OFFICERS'

Pulse
SCHEMES IN
BUDGET 2020
 Contents
1) National Social Assistance Program ............................................................................................................ 3
2) Mahatma Gandhi National Rural Employment Guarantee Program ............................................. 3
3) Pradhan Mantri Krishi Sinchai Yojana ....................................................................................................... 3
4) Pradhan Mantri Gram Sadak Yojana ........................................................................................................... 4
5) Pradhan Mantri Awas Yojana......................................................................................................................... 4
6) Jal Jeevan Mission ............................................................................................................................................... 5
7) Swachh Bharat ..................................................................................................................................................... 5
8) National Health Mission ................................................................................................................................... 6

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9) Umbrella ICDS ...................................................................................................................................................... 6

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10) National Livelihood Mission -Aajeevika.................................................................................................. 7
11) Urban Rejuvenation Mission: AMRUT and Smart Cities Mission ................................................. 7

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12) Shyama Prasad Mukherjee Rurban Mission.......................................................................................... 9
13) Rashtriya Gram Swaraj Abhiyan ............................................................................................................. 10
14) Pradhan Mantri Jan ArogyaYojana-Ayushman Bharat .................................................................. 10

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15) Market Intervention Scheme (MIS) ....................................................................................................... 11
16) Pradhan Mantri Mudra Yojana ................................................................................................................ 11
17) Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) ........................................................................ 11
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18) Bharat Net ........................................................................................................................................................ 12
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19) Price Stabilisation fund ............................................................................................................................... 12

20) National Animal Disease Control Programme for Foot and Mouth Disease and Brucellosis
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21) Pradhan Mantri Kisan Sampada Yojana............................................................................................... 13
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22) Pradhan Mantri Swasthya Suraksha Yojana ...................................................................................... 13

23) FAME - India .................................................................................................................................................... 13
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24) NIRVIK Yojana ................................................................................................................................................ 14

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25) Pradhan Mantri Matru Vandana Yojana .............................................................................................. 14

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26) Prime Minister Employment Generation Programme ................................................................... 15

27) Kisan Urja Surakshaevam Utthaan Mahabhiyan .............................................................................. 15
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28) Pradhan Mantri Sahaj Bijli Har Ghar Yojana (Saubhagya) ........................................................... 16
29) Deen Dayal Upadhyaya Gram Jyoti Yojana ......................................................................................... 16
30) Member of Parliament Local Area Development Scheme ............................................................ 17
31) Swadesh Darshan .......................................................................................................................................... 17
32) Eklavya Model Residential School .......................................................................................................... 18
33) Khelo India ....................................................................................................................................................... 18
34) Sagarmala ......................................................................................................................................................... 18
 Other Important schemes ..................................... 19
1) Institute of Eminence ..................................................................................................................................... 19
2) Pradhan Mantri Kisan Maan-Dhan Yojana ............................................................................................ 19
3) Pradhan Mantri Shram Yogi Maan-dhan ................................................................................................ 20
4) Pradhan Mantri Laghu Vyapari Maan-dhan Yojana........................................................................... 20
5) Pradhan Mantri Van Dhan Yojana ............................................................................................................. 21
6) Vayoshreshtha Samman ................................................................................................................................ 21
7) Atal Pension Yojana ........................................................................................................................................ 21

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8) Jan Shikshan Sansthan (JSS) ........................................................................................................................ 21
9) Jal Shakti Abhiyan ............................................................................................................................................ 22

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10) Merchandise Exports from India Scheme ........................................................................................... 22
11) RoDTEP.............................................................................................................................................................. 22

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12) Transport and Marketing Assistance (TMA) ..................................................................................... 23
13) STRIDE ............................................................................................................................................................... 23
14) Atal Bimit Vyakti Kalyan Yojana ............................................................................................................. 23
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15) Seva Bhoj Yojana............................................................................................................................................ 24
16) Mission for Empowerment and Protection for Women ................................................................ 24
17) Paramarsh Scheme ....................................................................................................................................... 25
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18) Atal Bhujal Yojana ......................................................................................................................................... 25
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19) PM-AASHA........................................................................................................................................................ 26
20) Soil Health Card.............................................................................................................................................. 26
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21) Crop Insurance Schemes ............................................................................................................................ 27

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22) Janani Shishu Suraksha Karyakaram .................................................................................................... 28

23) Mahatma Gandhi Bunkar Bima Yojana................................................................................................. 29
24) Solar Charkha Mission ................................................................................................................................. 30
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25) Pradhan Mantri Bhartiya Janaushadhi Pariyojana .......................................................................... 30

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26) Pradhan Mantri Ujjwala Yojana............................................................................................................... 30

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27) Sabka Vishwas ................................................................................................................................................ 31

28) Kisan Credit Card........................................................................................................................................... 31
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 SCHEMES IN BUDGET 2020

1) National Social Assistance Program

About the Scheme
 The NSAP is a Centrally Sponsored Scheme under the Ministry of Rural Development.
 It represents a significant step towards the fulfillment of the Directive Principles in Article 41
(State to provide public assistance to its citizens in case of unemployment, old age, sickness and
disablement and in other cases of undeserved want within the limit of its economic capacity and

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development) and Article 42 (Make provision for just and humane conditions of work and maternity
relief)of the Constitution

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Objective of NSAP
 The National Social Assistance Programme is a social security and welfare programme to provide
support to aged persons, widows, disabled persons and bereaved families on death of primary

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breadwinner, belonging to below poverty line households.
Presently NSAP comprises of five schemes, namely –
 Indira Gandhi National Old Age Pension Scheme (IGNOAPS),
 Indira Gandhi National Widow Pension Scheme (IGNWPS),

 National Family Benefit Scheme (NFBS) and

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 Indira Gandhi National Disability Pension Scheme (IGNDPS),

 Annapurna Scheme :(10kgs of food grains (wheat or rice) is given per month per beneficiary.)
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2) Mahatma Gandhi National Rural Employment Guarantee Program
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About the scheme

 The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) scheme is the largest
social security scheme in the world — guaranteeing 100 days of work to any rural household
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willing to do public work-related unskilled manual work at the statutory minimum wage.
 The act makes it obligatory for the State to give rural households work on demand. In case such
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employment is not provided within 15 days of registration, the applicant becomes eligible for an
unemployment allowance.
 The Ministry of Rural Development (MRD), is monitoring the entire implementation of this
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scheme in association with state governments.

 One-third of the stipulated workforce must be women.
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 The employment will be provided within a radius of 5 km: if it is above 5 km extra wage will be
paid.
 The wages are revised according to the Consumer Price Index-Agricultural Labourers (CPI-AL).
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 Work site facilities such as crèche, drinking water, shade have to be provided.
 Social Audit has to be done by the Gram Sabha.

3) Pradhan Mantri Krishi Sinchai Yojana

About the scheme
 The vision of Pradhan Mantri Krishi Sinchayee Yojana (PMKSY) is to ensure access to some means of
protective irrigation to all agricultural farms in the country, to produce ‘per drop more crop’,
thus bringing much desired rural prosperity.
 PMKSY has been conceived amalgamating ongoing schemes viz. Accelerated Irrigation Benefit
Programme (AIBP) of the Ministry of Water Resources, River Development & Ganga Rejuvenation
(MoWR,RD&GR), Integrated Watershed Management Programme (IWMP) of Department of
Land Resources (DoLR) and the On Farm Water Management (OFWM) of Department of
Agriculture and Cooperation (DAC).
 The scheme will be implemented by Ministries of Agriculture, Water Resources and Rural
Development.
 The Ministry of Rural Development is to mainly undertake rain water conservation, construction of

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farm ponds, water harvesting structures, small check dams and contour bunding etc.
 PMKSY will be to adopt a ‘decentralized State level planning and projectized execution’

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structure that will allow States to draw up their own irrigation development plans based on District
Irrigation Plan (DIP) and State Irrigation Plan (SIP).
 It will be operative as a convergence platform for all water sector activities including drinking water
& sanitation, MGNREGA, application of science & technology etc. through comprehensive plan.

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4) Pradhan Mantri Gram Sadak Yojana
About the scheme AC
 The Pradhan Mantri Gram Sadak Yojana (PMGSY), was launched in 2000 to provide connectivity to
unconnected habitations of designated population size (500+ in plain areas and 250+ in North-East,
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hill, tribal and desert areas as per Census, 2001).
 The Ministry of Rural Development along with state governments is responsible for the
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implementation of PMGSY.
 In 2015, under the recommendation of the 14th finance commission, the funding pattern was
changed.
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 Current funding pattern: In ratio of 60:40 between Centre and State for all States except for 8
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North Eastern and 3 Himalayan States (Himachal Pradesh, Uttarakhand and Jammu & Kashmir) for
which it is 90:10.
Related information:
 Road Connectivity Project for Left Wing Extremism affected Areas: Government launched Road
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Connectivity Project for Left Wing Extremism affected Areas in the year 2016 as a separate vertical
under PMGSY to provide all-weather road connectivity with necessary culverts and cross-drainage
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structures in 44 districts (35 are worst LWE affected districts and 09 are adjoining districts), which
are critical from security and communication point of view.
 MeriSadak mobile app: It was launched to enable citizens to register complaints regarding the
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quality and pace of construction of PMGSY roads.

5) Pradhan Mantri Awas Yojana

About the scheme
 The Pradhan Mantri Awas Yojana (Urban) Programme launched by the Ministry of Housing and
Urban Poverty Alleviation (MoHUPA), in Mission mode envisions provision of Housing for All by
2022, when the Nation completes 75 years of its Independence.
Objectives
 The Mission seeks to address the housing requirement of urban poor including slum dwellers
through following programme verticals:
▪ Slum rehabilitation of Slum Dwellers with participation of private developers
using land as a resource
▪ Promotion of Affordable Housing for weaker section through credit linked
subsidy
▪ Affordable Housing in Partnership with Public & Private sectors
▪ Subsidy for beneficiary-led individual house construction /enhancement.
Beneficiaries:
 Beneficiaries include Economically weaker sections (EWS), low-income groups (LIGs) and
Middle Income Groups (MIGs). The annual income cap is up to Rs 3 lakh for EWS, Rs 3-6 lakh for

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LIG and Rs 6 + -18 lakhs for MIG.
 EWS category of beneficiaries is eligible for assistance in all four verticals of the Missions whereas

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LIG and MIG categories are eligible under only Credit linked subsidy scheme (CLSS) component of
the Mission.
Implementation:
 Mission is implemented as Centrally Sponsored Scheme (CSS) except for the component of credit

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linked subsidy which will be implemented as a Central Sector Scheme.

6) Jal Jeevan Mission

About the scheme
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 The chief objective of the Mission is to provide Functional Household Tap Connection (FHTC) to
every rural household by 2024.
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 This Mission is under the Department of Drinking Water and Sanitation, Ministry of Jal Shakti.
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 The mission will focus on integrated demand and supply side management of water at the local
level, including creation of local infrastructure for source sustainability like rainwater harvesting,
groundwater recharge and management of household wastewater for reuse in agriculture.
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 The fund sharing pattern is 90:10 for Himalayan and North-Eastern States; 50:50 for other States
and 100% for UTs.
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7) Swachh Bharat
About Swachh Bharat Abhiyan:
 Swachh Bharat Mission launched on 2nd October 2014 is a massive mass movement that seeks to
create a Clean India by 2019. It has 2 components - urban and rural.
 SBM Urban aims for the elimination of open defecation, conversion of unsanitary toilets to pour
flush toilets, eradication of manual scavenging, municipal solid waste management and bringing
about a behavioural change in people regarding healthy sanitation practices.
 SBM Rural aims to make India an open defecation free country in Five Years. It seeks to improve
the levels of cleanliness in rural areas through Solid and Liquid Waste Management activities and
making Gram Panchayats Open Defecation Free (ODF), clean and sanitised.
 The urban component of the mission is implemented by the Ministry of Urban Development, and
the rural component by the Department of Drinking Water and Sanitation, Ministry of Jal

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Shakti.

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8) National Health Mission
About National Health mission
 National Health Mission (NHM) was launched by the Ministry of Health and Family Welfare in

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2013 subsuming the National Rural Health Mission and National Urban Health Mission.
Objective
 The National Health Mission (NHM) envisages achievement of universal access to equitable,
affordable & quality health care services that are accountable and responsive to people's needs.
Components
 The main programmatic components include
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▪ Health System Strengthening in rural and urban areas
▪ Reproductive-Maternal- Neonatal-Child and Adolescent Health (RMNCH+A)
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▪ Communicable and Non-Communicable Diseases.
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 The National Health Mission seeks to ensure the achievement of the following indicators.
○ Reduce Maternal Mortality Rate (MMR) to 1/1000 live births
○ Reduce Infant Mortality Rate (IMR) to 25/1000 live births
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○ Reduce Total Fertility Rate (TFR) to 2.1

○ Prevention and reduction of anemia in women aged 15–49 years
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○ Prevent and reduce mortality & morbidity from communicable, non-communicable;

injuries and emerging diseases
○ Reduce household out-of-pocket expenditure on total health care expenditure
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○ Reduce annual incidence and mortality from Tuberculosis by half

○ Reduce prevalence of Leprosy to <1/10000 population and incidence to zero in all
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districts
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○ Annual Malaria Incidence to be <1/1000

○ Less than 1 per cent microfilaria prevalence in all districts
○ Kala-azar elimination by 2015, <1 case per 10000 population in all blocks
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9) Umbrella ICDS
About Umbrella ICDS
 It is an initiative of the Ministry of Women and child development.
 Launched on 2nd October 1975 in 33 Community Development Blocks, ICDS today represents one
of the world’s largest programmes for early childhood development.
Various components
 Anganwadi Services Scheme: It is a unique programme for early childhood care and development.
It offers a package of six services, viz. Supplementary Nutrition, Pre-School Non-Formal Education,
Nutrition and Health Education, Immunization, Health Check-Up and Referral Services. The
beneficiaries under the Scheme are children in the age group of 0-6 years, pregnant women and
lactating mothers.
 Poshan Abhiyaan (National Nutrition Mission) targets to reduce stunting, undernutrition,
anemia (among young children, women and adolescent girls) and reduce low birth weight by 2%,
2%, 3% and 2% per annum respectively.
 Pradhan Mantri Matru Vandana Yojana (PMMVY) provides conditional cash transfer amounting
to Rs. 5,000/- to help pregnant and lactating women of 19 years of age or above for first live birth.
 Scheme for Adolescent Girls aims at out of school girls in the age group 11-14, to empower and

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improve their social status through nutrition, life skills and home skills. The scheme has nutritional
and non-nutritional components which include nutrition; iron and folic acid supplementation;

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health check-up and referral service;
 The National Crèche Scheme provides day care facilities to children of age group of 6 months to 6
years of working women. The facilities are provided for seven and a half hours a day for 26 days in a
month.

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10) National Livelihood Mission -Aajeevika
About: AC
 Aajeevika - National Rural Livelihoods Mission (NRLM) was launched by the Ministry of Rural
Development (MoRD) in 2011.
Aim:
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 The Mission aims at creating efficient and effective institutional platforms of the rural poor,
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enabling them to increase household income through sustainable livelihood enhancements

and improved access to financial services.
Coverage;
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 NRLM set out with an agenda to cover 7 Crore rural poor households, across 600 districts, 6000
blocks, 2.5 lakh Gram Panchayats and 6 lakh villages in the country through self-managed Self
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Help Groups (SHGs) and federated institutions and support them for livelihoods collectives in a
period of 8-10 years.
Features:
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 The poor would be facilitated to achieve increased access to rights, entitlements and public
services, diversified risk and better social indicators of empowerment.
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 DAY-NRLM believes in harnessing the innate capabilities of the poor and complements them with
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capacities (information, knowledge, skills, tools, finance and collectivization) to participate in the
growing economy of the country.
Funding:
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 Central sector scheme aided in part through investment support by the World Bank.
 In November 2015, the program was renamed Deendayal Antayodaya Yojana (DAY-NRLM).

11) Urban Rejuvenation Mission: AMRUT and Smart Cities Mission

About the scheme
 To recast the urban landscape of the country, to make urban areas more livable and inclusive
besides driving the economic growth, the Ministry of Housing & Urban Affairs has launched two
centrally sponsored schemes namely the Smart Cities Mission and the Atal Mission for
Rejuvenation and Urban Transformation (AMRUT).
About Smart cities mission
 Under the Smart Cities Mission, each selected city would get central assistance of Rs.100 crore
per year for five years.
 This Mission of building 100 smart cities intends to promote adoption of smart solutions for
efficient use of available assets, resources and infrastructure with the objective of enhancing the
quality of urban life and providing a clean and sustainable environment.
 Special emphasis will be given to participation of citizens in prioritizing and planning urban
interventions.
Approach
 It will be implemented through an ‘area based’ approach consisting of retrofitting, redevelopment,
pan-city initiatives and development of new cities.

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 Under retrofitting, deficiencies in an identified area will be addressed through necessary
interventions

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 Redevelopment enables reconstruction of already built-up area that is not amenable for any
interventions, to make it smart
 Pan-city components could be interventions like Intelligent Transport Solutions that benefits all
residents by reducing commuting time.

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Focus
 Smart cities initiative, focus will be on core infrastructure services like:
■ Adequate and clean Water supply,

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■ Sanitation and Solid Waste Management,
■ Efficient Urban Mobility and Public Transportation,
■ Affordable housing for the poor, power supply,
■ robust IT connectivity,
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■ Governance, especially e-governance and citizen participation,
■ safety and security of citizens,
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■ health and education and

■ sustainable urban environment.
Implementation
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 Smart City Action Plans will be implemented by Special Purpose Vehicles (SPV) to be created for
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each city and state governments will ensure a steady stream of resources for SPVs.

About AMRUT
 AMRUT seeks to lay a foundation to enable cities and towns to eventually grow into smart
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cities.
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 AMRUT adopts a project approach to ensure basic infrastructure services relating to water
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supply, sewerage, septage management, storm water drains, transport and development of green
spaces and parks with special provision for meeting the needs of children.
Coverage
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 This Mission will be implemented in 500 cities and towns each with a population of one lakh and
above, some cities situated on stems of main rivers, a few capital cities and important cities located
in hilly areas, islands and tourist areas.
Approach
 Implementation of this Mission will be linked to promotion of urban reforms such as
■ e-governance,
■ constitution of professional municipal cadre,
■ devolving funds and functions to urban local bodies,
■ review of Building bye-laws,
■ improvement in assessment and collection of municipal taxes,
 ■ credit rating of urban local bodies,
■ energy and water audit and
■ Citizen-centric urban planning.
Funding
 Central assistance will be to the extent of 50 percent of project cost for cities and towns with a
population of up to 10 lakh and one-third of the project cost for those with a population of above 10
lakh.
 Central assistance will be released in three instalments in the ratio of 20:40:40 based on
achievement of milestones indicated in State Annual Action Plans.

12) Shyama Prasad Mukherjee Rurban Mission

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About the scheme
 It was launched by the Ministry of Rural Development in 2016.

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Mission's Vision
 The National Rurban Mission (NRuM) follows the vision of "Development of a cluster of villages that
preserve and nurture the essence of rural community life with focus on equity and inclusiveness

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without compromising with the facilities perceived to be essentially urban in nature, thus creating a
cluster of "Rurban Villages".
What are Rurban villages?

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 Large parts of rural areas in the country are not stand-alone settlements but part of a cluster of
settlements, which are relatively proximate to each other.
 These clusters typically illustrate potential for growth, have economic drivers and derive
locational and competitive advantages.
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 These clusters once developed can then be classified as 'Rurban'.
 A 'Rurban cluster', would be a cluster of geographically contiguous villages with a population of
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about 25000 to 50000 in plain and coastal areas and with a population of 5000 to 15000 in
desert, hilly or tribal areas.
Mission's Objective
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 The objective of the National Rurban Mission (NRuM) is to stimulate local economic development,
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enhance basic services, and create well planned Rurban clusters.

 The Mission aims at development of 300 Rurban clusters, in the next five years. These clusters
would be strengthened with the required amenities, for which it is proposed that resources be
mobilized through convergence of various schemes of the Government, over and above which a
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Critical Gap Funding (CGF) would be provided under this Mission, for focused development of
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these clusters.
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 Upon being re-classified as a Centrally Sponsored Scheme, the CGF is now shared between the
Centre and the State in a ratio of 60:40 for Plain area States and 90:10 for Himalayan and NE
States.
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Mission's Outcomes
 The larger outcomes envisaged under this Mission are:
a. Bridging the rural-urban divide-viz: economic, technological and those related to facilities and
services.
b. Stimulating local economic development with emphasis on reduction of poverty and
unemployment in rural areas.
c. Spreading development in the region.
d. Attracting investment in rural areas.
13) Rashtriya Gram Swaraj Abhiyan
About the scheme:
 The Ministry of Panchayati Raj launched the Rashtriya Gram Swaraj Abhiyan (RGSA) with the
primary aim of strengthening Panchayati Raj Institutions (PRIs) for achieving Sustainable
Development Goals (SDGs) with main thrust on convergence with Mission Antyodaya and emphasis
on strengthening PRIs in the 117Aspirational districts.
 The Centrally Sponsored Scheme extends to all States and UTs including non-Part IX areas where
Panchayats do not exist.
Focus of the scheme:
 The scheme has programmatic focus for phased saturation mode on ensuring basic orientation
training for the Elected Representatives of Panchayats, within six months of their election and

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refresher training within 2 years.
 RGSA will have thrust for SHG-PRI convergence to ensure effective community mobilisation and

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greater public ownership of flagship programs of the Govt.
 Use of e-governance and technology driven solutions at Panchayat level will be increased to
attain administrative efficiency, improved service delivery, and greater accountability.

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Components of the scheme:
 The scheme consists of Central and State Components.
 The Central component comprises
o National level activities viz. National Plan for Technical Assistance (NPTA)in
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collaboration with academic institutions/ institutions of excellence for various activities
of Capacity Building & Training (CB&T) for PRIs
o Mission Mode Project (MMP) on e-Panchayat and
o Incentivization of Panchayats.
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 The State component relates to
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o Activities to be undertaken by State Governments for CB&T

o Other activities for strengthening of Panchayatsviz Capacity Building & Training, training
infrastructure and HR support for training,
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o Strengthening of Gram Sabhas in PESA areas,

o Distance Learning Facility via SATCOM,
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o Support for Innovations,

o Technical support to PRIs, Financial Data and Analysis Cell, Panchayat Buildings, e-
enablement of Panchayats, Project based funding for economic development and income
enhancement, IEC and PMU.
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Fund Sharing:
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 The sharing pattern for the State component is in the ratio of 60:40 except NE and Hilly States
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where Central and State sharing is in the ratio of 90:10. For all UTs, Central share is 100%.
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14) Pradhan Mantri Jan ArogyaYojana-Ayushman Bharat

About the scheme
 It is an umbrella of two major health initiatives, namely Health and Wellness Centres and
National Health Protection Scheme.
Health and Wellness Centres
 Under this 1.5 lakh existing sub centres will bring the health care system closer to the homes of
people in the form of Health and wellness centres.
 These centres will provide comprehensive health care, including for non-communicable diseases
and maternal and child health services.
National Health Protection Mission
 AB-PMJAY provides 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 procedures.
 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-hospitalisation expenses.
 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 empanelled hospitals across the
country.
Eligibility criteria
 AB-PMJAY is an entitlement-based scheme with entitlement decided on the basis of deprivation

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criteria in the SECC database.
Implementation Strategy

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 At the national level to manage, a National Health Authority has been set up. It will be chaired by
the Minister of Health & Family Welfare which will enable the decision making at a faster pace,
required for smooth implementation of the scheme.
 States/ UTs are advised to implement the scheme by a dedicated entity called State Health Agency

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(SHA).

15) Market Intervention Scheme (MIS)

What is it?
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 MIS is a price support mechanism implemented on the request of State Governments for
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procurement of perishable and horticultural commodities in the event of a fall in market prices.
 The Scheme is implemented when there is at least 10% increase in production or 10% decrease
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in the ruling rates over the previous normal year.

 It works in a similar fashion to Minimum Support Price based procurement mechanism for food
grains, but is an ad hoc mechanism.
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 Its objective is to protect the growers of these horticultural/agricultural commodities from making
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distress sale in the event of bumper crop.

16) Pradhan Mantri Mudra Yojana

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About the scheme

 Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of India to “fund the
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unfunded” by bringing such enterprises to the formal financial system and extending affordable
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credit to them.
 It provides loans upto Rs. 10 lakh to the non-corporate, non-farm small/micro enterprises.
 Under PMMY, all banks viz. Public Sector banks, Private Sector Banks, Regional Rural Banks (RRBs),
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State Co-operative Banks, Urban Co-operative Banks, Foreign Banks and NBFCs/Micro Finance
Institutions (MFIs) - are required to lend to non-farm sector income generating activities below
Rs.10 lakhs.
Loan offerings under PMMY
 Shishu: covering loans upto Rs. 50,000/- provided with no collateral
 Kishor: covering loans above Rs. 50,000/- and upto Rs. 5 lakh
 Tarun: covering loans above Rs. 5 lakhs to Rs. 10 lakh

17) Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

About the scheme:
 Aim : To provide assured income support to the small and marginal farmers.
 The income support of Rs. 6000/ was given to the farmers irrespective of the size of their land
holdings (Previously it was up to 2 hectares).
 The income will be transferred directly into the bank accounts of beneficiary farmers, in three equal
instalments of Rs 2,000 each.
 Eligibility :All landholder farmer’s families in the country are eligible for the PM-Kisan Scheme
subject to the prevalent exclusion criteria. Farmers who do not own any land are not eligible for
this scheme.
 Excluded from the scheme
(i) Institutional land holders,

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(ii) Farmer families holding constitutional posts,
(iii) Serving or retired officers and employees of state/central government as well as PSUs and

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government autonomous bodies.
(iv) Professionals like doctors, engineers and lawyers as well as retired pensioners with a monthly
pension of over Rs 10,000 and those who paid income tax in the last assessment year.
 Identification of beneficiaries : The responsibility of identifying the eligible beneficiary farmers

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and uploading their data on PM-KISAN portal lies entirely with the state governments.

18) Bharat Net

About Bharat Net AC
 Bharat Net is a project of national importance to establish a highly scalable network infrastructure
accessible on a non-discriminatory basis, to provide on demand, affordable broadband
connectivity for all households.
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 The project is implemented by Bharat Broadband Network Ltd (BBNL), a special purpose vehicle
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set up under the Department of Telecommunications (DoT) in 2012.

 The entire project is being funded by Universal Service Obligation Fund (USOF).
 With the BharatNet initiative, the Centre aims to connect all 2.5 lakh gram panchayats through
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optical fibre.
 The project is a Centre-State collaborative project, with the States contributing free Rights of Way
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for establishing the Optical Fibre Network.

19) Price Stabilisation fund

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About PSF
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 Price Stabilisation Fund (PSF) refers to any fund constituted for the purpose of containing extreme
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volatility in prices of selected commodities.

 The amount in the fund is generally utilised for activities aimed at bringing down/up the high/low
prices say for instance, procurement of such products and distribution of the same as and when
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required, so that prices remain in a range.

20) National Animal Disease Control Programme for Foot and Mouth
Disease and Brucellosis
About the programme
 It aims at eradicating the foot and mouth disease and brucellosis in livestock, a step closer
towards realising the mission of doubling farm income by 2022.
 This 100% centrally funded programme aims to control the livestock diseases by 2025 and
eradicate these by 2030.
21) Pradhan Mantri Kisan Sampada Yojana
About PMKSY
 The Ministry of Food Processing Industries has been implementing the Pradhan Mantri Kisan
Sampada Yojana (PMKSY) since 2017.
 PMKSY is a comprehensive package which aims to create modern infrastructure with efficient
supply chain management from farm gate to retail outlet.
 It aims to provide a big boost to the growth of the food processing sector in the country and also
help in providing better returns to farmers, reducing wastage of agricultural produce, increasing the
processing level and enhancing the export of the processed foods.
Objectives of PMKSY

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 Creation of modern infrastructure for food processing mega food parks/ clusters and individual

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units
 To create effective backward and forward linkages - linking farmers, processors and markets
 To create robust supply chain infrastructure for perishables

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22) Pradhan Mantri Swasthya Suraksha Yojana
About the scheme
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 The PMSSY, under the Ministry of Health and Family Welfare, aims at correcting the imbalances
in the availability of affordable tertiary healthcare facilities in different parts of the country in
general, and augmenting facilities for quality medical education in the under-served States in
particular.
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 The PMSSY was announced in 2003 as a Central Sector Scheme.
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 PMSSY has two components -

o Setting up of AIIMS-like institutions; and
o Up-gradation of existing State Government Medical College (GMCs).
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23) FAME - India

About the scheme
 The National Electric Mobility Mission Plan (NEMMP) 2020 is a National Mission document
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providing the vision and the roadmap for the faster adoption of electric vehicles and their
manufacturing in the country.
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 As part of the NEMMP 2020, the Department of Heavy Industries and Public Enterprises under
the Ministry of Heavy Industries formulated the Faster Adoption and Manufacturing of (Hybrid &)
Electric Vehicles in India (FAME India) Scheme in the year 2015 to promote manufacturing of
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electric and hybrid vehicle technology and to ensure sustainable growth of the same.
The Scheme operates in two phases.
Phase I: started in 2015 and was completed on March 31st, 2019.
Phase II: started from April 1st, 2019, will be completed by March 31st, 2022.
FAME - Phase I
 The 1st Phase of FAME India Scheme was implemented through four focus areas namely (i)
Demand Creation, (ii) Technology Platform, (iii) Pilot Project and (iv) Charging
Infrastructure.
 Market creation through demand incentives was aimed at incentivizing all vehicle segments i.e. 2-
Wheelers, 3-Wheelers Auto, Passenger 4-Wheeler vehicles, Light Commercial Vehicles and Buses.
FAME - Phase II
 The outlay of 10,000 crore has been made for three years till 2022 for FAME 2 scheme.
 The centre has sanctioned investment in setting up charging stations for electric vehicles in India
 The government will offer the incentives for electric buses, three-wheelers and four-wheelers to be
used for commercial purposes.
 Plug-in hybrid vehicles and those with a sizeable lithium-ion battery and electric motor will also be
included in the scheme and fiscal support offered depending on the size of the battery.

24) NIRVIK Yojana

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About the scheme
 The NIRVIK scheme, also called the Export Credit Insurance Scheme (ECIS), aims to provide

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enhanced insurance cover and reduce premium for small exporters. It also simplifies
procedures for their claim settlements.
 The scheme enhances the insurance guarantee cover up to 90% of the principal and interest. At

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present, the Export Credit Guarantee Corporation provides credit guarantee of up to 60% loss.

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Export Credit Guarantee Corporation of India

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 ECGC Ltd is wholly owned by the Ministry of Commerce and Industry.

 Its objective was to promote exports from the country by providing credit risk insurance and
related services for exports.
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25) Pradhan Mantri Matru Vandana Yojana

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About PMMVY:
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 Pradhan Mantri Matru Vandana Yojana (PMMVY) is a Maternity Benefit Programme that is
implemented in all the districts of the country in accordance with the provision of the National Food
Security Act, 2013.
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 The scheme is implemented by the Ministry of Women and Child Development.

 It is a centrally sponsored scheme launched in 2016.
 It is a direct benefit transfer (DBT) scheme under which cash benefits are provided to pregnant
women in their bank account directly to meet enhanced nutritional needs and partially compensate
for wage loss.
 Under the scheme, Pregnant Women and Lactating Mothers (PW&LM) receive a cash benefit of Rs.
5,000 in three installments on fulfilling the respective conditionality, viz. early registration of
pregnancy, ante-natal check-up and registration of the birth of the child and completion of the first
cycle of vaccination for the first living child of the family.
 The scheme covers pregnant and lactating mothers for the birth of the first child.
 The eligible beneficiaries also receive cash incentive under Janani Suraksha Yojana (delivery in a
government hospital). Thus, on an average, a woman gets Rs. 6,000.

26) Prime Minister Employment Generation Programme

About PMEGP
 Prime Minister’s Employment Generation Programme (PMEGP) is a central sector scheme
administered by the Ministry of Micro, Small and Medium Enterprises.
 It is a major credit-linked subsidy programme aimed at generating self-employment
opportunities through establishment of micro-enterprises in the non-farm sector by helping
traditional artisans and unemployed youth.
 At the national level, the Scheme is being implemented by Khadi and Village Industries

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Commission (KVIC), a statutory organization under the administrative control of the Ministry of
MSME as the single nodal agency.

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 At the State level, the Scheme will be implemented through State KVIC Directorates, State Khadi and
Village Industries Boards (KVIBs) and District Industries Centres (DICs) and banks.
 Under the scheme, loans are being provided by all Public Sector Banks, selected Private Sector

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Banks and Co-operative Banks with margin money subsidy being given by the Ministry of MSME
through KVIC.
Scope
 The scheme is applicable to all viable projects in rural as well as urban areas, under the Micro
enterprises sector.
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 The maximum cost of the project admissible under the manufacturing sector is Rs.25 lakhs and the
business/services sector is Rs.10 lakhs.
 Only one person from a family is eligible for obtaining financial assistance under the scheme.
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 Assistance under the Scheme is available only for new projects.
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Eligible Entrepreneurs / Borrowers

 Any individual, above 18 years of age
 The beneficiaries should have passed at least VIII standard, for setting up of project costing above
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Rs.10 lacs in the Manufacturing Sector and above Rs. 5 lacs in the business /Service Sector,
 Self Help Groups
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 Institutions registered under Societies Registration Act, 1860

 Production Co-operative Societies
 Charitable Trusts
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27) Kisan Urja Surakshaevam Utthaan Mahabhiyan

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About the scheme

● Ministry of New and Renewable Energy launched the Pradhan Mantri Kisan Urja Surakshaevem
Utthan Mahabhiyan (PM KUSUM) Scheme for farmers for installation of solar pumps and grid
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connected solar and other renewable power plants in the country. The scheme consists of three
components:
1. Component-A: 10,000 MW of Decentralized Ground Mounted Grid Connected Renewable Power
Plants.
2. Component-B: Installation of 17.50 lakh standalone Solar Powered Agriculture Pumps.
3. Component-C: Solarisation of 10 Lakh Grid-connected Solar Powered Agriculture Pumps.
 The scheme aims to add solar and other renewable capacity of 25,750 MW by 2022 with total
central financial support of Rs. 34,422 Crore including service charges to the implementing
agencies.
Benefits of the Scheme:
 The Scheme will have substantial environmental impact in terms of savings of CO2 emissions. All
three components of the Scheme combined together are likely to result in saving about 27 million
tonnes of CO2 emission per annum.
 Further, Component-B of the Scheme on standalone solar pumps may result in saving of 1.2 billion
liters of diesel per annum and associated savings in the foreign exchange due to reduction of import
of crude oil.
 The scheme has direct employment potential. Besides increasing self-employment the proposal is
likely to generate employment opportunities equivalent to 6.31 lakh job years for skilled and
unskilled workers.

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28) Pradhan Mantri Sahaj Bijli Har Ghar Yojana (Saubhagya)
About the scheme

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 Pradhan Mantri Sahaj Bijli Har Ghar Yojana –“Saubhagya” is a scheme under the Ministry of Power
to ensure electrification of all willing households in the country in rural as well as urban
areas.

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Objective:
 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.

scheme.
Eligibility:
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 Rural Electrification Corporation (REC) has been designated as nodal agency for the Saubhagya

 The prospective beneficiary households for free electricity connections under the scheme would be
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identified using SECC 2011 data.
 However, un-electrified households not covered under SECC data would also be provided electricity
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connections under the scheme on payment of Rs. 500 which shall be recovered by DISCOMs in 10
instalments through electricity bill.
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29) Deen Dayal Upadhyaya Gram Jyoti Yojana

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About the scheme

 The Government of India has launched the scheme “Deendayal Upadhyaya Gram Jyoti Yojana” for
rural electrification.
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 The erstwhile Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY) scheme for village electrification
and providing electricity distribution infrastructure in the rural areas has been subsumed in the
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DDUGJY scheme.
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 Rural Electrification Corporation under the Ministry of Power is the Nodal Agency for
implementation of DDUGJY.
Objectives
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 To provide electrification to all villages

 Feeder separation to ensure sufficient power to farmers and regular supply to other consumers
 Improvement of Sub-transmission and distribution network to improve the quality and reliability of
the supply
 Metering to reduce the losses
Components of the scheme
 Separation of agriculture and non-agriculture feeders facilitating judicious rostering of supply
to agricultural & non-agricultural consumers in the rural areas;
 Strengthening and augmentation of sub-transmission & distribution (ST&D) infrastructure in
rural areas, including metering at distribution transformers, feeders and consumers end;
 Rural electrification

30) Member of Parliament Local Area Development Scheme

About the scheme
 The Members of Parliament Local Area Development Scheme (MPLADS) is a programme first
launched 1993, aimed towards providing funds for developmental works recommended by
individual MPs.
 The objective of the scheme is to enable MPs to recommend works of developmental nature with

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emphasis on the creation of durable community assets based on the locally felt needs to be taken up
in their Constituencies.

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 Under the MPLADS scheme, each MP has the choice of suggesting to the District Collector works to
the tune of Rs 5 crore per annum to be taken up in his or her constituency.
 The Ministry of Statistics and Programme Implementation has been responsible for the policy

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formulation, release of funds and prescribing monitoring mechanism for implementation of the
Scheme.
Jurisdiction
 Lok Sabha Members can recommend works within their Constituencies and Elected Members of
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Rajya Sabha can recommend works within the State of Election (with select exceptions). Nominated
Members of both the Rajya Sabha and Lok Sabha can recommend works anywhere in the country.
 Under MPLADS, the role of the MPs is limited only upto recommendation of works. Thereafter, it is
the responsibility of the District Authority to sanction, execute and complete the works
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recommended by Members of Parliament within the stipulated time.
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 The guidelines recommend MPs to suggest works costing at least 15 per cent of their MPLADS
entitlement for the year for areas inhabited by Scheduled Caste population and 7.5 per cent for
areas inhabited by ST population.
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 In case there is insufficient tribal population in the area of LokSabha Member, they may recommend
this amount for the creation of community assets in tribal areas outside of their constituency but
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within their State of election.

What kind of projects is executed?
 The guidelines lay down a number of development works, including construction of railway halt
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stations, providing financial assistance to recognised educational bodies, cooperative societies, bar
associations, installing CCTV cameras, and rainwater harvesting systems,
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 The MPLADS funds can be merged with other schemes such as MGNREGA and Khelo India.
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31) Swadesh Darshan

About the scheme
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 It is one among the flagship schemes of the Ministry of Tourism for development of thematic
circuits in the country in a planned and prioritised manner.
 The Scheme is 100% centrally funded and efforts are made to achieve convergence with other
schemes of Central and State Governments and also to leverage the voluntary funding available for
Corporate Social Responsibility (CSR) initiatives of Central Public Sector Undertakings and
Corporate Sector.
The scheme has following objectives:
 Promote cultural and heritage value of the country to generate livelihoods in the identified regions;
 Follow community based development and pro-poor tourism approach;
 Create employment through active involvement of local communities;
 Tourist circuits are identified under this scheme. Tourist Circuit is defined as a route having at
least three major tourist destinations which are distinct and apart. Circuits should have well defined
entry and exit points. A tourist who enters should get motivated to visit most of the places identified
in the circuit.
 A Circuit could be confined to a State or could be a regional circuit covering more than one
State/Union Territory. These circuits may have one dominant theme and other sub-themes.
 Projects under the scheme shall be under the following identified themes; Eco-tourism, Wildlife,
Buddhist, Desert, Spiritual, Ramayana, Krishna, Coastal, Northeast, Rural, Himalayan, Tribal
and Heritage.

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32) Eklavya Model Residential School
About EMRS

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 The scheme of Eklavya Model Residential Schools (EMRSs) was introduced in the year 1997-98
with an objective to provide quality middle and high-level education to Scheduled Tribe (ST)
students in remote areas in order to enable them to avail of reservation in high and

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professional educational courses and get jobs in government and public and private sectors.
 The schools focus not only on academic education but on the all-round development of the
students. Each school has a capacity of 480 students, catering to students from Class VI to XII.
 It has been decided that by the year 2022, every block with more than 50% ST population
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and at least 20,000 tribal persons, will have an EMRS.
 EMRS are set up in States/UTs with grants under Article 275(1) of the Constitution of India.
 The scheme is being implemented by the Ministry of Tribal Affairs.
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33) Khelo India
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About the programme

 The Khelo India programme has been introduced to revive the sports culture in India at the
grass-root level by building a strong framework for all sports played in our country and
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establish India as a great sporting nation.

 The Khelo India scheme is organised under the Ministry of Youth Affairs & Sports.
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 Talented players identified in priority sports disciplines at various levels by the High-Powered
Committee will be provided annual financial assistance of INR 5 lakh per annum for 8
years.
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34) Sagarmala
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About the programme

 The Sagarmala project seeks to develop a string of ports around India’s coast. The objective
of this initiative is to promote “Port-led development” along India’s 7500 km long coastline.
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 It aims to develop access to new development regions with intermodal solutions and
promotion of the optimum modal split, enhanced connectivity with main economic centres and
beyond through expansion of rail, inland water, coastal and road services.
 The Union Ministry of Shipping has been appointed as the nodal ministry for this initiative.
Components of Sagarmala Programme are:
 Port Modernization & New Port Development: Debottlenecking and capacity expansion of
existing ports and development of new greenfield ports
 Port Connectivity Enhancement: Enhancing the connectivity of the ports to the hinterland,
optimizing cost and time of cargo movement through multi-modal logistics solutions including
domestic waterways (inland water transport and coastal shipping)
 Port-linked Industrialization: Developing port-proximate industrial clusters and Coastal
Economic Zones to reduce logistics cost and time of EXIM and domestic cargo
 Coastal Community Development: Promoting sustainable development of coastal
communities through skill development & livelihood generation activities, fisheries
development, coastal tourism etc.
 Coastal Shipping & Inland Waterways Transport: Impetus to move cargo through the
sustainable and environment-friendly coastal and inland waterways mode.

Other Important schemes

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1) Institute of Eminence

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About the scheme:
 The Institute of Eminence Scheme (IOE Scheme) was announced in 2016 to improve the
ranking of Indian higher educational institutions at the global level.

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 Under this scheme, the Ministry of Human Resource Development (HRD) will select 20 IoEs
— 10 public and 10 private and establish them as world class institutes in the country.
 These twenty institutions will be provided with greater autonomy, grants and special
preferences.
Criteria For Selection Of Institutions: AC
 Institutions which are under top fifty in National Institutional Ranking Framework are
eligible for applying for IOE status, Or
 Top 500 in internationally recognised rankings like the Times Higher Education World
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University Rankings.
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Features of IOE status:

 The 10 public institutions which will be selected, will get Rs 1,000 crore each from the HRD
Ministry to achieve world-class status. The government will offer no financial assistance to
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the private institutions.

 For both private and public institutions, administrative autonomy will be given. Curriculum,
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course structure, fee structure, salary structure can be designed by themselves.

 Up to 25% of faculties can be hired from abroad, about 30% of students from abroad can be
given admissions, almost 20% of the courses can be given online.
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 There will be no restrictions from UGC in terms and services conditions as the scheme aims
to promote administrative autonomy for the better innovation ecosystem.
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 Apart from public and private, IOE status can be also given to greenfield institutions
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(Institution which is yet to start) for encouraging new players.

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2) Pradhan Mantri Kisan Maan-Dhan Yojana

About the Scheme:
 Pradhan Mantri Kisan Maan Dhan Yojana is a new pension scheme and it offers a guaranteed
income to farmers in their old age.
 It is a Central Sector Scheme under the Ministry of Agriculture and Farmers' Welfare.
 It is voluntary and contributory in nature and it entitles beneficiary a monthly pension of Rs
3,000 on attaining the age of 60 years.
 Eligibility: The scheme is open to small and marginal farmers owning less than two ha land in
the age group of 18-40 years.
 Farmers will have to make a monthly contribution between Rs 55 and Rs 200, depending on
the age of entry. The Centre will contribute the same amount that the farmer pays.
 The pension fund will be managed by the Life Insurance Corporation of India.
 Farmers, who are beneficiaries of the PM-Kisan Scheme, will have the option to allow their
contribution be debited from the benefit of that Scheme directly.
 Note: PM KISAN scheme is open to all farmers irrespective of land holdings, Pradhan Mantri
Kisan Maan Dhan Yojana (PM-KMY) is for farmers owning less than two ha land.

3) Pradhan Mantri Shram Yogi Maan-dhan

About Pradhan Mantri Shram Yogi Maan-dhan
 It is a Central Sector pension scheme to ensure old age protection for Unorganised

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Workers.
 It was launched in March 2019.

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 It is administered by the Ministry of Labour and Employment and implemented through Life
Insurance Corporation of India and Common Service Centres (CSCs).
 LIC will be the Pension Fund Manager and responsible for Pension pay out.

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Eligibility:
 The Unorganised workers 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.
 They should not be covered under New Pension Scheme (NPS), Employees’ State Insurance

 He/she should not be an income tax payer.

Salient Feature of PM-SYM:
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Corporation (ESIC) scheme or Employees’ Provident Fund Organisation (EPFO).

 Matching contribution by the Central Government: PM-SYM is a voluntary and contributory

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

 Minimum Assured Pension: Each subscriber under the PM-SYM, shall receive a minimum
assured pension of Rs 3000/- per month after attaining the age of 60 years.
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 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
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pension. Family pension is applicable only to the spouse.

4) Pradhan Mantri Laghu Vyapari Maan-dhan Yojana

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About Pradhan Mantri Laghu Vyapari Maan-dhan Yojana

 The National Pension Scheme for Traders and Self-Employed Persons Yojana (also known as
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Pradhan Mantri Laghu Vyapari Maan-dhan Yojana) is a pension scheme for shopkeeper’s/
retail traders and self-employed persons.
 It was launched in September 2019 by the Ministry of Labour and Employment.
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 It is a voluntary and contribution based central sector scheme which provides a monthly
minimum assured pension of Rs 3000/- for eligible beneficiaries.
Eligibility
 The scheme is open traders and self-employed persons within the age group of 18-40 years.
 Small traders whose annual turnover does not exceed Rs 1.5 crore.
 The following are not eligible to join the Scheme
1. If covered under National Pension Scheme/ Employees’ State Insurance Corporation Scheme/
Employees’ Provident Fund Scheme/ Pradhan Mantri Shram Yogi Maan dhan.
2. Is an income-tax assessee.
5) Pradhan Mantri Van Dhan Yojana
About Pradhan Mantri Van Dhan Yojana
 The Van Dhan Scheme is an initiative of the Ministry of Tribal Affairs and TRIFED.
 It seeks to improve tribal incomes through value addition of tribal products.
 The scheme aims at economic development of tribal involved in the collection of Minor Food
Produces (MFPs) by helping them in optimum utilization of natural resources and provide
them a sustainable livelihood.
Importance of MFP
 Minor Forest Produce means all non-timber forest produce of plant origin and will include
bamboo, canes, fodder, leaves, gums, waxes, dyes, resins and many forms of food including
nuts, wild fruits, Honey, Lac, Tusser etc.

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 MFP is a major source of livelihood for tribals living in forest areas. Tribals derive 20-40% of
their annual income from MFP.

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6) Vayoshreshtha Samman
Vayoshreshtha Samman

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 Vayoshreshtha Samman is a scheme of awards instituted by the Ministry of Social Justice &
Empowerment.
 It was gradually upgraded to the status of National Awards, for institutions involved in

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rendering distinguished service for the cause of elderly persons especially indigent senior
citizens and to eminent citizens in recognition of their service/achievements.
 These awards are presented as part of the celebration of the International Day of Older Persons
(IDOP) which is celebrated every year on 1st October.
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7) Atal Pension Yojana
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About the scheme

 Atal Pension Yojana (APY) is a pension scheme for workers in the unorganised sector like
personal maids, drivers, gardeners etc. It was launched in 2015.
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 APY aims to help these workers save money for their old age while they are working and
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guarantees returns post retirement.

 APY is administered by the Pension Fund Regulatory and Development Authority
(PFRDA).
 The scheme also promises a co-contribution by the Central Government of 50% of the
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subscriber’s contribution or Rs. 1,000 per annum, whichever is lower. The Government co-
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contribution is available for those who are not covered by any Statutory Social Security
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Schemes and is not an Income Tax payer.

Eligibility
 A person is eligible for the Atal Pension Yojana if they are:
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1. An Indian citizen
2. Have a valid bank account
3. Are between 18 and 40 years of age.
What is the monthly contribution?
 APY is a periodic contribution based pension plan and promises a minimum guaranteed
monthly pension of Rs 1,000 to Rs 5,000 at the age of 60 years depending on the contributions
by the subscribers.

8) Jan Shikshan Sansthan (JSS)

About the scheme:
 Jan Shikshan Sansthan provides vocational skills to non-literate, neo-literates as well as school
drop-outs by identifying skills that are useful in their region.
 The Scheme is under the Ministry of Skill Development and Entrepreneurship.
Target Group:
 Socio-economically backward and educationally disadvantaged groups of rural/urban
population.
 Main target include non-literate, neo-literates, person educated up to 8th standard, and school
drop-outs in the age group of 15-35 years.
 Priority will be given to women, SC, ST, OBC and Minorities in rural areas and urban slums.

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9) Jal Shakti Abhiyan
About the initiative:

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 The Minister of Jal Shakti launched Jal Shakti Abhiyan (JSA), a time bound campaign with a
mission mode approach intended to improve water availability including groundwater
conditions in the water stressed blocks of 256 districts in India.

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 The campaign will look into the progress made in harvesting, conserving and bore well
recharge activities under the
○ Mahatma Gandhi National Rural Employment Guarantee Scheme of Ministry of Rural
Development
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○ Integrated Watershed Management Program of the Ministry of Rural Development
○ Water body Restoration activities of Jal Shakthi Ministry
○ Afforestation program of the Ministry of Environment, Forests and Climate Change.
 KisanVigyanKendras will be roped in to promote better crop choices for the farmers and
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efficient use of water for irrigation.
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Kisan Vigyan Kendras:

 Krishi Vigyan kendras was established by Indian Council of Agricultural Research (ICAR) (a
autonomous body for education and research under the Ministry of Agriculture and Farmers'
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Welfare)
 It connects farmers and ICAR for the purpose of training, technology transfer etc.,
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10) Merchandise Exports from India Scheme

About the scheme:
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 The government introduced Merchandise Exports from India Scheme (MEIS) through the
Foreign Trade Policy (FTP) 2015-20.
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 Under the scheme the government provides duty benefits (rewards/duty credit scripts) to
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exporters of notified commodity produced or manufactured in India.

 This reward can be used for payment of various kinds of taxes including customs and duties.
 It is implemented by the Ministry of Commerce and Industry.
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 It makes the exporters competitive in the international market including Europe, The United
States of America and Africa.
 The incentives under MEIS are also available to units located in Special Economic Zones (SEZs).

11) RoDTEP
About the scheme
 The government has launched the Scheme for Remission of Duties or Taxes on Export
Product (RoDTEP) to replace the Merchandise Exports from India Scheme (MEIS).
 The scheme will reimburse taxes and duties paid by exporters such as value added tax, coal
cess, mandi tax, electricity duties and fuel used for transportation, which are not getting
exempted or refunded under any other existing mechanism.
 The government has decided to replace the MEIS as it was found to violate the World Trade
Organization rules. RoDTEP is a WTO-consistent scheme.

12) Transport and Marketing Assistance (TMA)

About the scheme
 Aim: To provide assistance for the international component of freight and marketing of
agricultural produce.
 The Scheme would be available for exports from March 2019 to March 2020.

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 Under the scheme, the government will reimburse a certain portion of freight charges and
provide assistance for marketing of agricultural produce to boost exports of certain

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commodities.
 It was launched by the Ministry of Commerce & Industry.
Coverage:

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 All exporters, duly registered with the relevant Export Promotion Council as per Foreign
Trade Policy, of eligible agricultural products shall be covered under this scheme.
 It is likely to mitigate disadvantage of higher cost of transportation of export of specified
agricultural products due to trans-shipment.

13) STRIDE
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What is STRIDE?
 The ‘Scheme for Trans-Disciplinary Research for India’s Developing Economy’ (STRIDE) will
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provide support to research projects that are socially relevant, locally need-based, nationally
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important and globally significant.

 It was launched by the University Grants Commission (UGC).
 Under this scheme UGC will provide grants to various universities, colleges which proposes to
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nurture innovation and research through various projects.

Objectives:
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 To identify young talent, strengthen research culture, build capacity, and promote innovation
and support trans-disciplinary research for India’s developing economy and national
development.
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 To fund multi institutional network high-impact research projects in humanities and human
sciences.
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About UGC
 The University Grants Commission is a statutory body set up by the Indian Union government
in accordance with the UGC Act 1956 under Ministry of Human Resource Development.
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 It is charged with coordination, determination and maintenance of standards of higher

education.
 It provides recognition to universities in India, and disburses funds to such recognised
universities and colleges.

14) Atal Bimit Vyakti Kalyan Yojana

About the scheme
 It aims to financially support those who lost their jobs or rendered jobless for whatsoever
reasons due to changing employment patterns.
 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 a maximum 90 days of unemployment
once in the lifetime of the Insured Person.
 It was launched by the Employees' State Insurance Corporation (ESIC).
Eligibility:
 Employees covered under Section 2(9) of the ESI Act 1948.
 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 contingency of unemployment should not have been as a result of any punishment for

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misconduct or superannuation or voluntary retirement.
Employees' State Insurance Corporation

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 It was established under the Employees’ State Insurance Act, 1948 (ESI Act) by the Ministry of
Labour and Employment.
 It is an autonomous organization and it manages the funds of all employees earning Rs 21,000
or less per month.

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 Employees’ State Insurance includes self-financing social security and health insurance scheme
for Indian workers.

15) Seva Bhoj Yojana

About Seva Bhoj Yojana:
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 Seva Bhoj Yojna is a Central Sector Scheme launched by the Ministry of Culture.
 Under the scheme, the Central Government provides reimbursement of CGST and Central
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Government’s share of IGST paid by charitable/religious institutions on purchase of specific
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raw food items for serving free food to the public.

Features:
 The financial assistance will be provided for free food offered by charitable/religious
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institutions like Gurudwara, Temples, Dharmik Ashram, Mosques, Dargah, Church, Math,
Monasteries etc.
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 These Charitable Religious Institutions should have been distributing free food in the form of
‘prasad’, ‘langar’/bhandara (community kitchen) to at least 5000 persons in a calendar month
for at least the past 3 years to be eligible for the scheme.
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16) Mission for Empowerment and Protection for Women

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About the mission:

 It is an initiative of the Ministry of Women and child development.
 The National Mission for Empowerment of Women (NMEW) was operationalised during 2011-
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12 with the aim of achieving holistic empowerment of women.

Various components:
 Mahila Shakti Kendra scheme empowers rural women through community participation by
involvement of Student Volunteers. The scheme is envisaged to work at various levels and at
the national and state level technical support to the respective government on issues related to
women is provided.
 Swadhar Greh scheme targets the women victims of unfortunate circumstances who are in
need of institutional support for rehabilitation so that they could lead their life with dignity.
 Ujjawala is a comprehensive scheme to combat trafficking with the objective to prevent
trafficking of women and children for commercial sexual exploitation, to facilitate rescue
victims and placing them in safe custody.
 Beti Bachao Beti Padhao (BBBP) scheme is a tri-ministerial initiative of Ministries of Women
and Child Development, Health & Family Welfare and Human Resource which focuses on
awareness and advocacy campaign for changing mind-sets, multi-sectoral action in select
districts, enabling girls’ education and effective enforcement of Pre-Conception & Pre Natal
Diagnostic Techniques (PC & PNDT) Act.
 One Stop Centre (OSC) facilitates access to an integrated range of services including police,
medical, legal, psychological support and temporary shelter to women affected by violence.
The Scheme is funded through Nirbhaya Fund.

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17) Paramarsh Scheme

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What is it?
 It is a University Grants Commission (UGC) scheme for mentoring National Accreditation
and Assessment Council (NAAC) Accreditation Aspirant Institutions to promote Quality

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Assurance in Higher Education.
 The Scheme will be operationalized through a “Hub & Spoke” model wherein the Mentor
Institution, called the “Hub” is centralized and will have the responsibility of guiding the
Mentee institution through the secondary branches the “Spoke” through the services provided
to the mentee for self improvement.
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 This scheme will target 1000 Higher Education Institutions for mentoring with a specific focus
on quality as enumerated in the UGC “Quality Mandate”. Mentor-Mentee relationship will not
only benefit both the institutions but also provide quality education to the 3.6 crore students
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who are enrolling to Indian Higher Education system at present.
 This allows a centralized control over operational efficiency, resource utilization to attain
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overall development of the mentee institution.

About NAAC
 The National Assessment and Accreditation Council was established in 1994 as an
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autonomous institution of the UGC.

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 It conducts assessment and accreditation of Higher Educational Institutions (HEI) to derive an

understanding of the ‘Quality Status’ of the institution.

18) Atal Bhujal Yojana

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About Atal Bhujal Yojana (ATAL JAL)

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 ATAL JAL is an initiative for ensuring long term sustainability of groundwater resources in
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the country.
 It is implemented by the Department of Water Resources, River Development & Ganga
Rejuvenation under the Ministry of Jal Shakti which is adopting a mix of 'top down' and
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'bottom up' approaches in identified ground water stressed blocks in seven states,
representing a range of geomorphic, climatic and hydrogeologic and cultural settings.
 ATAL JAL has been designed with the principal objective of strengthening the institutional
framework for participatory groundwater management and bringing about behavioural
changes at the community level for sustainable groundwater resource management.
Coverage
 The scheme covers identified priority areas in seven States, viz. Gujarat, Haryana, Karnataka,
Madhya Pradesh, Maharashtra, Rajasthan and Uttar Pradesh.
Funding pattern
 Out of the total outlay of Rs. 6000 crores to be implemented over a period of 5 years (2020-21
to 2024-25), 50% shall be in the form of World Bank loan.
 The remaining 50% shall be through Central Assistance from regular budgetary support.

19) PM-AASHA
About PM-AASHA
 In 2018, the government launched the new crop procurement policy- Pradhan Mantri
Annadata Aay Sanrakshan Abhiyan (PM-AASHA) to ensure that farmers growing oilseeds,
pulses and copra actually get the MSP they are promised for their crops every year.
 The new scheme is envisaged to be a mix of sub-schemes and has three major components.
1. Price Support Scheme (PSS)

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2. Price Deficiency Payment Scheme (PDPS)
3. Pilot of Private Procurement & Stockist Scheme (PPPS)

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 PSS involves direct procurement from farmers which will kick in when prices of pulses,
oilseeds and copra fall below MSP, up to a maximum limit of 25% of the total harvest.
 PDPS, which had been framed on the lines of Madhya Pradesh government's Bhavantar

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Bhugtan Yojana, will be available only for oilseeds with farmers directly receiving payments
in their bank accounts when they sell at prices lower than MSP. The government will not
undertake physical procurement of crops under this scheme.
 Under PPPS, participation of the private sector in procurement operations is to be piloted.

20) Soil Health Card

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About the scheme
 The Soil Health Card (SHC) scheme is promoted by the Ministry of Agriculture and Farmers'
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Welfare to provide information to farmers on nutrient status of their soil along with
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recommendations on appropriate dosage of nutrients to be applied for improving soil health

and its fertility.
 Launched in 2015, it is being implemented through the Department of Agriculture of all the
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State and Union Territory Governments.

Constituents of a Soil Health Card
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 SHC is a printed report that a farmer will be handed over for each of his holdings.
 It will contain the status of his soil with respect to 12 parameters, namely N,P,K
(Macronutrients); S (Secondary- nutrient); Zn, Fe, Cu, Mn, Bo (Micronutrients); and pH, EC, OC
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(Physical parameters).
 Based on this, SHC will be made available once in a cycle of 3 years, which will indicate the
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status of soil health of a farmer’s holding for that particular period.

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21) Crop Insurance Schemes

About Pradhan Mantri Fasal Bima Yojana (PMFBY)
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 PMFBY launched in 2016, provides a comprehensive insurance cover against crop damage or
loss arising out of unforeseen events thus helping in stabilising the income of the farmers and
encouraging them for adoption of innovative practices.
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 The scheme is administered by the Ministry of Agriculture and Farmers' Welfare.

 Crops covered : Oilseed crops; all food crops; Annual commercial/horticultural crops
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 Eligibility criteria : The scheme is mandatory for the farmers who have borrowed
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institutional loans from banks, and it is optional for the farmers who have not availed
institutional credit.
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 Premium : There will be a uniform premium of 2% to be paid by farmers for all Kharif crops
and 1.5% for all Rabi crops. For annual commercial and horticultural crops, the premium to be
paid by farmers will be 5%.
 The difference between premium and the rate of Insurance charges payable by farmers shall be
shared equally by the Centre and State.
 Coverage : It aims at covering the losses suffered by farmers such as pre- sowing losses, post-
harvest losses due to cyclonic rains and losses due to unseasonal rainfall in India. It also covers
losses due to localized calamities such as inundation, hailstorm and landslide risks.
 Exclusions : The losses arising out of war and nuclear risks, malicious damage and other
preventable risks are not covered under this scheme.
 The scheme is implemented by empanelled general insurance companies. The funds for the
scheme come from the Krishi Kalyan Kosh.
 Krishi Kalyan Kosh (farmers’ welfare fund) is an emergency fund to support farmers when they
incur losses due to low rates of produce, crop damage due to natural disasters, and to assist
them when there is a delay in payment of minimum support price (MSP) by the Centre.
Restructured Weather Based Crop Insurance Scheme (RWBCIS)
 The RWBCIS was launched in 2016 to mitigate the hardship of the insured farmers against the
likelihood of financial loss on account of anticipated crop loss resulting from adverse weather
conditions relating to rainfall, temperature, wind, humidity etc.
 The scheme uses weather parameters as “proxy‟ for crop yields in compensating the
cultivators for deemed crop losses. Pay-out structures are developed to the extent of losses

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deemed to have been suffered using the weather triggers.
 The scheme is mandatory for the farmers who have borrowed institutional loans from banks,

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and it is optional for the farmers who have not availed institutional credit.
 The scheme is being administered by the Ministry of Agriculture and Farmers' Welfare.
 Coverage of Crops, Premium, Share of centre& states : Same as PMFBY
Recent changes

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 Recently, the Union Cabinet approved the revamp of the Pradhan Mantri Fasal Bima Yojana
and the Restructured Weather Based Crop Insurance Scheme to enable quick and accurate
yield estimation thus leading to faster claims settlement.

with existing crop loans. AC

 The enrolment in the two schemes has been made voluntary for all farmers, including those

 The Centre has reduced its share of the premium subsidy under PMFBY/RWBCIS from the
current 50% to 25% in irrigated areas and 30% for unirrigated areas from the kharif season of
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2020. Districts having 50 per cent or more irrigated area will be considered as irrigated
area/district.
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 Central share in premium subsidy is increased to 90 per cent for north eastern states from the
existing sharing pattern of 50:50 under both the schemes.
 Technology solutions like Smart Sampling Technique (SST) to be adopted during assessment
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exercises.
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 The Centre has given states/UTs the option to select any number of additional risk
covers/features like prevented sowing, localised calamity, mid-season adversity, and post-
harvest losses. Earlier, these risk covers were mandatory.
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22) Janani Shishu Suraksha Karyakaram

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About the scheme:

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 Janani Shishu Suraksha Karyakaram (JSSK) was launched in 2011 by the Ministry of Health
and Family with the objective to eliminate out-of-pocket expenses for pregnant women
and sick infants accessing public health institutions for treatment.
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 JSSK entitles all pregnant women delivering in public health institutions, to absolutely free
delivery including Caesarean section, postnatal care and treatment of sick infants till one year
of age.
 The entitlements include free drugs and consumables, free diet up to 3 days during normal
delivery and up to 7 days for C-section, free diagnostics, and free blood wherever required.
 This initiative also provides for free transport from home to institution, between facilities in
case of a referral and drop back home.
 The initiative was estimated to benefit more than 1 crore pregnant women access public health
institutions every year in both urban and rural areas.
 Similar entitlements have been put in place for all sick newborns accessing public health
institutions for treatment till 30 days after birth. This has now been expanded to cover sick
infants till one year of age.

23) Mahatma Gandhi Bunkar Bima Yojana

About the scheme
 Since 2005-06, the Ministry of Textiles is implementing the Mahatma Gandhi Bunkar Bima
Yojana (MGBBY) for providing social security benefits like life, accidental & disability insurance
coverage to handloom weavers/workers in the age group of 18-59 years across the
country.
 The scheme is administered by the Life Insurance Corporation of India (LIC).

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 The annual premium of MGBBY is Rs.470/- which is shared as under:
1. Government of India Rs.290/-

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2. Weaver Rs.80/-
3. Implementing Agency Rs.100/-
Eligibility Criteria

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 For those who wish to be insured under this scheme, certain basic eligibility criterion has to be
fulfilled to avail the benefits of the Scheme.
1. All weavers, whether male or female, between the age group of 18 and 59 years are eligible to
be covered under the scheme.

What is the benefit?

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2. The weaver should be earning at least 50 % of his income from handloom weaving.

 The basic objective of MGBBY is to provide enhanced insurance coverage to the handloom
weavers in the case of natural as well as accidental death and also in case of total disability or
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partial disability.
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 Besides this, student’s scholarship is also provided to the children of enrolled weaver
members.
 A scholarship of Rs. 600/- per six months per child (maximum two children) is paid to students
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studying in standard IX to XII for a maximum period of four years or till they complete XII
standard under additional benefit of MGBBY i.e. Siksha Sahayak Yojana.
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24) Solar Charkha Mission
About the Mission
 It is an enterprise driven scheme of the Ministry of Micro Small & Medium Enterprises
(MSME) to ensure inclusive growth by generation of employment, especially for women and
youth, and sustainable development through solar charkha clusters in rural areas.
 These solar charkhas are to be operated using solar power which will help in development of
Green Economy and generate sustainable employment for the artisans.
 The scheme also aims to boost rural economy and help in arresting migration from rural to
urban areas. It is envisaged to generate direct employment for nearly one lakh persons.
 The Khadi and Village Industries Commission (KVIC)is implementing the programme.
About KVIC
 The Khadi & Village Industries Commission is a statutory organization established under the
Khadi and Village Industries Commission Act, 1956.

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 It is engaged in promoting and developing khadi and village industries for providing
employment opportunities in rural areas, thereby strengthening the rural economy.

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 It functions under the Ministry of Micro Small & Medium Enterprises.

25) Pradhan Mantri Bhartiya Janaushadhi Pariyojana

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About PMBJP
 Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) is a campaign launched by the
Department of Pharmaceuticals to provide quality medicines at affordable prices to the
masses.
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 PMBJP stores have been set up to provide generic drugs, which are available at lesser prices but
are equivalent in quality and efficacy as expensive branded drugs.
 Bureau of Pharma PSUs of India (BPPI) is the implementation agency for PMBJP.
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Who can open a Jan Aushadhi store?

 State Governments or any organization / reputed NGOs / Trusts / Private hospitals / charitable
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institutions / Doctors / Unemployed pharmacists/ individual entrepreneurs are eligible to apply

for new Jan Aushadhi stores.
 The applicants shall have to employ one B Pharma / D Pharma degree holder as Pharmacist in
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their proposed store.

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About BPPI
 The Bureau of Pharma PSUs of India comprising all the Pharma central public sector
undertakings (CPSUs) under the Department of Pharmaceuticals was established in 2008.
 It aims to bring about effective collaboration and cooperation in furthering the working and
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resources of these organizations.

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26) Pradhan Mantri Ujjwala Yojana

About the scheme
 Launched in 2016, Pradhan Mantri Ujjwala Yojana is a scheme of the Ministry of Petroleum &
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Natural Gas which aims to safeguard the health of women & children by providing them with a
clean cooking fuel – LPG.
 The scheme provides free LPG connections to economically weaker families. The
connections are issued in the name of women of the households.
 Under the scheme, cash assistance of Rs. 1600 is given to the beneficiaries to get a deposit-free
new connection.
 Further, interest free loans are provided to purchase stove and refill by Oil Marketing
Companies.
 Initially, the beneficiaries under PMUY were identified either from the SECC list or from seven
other identified categories.
 In 2018, the Government extended the benefit to all left out poor families not having LPG
connections and not covered under the existing beneficiary categories.

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 The scheme has almost 7 crore beneficiaries and made an entry in the Guinness Book of Records
as the largest Direct Benefit transfer.

27) Sabka Vishwas

About Sabka Vishwas (Legacy Dispute Resolution) Scheme, 2019
 It was proposed in the Union Budget, 2019.
 It aims to resolve all disputes relating to the erstwhile Service Tax and Central Excise Acts,
which are now subsumed under GST, as well as 26 other Indirect Tax enactments.
 The scheme will be for taxpayers who wish to close their pending disputes, with a substantial
relief provided by the government.
 The scheme has been notified by the Central Board of Indirect Taxes and Customs (CBIC).
Benefits to taxpayers
 Taxpayers can pay the outstanding tax amounts due and be free from any other consequences

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under the Law.
 Taxpayers will get substantial relief in the form of full waivers of interest, penalties and fines.

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 There will be complete amnesty from prosecution proceedings.

28) Kisan Credit Card

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About the Scheme
 The Kisan Credit Card (KCC) scheme was launched in 1998 with the aim of providing short-term
formal credit to farmers.
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 The beneficiaries under the scheme will be issued with a Smart card/ Debit card.
 It enables farmers to purchase agricultural inputs such as seeds, fertilizers, pesticides, etc. and
draw cash to satisfy their agricultural and consumption needs.
Eligibility:
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 Small farmers, marginal farmers, sharecroppers, oral lessee and tenant farmers.
 The Self Help Groups (SHGs) or Joint Liability Groups (JLGs) are also eligible for availing benefits
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under the said scheme.

 KCC has been extended to farmers who are involved in activities related to animal husbandry
and fisheries.
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 Under the KCC Scheme, a flexible limit of Rs.10,000 to Rs.50,000 has been provided to marginal
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farmers (as Flexi KCC) based on the land holding and crops grown.
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