SCHEMES

Success Tree
Government Schemes
related to Social Security, Poverty alleviation,
Employment Generation and Skill
Development
Index

1) Aspirational District Programme…………………………………………………………………………………………………….….… 2

2) Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) ……………………………………………………………………….….… 2
3) Women Livelihood Bonds……………………………………………………………………………………………………………….…... 4
4) Atal Innovation Mission…………………………………………………………………………………………………………………...…. 4
5) Atal Bimit Vyakti Kalyan Yojana(ABVKY)………………………………………………………………………………………….…... 5
6) National Pension Scheme for Traders and Self Employed Persons………………………………………………….……. 6
7) Pradhan Mantri Adarsh Gram Yojana (PMAGY)……………………………………………………………………………………. 6
8) Deendayal Disabled Rehabilitation Scheme (DDRS)……………………………………………………………………………… 7
9) Pradhan Mantri Rojgar Protsahan Yojana (PMRPY)………………………………………………………………………………. 8
10) Stand Up India Scheme…………………………………………………………………………………………………………………………. 8
11) Samarth Scheme…………………………………………………………………………………………………………………………………… 9
12) National Urban Livelihoods Mission (DAY-NULM)…………………………………………………………………………………. 10
13) Start-Up India Scheme……………………………………………………………………………………………………………………….… 11
 SCHEMES

1. Aspirational District Programme

• This was launched in January 2018. (NITI AYOG)
• The programme was launched with the aim of expeditiously improving the socio-economic status of 117
districts through cooperative and competitive federalism.
• Driven primarily by the States, this initiative focuses on the strengths of each district and prioritizes the
attainable outcomes for immediate improvement.
• The Aspirational Districts programme aims to rapidly transform districts that have been showing relatively
less progress in key social areas, and have emerged as pockets of under-development, thereby posing a
challenge to balanced regional development.
• The programme tracks 81 data-points across six themes with direct bearing on the quality of life and
economic productivity of citizens. The themes are as follows-

The broad contours of the programme are:

1) Convergence (of Central & State Schemes),

2) Collaboration (of Central, State level ‘Prabhari’ Officers & District Collectors),
3) Competition among districts driven by a Mass Movement or a Jan Andolan.

2. Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)

1. PM-SYM will be a Central Sector Scheme administered by the Ministry of Labour and Employment and
implemented through Life Insurance Corporation of India and CSCs.

2. LIC will be the Pension Fund Manager and responsible for Pension pay out.

3. The amount collected under PM-SYM pension scheme shall be invested as per the investment pattern
specified by GoI.

Eligibility Criteria
 SCHEMES

1. The unorganised workers mostly engaged as home based workers, street vendors, mid-day meal workers,
head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, rickshaw pullers,
landless labourers, etc. whose monthly income is Rs 15,000/ per month or less and belong to the entry age
group of 18-40 years are eligible for the scheme.

2. They should not be covered under New Pension Scheme (NPS), Employees’ State Insurance Corporation
(ESIC) scheme or Employees’ Provident Fund Organisation (EPFO).

3. Further, he/she should not be an income taxpayer.

Features of PM-SYM

Pension Pay out

1. Once the beneficiary joins the scheme at the entry age of 18-40 years, the beneficiary has to contribute till
60 years of age.

2. On attaining the age of 60 years, the subscriber will get the assured monthly pension of Rs.3000/- with
benefit of family pension, as the case may be.

Family Pension

• During the receipt of pension, if the subscriber dies, the spouse of the beneficiary shall be entitled to
receive 50% of the pension received by the beneficiary as family pension.

• Family pension is applicable only to spouse.

Contribution by the Subscriber

• The subscriber’s contributions to PM-SYM shall be made through ‘auto-debit’ facility from his/ her savings
bank account/ Jan- Dhan account.

• The subscriber is required to contribute the prescribed contribution amount from the age of joining PM-
SYM till the age of 60 years.

Matching contribution by the Central Government

• PM-SYM is a voluntary and contributory pension scheme on a 50:50 basis where prescribed age-specific
contribution shall be made by the beneficiary and the matching contribution by the Central Government.

• For example, if a person enters the scheme at an age of 29 years, he is required to contribute Rs 100/ – per
month till the age of 60 years.

• An equal amount of Rs 100/- will be contributed by the Central Government.

Enrolment Process

• The enrolment will be carried out by all the Community Service Centers (CSCs).

• The subscriber will be required to have a mobile phone, savings bank account and Aadhaar number.

• The eligible subscriber may visit the nearest CSCs and get enrolled for PM-SYM using Aadhaar number and
savings bank account/ Jan-Dhan account number on self-certification basis.

Facilitation Centres

• All the branch offices of LIC, the offices of ESIC/EPFO and all Labour offices of Central and State
Governments will facilitate the unorganised workers about the Scheme.
 SCHEMES

• The second phase of the Faster Adoption and Manufacturing of (hybrid) Electric vehicles (FAME) scheme
will come into force from April 1, 2019 with the Union Cabinet nod.

• The scheme will be in effect for a period of three years at a proposed budget of Rs 10,000 crore.

3. Women Livelihood Bonds

• The World Bank, UN Women (a United Nations entity dedicated to gender equality and empowerment of
women), and Small Industries Development Bank of
India (SIDBI) have come together to launch a five-
Social Impact Bond
year tenor women’s livelihood bond (WLB).
• The proceeds from these social impact bonds will be • A social impact bond (SIB) is a contract with the
used to help rural women in the country’s poorest public sector or governing authority, whereby it
States to set up or scale up their own enterprises. pays for better social outcomes in certain areas
• WLB’s will be unsecured and unlisted. and passes on the part of the savings achieved
• The bonds will be placed with leading wealth to investors.
managers and corporates in the country on a private • A social impact bond is not a bond, per se, since
placement basis. repayment and return on investment depend
• The return on these bonds will be 3% per annum. upon the achievement of desired social
• SIDBI has also put together its own ₹1,000 crore outcomes; if the objectives are not achieved,
social-impact fund ‘Prayaas’ for providing funding investors receive neither a return nor repayment
support to women entrepreneurs. of principal.
• The proposed bond will enable individual women
entrepreneurs in sectors like food processing, agriculture, services, and small units to borrow around Rs
50,000 to Rs 3 lakh at an annual interest rate of around 13%-14% or less.
• SIDBI will act as the financial intermediary and channel funds raised to women entrepreneurs through
participating financial intermediaries like banks, NBFCs or microfinance institutions.

4. Atal Innovation Mission

• It is a flagship initiative set up by the NITI Aayog to promote innovation and entrepreneurship across
the country.
• It is envisaged as an umbrella innovation organization that would play an instrumental role in alignment
of innovation policies between central, state and sectoral innovation schemes.
• Long term goals of AIM include establishment and promotion of Small Business Innovation Research
and Development at a national scale.

Atal Tinkering Labs-

• to promote creative, and innovative mind set in schools

• AIM is setting up state of the art ATL in schools across all districts in India.
• These ATLs are dedicated innovation workspaces of 1200-1500 square feet where do-it-yourself. (DIY) kits on
latest technologies like 3D Printers, Robotics, Internet of Things (IOT), Miniaturized electronics are installed
using a grant of Rs 20 Lakhs from the government so that students from Grade VI to Grade XII can tinker with
these technologies and learn to create innovative solutions using these technologies.
• The vision is to have every school have access to at least one or more Atal Tinkering Labs in each district of
the country, as well as to scale the same up with the help of state education ministries across the length and
breadth of the country.
• Also, Government / Govt Aided schools, and Girls schools, North East and Hilly District schools get a special
preference in the consideration of ATL selections.
 SCHEMES

Atal Incubators Centres (AIC) – promoting entrepreneurship in universities and industry

• At the university, NGO, SME and Corporate industry levels, AIM is setting up world-class Atal Incubators that
would trigger and enable successful growth of sustainable startups in every sector /state of the country
• It is aimed at providing a grant of upto Rs 10 Crores to successful applicants for setting up greenfield
incubators or scaling up existing ones.
• Women led incubators and entrepreneurial startups are strongly encouraged by AIM.

Atal Community Innovation Centre (ACIC) Program

• Atal Community Innovation Centre (ACIC) program was launched by Atal Innovation Mission (AIM) to foster
innovation in India.
• The programme is aimed at spurring community innovation in underserved and un-served areas of the
country. The significance of innovation can be understood by the fact that through innovation India can
become a USD 5 trillion economy by 2024-25.
• ACIC can serve as the bridge between the knowledge base existing in communities and the advanced
technical ecosystem prevalent in the market base, addressing the needs of society.
• India is set to become the largest consumer of fossil fuel in the next 15 years. Hence, there is a dire need to
reduce India’s crude oil import bill which is pegged at Rs 6 lakh crore per annum.
• This program can come up with innovative methods like waste to wealth, which will help India in reducing its
fossil fuel import bill.
• The program can be connected to every Panchayati Raj Institutions to help innovators at grassroots level
become part of the policy framework and leverage their creativity to translate their products and services
into innovation led commercial utilization for society.
• The program can play a major role towards establishing India as Innovation and Technology led Start-up
nation and improve the ranking of India in Global Innovation Index.

5. Atal Bimit Vyakti Kalyan Yojana(ABVKY)

• It is a welfare measure being implemented by the Employee’s State Insurance (ESI) Corporation.
• It offers cash compensation to insured persons when they are rendered unemployed.
• The scheme is implemented on pilot basis for a period of two years initially.

Benefits under the scheme

• The scheme provides relief to the extent of 25% of the average per day earning during the previous four
contribution periods to be paid up to maximum 90 days of unemployment once in lifetime of the Insured
Person.
• The maximum duration, for which an IP shall be eligible to draw the Relief under the Atal Beemit Vyakti
Kalyan Yojana (ABVKY) will be 90 days once in lifetime after a minimum of two years of Insurable
Employment.
• The claim for relief under the Atal Beemit Kalyaan Yojana will be payable after the three months of his/her
clear unemployment.
• The relief will be paid for clear month of unemployment.
• No prospective claim will be allowed.
• In case the beneficiary gets gainful employment in between the three months of unemployment for which
he was eligible for relief under ABVKY, the relief will be payable for clear month of unemployment between
the date of unemployment and date of re-employment.

Eligibility
 SCHEMES

• Employees covered under Section 2(9) of the ESI Act 1948.

• The Insured Person (IP) should have been rendered unemployed during the period the relief is claimed.
• The Insured Person should have been in insurable employment for a minimum period of two years.
• The Insured Person should have contributed not less than 78 days during each of the preceding four
contribution periods.
• The contribution in respect of him should have been paid or payable by the employer.
• The contingency of the unemployment should not have been as a result of any punishment for misconduct
or superannuation or voluntary retirement.
• Aadhar and Bank Account of the Insured Person should be linked with insured person database.

6. National Pension Scheme for Traders and Self Employed Persons

• It is a pension scheme for the Vyaparis (shopkeepers/retail traders and self-employed persons) with annual
turnover not exceeding Rs 1.5 crore.
• It is a voluntary and contributory pension scheme.
• The enrolment under the scheme is free of cost for the beneficiaries.
• The enrolment is based upon self-certification.
• It has a provision for minimum assured pension of Rs 3,000/- monthly on attaining the age of 60 years.
• The Central Government shall give 50 % share of the monthly contribution and remaining 50% contribution
shall be made by the beneficiary.

Eligibility:

• Beneficiary is required to have an Aadhaar card and a saving bank/ Jan-Dhan Account passbook only.
• He/ She should be within 18 to 40 years of age group.
• GSTIN is required only for those with turnover above Rs. 40 lakhs.
• The beneficiary should not be income taxpayer and also not a member of EPFO/ESIC/NPS (Govt.)/PM-SYM.

Significance:

• This scheme will target enrolling 25 lakh subscribers in 2019-20 and 2 crore subscribers by 2023-2024. An
estimated 3 crore Vyaparis in the country are expected to be benefitted under the pension scheme.

7. Pradhan Mantri Adarsh Gram Yojana (PMAGY)

Pradhan Mantri Adarsh Gram Yojana (PMAGY) aims for integrated development of selected villages having more
than 50% Scheduled Caste (SC) population through implementation of existing scheme of Central and State
Governments in a convergent manner and by utilization of gap filling funds provided as Central Assistance

Ministry- Ministry of Social Justice and Empowerment

• The scheme was launched in 2009-10 on a pilot basis, for the integrated development of 1000 villages in 5
States viz. Himachal Pradesh (Northern Region), Bihar (Eastern Region), Rajasthan (Western Region), Tamil
Nadu (Southern Region) and Assam (North-Eastern Region) and further extended in 2015 to another 1500
villages in Assam, Uttar Pradesh, Madhya Pradesh, Karnataka, Punjab, Odisha, Jharkhand, Chhattisgarh,
Andhra Pradesh, Telangana and Haryana
 SCHEMES

• Works and programmes taken up under

PMAGY in the identified States include
inter alia, construction of village roads,
community halls/meeting places,
community toilets, drainage works,
installation of hand pumps, solar powered
streetlights, drinking water scheme etc.
• As per scheme, details for a village to be
declared as Adarsh village a minimum of
three of the targets listed below have to
be achieved by the end of the third year
of implementation of PMAGY:-
• As far as possible, elimination
of poverty, but reduction in its
incidence by at least 50%
within three years.
• Universal adult literacy
• 100% enrolment and retention
of children at the elementary
stage (I-VIII).
• Reduction of infant mortality
rate (per thousand live births) to 30 and maternal mortality rate (per lakh) to 100, by 2012.
• Village should fulfill the Nirmal Gram Puraskar norms of the Deptt. Of Drinking Water Supply, M/o
Rural Development, i.e., these villages should be 100 % open defecation free
• Access to safe drinking water facility to all villagers on a sustainable basis.
• 100% institutional deliveries for pregnant women
• Full immunisation of children
• Achieving all weather road connectivity to the village
• 100% registration of deaths and births in the village
• No child marriages, and child labour
• No public consumption of liquor and other intoxicating substances
• 100% allotment of Pradhan Mantri Gramin Awaas Yojana (PMGAY) houses to all eligible families

8. Deendayal Disabled Rehabilitation Scheme (DDRS)

• DDRS is a Central Sector Scheme of Government of India which is being implemented since 1999 for
providing financial assistance to NGOs working for education and rehabilitation of persons with disabilities.
This scheme was revised in 2018 and the revised scheme is being implemented since 1st April 2018.

• Objective- To create an enabling environment to ensure equal opportunities, equity, social justice and
empowerment of persons with disabilities. To encourage voluntary action for ensuring effective
implementation of the Rights of Persons with Disabilities Act, 2016.

• Implemented by Department of Empowerment of Persons with Disabilities, Ministry of Social Justice &
Empowerment.

• Provides financial assistance to facilitate delivery of various services to voluntary organizations’ grants-in-
aid to NGOs.
 SCHEMES

• Promotes voluntary action: parents/guardians and voluntary organisations are encouraged to provide
rehabilitation services.

• To make available the whole range of services necessary for rehabilitation of persons with

➢ disabilities

➢ Including early intervention

➢ Development of daily living skills, education

➢ Skill-development oriented towards employability

➢ Training and awareness generation.

9. PRADHAN MANTRI ROJGAR PROTSAHAN YOJANA (PMRPY)

• Out of over one crore new employees who joined the workforce as part of the Pradhan Mantri Rojgar
Protsahan Yojana (PMRPY) between August 2016 and March 2019, about 57 per cent came from five States
— Maharashtra, Tamil Nadu, Karnataka, Gujarat and Haryana.

Objectives

• To incentivize employers promoting employment generation and providing social security benefits to the
workers

Beneficiaries

• All establishments registered with Employees' Provident Fund Organisation (EPFO) can apply for availing
benefits. The establishments must have a valid LIN (Labour Identification Number)

Key features

• It is being implemented by Ministry of Labour and Employment through the Employees’ Provident Fund
Organization (EPFO).

• It encourages employers of Small and Medium Enterprises and Micro Businesses to avail the benefits of this
project.

• Under the scheme, Government is paying full employers’ contribution of 12% (towards Employees’
Provident Fund and Employees’ Pension Scheme both), for a period of 3 years in respect of new employees
who have been registered with the EPFO on or after 1st April 2016, with salary up to Rs. 15,000 per month.

• The entire system is online and AADHAR based with no human interface in the implementation of the
scheme.

• PMRPY has a dual benefit i.e. on the one hand, the employer is incentivised for increasing the employee
base in the establishment through payment of EPF contribution of 12% of wage, which otherwise would
have been borne by the employer and on the other hand, a large number of workers find jobs in such
establishments.

• A direct benefit is that these workers have access to social security benefit through Provident Fund, Pension
and Death Linked Insurance.
 SCHEMES

10. STAND UP INDIA SCHEME

• Stand Up India Scheme has been extended up to the year 2025.

Objective

• To promote entrepreneurship among Scheduled Caste/Schedule Tribe and Women

Beneficiaries

• SC/ST and/or woman entrepreneurs, above 18 years of age.

Key Features

• It aims to facilitate bank loans between Rs 10 lakh and Rs 1 Crore to at least one Scheduled Caste (SC) or
Scheduled Tribe (ST) borrower and at least one-woman borrower per bank branch for setting up a
greenfield enterprise.

• Loans under the scheme are available for only green field project.

• In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held by either
SC/ST and/or Women Entrepreneur.

• Borrower should not be in default to any bank/financial institution.

• The rate of interest would be lowest applicable rate of the bank for that category (rating category) not to
exceed (base rate (MCLR) + 3%+ tenor premium).

• Besides primary security, the loan may be secured by collateral security or guarantee of Credit Guarantee
Fund Scheme for Stand-up India Loans (CGFSIL) as decided by the banks.

• The loan is repayable in 7 years with a maximum moratorium period of 18 months.

• Rupay debit card to be issued for convenience of the borrower.

• It also provides for Creation of a credit guarantee mechanism through the National Credit Guarantee
Trustee Company (NCGTC).

11. SAMARTH SCHEME

• Ministry of Textiles signed a Memorandum of Understanding with 16 State governments on to offer skill
training programmes under the Samarth scheme (Scheme for capacity building in the textiles sector).

Objective

• To provide demand driven, placement oriented National Skills Qualifications Framework (NSQF) compliant
skilling programmes to incentivize and supplement the efforts of the industry in creating jobs in the
organized textile and related sectors, covering the entire value chain of textile, excluding Spinning and
Weaving.

• To promote skilling and skill upgradation in the traditional sectors of handlooms, handicrafts, sericulture
and jute.
 SCHEMES

• To enable provision of sustainable livelihood either by wage or self-employment to all sections of the
society across the country.

Key Features

• The Scheme would target to train 10.00 lakh persons (9 lakhs in organised & 1 lakh in traditional sector)

• The scheme will broadly adopt the following strategy:

➢ Aadhaar enabled biometric attendance system with minimum 80% attendance for assessment

➢ Training by certified trainers having Training of Trainers (ToT) certification by Resource Support
Agency (RSA)

➢ Third party assessment and certification by assessment agencies empanelled by RSA

➢ Placement linked skilling programme with mandatory wage employment in organized sector (70%) and
in traditional sector (50%) and post placement tracking for one year

➢ Preference given to marginalized social groups and 115 aspirational districts

➢ Public Grievance redressal system.

➢ For self-employment, concessional credit under the Pradhan Mantri MUDRA Yojana will be provided
for beneficiaries.

• Implementing Agencies include Textile Industry, Institutions/Organization of the Ministry of Textile/State

Governments having training infrastructure and placement tie-ups with textile industry, Reputed training
institutions/ NGOs etc.

12. NATIONAL URBAN LIVELIHOODS MISSION (DAY-NULM)

• Deendayal Anthyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM), a flagship mission under
the Ministry of Housing and Urban Affairs has been conferred the prestigious SKOCH Governance Gold
Award for its Portal for Affordable Credit and Interest Subvention Access (PAiSA).

• Objective- To uplift the urban poor folks by enhancing sustainable livelihood opportunities through skill
development.

• Intended Beneficiaries

• Urban poor

➢ Street Vendors

➢ Slum dwellers

➢ Homeless

➢ Rag pickers

• Unemployed

• Differently abled

Salient features-
 SCHEMES

• NULM was launched by the Ministry of Housing and Urban Poverty Alleviation (MHUPA) in 2013 by
replacing the existing Swarna Jayanti Shahari Rozgar Yojana (SJSRY).

• It provides for:

➢ Employment through Skill Training and Placement through City Livelihood Centres.

➢ Social Mobilization and Institution Development through formation of Self-help Groups (SHG) for
training members and hand holding, an initial support of 10, 000 is given for each group.

➢ Subsidy to urban poor - An interest subsidy of 5% - 7% for setting up individual micro-enterprises with a
loan of up to 2 lakhs and for group enterprises with a loan limit of up to Rs.10 lakhs.

• Cost of construction of shelters for urban homeless is fully funded under the Scheme.

• Other means - Development of vendor markets and also the promotion of skills for the vendors through
setting up infrastructure and special projects for the rag picker and differently abled etc.

• Ministry of Housing launched a web portal named PAiSA- Portal for Affordable Credit and Interest
Subvention Access. It acts as a centralized electronic platform for processing interest subvention on bank
loans to beneficiaries under Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-
NULM).

13. Start-Up India Scheme

Startup India Scheme is an initiative of the Indian government, the primary objective of which is the promotion
of startups, generation of employment, and wealth creation.

• It was launched on the 16th of January 2016.

• A start-up defined as an entity that is headquartered in India, which was opened less than 10 years ago, and
has an annual turnover less than ₹100 crore (US$14 million).

• The action plan of this initiative is based on the following three pillars:

1. Simplification and Handholding

2. Funding Support and Incentives

3. Industry-Academia Partnership and Incubation

• An additional area of focus is to discard restrictive States Government policies within this domain, such as
License Raj, Land Permissions, Foreign Investment Proposals, and Environmental Clearances.

• It was organized by The Department for promotion of industry and internal trade (DPI&IT).