PM Scheme Details

PRADHAN MANTRI MUDRA YOJANA [PMMY]
About PMMY Scheme:

Launched On: April 8, 2015
Launched By: Prime Minister Narendra Modi
Aim: To Provide Loans upto 10 lakh to the non- corporate, non- farm small/micro
enterprises.
Comes under: Ministry of Finance
These Loans are Classified as MUDRA loans under PMMY:

• MUDRA has been initially formed as a wholly-owned subsidiary of Small
Industries Development Bank of India (SIDBI) with 100% capital being contributed
by it.
• Presently, the authorized capital of MUDRA is 1000 crores and paid-up capital is
750 crore, fully subscribed by SIDBI.
Quantum of Loan(Min/Max):-
• Maximum loan amount : upto Rs.10 lakhs.
• Loans from Rs.50,000 are categorised as SHISHU .
• Loans from Rs.50,001 to Rs.500,000 are categorised as KISHORE .
• Loans from Rs.500,001 to Rs.10,00,000/- are categorised as TARUN.
• PMMY helped in generation of 1.12 crore net additional employment during a
period of approximately 3 years ( from 2015 to 2018).
PRADHAN MANTRI MUDRA YOJANA[PMMY MCQ
Q. Which of the following scheme is for collateral free loans to to Small/Micro enterprises and
individuals in the non agriculture sector.
A) PMMY
B) PMEP
C) PMVVY
D) PMJDY
Answer:- A
Q.What does R stands for in MUDRA?

A) Return
B) Refinance
C) Ratio
D) Risk
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Answer:- B
[MUDRA stands for Micro Unit Development Refinance Agency]
Q. MUDRA Bank is a Subsidiary of?

A) RBI
B) SEBI
C) SIDBI
D) NABARD
Answer:- C
Q.What is the maximum limit of loan under MUDRA Yojana?

A) 1 lakh
B) 5 lakh
C) 50 lakh
D) 10 lakh
Answer:- D
Q. How many schemes/products are available under MUDRA Yojana?

A) 2
B) 3
C4
D) 5
Answer:- B
[There are three types of mudra loan schemes, namely Tarun, Kishor, and Shishu.]
Q.What is the maximum loan limit under the Shishu product of MUDRA Yojana?
A) 50,000
B) 10 lakh
C) 1 lakh
D) 5 lakh
Answer:- A
Q.What is the maximum loan limit under the Kishore product of MUDRA Yojana?
A) 1 lakh
B) 5 lakh
C) 10 lakh
D) 15 lakh
Answer:- B
Q.What is the maximum loan limit under the Tarun product of MUDRA Yojana?
A) 10 lakh
B) 5 lakh
C) 1 lakh
D) 50,000
Answer:- A
Q.Which of the following cannot grant loans under MUDRA Yojana?

A) Private Sector Banks
B) Micro Finance Institutions
C) Non-Banking Finance Companies

D) Payments Bank
Answer:- D
Q.Which of the following activities can be granted loan under MUDRA Yojana?
A) Purchase of Transport Vehicle
B) Food Products Sector
C) Textile Products Sector
D) Agricultural Loans
Answer:- D
Q. Recently Pradhan Mantri Mudra Yojana (PMMY) has completed how many years?
A) 7 years
B) 8 years
C) 9 years
D) 6 years
Answer:- B
Explanation:- On April 8 , 2023 Pradhan Mantri Mudra Yojana (PMMY)completed Eight years. It
was launched on April 8,2015
Q. As on 31 March 2022, NPA( non performing assets) in MUDRA stood at ____%

A) 2.25%
B) 4.50
C) 1.25%
D) 3.17%
Answer:- D
Explanation:- According to Minister of state for finance Bhagwant Karad in December last year had
informed parliament that the total non performing assets in MUDRA loans stood at 3.17% as of
March 2022.
Q. According to finance ministry, nearly ___% of the accounts under the scheme belong to Sc/St/obc
entrepreneurs?
A) 51%
B) 54%
C) 57%
D) 61%
Answer:- A
Explanation:- According to finance ministry, about 51% of the accounts under the scheme belong to
Sc/St/obc entrepreneurs
Q. According to finance ministry, nearly ___% of the accounts under the scheme belong to women
entrepreneurs?
A) 66%
B) 67%
C) 68%
D) 77%
Answer:- C
Explanation:- According to finance ministry, nearly 68% of the accounts under the scheme belong to
women entrepreneurs

Q.Since the launch of the Pradhan Mantri Mudra Yojana (PMMY) eight years ago, more than 40.82
crore loan worth _ have been sanctioned so far.
A) 22.2 lakh crore
B) 32.2 lakh crore
C) 23.2 lakh crore
D) 20.2 lakh crore
Answer:- C
Explanation:- Q.Since the launch of the Pradhan Mantri Mudra Yojana (PMMY) eight years ago,
more than 40.82 crore loan worth 23.2 lakh crore have been sanctioned so far.
Q.The average ticket size of loans under Pradhan Mantri Mudra Yojana (PMMY/MUDRA) has
nearly doubled to ____in FY23 from ₹38,000 in FY16, according to State Bank of India’s economic
research department.
A) ₹76,000
B) ₹75,000
C) ₹72,000
D) ₹74,000
Answer:- C
Explanation:- average ticket size of loans under Pradhan Mantri Mudra Yojana (PMMY/MUDRA)
has nearly doubled to ₹72,000 in FY23 from ₹38,000 in FY16, according to State Bank of India’s
economic research departmen
Q.The gap between sanctioned and disturbed under Pradhan Mantri Mudra Yojana (PMMY) has
declined to an all -time low level of _% at the end of FY23
A) 2.23%
B) 1.35%
C) 1.07%
D) 2.33%
Answer:- B
Explanation:-The gap between sanctioned and disturbed under Pradhan Mantri Mudra Yojana
(PMMY) has declined to an all -time low level of 1.35% at the end of FY23.Earlier the gap between
sanctioned and disbursed under PMMY stood at 2.2% and 3.3%.
PRADHAN MANTRI FASAL BIMA YOJANA ( PMFBY )
About PMFBY Scheme

• Launched on:- 18th Feb,2016
• Launched by:- PM MODI at Sehore in Madhya Pradesh
• PMFBY Comes Under:- Ministry of Agriculture and farmers welfare
• Aim:- To reduce the Premium burden of farmers and ensure early settlement lement of crop
assurance claim for the full insured sum.
• Objective:- To stabilise the income of farmers to ensure their continuance in farming . To
encourage farmers to adopt innovative and modal agricultural practice.
• Budget Outlay for FY23-24:- 13,625 crore

Premium Under this Scheme
❖ 1.5% on all Rabi crops
❖ 2% on all Kharif crops
❖ 5% on Horticulture
Cap on Centre's Premium Subsidy

❖ For unirrigated Areas – upto 30%
❖ For irrigated Areas -upto 25%
❖ 21 states implemented the scheme in Khrif 2016 whereas 23 states and 2 UTs have implemented
the scheme in Rabi 2016-17.
❖ Central share in premium subsidy to be increased to 90% for North Eastern States from the
existing sharing pattern of 50:50.
Some Information about Pradhan Mantri Fasal Bima Yojana

• Some States/UTs like Bihar, Telangana, Andhra Pradesh Jharkhand,West Bengal and Gujarat
have opted out of the scheme after implementing it for some seasons due to their own reasons like
perception about risk and financial constraints. Due to the efforts of Ministry of Agriculture &
Farmers Welfare, Andhra Pradesh has re-joined the scheme from Kharif 2022 season and Punjab
has made a budget announcement to do so. The PMFBY is available for all States/UTs and is
voluntary for them. States/UTs are free to subscribe under the scheme keeping in view their risk
perception and financial considerations etc. The scheme is also voluntary for the farmers to enroll
themselves as per their risk perception.
• Since inception of the Pradhan Mantri Fasal Bima Yojana (PMFBY) in 2016-17,coverage under
the scheme has been around 30% of Gross Cropped Area (GCA) in the States/UTs who are
implementing the scheme.
• Telengana,Gujarat, Bihar, West Bengal and Jharkhand have also been requested to rejoin
PMFBY.
PRADHAN MANTRI FASAL BIMA YOJANA ( PMFBY ) MCQ
Q. Pradhan Mantri Fasal Bima Yojana ( PMFBY) launched in ?

A) 18th February, 2016
B) 16 May, 2020
C) 12 June,2020
D) 1 March,2020
Answer – A

Q.What is the maximum premium payable by farmers for Rabi crops under Pradhan Mantri Fasal
Bima Yojana?
A) 2.0%
B) 2.5%
C) 1.5%
D) 3.0%
Answer – C
Q.What is the maximum premium payable by farmers for kharif crops under Pradhan Mantri
Fasal Bima Yojana?
A) 2 %
B) 2.5%
C) 1.5%
D) 3 %
Answer – A
Q.Under the Pradhan Mantri Fasal Bima Yojana ( PMFBY ) Premium to be paid by farmers is
what percent of sum insured for cash crops?
A) 5%
B) 3%
C) 2%
D) 7%
Answer – A
Q.Pradhan Mantri Fasal Bima Yojana launched from?

A) Sehore, Madhya Pradesh
B) Bundi ,Rajasthan
C) Noida , Uttar Pradesh
D) Panipat, Haryana
Answer:- A
Q.Pradhan Mantri Fasal Bima Yojana is:

A) Government sponsored crop insurance scheme
B) Government sponsored educational scheme
C) Free loan for Farmers
D) Free Education for all
Answer:- A
Explanation:- Pradhan Mantri Fasal Bima Yojana provides insurance coverage and financial support
to the farmers for notified crops.
Q. Pradhan Mantri Fasal Bima Yojana ( PMFBY ) comes under the ministry of ?
A) Ministry of Finance
B) Ministry of Housing and Urban Affairs
C) Ministry of Social and Welfare
D) Ministry of agriculture and farmers welfare
Answer – D

Q. How many states/UTs have implemented the scheme in Kharif in 2016 and Rabi in 2016-17?
A) 21States in Kharif whereas 23 States and 1 UTs in Rabi
B) 23 States in Kharif whereas 21 states and 2 UTs in Rabi
C) 21 States in Kharif whereas 23 States and 2 UTs in Rabi
D) 22 States in Kharif whereas 23 States and 2 UTs
Answer:- C.
Explanation: 21 states implemented the scheme in Kharif 2016 whereas 23 States and 2 UTs have
implemented the scheme in Rabi 2016-17.
Q.In Dec 2020, which of the following states has launched Kisan Fasal Rahat Yojana to replace
Pradhan Mantri Fasal Bima Yojana for farmers?
A) Uttar Pradesh B) Chhattisgarh
C) Punjab D) Jharkhand
Answer:- D
Explanation:-Jharkhand CM Hemant Soren has launched Kisan Fasal Rahat Yojana on 29th
December 2020 .It is a compensation scheme aimed at providing security cover to Jharkhand farmers
in case of crop damage due to natural calamity.It will cover both land owning and landless farmers.
Q. Which state government has decided to rejoin the ambitious Pradhan Mantri Fasal Bima
Yojana?
A) Andhra Pradesh B) Chhatisgarh
C) Madhya Pradesh D) Uttar Pradesh
Answer – A
Q.Recently in April which state has bagged the national award for the best implementation of the
Pradhan Mantri Fasal Bima Yojana in the country?
A) Karnataka B) Uttar Pradesh
C) Tamil Nadu D) Maharashtra
Answer:- A
Explanation:-Karnatka state has bagged the national award for the best implementation of the
Pradhan Mantri Fasal Bima Yojana. PMFBY is being implemented in Karnataka through its own
portal “ Samrakshane” , designed and developed by the state through National Informatics centre.
Q. Which insurance company has launched “ Meri policy mera hath” campaign to support Indian
farmers communities in Rajasthan, Himachal Pradesh , Uttarakhand, Assam and Karnataka
during the implementing Rabi season under Pradhan Mantri Fasal Bima Yojana (PMFBY)?
A) SBI General Insurance
B) Kotak Genaral Insurance
C) Hdfc Ergo general Insurance
D) Muthoot General Insurance
Answer:- A
Explanation:- As part of the "Azaadi Ka Amrit Mahotsav" Campaign, SBI General insurance
organized a significant PMFBY (Pradhan Mantri Fasal Bima Yojana) policy distribution drive to
support Indian farmer communities in Rajasthan, Himachal Pradesh, Uttarakhand, Assam, and
Karnataka during the impending Rabi season.

Q. Recently in March agriculture minister Narendra Singh Tomar launched a digitised claim
settlement module – DigiClaim– under the Pradhan Mantri Fasal Bima Yojana (PMFBY) which
will help farmers receive the disbursed amount electronically like in the case of PM- Kisan. As for
the launch , it has been made operational in ___ states with demonstration actual transfer of
claims in bank accounts of beneficiary farmers
A) 5 states B) 6 states
C) 7 states D) 8 states
Answer:- B
Explanation:- The claims will be disbursed electronically. It will benefit farmers of six states. It
includes farmers from Rajasthan, Uttar Pradesh, Himachal Pradesh, Chhattisgarh, Uttrakhand and
Haryana.Insurance claims of over Rs 1260.35 crore have been disbursed through the DigiClaim
module to the farmers of six states.
Q.Recently as per the April report the government is planning to rehaul the livestock insurance
scheme and will launch a comprehensive livestock insurance scheme just like _______ .
A) Pradhan Mantri Krishi Sinchayi Yojana
B) Pradhan Mantri Kissan Samman Nidhi Yojana
C) Pradhan Mantri Fasal Bima Yojana
D) Pradhan Mantri Jan Dhan Yojana
Answer:- C
Explanation:- The government is planning to rehaul the livestock insurance scheme and will launch
a comprehensive livestock insurance scheme just like Prime Minister Fasal Bima Yojana. At present,
less than 1% of India’s cattle population is insured and the average yearly premium is 4.5% of the
insured amount.
Q. What is the budget Outlay for Pradhan Mantri Fasal Bima Yojana for FY 23-24?
A) 15,500 crore
B) 60,000 crore
C) 14,200 crore
D) 13,625 crore
Answer:- D
Explanation:- The budget Outlay for Pradhan Mantri Fasal Bima Yojana in FY23-24 is ₹13,625
crore.
Q. What is I stands in NCIP ?

A) Income
B) Insurance
C) Information
D) Interest
Answer:-B
Explanation:- National crop insurance Portal(DigiClaim)launched by the Narendra Singh Toma to
enable the farmers to recive their PMFBY claim amount in the time bound and automated manner.

PRADHAN MANTRI JAN DHAN YOJANA:-[PMJDY]
About PMJDY Scheme
• Prime Minister’s People’s Wealth Scheme]

• Announced :-On 15th August,2014 by Prime Minister Narendra Modi
• Launched On:-28, August 2014
• Slogan Of the Scheme:-“Mera Khata Vhagya Vidhata” (My Account Fate Restorer)
• Run By:- Department of Financial services and ministry of Finance
• Age Limit:- 18-65 year
• On Inauguration Day:- 15 million Account were opened
SOME ADDITIONAL INFORMATION ABOUT PMJDY :-
• Under Pradhan Mantri Jan-Dhan Yojana (PMJDY), a free RuPay debit card is provided to the
PMJDY account holders with inbuilt accident insurance cover of Rs. 1 lakh. This coverage
amount has since been raised from Rs 1 lakh to Rs. 2 lakh to PMJDY accounts opened after
28.08.2018.
• In the original scheme the government had announced a life insurance cover of ₹30,000 to the
account holders. But this had been discontinued since March 2020.
• An Overdraft Facily(OD) facility up to Rs.10,000 to eligible account holders is available.
• PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti
Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana
(APY), Micro Units Development & Refinance Agency Bank (MUDRA) scheme.
BENEFICIARIES AS ON 9/ 04 /2023
• Number of Total Beneficiaries
• 48.82 crore
• Women Holders
• 27.15 crore
• Total Rupy Card Issued
• 33.06 crore
• Total Deposits
• 199341.41 crore

MCQ RELATED TO PRADAHN MANTRI JAN DHAN YOJANA
Q. Pradhan Mantri Jan Dhan Yojana Announced on ?
A) 10 March, 2015
B) 15 August,2014
C) 20 January,2017
D) 10 June, 2016
Answer:- B
Explanation:- Pradhan Mantri Jan Dhan Yojana Announced by the Prime Minister Narendra Modi
on 15 August 2014.
Q. PMJDY(Pradhan Mantri Jan Dhan Yojana) launched On?

A) 20 Nov,2016
B) 15 August,2019
C) 28 August,2014
D) 18 February,2016
Answer:- C
Q.What is the Slogan of PMJDY?

A) Mera Khata Mera Inaam
B) Mera Khata Vhagya Vidhata
C) Mera Khata Vhagya Banata
D) Mera Khata Vhagya Bhrose
Answer:-B
Q. What is the Age Limit under the PMJDY?

A) 18-50 years
B) 18-65 years
C) 20-60 years
D) 2 1-59 years
Answer:- B
Q.Pradhan Mantri Jan Dhan Yojana (PMJDY) is Run By?

A) Department of Financial services and ministry of Finance
B) Department of Pharmaceuticals ministry of Chemical and Fertilizers
C) Department of Agriculture and farmers welfare
D) Department of Housing and Urban Affairs
Answer:- A
Q. The PMJDY provides an accidental insurance cover of how much amount?

A) ₹1 lakh
B)V₹2 lakh
C) ₹2.5 lakh
D) ₹1.5 lakh
Answer:- B

Q.Which of the following is a nation-wide financial inclusion scheme ofGovernment of India?
A) PMJDY
B) PMMY
C) PMJJBY
D) PMSBY
Answer:- A
Q. What is the Overdraft limit under Pradhan Mantri Jan Dhan Yojana (PMJDY)?
A) ₹6,000
B) ₹10,000
C) ₹4,000
D) ₹15,000
Answer:- B
Explanation:-OD limit doubled from Rs 5,000/- to Rs 10,000/-; OD upto Rs 2,000/- (without
conditions)
Q. The total balance in the basic Bank accounts under Pradhan Mantri Jandhan Yojana has surged a
record of ₹_____ crore in the financial year ended March 31,2023.
A) 30,000 crore
B) 40,000 crore
C) 50,000 crore
D) 60,000 crore
Answer:- C
Q. About how much percent of women Holders in PMJDY?

A) 51%
B) 52%
C) 60%
D) 56%
Answer:- D
Q. As per the Reserve Bank of India data , about ___% of PMJDY accounts have zero balance.
The average balance is upwards of ₹2,400.
A) 8%
B) 6%
C) 5%
D) 10%
Answer:- A
Q. Total Account opened under the PMJDY till the date of 9 April 2023?
A) 46.25 crore B) 48.82 crore
C) 51.26 crore D) 45.21 crore
Answer:- B
Q. How many Rupay cards have issued under the PMJDY till the date of 9 April 2023?
A) 33.06 crore
B) 27.75 crore
C) 30.16 crore
D) 31.05 crore
Answer:- A

Q.The Pradhan Mantri Jandhan Yojana bank account holders are provided the facility of accident
insurance cover, only __% of the claims made in the past two years were settled.
A) 40%
B) 60%
C) 50%
D) 30%
Answer:- C
Explanation:- In the past two financial years, only 329 of the 647 claims filled for accident insurance
cover provided to bank account holders under Pradhan Mantri Jandhan Yojana have settled

MAHATMA GANDHI NATIONAL RURAL EMPLOYMENT GUARANTEE ACT
[MGNREGA]
About MGNREGA Scheme

❖ Act Passed:- 23 August 2005
❖ Launch Year:- February 2006
❖ Launched by:- Former Prime Minister Manmohan Singh
❖ Sector:- Rural Employment
❖ Under :- Ministry of Rural and Development
Budget Outlay for FY23-24:-

❖ 60,000 crore
Some Additional Information about Mahatma Gandhi National Rural

Employment Guarantee Act.
✓ Mahatma Gandhi National Rural Employment Guarantee Act 2005 or MGNREGA, earlier
known as the National Rural Employment Guarantee Act or NREGA, is an Indian labour law
and social security measure that aims to guarantee the 'right to work’.
✓ The act was first proposed in 1991 by P.V. Narasimha Rao. In 2006, it was finally accepted in the
parliament and commenced implementation in 625 districts of India. Based on this pilot
experience, NREGA was scoped up to covered all the districts of India from 1 April 2008.
MCQ RELATED TO MGNREGA
Q. In which year Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
Passed by the Indian government ?
A) 2005
B) 2006
C) 2007
D) 2008
Answer:- A
Explanation :- The Indian Parliament passed the Mahatma Gandhi National Rural Employment
Guarantee Act on 23 August 2005.

Q. Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) comes under
the which ministry?
A) Ministry of Rural and Development
B) Ministry of housing and urban affairs
C) Ministry of Home affairs
D) Ministry of Finance
Answer:- A
Q. In which years MGNREGA was launched ?

A) 2006
B) 2005
C) 2009
D) 2007
Answer:- A
Explanation:- MGNREGA was launched in February 2006.
Q. What is the budget allocation in FY23-24 for MGNREGA scheme?

A) 70,000 crore
B) 73,000 crore
C) 60,000 crore
D) 80,000 crore
Answer:- C
Explanation:- The government has reduced the budget for the Mahatma Gandhi National Rural
Employment Guarantee Act (MGNREGA) scheme to 60,000 crore rupees in 2023-24.The new
allocation is 33% lower than the revised estimate of 89,000 crore for 2022-23 and 18% lower than the
budget estimate of 73,000 crore for the same year.
Q. Last year which state government has launched ab ambitious scheme to provide 100 days of
employment to needy families in urban areas on the lines of rural employment guarantee scheme
MGNREGS?
A) Madhya Pradesh
B) Rajasthan
C) Bihar
D) Chhatisgarh
Answer:- B
Q.____district in Odisha has occupied the top position in the country in generating man-days and
providing 100 days of work to rural households under Mahatma Gandhi National Rural
Employment Guarantee Act (MGNREGA) till January 22 of the FY 22-23.?
A) Sambalpur
B) Cuttack
C) Puri
D) Ganjam
Answer:-D
Explanation:- Ganjam district of Odisha generated 2.26 crore man-days under the rural employment
scheme during the period and topped the country. It is followed by Barmera (2.18 crore) in Rajasthan
and Tiruvannamalai (2.13 crore)in Tamil Nadu in generating man days during the period.

Q. Which two states recorded a high proportion of women workers during FY22-23?
A) Uttar Pradesh, Kerala
B) Bihar , Uttar Pradesh
C) Karnataka, Assam
D) Jharkhand, West Bengal
Answer:-B
Q.The proportion of women workers participating in the Mahatma Gandhi National Rural
Employment Guarantee Scheme (MGNREGS) has touched ___% which is 10-year high in the
financial year 2022-23.
A) 57.8%
B) 62.5%
C) 55.4%
D) 52.3%
Answer:- A
Explanation:- The proportion of women workers participating in the Mahatma Gandhi National
rural employment guarantee scheme (MGNREGS) has touched a 10 – year high in the financial year
2022-23. According to the report 57.8% of the workers who used the scheme this year were women,
this is the highest level of participation since 2021-13.
Q.In December 2022, the central government ordered that digitally capturing attendance is
mandatory for all workers employed under the Mahatma Gandhi National Rural Employment
Guarantee Scheme (MGNREGS) and that will be applicabled from __.
A) January 1,2023
B) February 2,2023
C) March 1, 2023
D) April 1, 2023
Answer:- A
Explanation:-In December 2022, the central government ordered that digitally capturing attendance
is mandatory for all workers employed under the Mahatma Gandhi National Rural Employment
Guarantee Scheme (MGNREGS) and that will be applicabled from January 1,2023.
Q. In December 2022, The central government constituted a committee to review the

implementation of the Mahatma Gandhi National Rural Employment Guarantee Act
(MGNREGA) scheme, that committee was headed by whom?
A) Ak Sikri
B) VK Paul
C) Amarjeet Singha
D) Rajesh Chauhan
Answer:- C
Explanation:-The central government constituted a committee to review the implementation of the
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) scheme, especially to
assess the programme’s efficacy as a poverty alleviation tool. The committee, headed by former Rural
Development Secretary Amarjeet Singha.
Q. Recently MGNREGS wage rates revised by up to __% for 2023-24?

A) 5%
B) 10%
C) 7%
D) 9%
Answer:- B

Explanation:- The union ministry of Rural Development issued a notification on the change in the
wage rates on March 24. The wage hikes which range from ₹7 to ₹26, will come into effect from
April 1.The notification was issued under Section Employment Guarantee Act (MGNREGA), 2005,
which says the Centre may, by notification, specify the wage rate for its Beneficiaries.
Q. As per the recent report, Which state has the highest daily wage under the under the
MGNREGS?
A) Haryana
B) Rajasthan
C) Chhattisgarh
D)Bihar
Answer:- A
Explanation:- The government has notified an increase in wage rates under the Mahatma Gandhi
National Rural Employment Guarantee Scheme for the financial year 2023-24, with Haryana having
the highest daily wage at ₹357 and Madhya Pradesh and Chhattisgarh the lowest at ₹221.
PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA (PMJJBY)
About PMJJBY Scheme:
✓ Launched – 9 May 2015 from Kolkata

✓ Launched by – Prime Minister Narendra Modi
✓ Under - Ministry of Finance
✓ Age Limit - 18-50 years
✓ Risk coverage - 2 lakhs in case of death of the insured, due to any reason.
✓ Scheme is offered by – LIC and all other life insurance companies.
Some Changes in Scheme:
• Last year the Premium rate of PMJJBY revised upward to₹1.25 per day,translating into
an increase from ₹330-₹436 since its inception. In terms of percentage the premium
increse is 32%.
• The new rate had effected from June 1,2022.
Status :
• About 8.3 crore Beneficiaries under PMJJBY as of now and 15.99 crore enrollment taken
place till March 31,2023.

PRADHAN MANTRI SURAKSHA BIMA YOJANA (PMSBY):
About PMSBY Scheme:-
✓ Launched - 9 May 2015, from Kolkata

✓ Launched by – Prime Minister Narendra Modi
✓ Under – Ministry of Finance
✓ Age Limit :- 18-70 years
✓ Risk coverage :- 2 lakh for accidental death & full disability and 1 lakh for partial
disability.
✓ Scheme is offered by :- Public sector General Insurance companies or any other general
insurance company.
Some Changes in Scheme:-

• Last year, The Premium rate of PMSBY revised from ₹12 to ₹20 for the first time since
its inception In pertange terms, the premium increase in PMSBY is 67%.
• New rate had effected from June 1,2022.
Status:-
• About 23.9 crore Beneficiaries under the PMSBY and 33.78 crore enrollment taken
place till March 31,2023
ATAL PENSION YOJANA
About APY Scheme

✓ Launched :- 9 May 2015 from Kolkata
✓ Launched by:- Prime Minister Narendra Modi
✓ Under : Ministry of Finance
✓ Administered by:- PFRDA
✓ Age Limit :- 18-40 years

Some Additional Information About APY:-
✓ Atal Pension Yojana is a pension scheme under the government of India. This scheme
is replaces the Swavalamban Yojana and was established to provide to old age income
security to the workers belonging to the unorganised sector.
✓ From 1st October,2022, any citizen who is or has been an income-tax payer, shall not
be eligible to join APY.
✓ Subscribers would receive the guaranteed minimum monthly pension of Rs. 1000 or Rs.
2000 or Rs. 3000 or Rs. 4000 or Rs. 5000 at the age of 60 years.
✓ In case of premature death of subscriber (death before 60 years of age), spouse of the
subscriber can continue contribution to APY account of the subscriber, for
✓ the remaining vesting period, till the original subscriber would have attained the age of
60 years.
✓ Subscribers can make contributions to APY on monthly/ quarterly / half-yearly basis.
✓ The minimum contribution to get Rs.1000 as pension amount, at the age of 18, is
Rs.42. The maximum contribution of Rs.1454 will be paid at the age of 40 years for a
pension amount of Rs.5000.
Status
The Ministry of Finance has said that total enrolment under the Atal Pension Yojana
(APY) has crossed the 5 crore 20 lakh mark as of the 31st of March of this year. The
scheme enrolled more than 1 crore 19 lakh new subscribers in the Financial Year 2022-23
as compared to 99 lakh in the last depicting a growth of more than 20 percent. The
ministry said that as of date the total assets under management in APY are more than 27
thousand 200 crore rupees and the scheme has generated an investment return of 8.69
percent since inception of the scheme.
MCQ RELATED TO PMJJBY, PMSBY AND APY

Q. Pradahn Mantri Jeewan Bima Yojna(PMJJBY) , Pradhan Mantri Suraksha Bima
Yojana (PMSBY) and Atal Pension Yojana (APY)launched in?
A) 15 June, 2014
B) 9 May,2015
C) 18 Feb,2016
D) 22 Aug, 2017
Answer:- B

Q. What is the age criteria under the PMJJBY?
A) 18-50
B) 18-40
C) 18-60
D) 18-65
Answer:-A
Q. What is the revised premium rate in PMJJBY since its inception?

A) ₹330-₹430
B) ₹331-₹435
C) ₹333-₹436
D) ₹330-₹436
Answer:-D
Q. How many subscribers under the PMJJBY till the date of Mar 31,2023.?
A) 6.3 cr
B) 8.3 cr
C) 6.4 cr
D) 6.6 cr
Answer:-B
Q. How many enrollment taken place under PMJJBY till March 31,2023?
A) 14.21 crore
B) 17.45 crore
C) 15.99 crore
D) 12.34 crore
Answer:- C

Q. Pradhan Mantri Jeevan Jyoti Bima Yojana ( PMJJBY ) , Pradhan Mantri Suraksha
Bima Yojana (PMSBY) and Atal Pension Yojana (APY) launched from ?
A) Kolkata
B) Lucknow
C) Indore
D) Bhopal
Answer – A
Q. Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana
and Atal Pension Yojana come under Which ministry?
A) Ministry of Rural Development
B) Ministry of Housing and Urban Affairs
C) Ministry of Health and family Welfare
Answer:- D
Q.Pradhan Mantri Jeevan Jyoti Bima Yojana provides life insurance cover of ___to all
holders of bank accounts.
A) 5 Lakh B) 4 Lakh
C) 2 Lakh D) 8 Lakh
Answer:- C
Explanation - Pradhan Mantri Jeevan Jyoti Bima Yojana provides life insurance cover of
Rs. 2 Lakh to all holders of bank accounts.
Q. What is Pradhan Mantri Jeevan Jyoti Bima Yojana?
A) A financial inclusion scheme
B) A health insurance scheme
C) A life insurance scheme
D) An Accident insurance scheme
Answer – C

Q. What is the revised premium under Pradhan Mantri Suraksha Bima Yojana
(PMSBY)?
A) ₹12-₹20
B) ₹30-₹40
C) ₹25-₹30
D) ₹40-₹45
Answer:- A
Q. Under Pradhan Mantri Suraksha Bima Yojana (PMSBY) a renewable one-year

accidental death cum disability cover of Rs 2 lakhs is offered to all subscribing bank
account holders in the age group of ___ Years?
A) 15 to 80
B) 15 to 60
C) 18 to 60
D ) 18 to 70
Answer – D
Q. How many subscribers under the PMSBY till the date of Mar 31,2022.?
A) 22.6 crore
B) 24.5 crore
C) 23.9 crore
D) 21.2 crore
Answer:- C
Q. How many enrollment have taken place under PMSBY till March 31,2023?
A) 33.78 crore
B) 41.25 crore
C) 30.25 crore
D) 35.26 crore
Answer:- A

Q.To achieve saturation under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
and Pradhan Mantri Suraksha Bima Yojana (PMSBY), the finance ministry launched a
_____ months campaign.
A) 2 months
B) 3 months
C) 4 months
D) 5 months
Answer:- B
Explanation:- To achieve saturation under Pradhan Mantri Jeevan Jyoti Bima Yojana
(PMJjBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY), the finance minister
launched a 3 months campaign. A special 3 months campaign has been launched by
DFS(department of financial services) at Gram Panchayat Level covering all districts in
the country to saturate all eligible persons under the PMJJBY and PMSBY w.e.f 1st April
2023 to the 30th June 2023.
Q. The Atal Pension Yojana was previously known as_ ?

A) Swabhim Yojana
B) Swavalamban Yojana
C) Saksham Yojana
D) Sampoorna Yojana
Answer:- B
Q.Atal Pension Yojna, is administered by which organisation?

A) SIDBI
B) PFRDA
C) NABARD
D) IRDAI
Answer :- B

Q. In Atal Pension Yojna contribution can be done ?
A) Yearly
B) Monthly
C) Half -yearly
D) Quarterly
Which above of the following is correct regarding contribution
(1) Only A
(2) Only A&B
(3) Only B,C&D
(4) All except A
Answer :3
Explanation:- In APY contribution can be Monthly, Quarterly or Half-Yearly basis.
Q.What is the age criteria under the APY ?

A) 18-40
B) 18-50
C) 18-55
D) 18-70
Answer:- A
Q. APY Define as:-

A) It is a Pension scheme focused on all citizens in the reorganized sector.
B) It is a Pension scheme focused on Female citizens in the rural sector.
C) It is a Pension scheme focused on all citizens in the unorganised sector.
D) It is a Pension schemes focused on only BPL subscriber
Answer:- C

Q. What is will be the minimum monthly pension payble to the subscriber under Atal
Pension Yojana (APY)?
A) 1,000
B) 2,000
C) 3,000
D) 4,000
Answer:- A
Explanation:- Monthly Pension of either ₹1000/-, ₹2,000/- ₹3,000/- , ₹4,000/- or ₹5,000
would be paid to the subscriber after the he attains the age of 60 years.
Q. The Ministry of Finance has said that total enrolment under the Atal Pension
Yojana (APY) has crossed the five crore 20 lakh mark as of the 31st of March of this
year.?
A) 8 crore 20 lakh
B) 5 crore 20 lakh
C) 7 crore 20 lakh
D) 9 crore 20 lakh
Answer:- B
Explanation:- The Ministry of Finance has said that total enrolment under the Atal
Pension Yojana (APY) has crossed the five crore 20 lakh mark as of the 31st of March of
this year. The scheme enrolled more than one crore 19 lakh new subscribers in the
Financial Year 2022-23 as compared to 99 lahk in the last financial year depicting a growth
of more than 20 percent.

“VIVAD SE VISHWAS I” –“ Relief To MSMEs”
Announced in :- Union Budget 2023-24 by Union Finance Minister Smt Nirmala

Sitaraman
Launched By:- Ministry of Finance
Launch Year :- 2023
Some More Information About the Scheme:-

Ministry of finance has launched “Vivad Se Vishwas I - Relief for MSMEs”for
providing relief to Micro, Small and Medium Enterprises (MSMEs) for COVID-19
period.
Objective:-
To provide relief to all MSMEs in all contracts for procurement of goods and services
entered into by any ministry/department/attached or subordinate office/autonomous
body/ CPSE / Public sector financial institutions etc.
Eligibility of MSME
Only those MSMEs which meet the following criteria are eligible –
✓ Registered as an MSME as per relevant scheme of Ministry of MSME on the date
of claim by supplier/ contractor.
✓ MSME could be registered for any category of Goods and Services.
✓ The original delivery period/ completion period stipulated in contract was between
19.02.2020 and 31.03.2022 (both dates are inclusive)
✓ Under the scheme, Ministries have been asked to refund performance security, bid
security and liquidated damages forfeited/ deducted during the COVID-19
pandemic.
The Ministry of Finance, through this scheme, decided to give following additional
benefits to eligible MSMEs, affected during the COVID-19 period:
✓ 95% of the performance security forfeited shall be refunded.
✓ 95% of the Bid security shall be refunded.
✓ 95% of the Liquidated Damages (LD) deducted shall be refunded.
✓ 95% of the Risk Purchase amount realized shall be refunded.
✓ In case any firm has been debarred only due to default in execution of such
contracts, such debarment shall also be revoked, by issuing an appropriate order by
the procuring entity.
✓ No interest shall be paid on such refunded amount.

Last date of submission of Claims ::
The Department of Expenditure, Ministry of Finance, had issued an order on
06.02.2023 indicating the broad structure of the scheme. Final instruction in this
regard, extendingthe relief to cover more cases and relaxing the limits of refunds was
issued on 11.04.2023. The scheme was commenced from 17.04.2023 and the last date
for submission of claims is 30.06.2023.
Implementation:-
Government e-Marketplace (GeM) has developed a dedicated webpage for
implementation of this scheme. Eligible claims shall be processed only through GeM.
MCQ RELATED TO VIVAD SE VISHWAS SCHEME:
Q.Vivad se Viswas Scheme announced in which union budget?

A) 2021-22
B) 2022-23
C) 2023-24
D) 2019-20
Answer:- C
Q.Vivad se Viswas Scheme launched By which ministry?

A) Ministry of MSME
B) Ministry of women and child development
C) Ministry of Home Affairs
Answer:-D
Q.Under the scheme, Ministries have also been asked to refund performance
security,bid security and liquidated damages forfeited/ deducted during the
COVID-19 pandemic. The given statement is
A) True
B) False
Answer:- A
Q.The scheme was commenced from?

A) 10 April 2023
B) 10 May 2023
C) 17 April 2023
D) 1 March 2023
Answer:- C

Q. What is the last date of submission of Claims under the scheme?
A) 31 May 2023
B) 30 June 2023
C) 15 August 2023
D) 10 July 2023
Answer:- B
Q. Consider the following statements with respect to Vivad Se Vishwas I Relief for
MSMEs scheme and identify the correct statement/s
A) It has been launched by the ministry of MSME
B) The last date to submit claims under the scheme is 30th June 2023.
C) The scheme has been launched to provide relief to MSMEs which have defaulted
in paying GST during COVID period.
D) 95% of the performance security forfeited shall not be refunded.
(1) only B
(2)only 1&2
(3)only 2
(4)only 2&4
Answer:-C
Q.Ministry of Finance, has launched the scheme, “Vivad Se Vishwas” relief for
____
A) Street Vendors
B) MSMEs
C) Unemployed sectors
D) Old Age Person
Answer:- B

JAL JEEVAN MISSION(JJM)
✓ Launched- 15 August 2019

✓ Launched By- Prime Minister Narendra Modi
✓ Comes under:- Ministry of Jal Shakti
✓ Budget Outlay for FY23-24:-70,000 crore
✓ Objective:- The main objective of the Jal Jeevan Mission is to supply 55 liters of water
per person per day to every rural household through Functional Household Tap
Connections (FHTC) by 2024.
Some Additional Information About Jal Jeevan Mission

History
✓ The central government assistance to states for rural water supply began in 1972 with
the launch of Accelerated Rural Water Supply Programme. It was renamed as National
Rural Drinking Water Programme (NRDWP) in 2009.The Modi government
restructured NRDWP into Jal Jeevan Mission in August 2019.
✓ The 14 Finance Commission (2015-2020) recognized health, education, drinking water
and sanitation as public services of national importance and defined the sustainable
drinking water supply systems as 'those being operated under a formal management
model.
Under SDG 6
*The program is a crucial step towards achieving the United Nations’ Sustainable
Development Goal 6, which aims to ensure access to water and sanitation for all.
Funding Share
• The Jal Jeevan Mission has a financial outlay of ₹3.60 lakh crore.
• The fund sharing pattern between the Centre and states is 90:10 for Himalayan and
North-Eastern States, 50:50 for other states, and 100% for Union Territories.
Performance
• Over 11 crore rural households of the country have access to tap water connection
under the ongoing Jal Jeevan Mission.
• As many as 123 districts and more than 1.53 lakh villages of India have reported ‘Har
Ghar Jal’, which means every household has access to clean drinking water through
tap.

• According to the jal shakti ministry, 56% of the targeted 19.35 crore households had
been covered. The mission aims to provide tap water supply to households with special
focus on women and children by 2024.
• Some States and Uts like Gujrat, Goa , Telengana, A&N Islands, D&N haveli, Daman
& diu ,Puducherry and Haryana have achieved 100%households
connections.Burdhanpur, Madhya Pradesh became first Har Ghar Jal certified district
in the country.
JAL JEEVAN MISSION (Urban)
✓ In the budget 2021-22 , Jal Jeevan Mission(Urban) has been announced under the
Housing and Urban Affairs Ministry to provide universal coverage of water supply to
all households through functional taps in all statuory towns in accordance with
Sustainable Development Goal-6.
✓ It complements the Jal Jeevan Mission (Rural) which envisages supply of 55 litres of
water person per day to every rural household through Functional household Tap
Connection (FHTC) by 2024.
Objectives of Jal Jeevan Mission (Urban):
Securing tap and sewer connections
❖ To bridge the estimated gap of 2.68 crore urban household functional water tap
connections.
❖ To provide 2.64 crore sewer connections/septage in 500 AMRUT cities.
❖ Rejuvenation of water bodies
❖ Creating circular water economy
MCQ RELATED TO JAL JEEVAN MISSION
Q. Jal Jeevan Mission launched in?

A) 10 August 2019
B) 25 January 2020
C) 15 August 2019
D) 28 March 2018
Answer:C

Q. Jal Jeevan Mission comes under the ministry of Jal Shakti who is the present jal
Shakti Minsiter of India?
A) Thawar Chand Gehlot
B) Gajendra Singh Shekhawat
C) Ashiwini Viashnv
D) Piyush Goel
Answer: B
Q. What is the Budget Outlay for Jal jeevan Mission in FY 23-24?
A) 60,000 crore
B) 70,000 crore
C) 4,000 crore
D) 13,625 crore
Answer:- B
Q.Jal Jeevan Mission was launched to provide safe & adequate drinking water through
individual household tap connections by which year to all households in rural India ?
A) 2028
B) 2024
C) 2019
D) 2016
Answer: B
Q.In which budget Jal Jeevan Mission Urban was announced?

A) 2019-20
B) 2022-23
C) 2021-22
D) 2018-19
Answer:- C

Q.The Program is a crucial step towards achieving the United Nation Sustainable Goal
____which aims to ensure access to water and sanitation for all.
A) 6
B) 7
C) 13
D) 17
Answer:- A
Explanation:-The Jal Jeevan Mission is synonymous with SDG Target 6.1, which aims to
provide safe and affordable drinking water to rural households by 2024.
Q.The target of the mission ‘Jal-Jeevan’ – ‘A tap in every home’ started by Indian
Central Government has been firstly achieved by which State?
A) Goa B) Uttrakhand
C) Manipur D) Uttar Pradesh
Answer – A
Explanation:- Gujarat, Goa, Telangana, A&N islands , D&N haveli, Daman & Diu ,
Puducherry and Haryana have achieved 100% household connections, while Burhanpur in
Madhya Pradesh become the first har ghar jal certified district in the country.
Q.With over ___billion invested in the water sector through government resources,
and partnerships with private innovators, and startups, India is leading the charge
toward achieving Sustainable Development Goal-6 targets.100% household
connections.
A) $ 150 bn B) $ 200 bn
C) $ 240 bn D) $170 bn
Answer:- C
Explanation:With over $240 billion invested in the water sector through government
resources, and partnerships with private investors , and startups , India is leading the
charge towards achieving Sustainable Development Goal-6 targets , according to union jal
shakti ministry Gagendra Singh Shekhawat while addressing the UN Water conference
2023.

Q.In April ____ became the third state in the country in terms of number of tap water
connection under Har Ghar Jal yojana, overtaking Rajasthan.
A) Madhya Pradesh B) Uttar Pradesh
C) West Bengal D) Jharkhand
Answer:- B
Explanation:- According to the government report, Uttar Pradesh has provided 97,11,717
tap connections, which are benefitting more than 5,82,70,302 villagers of Up against
39,33,140 in Rajasthan. Top 5 states providing tap water connection include
Bihar(1,59,10,093 connection), Maharashtra (1,09,98,678 connections),UP 97,11,717
connections),Gujrat(91,18,449 connections) and Tamil Nadu (79,62,581 connections).
Q.In March as per the report ___ state has tied up with a French development agency to
improve drinking water service.
A) Uttar Pradesh B) Maharashtra
C) Himachal Pradesh D) Chhattisgarh
Answer:- C
Explanation:- To improve water and sanitation in five towns of Himachal Pradesh , a
MoU of Rs 817.12 crore project has been signed by the state government with French
development agency Agence Francaise de development (AFD).
Q. In March who launched the jal shakti Abhiyan – catch the rain 2023 campaign for
the sustanibilty of drinking water in New Delhi.
A) Narendra Modi B) Draupdi Murmu
C) Gagendra Singh Shekhawat D) Anurag Singh Thakur
Answer:- B
Explanation:- President Draupadi Murmu launched the Jal Shakti Abhiyan - Catch the
Rain 2023 campaign for the sustainability of drinking water in New Delhi.The theme of
this year’s campaign is ‘Source Sustainability for Drinking Water’. She also launched a
video on 'Jal Shakti se Nari Shakti' and a commemorative stamp as well as conferred 36
awards under Swachh Bharat Mission-Grameen, Jal Jeevan Mission and National Water
Mission.

Q.As per the recent report Prime Minister Narendra Modi, laid the foundation stones
of two Jal Jeevan Mission project at Tiptur and Chikkanayakanahalli at Tumakuru in
___?
A) Tamil Nadu
B) Kerala
C) Andhra Pradesh
D) Karnataka
Answer:- D
Explanation:-Modi had laid the foundation stones of two Jal Jeevan Mission projects at
Tiptur and Chikkanayakanahalli in Tumakuru Karnataka.The Tiptur multi-village
drinking water supply project will be built at a cost of over ₹430 crore. The Multi-village
water supply scheme to 147 habitations of Chikkanayakanahlli taluk will be built at a cost
of around ₹115 crore.
Mahila Samman Saving Certificate(MSSC)
About Scheme:-
Mahila Samman Saving Certificate, a new small savings scheme launched
specifically for female investors, was announced by Finance Minister Smt. Nirmala
Sitaraman in Budget 2023 to promote investment among women. This is a one-time
scheme and will remain available for a two-year period i.e. up to March 2025.It
will encourage more women to adopt formal financial saving instruments.
Account Open:-
Accounts opened under this scheme will be single holder accounts that can be opened
at the Post Office.
Who can open Mahila Samman Savings account:-

Any woman above 18 years of age can open a Mahila Samman account for herself
.Also, in the case of minors, the guardian can open the account on behalf of the girl.
Women investors must submit Form - I by March 31, 2025.
Minimum Investment:-
The minimum investment amount is Rs 1000 ,and any quantity of multiple of Rs
100 can be deposited in an account with no further deposits permitted.
Maximum Investment:-
The maximum investment authorised under the scheme is ₹ 2 lakh.

Interest Rate :-
The interest rate on the deposits made under this scheme is 7.5% annually. The
interest will be compounded quarterly and credited to the account.
Maturity Period:-
The maturity period of the Mahila Samman Savings Certificate account is two years.
Partial Withdrawal :-
The scheme also offers a partial withdrawal facility to withdraw your balance before
maturity. The withdrawal is available one year after the account’s opening, but only
40% of the eligible balance can be withdrawn.
Premature closure:
The scheme comes with a maturity period of two years, but there are some
exceptions in which you can close the account before maturity.
These are:-
• On the death of the account holder
• On extremely compassionate grounds, such as the account holder’s life-
threatening disease, the guardian’s death, etc. For this, you will have to provide
the relevant documents.
• After six months from the date of account opening without any reason. But in this
case, your interest rate will be reduced by 2% and become 5.5%.
Second Mahila Samman Savings Certificate:-

A woman or guardian of a girl child can open a second Mahila Samman Savings
Certificate account after a minimum gap of three months from the opening .
Recent Announcement:-
[No TDS on Interest from Mahila Samman Savings Scheme]
According to finance ministry notification, Tax deducted at source(TDS) will not
apply on interest earned on Mahila Samman Savings Certificate (MSSC) , but the
interest income will be added to the total income for tax calculation. Finance
Ministry says the Mahila Samman Savings Certificate (MSSC) will be scheme under
“ sub -clause (c) of clause (i) of sub – section (3) of section 194A of the income tax
Act 1961.” Section 194A deals with provisions relating to TDS on interest other than
interest on securities. Tax is to be deducted under under section 194A if interest
(other than interest on securities) is paid to a resident.However, this will not be
applicable as prescribed under sub clause (c) of clause (i) of subsection(3), on interest
amounting to ₹ 40,000 on any post office Deposit under any scheme framed and
notified by the central government.
The exemption limit for senior citizens is ₹50,000.

MCQ RELATED TO MAHILA SAMMAN SAVING CERTIFICATE
Q. Mahila Samman Saving Certificate a new small saving scheme for

women and girl child announced in which union Budget?
A) 2023-24 B) 2022-23
C) 2021-22 D) 2020-21
Answer :- A
Q.The scheme offers deposit facility up to Rs 2 lakh in the name of

women or girls for a tenor of __________ years.
A) 1 year
B) 2 year
C) 3 year
D) 4 years
Answer:- B
Q. What is the minimum investment in Mahila Samman Savings
Certificate ?
A) ₹500
B) ₹100
C) ₹1000
D) ₹250
Answer:- C
Q. What is the maximum investment in Mahila Samman Savings

Certificate ?
A) 1 lakh B) 5 lakh
C) 2.5 lakh D) 2 lakh
Answer:- D
Q. What is the interest rate under Mahila Samman Savings Certificate?

A) 7.5%
B) 8.2%
C) 7.7%
D) 7.1%
Answer:- A

Q. Under the Mahila Samman Savings Certificate the partial
withdrawal is available one year after the account’s opening, but only
____% eligible amount can be withdrawn.
A) 30%
B) 50%
C) 40%
D) 60%
Answer:- C
Q. What is the lock- in- period of the Mahila Samman Savings

Certificate?
A) 1 year
B) 1.5 year
C) 6 months
D) 2 year
Answer:- D
Q. Mahila Samman Saving Certificate a new small savings schemes for
women and girl child a one time scheme and will remain available for a
two year period upto ____.
A) June 2025
B) March 2025
C) December 2025
D) May 2025
Answer:- B
Q.Which bank offers Mahila Samman Savings Certificate?

A) Indian Post
B) All Payment Banks
C) All private sector bank
D) All Commercial Bank
Answer:- A
Explanation:- [The Mahila Samman Savings Certificate is exclusively
provided by the Indian Post.Hence,you cannot invest in this scheme
throughout banks.]

Q.If you are closing your account after six months from the date of
opening without any reason. In this case, your interest rate will be
reduced by___%.
A) 1%
B) 3%
C) 2%
D) 1.5%
Answer:- C
Q. The Mahila Samman Savings Certificate , 2023 is available from

_____ in the post offices at interest rate of 7.5%.
A) 1 April 2023
B) 1 March 2023
C) 30 June 2023
D) 10 February 2023
Answer:- A
Q.Which of the following statements are correct with reference to

Mahila Samman Saving Certificate (MSSC)?
A) The Mahila Samman Savings Certificate is a small savings scheme that
can be done only in the name of a girl child or woman..
B) The minimum deposit amount under the Mahila Samman Saving
Certificate is Rs.1,000 and the maximum deposit amount is Rs.5 lakhs in
one account.
C) A woman or guardian of a girl child can open a second Mahila
Samman Savings Certificate account after a minimum gap of six months
from the opening of the existing account
D) The account holder can withdraw up to 50% of the account balance
after one year from the account opening date.
1. Only B
2. Only A
3. Only B and C
4. Only A and C
5. Only A , B and D
Answer:- 2

Q. As per the recent report of Finance Minsitry, TDS will not apply on
interest earned on Mahila Samman Savings Certificate , but the interest
income will be added to the total income for tax calculation. What is
the full form of TDS?
A) Tax deducted at solutions
B) Tax deducted at source
C) Tax deduction at savings
D)Tax deductor from Source
Answer:- B

“NATIONAL MISSION FOR CLEAN GANGA”
“NATIONAL MISSION FOR CLEAN GANGA”

[Registered Society , Under Act 1860]
Ministry of JAL Shakti “Department of Water Resources , River Development &

Rejuvenation Government of India”
About NMCG (National Mission for Clean Ganga)

✓ It is being implemented by the National Council for Rejuvenation, Protection and
Management of River Ganga also known as the National Ganga Council.
✓ This mission was established on 12th August 2011 under the Societies Registration
Act ,1860 as a registered society.
Objective:
• To restore and maintain the surface flow and groundwater.
• To maintain the continuity of the water flow without changing the natural season
variations.
• To conserve and regenerate the aquatic biodiversity as well as the riparian
biodiversity of the river Ganga basin.
About NAMAMI GANGE PROGRAMME:

✓ Namami Gange Programme was launched in June 2014 for a period upto 31st
March, 2021 to rejuvenate River Ganga and its tributaries with a budgetary outlay
of Rs.20,000 crore.
Main Pillars of the Namami Gange Programme are:-

✓ Sewage Treatment Infrastructure
✓ River surface cleaning
✓ Afforestation
✓ Bio-diversity
✓ River -front development
✓ Public awerness
✓ Ganga Gram
✓ Considering the need and spread of the Programme, Government of India has
further approved Namami Gange Mission-II with a budgetary outlay of Rs.22,500
crore till 2026 interalia including projects for existingliabilities (Rs.11,225 Cr) and
new projects/interventions (Rs.11,275) crore.

✓ A total of Rs.14,084.72 crore has been released by the Government of India to the
National Mission for CleanGanga (NMCG), from Financial Year (FY) 2014-15 till
31st January 2023, out of which Rs.13,607.18 crore have been released by NMCG
to State Governments, State Missions for Clean Ganga and other agencies for
implementation of projects related to Ganga rejuvenation.
BUDGET Outlay for FY23-24

✓ ₹4,000 crore
MCQ RELATED TO NAMAMI GANGE

PROGRAMME
Q. Namami Gange Programme launched in ?
A) June 2015 B) August 2014
C) June 2014 D) March 2016
Answer:-C
Q. Namami Gange Programme comes under which Ministry?

A) Ministry of JAL Shakti
B) Ministry of Home affairs
C) Ministry of Finance
D) Ministry of Social Affairs
Answer:- A
Q.What was the initial timeline of Namami Gange Programme?

A) 31March 2019 B) 31 March 2021
C) 31 March 2020 D) 31 March 2022
Answer:- B
Q. What was the budget Outlay for this scheme when it was launched?
A) 22,500 crore B) 25,000 crore
C) 20,000 crore D) 17500 crore
Answer:- C
Q. Namami Gange Mission II with a budgetary outlay of _____ crore till

____approved by the Government.
A) 25,000 crore, 2025
B) 22,500 crore, 2026
C) 20,000 crore, 2024
D) 21,000crore , 2022
Answer:- B

Q. What is the Budget Outlay for Namami Gange Programme in FY23-24?
A) 5000 crore
B) 1700 crore
C) 4000 crore
D) 2800 crore
Answer:- C
Q. Who is the Present Director General of Namami Gange Flagship Programme ?

A) Vinod Rai
B) KK Venugopal
C) Amarjeet Singha
D) Shri G.Asok Kumar
Answer,:- D
Q.In December 2022 the government approved project worth ____ crore for
developing sewerage infrastructure in the Ganga basin.
A) 2500 crore
B) 2000 crore
C) 2700 crore
D) 1700 crore
Answer:- C
Explanation:- The National Mission for Clean Ganga has approved river
rejuvenation projects worth over ₹2700 crore in Uttar Pradesh, Bihar,
Jharkhand and West Bengal.
Q. In December UN (United Nation) recognised ____as one of the Top 10

Environment Restoration Flagships programmes focused at recovering the natural
world.
A) Namami Gange
B) Jal Jeevan Mission
C) Awas Yojana
D) Smart cities mission
Answer:- A
Q. ____ launched the project on “Capacity Building Programme for Leveraging

Community and Local Resources Based on Technology”under Arth Ganga .
A) Gagdendra Singh Shekhawat
B) Narendra Modi
C) Shri G.Asok Kumar
D) G Kisan Reddy
Answer:- C

Q. In February National Mission for clean Ganga (NMCG) and National
Institute of Urban Affairs (NIUA) organised DHARA in Pune. What is H stands in
DHARA ?
A) Healthy
B) Holistic
C) Hour
D) Huge
Answer:- B
[DHARA stands for Driving Holistic Action for Urban Rivers.]
Q.In March as per the report National Mission for clean Ganga (NMCG) executive
committee (47th Meeting) approves ___ projects worth ₹1278 crore for pollution
abatement in Ganga Basin and Ghat Development.
A) 8
B) 10
C) 6
D) 9
Answer:- D
Q.Under Pradhan Mantri Namami Gange Yojana, in March Prime Minister

Narendra Modi laid the foundation stone of 55 MLD capacity sewage treatment
plant at Bhagwanpur in ______.The plant will be constructed at a cost of over Rs
300 crore.
A) Varanasi , Uttar Pradesh
B) Indore, Madhya Pradesh
C) Resai, Jammu & Kashmir
D) Degana Nagaur Rajasthan
Answer:- A
Q.Recently in April National Mission for Clean Ganga has signed an agreement
with __universities to inspire youth toward water conservation and river
rejuvenation.
A) 50
B) 35
C) 49
D) 29
Answer:- C

Q . Recently in April, The union ministry of Jal Shakti Shri Gagendra Singh
Shekhawat chaired the 11th meeting of Empowered task force (ETF) of National
Mission for clean Ganga (NMCG) in New Delhi and the Union Minister launched
the Monetaring Centre “PRAYAG” which is a Real Time Monitoring Centre for
planning and monitoring of projects, river water quality. What is ‘P’ stands in
PRAYAG?
A) Procurement
B) Platform
C) Production
D) Preservation
Answer:- B
[PRAYAG stands for Platform for Real- Time Analysis of Yamuna, Ganga
and their Tributaries]
Q.The Ministry of Culture informed that an action plan to hold ‘Ganga Sanskriti
Yatra’ has been formulated. The Yatra will pass through the States of Uttarakhand,
UP, Bihar and _____.
A) Jharkhand
B) Chhatisgarh
C) Madhya Pradesh
D) West Bengal
Answer:- D
Explanation:-The proposed Yatra will start from Gangotri in Uttarakhand and
terminate at Ganga Sagar in West Bengal, showcasing the cultural heritage of Ganga
at more than 100 different venues from Gangotri to Ganga Sagar

Senior Citizen Savings Scheme (SCSS)
SMALL SAVINGS SCHEMES PART -2
Introduction : Senior Citizen Savings Scheme (SCSS) was introduced in 2004 as per
the Senior Citizens Savings Scheme Rules,2004.
Eligibility for SCSS: Senior citizen of India aged 60 years or above Retires who have
opted for the Voluntary Retirement Scheme (VRS) .or Superannuation with the age
between 55-60 .
Minimum Deposit:- ₹1000[The deposits can be made in the multiples of Rs.1,000]
Maximum Deposit : Rs 30,00,000[It is increased from 15 lakhs to 30 lakhs in

Budget 2023-24]
Senior Citizen Savings Scheme (SCSS) Interest rate : The current interest rate
applicable to SCSS is 8.2% p.a. This interest rate is applicable from 1st April 2023
until 30th June 2023. The interest will be paid on a quarterly basis.
Maturity of the scheme :- The maturity period of SCSS is 5 years However,

individuals can extend the maturity period for 3 more years by submitting an
application. The application for extension of maturity should be given in the 4th year.
Mode of deposit:- An individual can deposit the money in cash when the amount is
below Rs.1 lakh. When the deposit amount is above Rs.1 lakh, an individual should
make the payment in cheque.
Numbers of Accounts:- Individuals can open more than one SCSS account. They
may open another account either by themselves or a joint account with their spouse.
Interest payment:- Individuals who open an SCSS account get an interest on the
principal deposited amount at the rate fixed by the government. They will receive a
quarterly interest against their deposited amount. Interest payment will be credited to
an individual’s account on the first date of April, July, October, and January.
SCSS: Income Tax Benefit:- Senior citizens can claim a deduction of up to Rs 1.5
lakh under section 80C of the Income-tax Act, 1961 for investing in the Senior
Citizens' Savings Scheme.

MCQ RELATED TO SENIOR CITIZEN SAVING SCHEME (SCSS)
Q. Senior citizen saving scheme(SCSS) was introduced in 2004 as per the ___.
A) Senior Citizen saving Act 2002
B) Senior citizens Savings Scheme Act 2004
C) Senior Citizens Savings Scheme Rules 2002
D) Senior citizens Savings Scheme Rules 2004.
Answer:- D
Q. Who is not eligible for Senior Citizens Savings Scheme?

A) NRI and HUF
B) Retired person of defence services
C) Person above the age of 60 years
D) Person who has taken VRS on attaing 58 years.
Answer:- A
Q.What is the minimum deposit in Senior Citizens Savings Scheme (SCSS)?

A) ₹500
B) ₹1000
C) ₹100
D) ₹2000
Answer:- B
[ Minimum deposit in SCSS is ₹1000 or the deposit can be made in the multiple of
₹1000]
Q. What is the maximum deposit in Senior Citizens Savings Scheme (SCSS)?

A) 15 lakhs
B) 10 lakhs
C) 30 lakhs
D) No such limit
Answer:- C
[ Maximum deposit limit in SCSS is ₹30 lakhs. Earlier it was ₹15 lakhs which is
increased ₹30 lakhs in FY2023-24]
Q. How many deposits are allowed in Senior Citizens Savings Scheme (SCSS)?
A) 1
B) 6
C) 5
D) 12
Answer:- A
[There shall be only one deposit in the account in multiple of one thousand rupees not
exceeding Rs 30 lakhs.]

Q. Cash deposit is allowed under Senior Citizens Savings Scheme (SCSS) upto the
amount of ₹__?
A) 10 lakhs
B) 1 lakhs
C) 5 lakhs
D) ₹50,000
Answer:- B
[Cash deposit is allowed only when deposit is less than ₹1 lakh. For higher amount
Cheque and D/D is required.
Q. The interest in Senior Citizens Savings Scheme (SCSS) is paid at what

intervals?
A) Monthly
B) Half yearly
C) Yearly
D) Quarterly
Answer:- D
Q. What is the maturity period of SCSS?
A) 3 years
B) 5 years
C) 10 years
D) 15 years
Answer:-B
[5 years. One extension of 3 years is allowed. Such extended accounts can also be
closed after one year of extension without any penalty.]
Q. Premature closer of Senior Citizens Savings Scheme(SCSS) is allowed minimum

after how many years?
A) 1 year
B) 1.5 years
C) 2 years
D) 2.5 years
Answer:- A
[Premature withdrawal is allowed after 1 year on deduction of an amount equal to
1.5% of the deposit & after 2 years 1% of the deposit.]
Q.Senior citizens can claim a deduction of up to Rs ____ under section 80C of the
Income-tax Act, 1961 for investing in the Senior Citizens' Savings Scheme.
A) 1 lakh
B) 1.5 lakhs
C) 2 lakhs
D) 2.5 lakhs
Answer:- B

Q. What is the current interest rate under Senior Citizens Savings Scheme (SCSS)?
A) 7.1%
B) 8%
C) 8.2%
D) 7.5%
Answer:- C
[ The current interest rate under Senior Citizens Savings Scheme is 8.2% . This
interest rate is applicable from April 1 ,2023 to until 30 June 2023.

SUKANYA SAMRIDDHI YOJANA (SSY)
SMALL SAVINGS SCHEMES PART -1
SUKANYA SAMRIDDHI YOJANA (SSY)::

About Scheme
✓ Launched:- The scheme was launched by the Prime Minister Narendra modi on 22
January 2015 as a part of the Beti Bachao, Beti Padhao campaign.
✓ Minimum Deposit per Year : Rs 250/- (then amount in multiple of Rs 100 can be
deposited thereafter)
✓ Maximum Deposit per Year: Rs.1,50,000 /- (Any deposit above the maximum
cap will not earn any interest and can be withdrawn anytime by the depositor)
✓ Who can open the account : A natural/ legal guardian on behalf of a girl child
✓ Number of accounts under Sukanya Samriddhi Account Yojana : Only one
account per girl child.
✓ Accounts can be opened for a Maximum of two girl children in one family.
✓ In case, the guardian has triplet daughters from first birth or twin daughters from
the second birth, maximum of 3 accounts can be opened by the parent, where one
account is opened in the name of a single girl child.
✓ When can an SSA account be opened : Any time between birth of girl child till she
attains the age of 10 years Till which year regular yearly deposit is required– For
initial 15 years from the date of opening of account.
✓ Maturity of deposit : After 21 years from date of opening of account. (No interest
will be earned after this.)
✓ Present Sukanya Samridhi Accounts Interest Rate= 8%
MCQ RELATED TO SUKANYA SAMRIDDHI YOJANA (SSY)
Q. When Sukanya Samridhi Yojana was launched by the Prime Minister of

Narendra Modi?
A) 14 January 2015
B) 10 August 2016
C) 22 January 2015
D)22 September 2018
Answer:- C

Q.What is the minimum deposit in SSY?
A) ₹200
B) ₹500
C) ₹1000
D) ₹250
Answer:- D
Q.What is the maximum deposit in SSY?

A) ₹1,50,000
B) ₹2,00,000
C) ₹2,50,000
D) ₹1,00,000
Answer:- A
Q.A girl child has how many Sukanya Samridhi Account on her name?
A) one
B) Two
C) Three
D) Four
Answer:- A
Q. Investment made in the SSY scheme are eligible for deduction under section 80C
subject to a maximum cap of ____.
A)₹50,000
B) ₹1 lakh
C) ₹1.5 lakhs
D)₹2.5 lakhs
Answer:- C
Q. Sukanya Samridhi Account can be opened for a girl till the age of ?
A) 5 years
B) 10 years
C) 20 years
D) 15 years
Answer:- B
Q.Till which year regular yearly deposit is required in Sukanya Samridhi Account?
A) 10 years from the date of opening
B) 21 years from the date of opening
C) 15 years from the date of opening
D) When girl attains age of 18
Answer:- C

Q. Premature withdrawal is allowed in Sukanya Samridhi Account after the girl
attains the age of ___
A)10 years
B)15 years
C)20 years
D)18 years
Answer:- D
Q. When is the maturity year for Sukanya Samridhi Account?

A) When girl attains age of 21 years
B) 21 years from date of opening account
C) After marriage of girl
D) When girl attains age of 18 years
Answer:- B
Q.What interest rate does the deposit under Sukanya Samridhi Account earns after
matury?
A) Post office saving rate
B) Same as the prevailing SSA interest rate
C) No interest is earned after the maturity
D) Bank rate
Answer:- C
.Q.The government increased the Sukanya Samriddhi Yojana (SSY) interest rate by
___ basis points (bps)from 7.6% for the quarter of April to June 2023.
A) 30 basis
B) 50 basis
C) 45 basis
D) 40 basis
Answer:- D
Q. What is the current SSA interest rate?

A) 7.5%
B) 8%
C) 8.2%
D) 7.7%
Answer:- B
Q. Identify the false statement with respect of Sukanya Samridhi Account

A) Accounts for more than two girl children are allowed.
B) Account shall be mandatorily operated by the girl child after she attains age of 18
years.
C) Balance can be transferred anywhere in India and from or to post office

D) All are correct
Answer:- D
Q. In January 2023, Sukanya Samridhi Yojana completed how many years ?
A) 8 years
B) 7years
C) 9 years
D) 6 years
Answer:- A
STAND-UP INDIA SCHEME
About STAND-UP INDIA Scheme

✓ Launched on:- 5 April, 2016
✓ Launched By:- Prime Minister Modi as Part of the government efforts to
supportentrepreneurship among Women and SC & ST communities.
✓ Title of the scheme was:- Stand-up India Scheme for financing SC/St or Women
Entrepreneurs.
✓ Under:- Ministry of Finance
✓ Developed By:-SIDBI
✓ Extended Till:- 2025
Objective Of This Scheme

• To facilitate Bank Loans between 10 lakh and 1 cr to at least one SC or ST borrower and at
leastone Woman borrower per bank setting up a green field enterprise.
• In case Non- Individual enterprise at least 51% of share holding and controlling state should
behold by either an SC/ST entrepreneurs..
Eligibility
✓ Sc/St and or / Women Entrepreneurs,above 18 years of age.
✓ Borrower should not be in default to any bank or financial institution
✓ The loan is repayble in 7 years with a maximum moratorium period of 18 months.
✓ The margin money requirements for loans under the scheme has been reduced from 'upto 25%' to
'upto 15%' and activities allied to

Achievement
✓ Recently in April 5,2023 Stand-up India completed its 7 years.
✓ As much as Rs 40,710 crore sanctioned to over 0.18 million accounts under this scheme during
the last seven years since its inception. Of the funds sanctioned till March 21, 2023 , about the
80% of the loan have been given to women entrepreneurs. According to official data Rs 33152. 43
crore was sanctioned to 0.14 million accounts of women while Rs 5625.5 crore was sanctioned to
26,889 SC accounts. Just Rs 1932.5 crore was sanctioned to 8960 of ST members.
STAND-UP INDIA SCHEME MCQ:-
Q. Stand-Up India Scheme Launched in?

A) 5 Apr,2016 B) 21 July, 2017
C) 10 June, 2014 D) 15 Aug, 2015
Answer:- A
Q.Stand- Up India Scheme comes under which ministry?

A) Ministry of Housing and Urban Affairs
B) Ministry of MSME
C) Ministry of Finance
D) Ministry of Rural and Development
Answer:- C
Q. This scheme is developed by ?

A) RBI
B) SEBI
C) SIDBI
D) PFRDA
Answer:- C
Q. Stand-Up India Scheme extended till?

A) 2024
B) 2025
C) 2023
D) 2026
Answer:- B
Q. The margin Money requirements for loans under the Stand-up India Scheme has
been reduced from upto 25% to upto?
A) 15% B) 10%
C) 20% D) 5%
Answer:-A
Explanation:- The margin money requirements for loans under the scheme has been reduced from
upto 25% to upto 15% and activities allied to agriculture have been included in the scheme.

Q. Recently in April 5,2023 Stand -Up India complted its how many years?
A) 5
B) 7
C) 8
D) 6
Answer:- B
Q. Who are the eligible for the Stand-up India Scheme?

A) Only St women
B) Sc/St and or/ women
C) All catogeries are eligible
D) Only SC women
Answer:- B
Q. Under this scheme the loan is repayble in 7 years with a maximum moratorium
period of ?
A) 10 months
B) 18 months
C) 15 months
D) 24 months
Answer:- B
Q. In case Non-Individual enterprise at least how much perscent of share holding and
controlling state should be hold either an SC/ST entrepreneurs?
A) 33%
B) 41%
C) 67%
D) 51%
Answer:- D
Q.How much loan have been sanctioned to over 1.8 lakh accounts under Stand -Up
India scheme in 7 years?
A) 35,000 crore
B) 40,710 crore
C) 38,500 crore
D) 39,200 crore
Answer:- B
Explanation:- Over Rs 40,700 crore sanctioned to 1.8 lakh accounts under Stand-Up India Scheme in
7 years.

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PRADHAN MANTRI MUDRA YOJANA [PMMY]

About PMMY Scheme:

These Loans are Classified as MUDRA loans under PMMY:

PRADHAN MANTRI MUDRA YOJANA[PMMY MCQ

Q.What does R stands for in MUDRA?

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Q. MUDRA Bank is a Subsidiary of?

Q.What is the maximum limit of loan under MUDRA Yojana?

Q. How many schemes/products are available under MUDRA Yojana?

Q.Which of the following cannot grant loans under MUDRA Yojana?

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Q. As on 31 March 2022, NPA( non performing assets) in MUDRA stood at ____%

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PRADHAN MANTRI FASAL BIMA YOJANA ( PMFBY )

About PMFBY Scheme

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Cap on Centre's Premium Subsidy

Some Information about Pradhan Mantri Fasal Bima Yojana

PRADHAN MANTRI FASAL BIMA YOJANA ( PMFBY ) MCQ

Q. Pradhan Mantri Fasal Bima Yojana ( PMFBY) launched in ?

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Q.Pradhan Mantri Fasal Bima Yojana launched from?

Q.Pradhan Mantri Fasal Bima Yojana is:

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Q. What is I stands in NCIP ?

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About PMJDY Scheme

• Prime Minister’s People’s Wealth Scheme]

SOME ADDITIONAL INFORMATION ABOUT PMJDY :-

• An Overdraft Facily(OD) facility up to Rs.10,000 to eligible account holders is available.

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Q. PMJDY(Pradhan Mantri Jan Dhan Yojana) launched On?

Q.What is the Slogan of PMJDY?

Q. What is the Age Limit under the PMJDY?

Q.Pradhan Mantri Jan Dhan Yojana (PMJDY) is Run By?

Q. The PMJDY provides an accidental insurance cover of how much amount?

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Q. About how much percent of women Holders in PMJDY?

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About MGNREGA Scheme

Budget Outlay for FY23-24:-

Some Additional Information about Mahatma Gandhi National Rural

MCQ RELATED TO MGNREGA

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Q. In which years MGNREGA was launched ?

Q. What is the budget allocation in FY23-24 for MGNREGA scheme?

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Q. In December 2022, The central government constituted a committee to review the

Q. Recently MGNREGS wage rates revised by up to __% for 2023-24?

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PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA (PMJJBY)

About PMJJBY Scheme:

✓ Launched – 9 May 2015 from Kolkata

Some Changes in Scheme:

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About PMSBY Scheme:-

✓ Launched - 9 May 2015, from Kolkata

Some Changes in Scheme:-

ATAL PENSION YOJANA

About APY Scheme