
▪ Launch Year - 1944 ▪ The scheme was in news
▪ Objective – To increase the Gross Enrolment Ratio of SC students in higher
education
▪ Eligibility –
o Parent’s/guradian’s income from all sources does not exceed
₹2,50,000 per annum
o Scholarships are available for studies in India only
o Awarded in State/Union Territory to which the applicant actually
belongs
o Indian nationals belonging to SC
▪ Students can pursue any post matric course starting from class 11th and
onwards, with Govt meeting cost of education
National Overseas Scholarship Scheme for SC Students (NOS)
▪ Ministry of Social Justice and Empowerment ▪ The scheme was in news
▪ Central Sector Scheme recently.
▪ Applicable from – 2022-23
▪ Total 125 fresh slots are available each year
o Scheduled Castes (SC) (115)
o Denotified Nomadic and Semi-Nomadic Tribes (6)
o Landless Agricultural Labourers and Traditional Artisans (4)
▪ Eligibility –
o Age not more than 35 years (on 01 April for selection year)
o Family income from all sources should not exceed Rs. 8 lakh per
annum
▪ Duration of assistance – 4 years for Ph.D., 3 years for Master’s Degree
▪ If for any specific year, successful candidates are not available to extent
prescribed for each of the listed categories, awards for that year will
become open for candidates belonging to other categories
▪ 30% of awards for each year shall be earmarked for women candidates
▪ At least 60% marks or equivalent grade in qualifying examination required
▪ Bachelor Level courses in any discipline are not covered
National Overseas Scholarship for Students with Disabilities
▪ Launch – 2014-15 ▪ The scheme was in news
▪ Implementing Agency – Department of Empowerment of Persons with
Disabilities (Divyangjan)
▪ Eligibility –
o Applicable to students with disabilities with more than 40%
disability
o Family income from all sources should not exceed Rs. 8 lakh per
annum
o Age below 35 years as on 1st January of year of application
▪ At least 55% marks or equivalent grade in qualifying examination required
▪ 20 awards per year
▪ Duration of assistance – 4 years for Ph.D., 3 years for Master’s Degree
▪ 30% of slots are reserved for female students
▪ Bachelor Level courses in any discipline are not covered
47 | P a g e
Ministry of Skill Development and Entrepreneurship
National Apprenticeship Promotion Scheme
▪ Ministry of Skill Development and Entrepreneurship recently.
▪ Implementing Agency – Regional Directorates of Apprenticeship Training
▪ Objective - To promote apprenticeship training and to increase the
engagement of apprentices
▪ Stipendiary support of ₹3,054 crore to apprentices for the period from
2021-22 to 2025-26
▪ Eligibility –
o Minimum age of 14 years
o No limit on maximum age
o Aadhar linked bank account mandatory
▪ NAPS has replaced Apprentice Protsahan Yojana (APY)
▪ Covers all categories of apprentices except the Graduate, Technician and
Technician (Vocational) apprentices
▪ Central Government shares 25% of the stipend per month subject to a
maximum of ₹1500 p.m during the period of the apprenticeship
▪ Sharing of basic training cost up to a maximum of ₹7,500 per apprentice for
3 months/500 hours
Skill Acquisition and Knowledge Awareness for Livelihood Promotion (SANKALP)
▪ Launch Year - 2018 ▪ The final 4 batches consisting of
▪ Programme of Ministry of Skill Development with loan assistance from the 98 trainers were certified under
World Bank the SANKALP programme.
▪ Aim - To improve short term skill training qualitatively and quantitatively
through strengthening institutions, bring in better market connectivity and
inclusion of marginalised sections of the society
▪ Tenure till March 2023
▪ 3 key result areas –
o Institutional Strengthening at Central, State and District level
o Quality Assurance of skill development programmes
o Inclusion of marginalized population in skill development
programmes
Ministry of Minority Affairs
Pradhan Mantri Virasat Ka Samvardhan (PM VIKAS)
▪ Implemented from – 2022 ▪ The scheme was in news
▪ Ministry of Minority Affairs recently.
▪ Aim - Socio-economic empowerment of minorities with special emphasis
on artisan communities, women, and youth
▪ Earlier the scheme was known as Pradhan Mantri Kaushal Ko Kaam
Karyakram
▪ At least 33% of the total targets are reserved for women
▪ Sub-schemes –
o USTTAD
o Nai Roshni
o Nai Manzil
o Hamari Dharohar
o Seekho aur Kamao
Pradhan Mantri Jan Vikas Karyakaram (PMJVK)
48 | P a g e
▪ Launched in 2008-09 as Multi-sectoral Development Programme (MsDP) in ▪ A mobile app PMJVK Bhuvan has
90 Minority Concentration Districts been developed for Geo-tagging
▪ Restructured in 2017-18 as PMJVK of all the assets created under
PMJVK.
▪ Ministry of Minority Affairs
▪ Objective - To develop socio economic assets & basic amenities in the
Minority Concentration Areas (MCAs)
▪ Continued for implementation during 15th Finance Commission period
(2021-22 to 2025-26)
▪ Implemented in all Districts of the Country including all Aspirational Districts
▪ No individual beneficiary projects to be considered under the scheme
▪ Priority sectors - Education, Health, Skill Development and Women Centric
Projects
Other Schemes
PM VIshwakarma KAushal Samman (PM VIKAS)
▪ For providing holistic support to the artisans and crafts persons ▪ Announced in Budget 2023-24
▪ A package of assistance for VISHWAKARMA has been conceptualized
▪ To improve the quality, scale and reach of their products, integrating them
with the MSME value chain
▪ Components -
o Knowledge of modern digital techniques and efficient green
technologies
o Financial Support
o Digital Payments and social security
o Access to advanced skill training
o Brand promotion
o Linkage with local and global markets
▪ Benefit the Scheduled Castes, Schedules Tribes, OBCs, women and
people belonging to the weaker sections
Pradhan Mantri PVTG Mission
▪ For the welfare of Particularly Vulnerable Tribal Groups (PVTGs) ▪ Announced in Budget 2023-24
▪ Financial Outlay - ₹15,000 crore for the next 3 years
▪ Implemented under Development Action Plan for the Scheduled Tribes
▪ Will saturate PVTG families and habitations with basic facilities such as -
o Improved access to education, health and nutrition
o Road and telecom connectivity
o safe housing
o Sustainable livelihood opportunities
o Clean drinking water and sanitation
PM Programme for Restoration, Awareness, Nourishment and Amelioration of Mother Earth” (PM-PRANAM)
▪ Objective - To incentivise the States and UTs to promote usage of ▪ Announced in Budget 2023-24
alternative fertilizers and balanced use of chemical fertilizers
Pradhan Mantri Kaushal Vikas Yojana 4.0
▪ To skill lakhs of youth within the next 3 years ▪ Announced in Budget 2023-24
▪ On-job training, industry partnership, and alignment of courses with needs
of industry
▪ Also cover new age courses for Industry 4.0 like coding, AI, robotics,
mechatronics, IOT, 3D printing, drones, and soft skills
49 | P a g e
Nirbhaya Fund Scheme
▪ Setup in – 2013 ▪ The scheme was in news.
▪ Administered by - Department of Economic Affairs
▪ Nodal agency for expenditure from Fund - Ministry of Women and Child
Development
▪ Aim - Enhancing the safety and security for women in the country
▪ Centre gives money to states, to spend it on programs meant for ensuring
women’s safety
▪ Government’s contribution towards the non-lapsable corpus fund - ₹1000
crores
Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP)
▪ 'Jan Aushadhi Scheme' launched in 2008 was revamped as Pradhan Mantri ▪ Ecuador, Panama and Nigeria
Jan Aushadhi Yojana (PMJAY) in 2015 are among countries that are in
▪ Again renamed as Pradhan Mantri Bhartiya Janaushadhi Pariyojana talks with India to make
(PMBJP) affordable generic medicines
available to their citizens through
▪ Ministry of Chemicals and Fertilizers (Department of Pharmaceuticals)
a scheme similar to PMBJP
▪ Implemented by - Pharmaceuticals & Medical Devices Bureau of India ▪ Jan Aushadhi week (1st-7th
(PMBI) March) observed followed by
▪ Aim - To bring down healthcare budget of every Indian citizen by providing Aushadhi Diwas on 7th March,
Quality generic Medicines at Affordable Price 2023.
▪ Target to increase the number of Pradhan Mantri Bhartiya Janaushadhi
Kendras (PMBJKs) to 10,500 by the end of March 2025
▪ Kendra owners are provided sale margin of 20% (excluding taxes)
▪ Incentive to the Kendras owners has been enhanced from ₹2.5 lakhs to ₹5
lakhs, to be given @15% of monthly puchase made, subject to a ceiling of
₹15,000 per month
▪ PMBJP Kendras run by women entrepreneurs, Divyang, SC, & ST gets an
amount of Rs. 2 lakh as special incentive in addition to normal incentives as
applicable
▪ Medicines available under PMBJP are priced 50%-90% less than that of
branded prices
Amrit Bharat Station Scheme
▪ Ministry of Railways recently.
▪ 18 stations of Sonpur Division
▪ Aim - Development & modernization of stations on a continuous basis with
and 20 stations of Samastipur
long term vision
Division have been identified
▪ Scheme envisages to take-up 1275 stations for upgradation/modernisation
▪ High level platforms (760-840 mm) shall be provided at all categories of
stations
▪ Master Plan should have suitable spaces earmarked for 5G towers
PM Sahaj Bijli Har Ghar Scheme (SAUBHAGYA)
▪ Launch Year – 2017 ▪ A total 2.86 crore households
▪ Ministry of Power have been electrified under the
scheme.
▪ Implementing Agency - Rural Electrification Corporation Limited
▪ Aim - To achieve universal household electrification in India
o Rural Areas - All households (both APL and poor families)
o Urban Areas - Only poor families
50 | P a g e
▪ Households for free electricity connections would be identified using SECC
2011 data
▪ Un-electrified households not covered under SECC data can be provided
electricity connections on payment of ₹500
▪ Solar PhotoVoltaic (SPV) based standalone systems for households located
in remote/ difficult areas
Pradhan Mantri Gati Shakti Scheme - National Master Plan
▪ Aim - To ensure integrated planning and implementation of infrastructure
projects
▪ Budget - ₹100 Lakh Crore
▪ Tenure - 4 years
▪ Pillars – Comprehensiveness, Prioritization, Dynamic, Optimization,
Analytical, Synchronization
▪ Subsumed National Infrastructure Pipeline (NIP) initiative
▪ To bring 16 Ministries and 7 core infrastructure sectors together
▪ Multimodal connectivity of various economic hubs with roads, ports and
airports
▪ Plans to establish 11 industrial corridors
Vibrant Villages Programme (VVP)
▪ Approved in 2023 ▪ As the programme has been
▪ Ministry of Home Affairs approved in February 2023,
budgetary allocation could not
be provided for VVP during
▪ Financial Allocation - ₹4800 crores for the Financial Year 2022-23 to Financial Year (FY) 2022-23.
2025-26
▪ Objective – Comprehensive development of villages on northern border
▪ Covers 2967 villages in 46 border blocks of 19 districts in 4 States and 1
UT viz. Arunachal Pradesh, Himachal Pradesh, Sikkim, Uttarakhand and UT
of Ladakh adjoining northern border
▪ 662 villages in the mentioned States/UT have been identified for coverage
on priority
▪ No overlap with Border Area Development Programme (BADP)
▪ Leveraging the tourism potential and sustainable eco-agribusinesses on the
concept of “One village – One product” through community based
organisations.
Broadcasting Infrastructure and Network Development (BIND)
▪ Launch Year – 2023 ▪ The Cabinet Committee on
▪ Ministry of Information and Broadcasting Economic Affairs has approved
the scheme to support Prasar
Bharat, the public broadcaster of
▪ Aim - To provide financial support to Prasar Bharati for enhancing the scope the country, up to 2025-26.
of public broadcasting
▪ Tenure - Up to 2025-26
▪ Financial Outlay - ₹2,539.61 crore
▪ Expansion and upgradation of broadcasting infrastructure
▪ Increase coverage of All India Radio FM transmitters in the country –
o By geographical area - 66% (earlier 59%)
o By population - 80% (earlier 68%)
PM Formalisation of Micro Food Processing Enterprise Scheme (PMFME)
▪ Launch Year – 2020 ▪ Government has started
development of Agriculture
51 | P a g e
▪ Ministry of Food Processing Industries Investment Portal named Krishi
▪ Aim - To provide financial, technical and business support for upgradation Nivesh to boost agriculture
of existing micro food processing enterprises investment in country.
▪ Financial outlay of ₹10,000 crores for coverage of 2,00,000 enterprises
over 5 years
▪ Tenure - 2020-21 to 2024-25
▪ FPOs/SHGs/Producer cooperatives provided with credit-linked grant of
35% (subject to maximum of ₹3 crore) for capital investment
▪ Individual micro food processing units can avail credit-linked capital
subsidy @35% of the eligible project cost
o Maximum ceiling of Rs 10 lakh per unit
o Beneficiary should contribute minimum 10% of the project cost
▪ Nodal bank for implementation - Union Bank of India
Skills Strengthening for Industrial Value Enhancement (STRIVE)
▪ Aim – Improving the relevance and efficiency of skills training provided ▪ The scheme was in news
through Industrial Training Institutes (ITIs) and apprenticeships recently.
▪ World Bank assisted, agreement signed in 2017 between Government of
India and International Bank for Reconstruction and Development (IBRD)
▪ Skilling opportunities to youth including economically disadvantaged/
underserved communities and developing a globall competitive workforce.
▪ 4 primary component –
o Improved Performance of Industrial Training Institutes
o Increased Capacities of State Governments to Support
Industrial Training
o Improved Teaching and Learning
o Improved and Broadened Apprenticeship Training
52 | P a g e

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About Scheme What’s in News?

Reserve Bank of India (RBI)

Prime Minister’s Employment Generation Program (PMEGP)

Saansad Adarsh Gram Yojana(SAGY)

Pradhan Mantri Awas Yojana - Gramin

Ministry of Environment, Forest and Climate Change

Ministry of Statistics and Programme Implementation (MoSPI)

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