CHAROTAR UNIVERSITY OF SCIENCE AND TECHNOLOGY (CHARUSAT)

FACULTY OF MANAGEMENT STUDIES (FMS)

INDUKAKA IPCOWALA INSTITUTE OF MANAGEMENT
BBA PROGRAMME (2018 – 21)
SEMESTER – 4

A PRESENTATION ON
(BM212.1) CONTEMPORARY ISSUES IN MANAGEMENT
A STUDY ON SCHEMES BY GOVERNMENT FOR
BELOW POVERTY LINE PEOPLE
STUDENT ID. NO. : 18BBA00067 Submitted to :
S T U D E N T N A M E : PAT E L R A J Dr. Pranav Desai
SURESHBHAI Asst. Professor, I2IM - CHARUSAT

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Flow of Presentation
Sr no Title Page no
1 Introduction 3
2 What is Below Poverty Line 6
3 Ayushman Bharat-PM Jan Arogya Yojana 8
4 Pradhan Mantri Ujjwala Yojana 13
5 Pradhan Mantri Awaas Yojana (Gramin) 16
6 Pradhan Mantri Suraksha Bima Yojana 19
7 Pradhan Mantri Sahaj Bijli Har Ghar Yojana 22
8 Annapurna scheme 24
9 National food for work programme 25
10 National old age pension scheme 28
11 National family benefit scheme 30
12 National Maternity Benefit Scheme 31
13 Swarna Jayanti Gram Swarozgar Yojna 34
14 The objectives of the BPL Card 36
15 Why is employment generation important in poverty alleviation in India? 37
16 What are the reasons for the ineffectiveness of poverty alleviation 39
programmes?
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17 List of Ministry who pass the scheme 40
 Introduction.
The poverty alleviation programmes in India can be categorized based on
whether it is targeted either for rural areas or for urban areas in the country.
The ministries of the Government of India have come up with various
government programs called schemes (Yojana) from time to time. These schemes
could be either Central, state specific or joint collaboration between the Centre
and the states.
Poverty Alleviation Programmes aims to reduce the rate of poverty in the country
by providing proper access to food, monetary help and basic essentials to the
households and families belonging to the below poverty line. As per the Planning
Commission of India, the level of poverty in a country can be estimated based on
the consumer expenditure surveys that are conducted by the National Sample
Survey Office (NSSO) under the Ministry of Statistics and Programme
Implementation.

www.byjus.comw

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Most of the programmes are designed to target the rural poverty as
prevalence of poverty is high in rural areas. Also targeting poverty is a great
challenging in rural areas due to various geographic and infrastructure
limitations. The programmes can be mainly grouped into
1) Wage employment programmes
2) Self-employment programmes
 3) Food security programmes
4) Social security programmes 5) Urban poverty alleviation programmes.

www.byjus.com

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 Programmes or
schemes

Wage Self- Urban poverty

Food security Social security
employment employment alleviation
programmes programmes
programmes programmes programmes

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What is Below Poverty Line (BPL)

 It is an economic benchmark set by the government of India to

identify the economically weaker people and households in urgent need
of government aid.
It refers to a threshold income. The people whose income is below this
threshold income are considered poor or below poverty line.
 The government launches various schemes to help the BPL section so
that their basic needs like food, shelter and clothes could be fulfilled.
According to a committee headed by C Rangarajan (former Reserve
Bank Governor) around 30% of the total population of India lived in
poverty in 2011-12.

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Parameters to define BPL

Type of house
Status of children
Consumer durables
Food security
Clothing
Literacy status
Landholding
Sanitation etc.

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Ayushman Bharat-PM Jan Arogya Yojana

Ayushman Bharat Yojana

National Health Protection Scheme

www.ayushmanbharatscheme.in

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Ayushman Bharat
 Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana ( AB-PMJAY ) is
Centrally Sponsorded Scheme.
It is an umbrella of two major health initiaives, namely Health and
wellness Centres and National Health Protection scheme.
Health and wellness Centres:
Under this 1.5 lakh existing sub center will bring health care system
closer to the homes of people in the form of Health and wellness
Centers.
 These Center will provide Comprehensive health care, including for
non-communicable diseases and maternal and child health services.

www.ayushmanbharatscheme.in

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List of services to be provided at Health & Wellness
Centre
Pregnancy care and maternal health services
Neonatal and infant Heath services
Child health
Chronic communicable diseases
Non-Communicable diseases
Management of mental illness
Dental care
Eye care
Geriatric care emergency medicine
◦ www.ayushmanbharatscheme.in

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 National Health Protection Mission (AB-PMJAY)

Benefits:
 AB-PMJAY provide a defined benefit cover of Rs.5 Lakh per family per year.
This cover will take care of almost all secondary care and most of tertiary care
producers.
 To ensure that nobody is left out (especially women, children and elderly)
there will be no cap on family size and age in the scheme.
 The benefit cover will also include pre and post-hospitalization expense. A
defined transport allowance per hospitalization will also be paid to the
beneficiary.
 Benefits of the scheme are portable across the country and a beneficiary
covered under the scheme will be allowed to take cashless benefits from any
public/private empaneled hospital across the country.

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Eligibility
AB-PMJAY is an entitlement based scheme with entitlement decided on the basic of
deprivation criteria in the SECC database.
AB-PMJAY will target about 10.74 crore poor, deprived rural families and identified
occupational category of urban worker families as per the latest Socio-Economic
Caste Census (SECC) Data covering both rural and urban.
Implementation
At the national level to manage, a National Health Agency has been set up.
States/UTs are advised to implement the scheme by a dedicated entity called State
Heath Agency (SHA)
Expenditure
The expenditure incurred in premium payment will be shared between Central and
State Government.

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Pradhan Mantri Ujjwala Yojana
Pradhan Mantri Ujjwala Yojana provides financial
support to the BPL card holders in order to help
them have a LPG connection.Under this scheme
well-off families are requested to give up their LPG
subsidy so that more number of poor families get
benefit.
On May 1, 2016, the Narendra Modi-led
government introduced a beneficial social scheme,
the Pradhan Mantri Ujjwala Yojana.
On realising that out of the 24 crore households in
the country, 10 crore households were using
harmful fossil fuels and dung to cook, the
government decided to offer financial support to
households below the poverty line for LPG cylinders

www.byjus.com

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Objectives of Pradhan Mantri Ujjwala Yojana

With women being the primary victims, as they are at the receiving end of
using harmful fossil fuels, the objectives of the scheme are stated below:
The Pradhan Mantri Ujjwala Yojana is a sort of women empowerment and
aims at protecting their health. By giving the LPG connections, women no
longer need to use impure fossil fuels, dung cakes and so on, that in the
past have given them serious respiratory illnesses.
The aim is also to reduce the amount of deaths caused by using such fossil
fuels. Cases such as kerosene cylinders exploding while cooking has been an
age old story, and the government wants to do away with such incidents. A
reported 5 lakh deaths are caused each year from cylinder explosions.
Preventing the number of respiratory cases amongst children - caused by
the burning of impure fossil fuels indoors.
Reduce air pollution

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 Target beneficiaries
Under the scheme, an adult woman belonging to a poor family not having LPG connection in her
household, is an eligible beneficiary under the expanded scheme.
Release of LPG connection under this Scheme shall be in the name of the women belonging to
the BPL family.
Initially, the Government covered the following categories under the Scheme :-
1) Beneficiaries listed in the SECC 2011 list
2) All SC/STs households beneficiaries of Pradhan Mantri Awas Yojana(PMAY) (Gramin)
3) Antyoday Anna Yojana (AAY)
4) Forest dwellers
5) Most Backward Classes (MBC)
6) Tea & Ex-Tea Garden Tribes
7) People residing in Islands
8) People residing in river islands.

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Pradhan Mantri Awaas Yojana (Gramin)
The government launched “Housing for
All” in rural areas under which the
Government will provide an
environmentally safe and secure pucca
house to every rural household by 2022.
Named the Pradhan Mantri Awaas Yojana
(Gramin), in its first phase the target is to
complete one crore houses by March 2019.
Minimum support of nearly Rs. 1.5 lakh to
Rs. 1.6 lakh to a household is available.
There is also a provision of Bank loan upto
Rs. 70,000/-, if the beneficiary so desires.

https://pmaymis.gov.in

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Objective – Housing for All
A comprehensive mission of PMAY Housing Scheme aims to create
Affordable homes with water connection , toilet facilities, 24x7 electricity supply
and complte access.
2 crore hoses to be built across nation’s length and breath .
Targeting the lower income Groups and economically weaker Section of our
society.
2 millions non-slum urban poor household are proposed to be covered under
the mission
Indian women of all religions and caste. Everyone will be equally eligible no
biased treatment on basic of caste or religion.

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Objective of the Pradhan Mantri Awas
Yojana
Rehabilitation of those
who live in slums.

To Provide a credit
linked subsidiary
schemes to individuals.
objectives
To Provide individuals
with affordable housing
facilities

Provide accessible
homes to economically
weaker section.

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Pradhan Mantri Suraksha Bima Yojana.

Pradhan Mantri Suraksha Bima Yojana has

been announced by the government of India
as one of the three social security schemes.
PMSBY is an accidental insurance scheme
that provides accidental death and disability
coverage for one year, with an annual
renewal.
With the minimum premium rate of Rs. 12/-
per annum this policy is most beneficial to
the poor and low-income section of the
society. Pradhan Mantri Suraksha Bima
Yojana provides life coverage of Rs. 2 lakh
for the accidental demise and permanent
total disability and Rs. 1 lakh for permanent
partial disability.

http://financialservices.gov.in

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What is Covered Under PMSBY Policy and for How
Much?

Under Pradhan Mantri Suraksha Bima Yojana a death benefit of Rs. 2

lakh is available to the beneficiary of the policy in case of accidental
demise of the insured person.
Moreover, coverage of Rs. 2 lakh is provided in case of total disability
like irrecoverable or total loss of both the eyes, or loss of use of both
the hands and feet, paralysis, etc. In case of partial disability, a life
coverage of Rs1lakh is provided to the insured person.
The coverage provided by PMSBY is in addition to any other insurance
plan the subscriber has. As this is a pure life insurance plan the scheme
does not offer any mediclaim i.e. it does not offer any reimbursement of
hospitalization expenses caused due to an accident.

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Benefits
The scheme provide
The risk coverage for accidental death.
Full disability or partial disability in case of an accident.
The coverage amount is Rs.2 lacs in case of accident death and full
disability. While in case of partial disability, it is Rs. 1 lacs . The amont
will be paid to nominee in case of death.
Insurance premium to insurance company Rs 10/- per annum per
member
The proceed amount will get tax exemption under section 10(10D)
UPTO LIMI OF Rs 1 lac beyond which , it will attract TDS of 2% on the
total proceeds.

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 Pradhan Mantri Sahaj Bijli Har Ghar Yojana
(SAUBHAGYA)
Pradhan Mantri Sahaj Bijli Har Ghar Yojana –
‘Saubhagya’ was launched in September, 2017.
 Under Saubhagya free electricity connections to all
households (both APL and poor families) in rural
areas and poor families in urban areas will be
provided.
The objective of the ‘Saubhagya’ is to provide energy
access to all by last mile connectivity and electricity
connections to all remaining un-electrified
households in rural as well as urban areas to achieve
universal household electrification in the country.

www.byjus.com

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Expected outcomes of the scheme

The expected outcome of the Scheme is as follows:

Environmental upgradation by substitution of Kerosene for lighting
purposes
Improvement education services
Better health services
Enhanced connectivity through radio, television, mobiles, etc.
Increased economic activities and jobs
Improved quality of life especially for women

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Annapurna scheme
The annapurana scheme aims at
providing food security to meet
the requirement of those senior
citizens who through eligible have
remained uncovered under the
National old age pension scheme.
Under the Annapurana Scheme,
10 kg of food grains per month are
to be provided free of cos to the
beneficiary.
The age of applicant should be 65
yers or more.

www.byjus.com

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National food for work
programme
The National Food For Work Programme was launched by minister of
rural development in 2004.
The objective of generating supplementary wage employment so that
they get the food.
The programme is open for all indian poor who are ready to do manual
unskilled labour work and are in the need of wage employment.
It is implemented as a centrally sponsored schemes.
Food grins are provided to the states free of cost.
The transportations cost, handling charges and food cost were provided
by the government.

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objective
To provide supplementary resourse along with other aids to rural poor
of the backward districts.
To provide supplementary wage employment to the poor rural
populace of the backward districts.
To provide security pertaining to food to the rural poor of backward
disttrcts.
To faciliate the creation of common economic and social assets for rural
areas.
 the project was 100 % centrally sponsored schemes.
Under these schemes the work was provided with the food

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 National old age pension scheme
 The National Old Age Pension Scheme has been renamed as
Indira Gandhi National Old Age Pension Scheme (IGNOPS) and
formally launched on 19th November, 2007.

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 Under this Scheme, central assistance is
available as per the following criteria
Age of the applicant (male or female) is 60 years or more.
The applicant is a 'destitute' in the sense of having little or no regular means of
subsistence from his/her own sources of income or through financial support from family
members or other sources.
Pension under IGNOAPS is now granted to a person who is 60 years or above and belongs
to a household below the poverty line instead of only to destitute.
The central contribution of pension under the Indira Gandhi National Old Age Pension
Scheme (IGNOAPS) is Rs. 200/- per month per beneficiary up to 79 years and Rs.500/- per
month per beneficiary from 80 year onwards and the State Governments may contribute
over and above to this amount. At present old age beneficiaries are getting anywhere
between Rs. 200/- to Rs. 1000/- depending on the State Contribution.
The pension is not restricted to only one person in a family. All the persons who are 60
years of age in a BPL family are eligible to get old age pension.

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National family benefit scheme
The NFBS provides a lump sum family benefit of Rs. 20000 to the bereaved household in
case of death of the primary bread winner irrespective of the cause of death. This
scheme is applicable to all the eligible persons in the age group of 18-64. Attempt had
been made to evaluate the efficiency of the scheme with the help of the field survey.
The 'primary breadwinner' should be the member of the household, male or female
whose earnings contribute substantially to the total household income.
The death of such a primary breadwinner occurs while he or she is more than 18 years
and less than 65 years of age.
The bereaved household qualifies as one below the poverty line according to the
criteria prescribed by the Government of India.
The amount of central assistance under the above scheme is Rs. 10000/- in case of
death of primary breadwinner due to natural or accidental causes. The family benefit is
paid to such surviving member of the household of the deceased who, after local
enquiry is determined to be the head of the household.

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 National Maternity Benefit Scheme (NMBS)
National Maternity Benefit Scheme (NMBS) is the
scheme launched by Ministry of Women and Child
Development of Government of India and is active
in every state at state level.
It is much more like Janani Suraksha Yojna, the
difference lies in its benefits. In National Maternity
Benefit Scheme the pregnant women from poor
family who are below poverty line are given
financial assistance for pre and post pregnancy
care.
 Every pregnant women will get Rs. 500 per
pregnancy and for first two delivery women is
eligible for the benefits of scheme. The scheme is
into action since its formation in 1995. It targets
rural Indian women and assures that a women
goes smoothly with all process of pregnancy and
money should be an obstacle
www.ilo.org

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Benefits of National Maternity Benefit Scheme:
Rs. 500 assistance: Under the scheme the women is given assistance for
first two pregnancies Pre-delivery payment:
Pregnant women are given payment for predelivery time for proper
care of herself and child Post-delivery payment:
 Assistance is active even after the delivery to carry out post-delivery
medications .
Eligibility for National Maternity Benefit Scheme:
1. Person should be a BPL card holder.
 2. Person should not be less than 19 years of age
3. Only pregnant women are eligible for the scheme

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Document required for the scheme:
1. Aadhar card
2. Bank passbook
3. BPL card
4. Ration card
where to contact for getting benefits of National Maternity Benefit
Scheme:
1. Nagar Palikas 2. Hospitals 3. Primary health center 4. Aanganwadi
center

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Swarna Jayanti Gram Swarozgar Yojna
The Swarna Jayanti Gram Swarozgar Yojana was launched as an
intergrated programme for self-employment of the rural poor with
effect from 1 April 1999.
The objective of the scheme is to bring the assisted poor families above
the poverty line by organizing them into self help groups through the
process of social mobilization, their training and capacity building and
provisions of income generating assets through a mix of bank credit and
government subsidy.
The scheme emphasizes establishment of activity cluster through
selection of key activities based on aptitude and skill of the people,
availability of the resources and market potentiality.
The scheme adopts a process approach and attempts to built the
capacities of the rural poor.

www.bankbazaar.com

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The objectives of the BPL Card
Scheme is:
The objectives of the BPL Card Scheme is:
• To enable least interaction with the Government System (No filling up of forms)
• Provide Identification of the BPL population
• Control mis-utilization of benefits
• Easily Operable System
• Access to a maximum of Rs.1000 credit (at a pre defined interest) p.a. payable in
one year, at any time
• Mobility (Access to the system across the state) The BPL card will be used for
schemes covering
• Self-employment
• Housing
• Small Value Individual Schemes

https://eprawisdom.com

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Why is employment generation important
in poverty alleviation in India?
Unemployment issue in India is considered as one of the major causes
of poverty in India. The poverty rate of a country can be reduced with
high economic growth and by reducing the unemployment problem.
Various poverty alleviation programmes are set up under the
Government of India that aims to eradicate poverty by providing
employment on-demand and through specific guaranteed wage
employment every year to the households living below the poverty line.

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The generation of employment is important in poverty alleviation
because of the following reasons:
It will increase the income level of the poor household families and will
help in reducing the rate of poverty in the country. Hence, there is a
significant relationship between unemployment and poverty.
It will decrease the rural-urban migration through the generation of
employment programmes in rural areas.
An increase in the income level through the generation of employment
programmes will help the poor in accessing basic facilities including
education, health facilities and sanitation.

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What are the reasons for the
ineffectiveness of poverty alleviation
programmes?
The poverty alleviation programme may not properly identify and
target the exact number of poor families in rural areas. As a result,
some of the families who are not registered under these programmes
are benefited by the facilities rather than the eligible ones .
Overlapping of similar government schemes is a major cause of
ineffectiveness as it leads to confusion among poor people and
authorities and the benefits of the scheme do not reach the poor.
Overpopulation of the country increases the burden of providing the
benefits of the schemes to a large number of people and thus reduces
the effectiveness of the programmes.
Corruption at various levels of implementation of schemes is another
major reason.

www.insightspt.com

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List of Ministry who pass the scheme
1. Ministry of culture
2. Ministries of women and child development
3. Ministry of urban development
4. Ministry of Health and Family healthcare
5. Ministry of rural development
6. Ministry of housing and urban poverty
7. Ministry of finance
8. Ministry of agriculture welfare
9. Ministry of human resource developer

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Government Schemes in India

Scheme Full-Form Date of Launch Government Ministry

PMJDY Pradhan Mantri Jan Dhan August 28, 2014 Ministry of Finance
Yojana
PMSSY Pradhan Mantri Swasthya January 22, 2015 Ministry of Health & Family Welfare
Suraksha Yojana
PMMY Pradhan Mantri Mudra Yojana April 8, 2015 Ministry of Finance

PMJJBY Pradhan Mantri Jeevan Jyoti May 9 2015 Ministry of Finance

Bima Yojana
PMSBY Pradhan Mantri Suraksha Bima May 9, 2015 Ministry of Finance
Yojana
APY Atal Pension Yojana May 9, 2015 Ministry of Finance

KVP Kisan Vikas Patra March 3, 2015 Ministry of Finance

GMS Gold Monetisation Schemes November 4 2015 Ministry of Finance

PMFBY Pradhan Mantri Fasal Bima October 11, 2014 Ministry of Agriculture
Yojana
PMGKY Pradhan Mantri Krishi Sinchai July 1, 2015 Ministry of Agriculture
Yojana

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DDUGJY Deen Dayal July 25, 2015 Ministry of Power
Upadhyaya Gram Jyoti
Yojana

RGM Rashtriya Gokul December 16, 2014 Ministry of Agriculture and

Mission Farmers Welfare

DI Digital India July 1, 2015 Ministry of Electronics and

Information Technology

SI Skill India July 16, 2015 Ministry of Skill

Development and
Entrepreneurs

(PMKVY) Pradhan Mantri January 8, 2017 Ministry of Skill

Kaushal Vikas Yojana Development and
Entrepreneurs

www.india.gov.in

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Government Schemes in India
Scheme Full-form Date of Launch Government
Ministry
MI Make in India September 25, 2014 Ministry of
Important Schemes launched in India related to Employment
Commerce and Poverty
and
Alleviation Industry
Startup India, Government of
Standup India India
PMGKY Pradhan Mantri April, 2015 Ministry of Skill
Garib Kalyan Development and
Yojanaye (PMGKY) Entrepreneurs

www.india.gov.in

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Important Schemes launched in India related to Health and Sanitation

Government Schemes in India

Full-Form Name of Scheme Date of Launch Government Ministry

Swachh Bharat SBA October 2nd, 2014 Ministry of Housing

Abhiyan and Urban Affairs

Namami Gange NG July 10, 2014 Ministry of Water

Resources

National Bal NBS November 10, 2014 Ministry of Women

Swachhta and Child
Development

Pradhan Mantri Jan (PMJAY) March 2016 Ministry of Chemicals

Aushadhi Yojana and Fertilizers

www.india.gov.in

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Thank You.

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