POSHAN ABHIYAAN

DARPAN PROJECT

Sovereign Gold Bond (SGB) Scheme...

Ayushman Bharat Yojana...

GRAM SWARAJ ABHIYAAN

E-FRRO SCHEME

FAME-INDIA SCHEME

1. PRADHAN MANTRI JAN DHAN YOJNA (PMJDY)

PMJDY is a National Mission for Financial Inclusion, particularly to provide access to financial
services such as savings and deposit accounts, remittance, credit, insurance, pension, etc. at
affordable rates. The scheme was announced on the eve of Independence Day, in 2014 by Prime
Minister Narendra Modi.

What has changed?

 29.43 crore bank accounts opened so far

 Rs 65, 532.77 crore balance in these accounts
 1.26 lakh Bank Mitras delivering branchless banking services in Sub-Services Areas and
counting
 Nearly 25 crore Jan Dhan accounts in the country, of which nearly 5.8 crore are zero-
balance accounts.
Benefits

 1 lakh accident insurance cover, and Rs. 30,000 life insurance cover for those who opened
bank accounts before January 26th
 4% interest per annum on money deposit
 No criteria for minimum balance
 Money can be transferred to any account in India
 You can get money of government schemes directly in your bank account
 Overdraft facility upto Rs. 5,000 is available after operating bank account for 6 months

2. Sukanya Samriddhi Yojna (SSY)

Narendra Modi launched the Sukanya Samridhi scheme, under the ‘Beti Bacho, Beti Padhao’
campaign on 22nd January 2015. The aim of this scheme is to meet the education and marriage
expenses of a girl child.
What are the features?
  It permits opening of one account per girl child. A family can have a maximum two accounts,
if there are 2 girl children.
 However, a third account can also be opened, provided the first or second delivery results
in twins or triplets
 Minimum Rs. 1,000 and maximum of Rs. 1.5 lakh can be deposited during one financial year
 Deposits in the account can be made until the completion of 14 years, from the date of
opening of the account.
 The account can be closed only when the girl turns 21. If the account is not closed and the
money is not withdrawn even after turning 21, interest can still be earned on the amount
 Birth Certificate must be submitted at the time of opening the account
Benefits

 The account can be opened and operated by a parent or guardian as soon as a girl child
turns 10
 Up to 50% of the balance can be withdrawn to meet educational requirements of the girl
after she turns 18
 Money can be transferred from one authorised bank to another or from post office to any
authorised bank and vice versa
 Offers an interest rate of 8.6% and provides income tax benefits

3. Rajiv Gandhi Jeevandayee Arogya Yojana

Launched as a pilot project in 2012, this scheme is a universal health scheme for the economically
backward in Maharashtra. Anyone holding one of the four cards issued by the Maharashtra
government- Antyodaya card, Annapurna card, yellow ration card or orange ration card is eligible
for this.
Benefits

 It provides free access to medical care in 488 government hospitals

 Free treatment for 971 types of diseases surgeries and therapies
 Free treatment that costs up to Rs 1.5 Lakh, per year, per family (Rs 2.5 Lakhs only for renal
transplants)
What has changed?

 As of 17 January 2016, 7.13 lakh beneficiary families

 11.81 lakh procedures amounting to Rs 1827 crores
 7.27 lakh surgeries and therapies

4. Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY)

Announced by Finance Minister Arun Jaitley during Budget 2015, the uniqueness of the PMJJBY is
that it is a renewable insurance scheme, offering life insurance coverage of Rs. 2 lakhs on death. Two
other schemes – Pradhan Mantri Suraksha Bima Yojana and Atal Pension Yojna were launched
alongside it.
Who can avail this?

 Any savings bank account holder, aged between 18 and 50 years can avail this scheme
  Aadhar linking with the account is mandatory to obtain benefits offered in this scheme
Benefits

 The death benefit will be received by the nominee

 The cover is for one year. (From June 1 to May 31). It can be renewed every year
 Life cover of Rs. 2 lakhs is available at just Rs. 330 per annum

What has changed?

 As of May 8, 2017, nearly 3.11 crore people have applied for this scheme, and around 65,083
claims were made.

5. Rashtriya Swasthya Bima Yojana (RSBY):

This scheme was introduced in 2008. Its main motto is to provide health insurance coverage to
people belonging to the BPL (Below Poverty Line) category.
Benefits
It provides health insurance coverage to unorganised sectors, such as construction, that are
registered under Welfare Boards, Street Vendors, Licensed Porters (railway, MNREGA workers,
mine workers, auto or taxi drivers etc.
Covers up to Rs. 30,000 on a floater basis for family consisting of 5 members
Provides cover for transportation charges of Rs. 100 per visit to the hospital with the maximum limit
of Rs. 1,000.
The premium is just Rs. 30 per annum, and BPL families can get an RSBY smart card, which allows
holders to claim medical care expenses of up to Rs. 30,000 per annum.

6. National Social Assistance scheme

Launched in 1995, this is a centrally sponsored scheme aimed at providing financial assistance to the
elderly, widows, and people with disabilities in the form of social pensions.
Who can avail?
Anyone above 60 years and below the poverty line (BPL)
BPL widows who fall in the age group of 40 to 64
BPL people with more than 80% disability and are above 18 years

7. Pradhan Mantri Mudra Yojana

Micro Units Development & Refinance Agency Ltd. (MUDRA) is a new initiative designed for non-
corporate, non-form sector, micro and small enterprises whose credit needs are below Rs. 10 lakhs.
This scheme was announced by the Finance Minister during the Union Budget 2016. Under PMMY
there are three products available:
a. Shishu: Offers loans of up to Rs. 50,000
b. Kishore: Offers loans of up to Rs. 5,00,000
c. Tarun: Offers loans of up to Rs. 10,00,000
Benefits
Mudra loans can be availed for vehicles (Commercial vehicle loan, car loan and two-wheeler loan
Business Installment Loan (BIL): Loan for working capital requirement, buying plant and machinery,
renovating offices etc.
Business Loans Group Loans (BLG) and Rural Business Credit (RBC): Drop line overdraft facility and
working capital loans
Repayment of the loan is as high as 7 years
Apart from these, there several are schemes that the government is implementing at grassroot level
for businesses, agriculture, education and others.