Important Government Schemes 2023 - July - 1536

Current Affairs | April 2023
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Schemes in News
New Swarnima Scheme For Women
The Swarnima Scheme is a term loan scheme introduced by the 2. Enable women to obtain term loans of up to ₹2,00,000/- at
Ministry of Social Justice and Empowerment to provide financial an interest rate of 5% per annum.
assistance to women entrepreneurs from backward classes. The
scheme aims to empower women by offering social and financial Benefits of the Swarnima Scheme
security through term loans. Implemented by the National The Swarnima Scheme offers the following benefits to eligible
Backward Classes Finance and Development Corporation women entrepreneurs:
(NBCFDC) and carried out by State Channelising Agencies (SCAs), 1. Subsidy Amount: Beneficiaries are eligible to receive a
the scheme facilitates access to loans of up to ₹2,00,000/- at an subsidy amount of ₹2,00,000/- at an interest rate of 5% per
interest rate of 5% per annum. annum for self-employment purposes.
2. No Personal Investment: The beneficiary woman is not
Ministry and Agency
required to invest any personal funds into the projects with
 The Swarnima Scheme is an initiative of the Ministry of
a cost of up to ₹2,00,000/-.
Social Justice and Empowerment.
 The National Backward Classes Finance and Development Eligibility Criteria
Corporation (NBCFDC) acts as the implementing agency for To be eligible for the Swarnima Scheme, applicants must meet
the scheme. the following criteria:
 State Channelising Agencies (SCAs) are the nodal agencies 1. Gender: The applicant must be a female.
responsible for executing the scheme on the ground level. 2. Age: The age of the applicant must be between 18 and 55
years.
Objectives of the Scheme
The Swarnima Scheme aims to achieve the following objectives: 3. Entrepreneurship: The applicant must be an entrepreneur.
1. Provide social and financial security to women 4. Family Income: The total annual family income of the
entrepreneurs belonging to backward classes. applicant must be less than ₹3,00,000/-.

‘Mission Vatsalya’ scheme for rape victims minor girls
Why in news? History of Mission Vatsalya:
The Central Government has started a new relief scheme under  In 2009, Ministry of Women and Child Development
the ‘Mission Vatsalya’ scheme in relation to the abandonment launched three schemes for the welfare of children:
of the families of minor girls who are victims of rape when they  Juvenile Justice Programme,
become pregnant.  Integrated Programme and
 Child Home Support Scheme
Mission Vatsalya
 In 2010 these three schemes are merged into ‘Integrated
 Mission Vatsalya launched in 2021 by the ministry of Child Protection Scheme.’
Women and Child Development.  In 2017 it was renamed as ‘Child Protection Service Scheme.’
 Mission Vatsalya focused on protection and welfare of  In 2021 it was renamed as ‘Mission Vatsalya.’
children.
About the Nirbhaya Fund:
 The Government establish 415 POSCO fast-track courts in
 In response to the Nirbhaya case in 2013, the government
the country to provide assistance access to justice for minor
established Nirbhaya Fund.
victims of rape.
 It aims at projects related to women and child care and
 Mission Vatsalya lays emphasis on child care, advocacy and
development.
awareness about the along with providing justice care and
 It is managed by the Ministry of Women and Child
protection with the motto of ‘Leave No Child Behind.’ Development.
 The basis of implementation of Mission Vatsalya is The  The Empowered Committee which is composed of officers
Juvenile Care (Care and Protection of Children) Act, 2015 of several ministries and the secretary of MWCD,
provisions and Protection of Children from Sexual Offences recommends projects/programmes for funding under
Act 2012 (POSCO Act). Nirbhaya Fund.
 Mission Vatsalya is a centrally sponsored scheme work  Some of the major projects under Nirbhaya Fund are:
together with the State Government and UT administration Central Victim Compensation Fund (CVVF), One Stop Centres
to provide assistance to the victims. (ONCs), Universalization of Women Helpline (WHL) and
Mahila Police Volunteer (MPV) etc.
About the New Scheme launched Mission Vatsalya:
 The scheme aims to provide shelter, food, daily need, sage
transportation to the court hearings and legal aid to minor
girls who have been abandoned by their families:
 Due to the forced pregnancy
 Have no other means to support themselves.
 The fund will help in setting up shelters for the victims.
 The new scheme aims to provide integrated support and
assistance to the victim girls which involves:
 Access to education
 Police support
 Heath care facilities including maternity, neo-natal and
infant care.
 Psychological and legal aid.

Ministry of Home Affairs Launches Scheme for Expansion and Modernization of Fire Services in States
The Ministry of Home Affairs has introduced the “Scheme for  The scheme is based on the recommendation of the
Expansion and Modernization of Fire Services in the States” Fifteenth Finance Commission (XV-FC), allowing an
with a significant allocation of Rs. 5,000 Crore. This scheme was allocation of 12.5% from the National Disaster Response
announced by Union Home Minister and Minister of Fund (NDRF) and State Disaster Response Fund (SDRF) for
Cooperation, Shri Amit Shah during a meeting with Ministers of the Funding Window of Preparedness and Capacity Building.
Disaster Management of the States/Union Territories in New Allocation and Utilization:
Delhi on June 13, 2023. The objective of the scheme is to  An amount of Rs. 5,000 Crore has been earmarked from the
strengthen fire services across the country and make India National Disaster Response Fund (NDRF) corpus for the
disaster-resilient. priority project of “Expanding and Modernization of Fire
Services.”
Objective of the Scheme:
 It is essential to note that there will be no spill-over of
The primary goal of the scheme is to expand and modernize fire
liabilities for projects sanctioned beyond the specified
services in the States by enhancing preparedness and capacity-
award period.
building components of the National Disaster Response Fund
(NDRF). Key Initiatives:
 Under the guidance of Prime Minister Shri Narendra Modi,
Funding and Contribution: several key initiatives are being implemented to achieve the
 For project proposals under the scheme, State Governments objective of ‘zero death’ and minimal property loss during
need to contribute 25% of the total cost, except for the disasters.
North-Eastern and Himalayan (NEH) States, which will  Strengthening the disaster risk reduction system in India is a
contribute 10% from their budgetary resources. crucial step toward making the country disaster-resilient.
NSAP – Indira Gandhi National Disability Pension Scheme
Introduction extra financial support is specifically directed towards individuals

In an effort to uplift the lives of people living below the poverty with disabilities who are classified as 80% or more disabled or
line who face significant challenges due to disabilities, Indira having multiple disabilities.
Gandhi National Disability Pension Scheme provides social
The National Social Assistance Programme (NSAP)
benefits to eligible individuals. The scheme targets persons with
The National Social Assistance Programme is a welfare
disabilities (PWDs) between the ages of 18 and 79, who have 80%
programme being administered by the Ministry of Rural
or more disability or multiple disabilities. This scheme comes
Development. The schemes under this programme are 100%
under the National Social Assistance Programme (NSAP).
funded by the Central government.
Eligibility Criteria The programme was first launched on 15th August 1995 as a
To be eligible for the scheme, individuals must meet the Centrally Sponsored Scheme.
following criteria: Currently, It has five components:
 Age: Applicants should be between 18 and 79 years old. 1. Indira Gandhi National Old Age Pension Scheme
 Disability: They should have 80% or more disability or 2. National Family Benefit Scheme
multiple disabilities. 3. Annapurna Scheme
 Socio-economic status: Applicants must belong to 4. Indira Gandhi National Widow Pension Scheme
households classified as Below Poverty Line (BPL). 5. Indira Gandhi National Disability Pension Scheme
Government Funding Key takeaways for competitive examinations

The scheme is fully funded by the Government of India, with  Indira Gandhi served as the third prime minister of India
beneficiaries receiving a monthly pension of Rs. 300/-. from: 1966 to 1977
Additionally, the State Government supplements this amount by  Indira Gandhi was the recipient of Bharat Ratna in: 1972
providing Rs. 200/- per month to each beneficiary under the  Indira Gandhi National Disability Scheme was launched on:
Integrated National Disability Pension Scheme (IGNDP). This February 2009

Pradhan Mantri Mudra Yojana (PMMY) Loans Witness 23% Disbursal Increase in Q1 FY24
The disbursal of loans under the Pradhan Mantri Mudra Yojana 2. Loan Categories: PMMY offers loans under three categories:
(PMMY) in India has seen a significant increase, reaching ₹81,597 a. Shishu: Loans up to ₹50,000. b. Kishor: Loans above
crore in the first quarter of FY24. This marks a notable 23% ₹50,000 and up to ₹5 lakh. c. Tarun: Loans above ₹5 lakh and
growth compared to ₹62,650 crore disbursed in the same up to ₹10 lakh.
quarter last year. The surge in disbursals can be attributed to the 3. Disbursal Growth: The disbursal of PMMY loans increased
by 23% to ₹81,597 crore in the first quarter of FY24,
rising demand for loans in the Tarun category and other factors.
compared to ₹62,650 crore in the same quarter of the
It is the highest-ever increase in disbursals during the first previous year.
quarter since the launch of the scheme. 4. Highest-ever Increase: The Q1 FY24 disbursal growth is the
Achievements: highest-ever recorded in the first quarter since the launch of
the PMMY scheme.
1. Record Disbursal: The disbursal of PMMY loans in the first
5. Tarun Category Demand: The increased disbursals were
quarter of FY24 amounted to ₹81,597 crore, representing a
driven by the rising demand for Tarun category loans, as
23% increase from the previous year’s first quarter. borrowers upgraded from the Sishu category of loans.
2. Tarun Category Demand: The significant rise in disbursals 6. Record-breaking Year: In the previous financial year (FY23),
can be attributed to the increased demand for Tarun PMMY disbursed small business loans worth ₹4.50 lakh
category loans, driven by borrowers upgrading from the crore, marking a growth rate of 34.7% compared to the
initial Sishu category of loans. previous year.
3. Previous Financial Year: In the last financial year (FY23), 7. Average Loan Size: The average size of Mudra loans
small business loan disbursements under PMMY reached an increased to ₹73,489 in FY23.
all-time high of ₹4.50 lakh crore, reflecting a remarkable 8. High Credit Utilization: The ratio of disbursed to sanctioned
amounts reached an all-time high of 99% in FY23, indicating
growth rate of 34.7% compared to the previous year’s ₹3.11
borrowers’ readiness to utilize the sanctioned funds.
lakh crore.
9. Economic Activity Boost: Increased economic activity in
4. Average Loan Size: There has been an increase in the rural and semi-urban areas, along with positive demand
average size of Mudra loans, reaching ₹73,489 in FY23. projections, has led to both existing customers upgrading
5. High Credit Utilization: The ratio of disbursed to sanctioned their loans and attracting first-time borrowers.
amounts reached an all-time high of 99% in FY23, indicating 10. Concerns of Rising NPAs: The rapid growth in Mudra loans
borrowers’ increased willingness to utilize credit. raises concerns about a potential increase in non-performing
assets (NPAs) if not carefully managed.
Concerns:
1. Potential Rise in NPAs: The rapid growth in Mudra loans
could lead to a sudden increase in non-performing assets
(NPAs), raising concerns among officials and financial
experts.
2. Economic Activity Boost: The increased economic activity in
rural and semi-urban areas, along with positive demand
projections, has encouraged existing customers to upgrade
their loans and attracted first-time borrowers.
Key Points about Pradhan Mantri Mudra Yojana (PMMY):
1. Scheme Overview: Pradhan Mantri Mudra Yojana (PMMY) is
a flagship scheme launched by the Government of India in
2015 to provide financial support to small and micro-
enterprises.

PM Modi launches National Sickle Cell Anaemia Elimination Mission
Prime Minister Narendra Modi recently inaugurated the National lakh, ensuring affordable and quality medical treatment.
Sickle Cell Anemia Eradication Mission(NSCAEM) 2047 in Ayushman Card is a guarantee backed by his government,
Shahdol, Madhya Pradesh. The mission aims to tackle the offering financial security for healthcare expenses.
challenges posed by sickle cell disease, particularly among the
About Sickle cell disease
tribal population in India. PM Modi also unveiled a portal and
Sickle cell disease (SCD), also known as sickle cell anemia, is a
released guidelines for disease management, along with
genetic blood disorder that affects the structure and function of
different monitoring modules.
red blood cells. It is an inherited condition caused by a mutation
Comprehensive Approach to Combat Sickle Cell Disease in the hemoglobin gene, which is responsible for producing the
The NSCAEM takes a comprehensive approach to tackle sickle protein that carries oxygen in the red blood cells. This disorder
cell disease, recognizing its impact on not just patients but also results in a distressing systemic condition marked by persistent
their families. The mission combines screening and awareness anemia, episodes of intense pain, organ infarction, chronic organ
strategies to ensure early detection and treatment while impairment, and a considerable decrease in life expectancy.
promoting education about the disease. By identifying
Efforts to Eradicate Sickle Cell Anemia by 2047
individuals with sickle cell trait, the mission aims to prevent the
The National Sickle Cell Anemia Eradication Mission (NSCAEM)
unintentional transfer of the disease to the next generation.
seeks to address the urgent health challenges posed by sickle cell
Over the course of three years, an ambitious screening initiative
disease by encompassing disease management guidelines &
aims to examine approximately 7.0 crore individuals who are
monitoring modules. The distribution of Ayushman cards, aims
under 40 years old.
to alleviate the healthcare challenges faced by the tribal
Distribution of Ayushman Cards and PVC Ayushman Bharat population
Cards Nearly half of the global sickle cell disease cases are
PM Modi initiated the distribution of over 3 crore digital concentrated in India which predominantly affects the tribal
Ayushman cards nationwide and 1 crore PVC Ayushman Bharat population in India. With the launch of this mission, the
cards specifically in Madhya Pradesh. These cards provide government aims to eliminate sickle cell anemia from the
beneficiaries with access to health insurance coverage worth ₹5 country by 2047, adopting a mission mode approach.

Sukanya Samriddhi Yojana Benefits & Interest Rates in 2023
The government increased the interest rates for Sukanya  The account should be operational till the girl child becomes
Samriddhi Yojana by 40 paise for the quarter April-June 2023 21 years old.
which now became 8%.  The minimum and maximum amount to be deposited in the
Sukanya Samriddhi Yojana: account is 250 and Rs.1,50,000.
 Sukanya Samriddhi Scheme has been launched by the  An individual girl child cannot have numerous Suknya
government of India for the girl child in 2015 by the Ministry Samriddhi Accounts.
of Women and Child Development.  Only two Suknya Samriddhi Accounts are permitted per
 Under the Sukanya Samriddhi Yojana, an account in the family i.e. one for each.
name of the girl child has to be opened by their natural or Deposits made under the Sukanya Samriddhi Yojana:
legal guardian from the birth of the girl till she attain the Deposits in the bank account of the girl child registered under the
age of 10 years. Suknya Samriddhi Yojna can be made through any of the
 The minimum and maximum deposit amount is 250 and following:
Rs.1,50,000 per fiscal year.  Online transfer/NEFT.
 If the customers fail to deposit that minimum amount then  Demand Draft
the penalty of Rs.50 will be imposed.  Cash
 After the payment of penalty, the account opened under the
 Cheque
scheme became reactivated.
 The Sukanya Samriddhi Yojana account’s term lasts for 21 How to Open Sukanya Samriddhi Yojana:
years from the date of opening or until the account holder’s To get the benefits of the Sukanya Samriddhi Yojana, the girl child
marriage whichever is earlier. who is below the age of 10 year must have opened their account
either with the bank or post office.
Suknya Samriddhi Yojana Interest Rates:
Steps to open Sukanya Samriddhi Yojana:
The interest rate for Suknya Samriddhi Yojna for the quarter of
1. Visit the nearest bank or post office.
April-June 2023 is 8% which has risen up by 0.4% from the last
2. Fill the application form of Suknya Samriddhi Yojna which is
quarter of January-March 2023 which was 7.6%.
SSA-1 form.
Some of the points about the interest rates of Sukanya
3. This form can also be downloaded online.
Samriddhi Yojana:
4. After filling the form, submit the form with the desired
 Interest is payable at the earliest.
documents which are:
 Interest is directly transferred to the account of the girl at
 Birth certificate of the girl child.
the end of every financial year.
 Interest rate is decided by the government and is changed  Identity proof of the parents or guardian.
every quarter.  Address proof.
 No interest will be provided if the girl becomes an NRI. 5. After submitting the documents, pay the first deposit which
is minimum of Rs.250.
Calculation of Interest of Suknya Samriddhi Yojana: 6. SSY account will be opened and passbook will be issued by
The formula used to calculate the interest of Sukanya Samriddhi the bank or post office for the account.
Yojana:
I = P(1+R/100)^N Benefits provided under Suknya Samriddhi Yojana:
Where, I = Interest  High Interest Rates: Suknya Samriddhi Yojna offers high
P = Principle Invested interest rates which is currently 8% in comparison to other
R = Rate of Return government schemes and bank deposits.
N = Number of Years  Guaranteed Return: Suknya Samriddhi Yojna is a
The calculation of interest on Suknya Samriddhi Yojna is done government’s scheme which provides guaranteed return.
every year.  Tax Benefits: SSY provides tax deduction benefits under
section 80C upto Rs.1.5 lakh annually.
Eligibility Criteria for Sukanya Samriddhi Yojana:
 Flexible Investment: Under SSY there is no fixed amount
There are some essentials to open an account under the Sukanya
that is to be deposited in the account of the beneficiary but
Samriddhi Yojana:
it should be minimum Rs.250 and maximum Rs.1.5 lakh.
 Account of the girl child can be opened by their natural
parents or legal guardian.  Benefit of Compounding: SSY is a scheme of long-term
 The girl child ought to be under 10 years at the time of investment as it provides the benefit of annual
opening account. compounding.

 Convenient Tranfer: SSY can be freely transferred from one 2. Premature withdrawal in case of marriage:
part of the country to another in case of transfer of  When the girl attains the age of 18 years and is getting
parent/guardian. married, she have to apply one month before or three
Withdrawal Rules for Sukanya Samriddhi Yojana: months after the marriage to withdraw for the purpose
Sukanya Samriddhi Yojana Account has a maturity period of of marriage and identity proof and marriage certificate
21years or at the time of marriage whichever is earlier but it can must be submitted by her.
be withdrawn for the following reasons with certain rules: 3. Premature Withdrawal in other cases:
1. Withdrawal for the Education:  In case of death of the girl chid, the amount can be
 The girl child can withdraw from the Suknya Samriddhi
withdrawn by her parents/guardian after submitting
Account for her further studies if she reached the age
the desired documents.
of 18 years and qualified the 10th standard.
 For the purpose of education only 50% of the amount  The account will be closed if the girl is no longer a citizen
available as of the previous year can be withdrawn. of India.
Pradhan Mantri Kisan Samman Nidhi: Benefits & Registration
Pradhan Mantri Kisan Samman Nidhi Scheme is a centrally Excluded Categories under PM Kisan Samman Nidhi Yojna:
sponsored scheme launched on 1 December, 2018 by the The persons who are not eligible to avail the benefits under PM
department of agriculture and farmers welfare for the benefits Kisan Samman Nidhi Yojna:
of the small and marginal farmers with the aim to provide  Persons with institutional landholding ownership.
Rs.6,000 per year given in three instalments.
 If any member of the farmer’s family belongs to any
PM Kisan Samman Nidhi Yojna: government body or associated with any profession.
 PM Kisan Samman Nidhi Yojna is a centrally sponsored  All income taxpayers.
scheme.
Benefits provided under PM Kisan Samman Nidhi Yojna:
 PM Kisan Samman Nidhi Yojna launched for the welfare of
small and marginal famers. 1. Income Benefits:
 PM Kisan Samman Nidhi Yojna provides small and marginal  Income benefits of Rs.6000 are transferred directly to
farmers with 6000 per year in three instalments. the accounts of the beneficiaries in three equal
 The benefits under this scheme are directly transferred in instalments.
the accounts of the beneficiaries.  2000 in every quarter period of the year.
2. Loan Facility:
Features of PM Kisan Samman Nidhi Yojna:
Under PM Kisan Samman Nidhi Yojna, the farmer can avail the
 PM Kisan Samman Nidhi Yojna has been launched by the
Ministry of Agriculture and Farmers Welfare. facility of short-term loans through Kisan Credit Card (KCC) with
 This scheme is a centrally sponsored scheme which is 100% the following features:
funded by the Central Government.  Loan at cheap interest rates.
 The beneficiaries are identified by the State/UT Government  Avail loans of up to Rs.3 lakh without any collateral.
as per the record of land-ownership.  Provide in-built coverage of crop insurance.
 Under this scheme, Rs.6000 are transferred to the account  Offers flexible loan repayment options.
of the beneficiaries in three eual instalments i.e. Rs.2000 in
every 4 months. Documents required for the registration of PM Kisan Samman
Nidhi Yojna:
Eligibility Criteria for PM Kisan Samman Nidhi Yojna: Following documents are required to avail the benefits of the PM
As per the eligibility criteria of this scheme, all the landholding
Kisan Samman Nidhi Yojna:
farmer families are eligible to avail the benefits of this scheme:
 Citizenship proof.
 A landholding farmer family is a family consists of a
 KYC documents
husband, wife and minor children.
 It must hold a cultivated land listed in the State/UT land  Bank account details
records.  Aadhar card

Methods to register under PM Kisan Samman Nidhi Yojna: Step V: Click on ‘Yes’ option for new registration.
 Method I– Beneficiaries can contract the revenue officials/ Step VI: Enter all the details and click on save button.
village patwari and provide all the required details to enrol
Details required to complete the registration under PM Kisan
in PM Kisan scheme.
Samman Nidhi Scheme:
 Method II- Beneficiaries can visit the nearby Common
 Name of the beneficiary.
Service Centre and complete their registration by submitting
the required fees.  Age of the beneficiary.
 Method III- Beneficiaries can do self-registration through  Gender
‘Farmers Corner’ section on PM Kisan online portal.  Citizenship
 Method IV- Beneficiaries can complete online registration  Category
through PM Kisan mobile app.  Bank account details
 Aadhar number
Steps to register online for PM Kisan Samman Nidhi Yojna:
 Mobile number
Step I: Visit the PM KISAN portal of the Ministry of Agriculture
and FarmersWelfare. How to check farmer’s status in PM Kisan beneficiary list:
Step II: Go to the ‘Farmer Corner’ section and select the ‘New Step I: Visit the PM KISAN online portal.
Farmer Registration’ option. Step II: Go to the section ‘Farmers Corner’ and click on the tab
Step III: Fill up the following details on the New Farmer ‘Beneficiary List.’
Registration Form page to check if the farmer is already Step III: Select the relevant option for the following:
registered in the system:  State
 Rural/Urban Farmer registration  District
 Aadhar Number  Sub-district
 State of the farmer.  Block
Step IV: Fill in the captcha and press the ‘Search’ button. If the  Village
system displays no database of the farmer, a window will pop up Step IV: Check the selected information and click on ‘Get Report.’
asking ‘If you want to register yourself.’ The farmer can view their beneficiary status in the list.
21% unorganised workers exit PM pension scheme
The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) scheme, interest earned on them due to the ongoing financial strain
a pension scheme for unorganised workers in India, has caused by high prices.
witnessed a significant number of subscribers leaving the
program in less than six months. This trend has raised concerns Withdrawal Guidelines
about the scheme’s viability and sustainability. According to the scheme guidelines, if a subscriber leaves the
PM-SYM scheme in less than ten years, they are allowed to
Decrease in Subscribers withdraw their share of contributions along with the savings
The number of subscribers to the PM-SYM scheme has
bank interest rate. However, if a subscriber exits after ten years
decreased to 4.43 million as of July 11, which is a decline of 1.19
but before reaching the superannuation age of 60 years, the
million from the all-time high of 5.62 million recorded on January
beneficiary’s share of contribution, along with accumulated
31. The main reasons for this decline are attributed to high
inflation and rising living costs, which have made it challenging interest as earned by the fund or at the savings bank interest rate
for unorganised workers to continue contributing to the (whichever is higher), will be credited to the beneficiary.
voluntary pension program. PM-SYM: A Voluntary Contributory Pension Scheme
Impact of Inflation and Living Costs The PM-SYM scheme is a voluntary contributory pension scheme
Experts suggest that the persistently high prices have introduced by the Indian government. Its primary objective is to
significantly increased the cost of living, making it difficult for provide social security to millions of unorganised workers. The
unorganised workers to sustain the burden of monthly scheme is designed for unorganised sector workers aged 18 to
contributions under the PM-SYM scheme. Labor economist KR 40 years, earning less than Rs 15,000 per month. It aims to bring
Shyam Sundar highlighted that these exits may be permanent, these workers under the social security net and ensure their
with workers withdrawing both their contributions and the financial stability during retiremen.

Amrit Bharat Station Scheme (ABSS)
Southern Railway has taken a significant step towards enhancing The process of finalizing tenders is in its final stages for the
the facilities at railway stations by identifying 90 stations for remaining stations.
development under the Amrit Bharat Station Scheme (ABSS).
Inaugural Phase: Focus on Chennai, Salem, Tiruchirapalli, and
The scheme aims to prepare master plans for these stations and
Madurai Divisions
implement them in a phased manner.
Among the 90 stations, 60 fall within the divisions of Chennai,
Developmental Division Distribution Salem, Tiruchirapalli, and Madurai in Tamil Nadu. This inaugural
Each of the six divisions within the Southern Railway network has phase highlights the commitment to enhancing the stations
identified 15 stations for development, totaling 90 stations. This within these divisions.
strategic allocation ensures an equitable distribution of
Stations in Chennai Identified for Facelift
development projects across the region.
Several stations in Chennai have been identified for a significant
Master Plans and Tendering facelift, including Beach, Park, Guindy, St Thomas Mount,
Master plans for all 90 stations have been prepared by a Guduvancherry, Ambattur, Perambur, and Tiruvallur. The
consultant and approved by the Railway administration. Under allocation of Rs 251.97 crore from the total project fund of Rs 934
Phase-I, the identified work has been categorized, and tenders crore has been designated for carrying out 45 improvement
for developmental projects have been awarded for 35 stations. works in the Chennai zone.
Govt doubles income slab for EWS under PMAY

The Centre has recently made a significant change to the income Deputy Chief Minister Devendra Fadnavis, who also serves as
criteria for individuals falling under the Economically Weaker the Maharashtra Housing Minister, had urged the Centre to
Section (EWS) category in the Pradhan Mantri Awas Yojana– review the income criterion for the EWS category. The recent
Urban (PMAY-U) in the Mumbai Metropolitan Region (MMR). enhancement of the income slab in PMAY-U addresses this
The income threshold has been raised from Rs 3 lakh to Rs 6
concern and offers a more inclusive approach to affordable
lakh, aiming to expand eligibility and accessibility to affordable
housing. This change will enable a larger number of individuals
housing. This article explores the impact of this decision and its
implications for housing applicants in the region. from the EWS category to qualify for the scheme.
Expanding Eligibility for Affordable Housing: Missed Opportunity in the Mumbai MHADA Lottery:
Unfortunately, the recent Mumbai MHADA lottery for 4,082
houses, which concluded on July 12, missed the chance to
incorporate the increased income slab for PMAY-U houses.
Within the previous income threshold of Rs 3 lakh, the lottery
received a staggering 23,776 applications for the 1,947 PMAY
houses offered. This implies that if the income slab had been
revised earlier, more applicants from the EWS and LIG (Lower
Income Group) categories could have been eligible for PMAY
houses.
Future Opportunities for PMAY-U Applicants:

Although the previous lottery missed the chance to include the
revised income provision, the upcoming lottery draw will
consider the increased income slab. This means that applicants
from the EWS and LIG categories will have the opportunity to
apply for PMAY houses. The availability of PMAY houses in
Goregaon offers promising prospects for affordable housing in
the region.

High Demand for Mumbai MHADA Houses: Pradhan Mantri Awas Yojana–Urban (PMAY-U) was initiated
Mumbai MHADA received a staggering 1.19 lakh applications for by the housing and poverty alleviation ministry at the Centre.
the 4,082 houses offered in the recent lottery. The lottery draw The scheme aims to provide affordable housing to individuals
date is yet to be decided, but the high number of applications belonging to the EWS and LIG categories.
demonstrates the pressing demand for affordable housing in  The Centre offers a subsidy of up to Rs 2.5 lakh per dwelling
Mumbai. The increased income slab for PMAY-U will likely attract unit under this affordable housing partnership.
even more applicants in future housing lotteries, providing relief  The income slabs for EWS homebuyers in Maharashtra vary
to individuals seeking affordable homes. depending on the region, with the current threshold set at
Rs 6 lakh for MMR, Pune, and Nagpur, and Rs 4.5 lakh for the
Overview of Pradhan Mantri Awas Yojana–Urban:
rest of the state. However, these income slabs were not
previously applicable to PMAY projects

43 New implementing partners empanelled under SAMARTH Scheme
Intro Silent Features of SAMARTH Scheme:

According to the Textile Ministry, 43 new implementing partners  SAMARTH Scheme provides enhanced facility of skill
empanelled under SAMARTH schemes with an additional development to the master trainers.
training target of 75,000 beneficiaries and 5% increment in  Aadhar Enabled Biometric Attendance System (AEBAS): That
support to implementing partners. ensures the credibility of the trainers and the beneficiaries.
 CCTV recording of training programmes: To avoid major
What’s in News? conflicts in the functioning of the scheme, training institutes
 The Empowered Committee for Scheme for Capacity are fixed with CCTVs.
Building in Textiles Sector (SAMARTH) announced the  Dedicated call centre with helpline number.
inclusion of 43 new implementing partners with an  Mobile app-based Management Information System (MIS).
additional training of 75,000 beneficiaries.  On-line monitoring of training processes.
 The decision was taken with the motive to enhance the skill Objective of the SAMARTH Scheme:
development of the workforce in the textile sector.  It provides National Skills Framework Qualification (NSFQ)
 To provide financial support to industries involved in complaint skilling programmes to over 10 lakh persons.
imparting skills under the SAMARTH scheme, implementing  The skilling programmes offered under the SAMARTH
partners will get 5% increment. Scheme aims to incentivize and supplement the efforts of
 The ministry of textile has joined forces with a total of 157 the Textile Industry.
Textile Industries/Industry Associations, 16 Central/State  SAMARTH Scheme aims to create job opportunities in the
Government Agencies and 3 Sectoral Organisation of the textile and other related sectors.
Ministry which aims to effectively carry out training  Traditional sectors of handlooms, handicrafts, sericulture
programs under SAMARTH Schemes. and jute will be upgraded through skilling and skill
upgradation.
 The expansion of SAMARTH Scheme through the addition of
 It also aims to induce self-employment capabilities among
implementing partners and increased training targets,
youth and others.
signifies the government’s commitment to promote skill
 It also aims to promote sustainable livelihood to all sections
development and create employment opportunities in the
of the society.
textile sector.
About the SAMARTH Scheme:
 SAMARTH Scheme is a Scheme for Capacity Building in the
Textile Sector (SCBTS).
 SAMARTH is a demand driven and placement oriented
umbrella skilling programme of Ministry of Textiles.
 The scheme was formulated under the broad skilling policy
framework.
 SAMARTH Scheme has been launched by the Cabinet
Committee on Economic Affairs in 2017 under the Ministry
of Textile.
 Organised and Traditional Sector are targeted under the
SAMARTH Scheme.

DGFT implements the Advance Authorisation Scheme
The Ministry of Commerce & Industry, through the Directorate Obtaining Advance Authorisation with Ease
General of Foreign Trade (DGFT), oversees the Advance Exporters can now access the database on the DGFT website
under Services –> Advance Authorisation/DFIA –> Ad-hoc norms.
Authorisation Scheme, enabling duty-free import of inputs for
If an ad-hoc norm aligns with the item description and specified
export purposes. The scheme’s eligibility is determined by wastages, and complies with the provisions outlined in the
Sector-specific Norms Committees, evaluating input-output Handbook of Procedures (HBP), applicants can opt for an
norms. To enhance efficiency and streamline the norms fixation Advance Authorisation under the “No-Norm Repeat” basis. This
process, the DGFT has made significant advancements to the option allows users to obtain an advance authorisation without
having to approach the Norms Committee again, thereby
Advance Authorisation and Norms Fixation Workflow. reducing workload and enabling faster processing, subject to
FTP/HBP provisions.
Introducing the User-Friendly Database
To simplify norms fixation, the DGFT has developed a searchable Key Benefits of the Initiative
database of Ad-hoc Norms established in previous years. These  By simplifying the advance authorisation and norms fixation
process, this trade facilitation measure significantly shortens
norms, outlined in the Foreign Trade Policy 2023, can now be turnaround times for exporters.
accessed by any exporter without necessitating a review by the  It enhances the ease of doing business and reduces the
Norms Committee. This innovative database, available on the compliance burden, benefiting the export community as a
DGFT website, enables users to search using Export or Import whole.
Item Descriptions, Technical Characteristics, or Indian Tariff  This streamlined approach aligns with the government’s
vision of promoting exports and fostering a conducive
Classification ITC (HS) codes. business environment.
CM Baghel launched new rural housing scheme: Gramin Awaas Nyay Yojna
CM Bhupesh Baghel announced the launching of New Rural  This scheme is one of the Nyay schemes started by Chief
Housing Scheme named Gramin Awaas Nyay Yojna on 19th July Minister of Chhattisgarh, Bhupesh Baghel.
to provide free housing facility to the poor.  A budget of 100 crore rupees has been allocated for Gramin
What’s in News? Awas Nyay Yojna.
A new housing scheme named Gramin Awaas Nyay Yojna  With the implementation of this scheme, families living in
launched by the Chhattisgarh Government, CM Bhupesh Baghel, rural areas no longer need to worry about their pucca house.
with an objective to provide the free housing facility to the poor
in the state. Gramin Awaas Nyay Yojna will cover up those Beneficiaries under Gramin Awaas Nyay Yojna:
families who are not eligible for PM Awaas Yojna based on 2011  Only citizens of Chhattisgarh are eligible to avail the benefits
SECC, based on the new survey conducted by the Department of of this scheme.
Panchayat and Rural Development.  Only poor families residing in the rural areas can avail the
About the Gramin Awaas Nyay Yojna: benefits of this scheme.
Gramin Awaas Nyay Yojna is a new housing scheme of  Those families who are ineligible under the PM Awaas Yojna
Chhattisgarh launched on 19th July with an objective to provide 2011 SECC will be the beneficiary under the Gramin Awaas
pucca house to those poor families who are ineligible for PM Nyay Yojna.
Awaas Yojna 2011 SECC. The data of the beneficiaries will be
collected by the survey which will be conducted by the Required documents under the Gramin Awaas Nyay Yojna:
Department of Panchayat and Rural Development.  Aadhar Card
 Residence Certificate
Features of the Gramin Awaas Nyay Yojna:
 Income Certificate
 This scheme is announced during the monsoon assembly
session 2023.  Ration Card

CM Sukhu launched scheme to economically empower women
CM of Himachal Pradesh announced the launching of a collateral- providing loan facilities to them which will help them to fulfil
free loan scheme, namely Sashakt Mahila Rin Yojna to their day-to-day needs and their entrepreneurial dreams.
economically empower women.
Benefits provided under the scheme:
About the scheme: Under this scheme, beneficiaries will get the credit facility of
Himachal Pradesh CM Sukhvinder Singh Sukhu launched a new Rs.21,000, Rs.51,000 and Rs.1,01,000 at a relatively low interest
scheme on 20th July to economically empower women. rates of 8.51%. The main benefit of this scheme is that
The ‘Sashakt Mahila Rin Yojna’ is an initiative of the Himachal beneficiaries need not to provide any assets or collateral as
Pradesh State Cooperative Bank (HPSCB) which will provide security against the loan amount.
loans to women for pursuing their entrepreneurial dreams,
engage in livelihood activities, fulfil their day-to-day needs and Significance of the Scheme:
uplift their families.  This scheme will economically empower women to fulfil
their needs and dreams.
Eligibility Criteria:
 The absence of collateral will remove a significant barrier for
This scheme is mainly launched to provide financial assistance to
women, especially those who are may not have any valuable
bonafide Himachali women to fulfil their needs and dreams.
assets to offer as security to raise loan.
Objective:  This scheme will contribute to the economic empowerment
Sashakt Mahila Rin Yojna has been launched with the primary of women, make them financially independent and improve
aim to economically empower women of Himachal Pradesh by their socio-economic status.
First ever “Credit Guarantee Scheme” for Livestock Sector launched for rebooting rural economy by leveraging MSMEs
The Indian government has introduced a pioneering “Credit  This will enhance the productivity and growth of the
Guarantee Scheme” for the Livestock Sector aimed at livestock sector.
revitalizing the rural economy and empowering Micro, Small &
Objectives of the Credit Guarantee Scheme:
Medium Enterprises (MSMEs).
The Department of Animal Husbandry & Dairying (DAHD) has Ensuring Project Viability:
established a Credit Guarantee Fund Trust of Rs 750 crore to  The primary objective of the scheme is to prioritize project
provide credit guarantee coverage to eligible lending viability over collateral security, ensuring that lenders
institutions, enabling improved access to finance for the evaluate credit facilities based on the sustainability and
underserved livestock sector. potential of the assets financed.
Significance of the Credit Guarantee Scheme: Bridging the Financial Gap:
The Credit Guarantee Scheme holds substantial importance for The scheme facilitates access to finance for the unserved and
the livestock sector and the overall rural economy by: underserved segments of the livestock sector, enabling them to
Empowering Unprivileged Entrepreneurs: receive financial support from lending institutions.
 The scheme focuses on supporting first-generation Encouraging MSME Participation:
entrepreneurs and underprivileged sections of society who  By extending credit guarantee to MSMEs, the scheme
lack collateral security for their ventures in the livestock encourages their active participation in the livestock sector,
sector. which contributes significantly to rural economic
 It provides them with financial assistance and access to development.
credit facilities.
Key Points:
Boosting Livestock Sector:
 By providing credit guarantee coverage, the scheme Establishment of Credit Guarantee Fund Trust:
encourages investments in dairy and meat processing,  The DAHD has established a Credit Guarantee Fund Trust of
animal feed plants, breed improvement technology, waste Rs 750 crore to provide credit guarantee coverage to eligible
management, and veterinary vaccine and drug lending institutions up to 25% of credit facilities extended to
manufacturing facilities. MSMEs in the livestock sector.

Stimulus Package under AtmaNirbhar Bharat Abhiyan: establish the Credit Guarantee Fund Trust for extending
 The establishment of the credit guarantee fund trust was credit guarantee to MSMEs under the AHIDF scheme.
approved under the Prime Minister’s AtmaNirbhar Bharat
Abhiyan stimulus package of Rs. 15,000 crores for Animal Rule-based B2B Portal:
Husbandry Infrastructure Development Fund (AHIDF).  The credit guarantee portal has been developed as a rule-
based B2B portal, facilitating the enrollment of eligible
Collaboration with NABARD:
 DAHD collaborated with NABSanrakshan Trustee Company lending institutions, issuance/renewal of credit guarantee
Private Limited, a wholly owned subsidiary of NABARD, to cover, and settlement of claims under the scheme.
India is considering expanding its solar STAR-C to a number of Pacific Island countries
India is considering expanding its solar STAR-C initiative operated Joint-Effort:

by ISA, to a number of Pacific Island countries. The ISA was conceived as a joint effort by India and France to
mobilize efforts against climate change through the
About STAR-C development of solar energy solutions.
Solar Technology and Application Resource Centre (STAR-C) is
one of the initiative of International Solar Alliance (ISA). Headquarter:
It is the first International intergovernmental organization to be
Objective: headquartered in India.
The main objective of STAR-C is to create a strong network of
Administration:
institutional capacities within IAS member states to enhance
ISA is headed by the Director General. The Director General
quality infrastructure for the uptake of solar energy product and
leads the operations and carries out the functions of the ISA
service markets, particularly in least developed countries and
Secretariat. He is responsible to the ISA Assembly. He has a term
small island developing states. of four years and is eligible for re-election.
Governance: Eligibility:
The STAR-C project is jointly implemented by International Solar All member states of the United Nations are eligible to join the
Alliance (ISA) and United Nations Industrial Development ISA. Countries that do not fall within the Tropics can join the
Organization (UNIDO) is supervised by the Supervisory alliance and enjoy all benefits as other members, with the
Committee. exception of voting rights.
Initial Focus: ISA’s ‘Towards 100’ Strategy:
Initially, the focus was on the Economic Community of West The ISA is guided by its ‘Towards 100’ strategy which aims to
African States, the Pacific Island Forum, and the East African mobilise USD 1,000 billion of investments in solar energy
Community. solutions by 2030 while delivering energy access to 1,000 million
people using clean energy solutions and resulting in installation
Expansion: of 1,000 GW of solar energy capacity.
India is considering expanding STAR-C to a number of Pacific
Island countries with aim to promote solar power ecosystems Significance:
Through this work, ISA has:
and addressing climate change in the region.
 Identified and designed and tested new business models for
International Solar Alliance (ISA): solar projects.
The International Solar Alliance is an alliance of more than 120  Supported governments to make their energy legislation
signatories, most being sunshine countries, which lie either and policies solar-friendly through ease of doing solar
completely or partly between the Tropic of Cancer and the Tropic analytics and advisory.
of Capricorn.  Pooled demand for solar technology from different
countries and drove down costs.
Objective:  Improved access to finance by reducing the risks and making
The primary objective of this alliance is to work for efficient the sector more attractive to private investment.
consumption of solar energy to reduce dependence on fossil-  Increased access to solar training, data and insights for solar
fuels. engineers and energy policymakers.

Tamil Nadu CM inaugurates registration camp for applicants to avail Rs 1,000 monthly assistance scheme
Tamil Nadu Chief Minister, M K Stalin has inaugurated a camp Benefits:
on 24th July to facilitate the registration of applicants to avail Kalaignar Magalir Urimai Thittam scheme will provide Rs.1,000
the Rs.1,000 monthly assistance scheme. per month as financial assistance to the eligible women.
What’s in News? Eligibility:
A camp has been inaugurated by Tamil Nadu CM M K Stalin on  Applicant should be a resident of Tamil Nadu.
24th July with an objective to facilitate the registration of  Applicant’s age should be above 21 years.
applicants to avail Rs.1,000 monthly assistance scheme.  Annual family income of the applicant should not be more
Phases of Camp: than Rs.2,50,000 per year.
About 35,923 camps are set to be held across the state for the  Land holding of applicant’s family should not be more than
registration process: 5 acre of wetland.
 The first phase of this registration camp for Dharmapuri  The annual electricity consumption of applicant’s family
district would be held from July 24 to August 4 which aims should be below 3600 units.
to cover 2,21,484 ration card holders. Documents required:
 The second of this camp would be conducted between 5  Domicile or residence proof of Tamil Nadu
August and 16 August to cover 2,47,111 ration card holders.  Passport size photographs
Kalaignar Magalir Urimai Thittam (Scheme for Women’s Right):  Ration card
Kalaignar Magalir Urimai Thittam is the major socio economic  Aadhar card
welfare scheme of Tamil Nadu Government which will going to  Electricity bill
launch on 15th of September 2023 under the Department of  Mobile number
Social Welfare and Women Empowerment.  Bank account details
Objective: How to register under the Scheme?

The main objective behind launching this scheme is to empower Beneficiaries can register themselves under the scheme at the
women financially so that their livelihood and standard of living registration camps organized by CM M K Stalin from 24 July to 4
will improve. August.

Ladli Behna Yojana: Benefits and Registration Started
Why Ladli Bahna Yojana in news? yourself or your loved ones! Apply now and reap the benefits of
The second phase of the Ladli Bahna Yojana, an ambitious the Ladli Bahna Yojana.
initiative by the state government, has commenced its
Benefits of Ladli Bahna Yojana
application process on July 25th. Launched this year, this scheme
Our sisters whose age is 21 to 23 years and such sisters who also
aims to empower women financially. Eligible women can now
have tractors, all of them are being linked to Ladli Bahna Yojana.
apply from five different locations, and in order to extend its
Now they will also get the benefit of the scheme. Let us inform
benefits to more women and daughters, the eligibility criteria
that those who had a tractor at the time of first phase of
have been relaxed this time. This Madhya Pradesh government
application were kept out of the application.
scheme ensures that eligible members receive a monthly
Application rules and eligibility conditions for Ladli Bahna Yojana
transfer of Rs. 1,000 to their bank accounts on the 10th of each
have been simplified. To get the benefits of the scheme, general
month, further enhancing their financial stability and
category, other backward castes, scheduled castes, scheduled
independence. Apply now to avail the benefits of this
tribes, minorities, women, abandoned women, widows are
empowering program!
eligible to apply. Women must be a local resident of Madhya
Application for second phase of Ladli Bahna Yojana starts from Pradesh. The age limit for application is from 21 to 60 years,
today earlier the age limit was 23 years.
The Madhya Pradesh government has launched the Ladli Bahna
Apply for Ladli Bahna Yojana from these 5 places.
Yojana on March 15, 2023, with the noble objective of
 Forms of Ladli Bahna Yojana are being filled offline. The
empowering daughters and women economically. So far, the
government has made the forms of the scheme available at
scheme has successfully provided financial assistance to 1.25
5 places-
crore eligible members, with payments released twice. Now, the
 From panchayat center
applications for the second phase have commenced on July 25th,
 Through accountant
aiming to include those women who were previously unable to
 Through Panchayat Secretary
avail the scheme’s benefits. Additionally, women who own a
tractor will also be eligible to take advantage of this program.  Through principal
Don’t miss this opportunity to secure financial strength for  From special camp office
Why PM DevINE scheme in news?

What’s in News?  To support social development projects based on felt needs
Prime Minister’s Development Initiative for North Eastern of the NER.
Region (PM-DevINE) scheme was announced as a new Central
 To enable livelihood activities for youth and women.
Sector Scheme. This scheme was 100% funded by Central
Government in the Union Budget of 2022-23 with initial list of  To fill the development gaps in various sectors.
seven projects and an initial allocation of Rs.1500 crore. Keeping in view the objectives of the PM DevINE Scheme, eleven
PM-DevINE scheme got approval by the Cabinet on 12th October projects amounting to Rs.1503.44 crore including the seven
2022 with an overall outlay of Rs.6,600 crore for the 4 years projects announced in Budget 2022-23, have been selected for
period from 2022-23 to 2025-26 (remaining years of the 15th sanction in FY 2022-23 and an amount of Rs.121.10 crore has
Finance Commission period).
been disbursed.
Objectives of PM-DevINE Scheme: The time frame defined for PM-DevINE scheme projects is 2023-
 To fund infrastructure convergently, in the spirit of PM 24 for sanction and 2025-26 for completion.
GatiShakti.

State-Wise Project List approved during 2022-23:
S. Approved
Name of the Project State Implementing Agency
NO. Cost (in Rs.)
Establishment of Dedicated Services for the
Dr. B. Borooah Cancer
Management of Paediatric and Adult
1. Guhawati-Multi State Institute, Guhawati, D/O 129
Haematolymphoid Cancers in North East India,
Atomic Energy
Guhawati.
12 locations in 7 States-
North-East Centre for
Arunachal Pradesh (1),
NECTAR Livelihood Improvement Project (Multi- Technology Application
Assam (4), Manipur (1),
2. State)- Utilization of Banana Pseudo Stem for & Research (NECTAR), 67
Meghalaya (1), Mizoram
Value-added products. D/O Science &
(1), Nagaland (2), Tripura
Technology.
(2).
North-East Centre for
Technology Application
Promoting Scientific Organic Agriculture in Demo Labs in Meghalaya,
3. & Research (NECTAR), 45
North-East India (Multi-State) Assam and Tripura.
D/O Science &
Technology.
Gap Funding for Passenger Ropeway System
Tourism and Civil
from Pelling to Sanga-Choeling in West-Sikkim-at
4. West Sikkim- Sikkim Aviation Department, 64
the cost of Rs.63.39 crore of the total cost of
Govt. of Sikkim
Rs.108.30 crore
Gap Funding for Eco-friendly Passenger Ropeway
Tourism and Civil
(Cable Car) from Dhapper to Bhaleydunga in
5. South-Sikkim- Sikkim Aviation Department, 58
South-Sikkim- at the cost of Rs.57.82 crore (28%)
Govt. of Sikkim
of total cost of Rs.209.57 crore.
45 km from NH-108 at
Construction of Aizwal By-pass road on Western Public Work Department,
6. Sinhmui to Aizwal-Lunglei 500
Side Govt. of Mizoram
Road, Mizoram
Pilot Project for the Construction of Bamboo
Link Road at different locations in various
Tuirial Airfield to North
districts of Mizoram- (i) Tuirial Airfield to North Public Work Department,
7. Chaltlang and Lengpui to 100
Chaltlang (18km) at a cost of Rs.33.58 crore; (ii) Govt. of Mizoram
Saiphal, Mizoram
Lengpui to Saiphal Bamboo Plantation (41km) at
a cost of Rs.66.42 crore
Construction of new four-lane road and
Directorate of Urban
conversion of existing two-lane into four-lane
8. New Shillong, Meghalaya Affairs, Govt. of 146.79
roads with cycling tracks, utility ducts, footpaths
Meghalaya
etc. at New Shillong Township
Transformation of 20 school as Centre of Public Work Department.
9. Kamrup District, Assam 132.86
Excellence in the Kamrup District Govt. of Assam
Establishment of Solar Micro Grid for supply of 274 Remote hamlets TREDA, Department of
10. 80.79
reliable power to Remote Habitations in Tripura across Tripura State Power, Govt. of Tripura
Department of Under-
Livelihood projects relating to Special Developed Areas
11. 4 districts of Nagaland 1
Development of Eastern Nagaland- (22 Nos.) (DUDA), Govt. of
Nagaland

Govt Approves 8.15% Interest Rate on Employees Provident Fund Deposits for 2022-23
The Union government has approved an increased interest rate Justification for the Interest Rate Increase
of 8.15% on Employees Provident Fund (EPF) deposits for the  The CBT noted that the interest rate of 8.15% and a surplus
financial year 2022-23. This decision comes after the EPFO of Rs 663.91 crore are higher compared to the previous year.
trustees ratified the proposal to raise the interest rates, which  It cited the EPFO’s ability to distribute higher income to its
had been at a four-decade low of 8.10% for the previous fiscal members during various economic cycles while maintaining
year. The higher interest rate will benefit over six crore EPF minimal credit risk.
subscribers and is expected to be credited to their accounts soon.
 The EPFO’s investment credit profile was deemed favorable,
Background of the EPF Interest Rates making the EPF interest rate more attractive than other
 In March 2022, the Employees Provident Fund Organisation comparable investment options available to subscribers.
(EPFO) reduced the interest rate to a four-decade low of
EPF Contribution Details
8.10% for FY 2021-22 from the previous rate of 8.5% in FY
2020-21.  Contributions to the Employees’ Provident Fund (EPF) are
 The EPF interest rate had not been as low as 8.10% since mandatory for both employees and employers.
1977-78 when it stood at 8%.  Employees contribute 12% of their wages to their EPF
accounts, while employers contribute 3.67% to the EPF
Approval of Increased Interest Rate account.
 The remaining 8.33% of the employer’s contribution is
allocated towards the Employees’ Pension Scheme (EPS).
 Interest earned on EPF deposits will be taxable if the total
deposits in an EPF and voluntary provident fund (VPF)
account exceed Rs 2.5 lakh in a financial year.
Key Points About Employees Provident Fund Organisation
(EPFO):
 Employees Provident Fund Organisation (EPFO) is a
statutory body under the Ministry of Labour and
Employment, Government of India.
 It manages the Employees’ Provident Fund (EPF), a social
 Govt Approves 8.15% Interest Rate on Employees Provident security scheme for salaried employees in India.
Fund Deposits for 2022-23  EPFO’s primary objective is to promote retirement savings
 On March 28, 2023, the EPFO decided to increase the and provide financial security to employees after
interest rates for the financial year 2022-23 to 8.15%, retirement.
subject to final government approval.
 Both employees and employers are required to make
 The Union government ratified the decision, raising the
contributions to the EPF account, with employees
interest rate from the previous year’s low of 8.10%.
contributing 12% of their wages and employers contributing
Beneficiaries of the Interest Rate Hike 3.67%.
 The EPF currently has over six crore subscribers, who will  The EPF interest rate is determined by the EPFO’s Central
benefit from the higher interest rate of 8.15% for the Board of Trustees (CBT) and is subject to government
financial year 2022-23. approval.
 EPFO’s field offices have been instructed to credit the  EPFO also manages the Employees’ Pension Scheme (EPS),
increased interest rate into the subscribers’ EPF accounts. where a portion of the employer’s contribution goes
Approval Process towards pension benefits.
 The EPFO trustees approved the rate hike, following which  EPFO provides various online services, including EPF balance
the finance ministry granted its approval for the increase. check, claim status, and UAN (Universal Account Number)
 The Central Board of Trustees (CBT) of the EPFO, led by the activation.
Union Labour and Employment Minister, is the apex  EPF contributions and interest earned are tax-exempt up to
decision-making body responsible for making such a certain limit, but interest exceeding the limit may be
decisions. taxable.

Over 6.23 Crore Loans Sanctioned Under Pradhan Mantri MUDRA Yojana in FY 2022-23
In Financial Year (FY) 2022-23, the Pradhan Mantri MUDRA Complaint Redressal Mechanism:
Yojana (PMMY) has achieved a significant milestone by The government is committed to ensuring the smooth
sanctioning over 6.23 crore loans. The Union Minister for State implementation of the PMMY and has set up a robust complaint
redressal mechanism. Any complaints related to the scheme’s
for Finance, Dr. Bhagwat Kisanrao Karad, shared this
execution are promptly addressed in consultation with the
information in a written reply during a Lok Sabha session. The respective banks.
PMMY aims to facilitate access to institutional finance for new
and existing micro units or enterprises, offering loans of up to 10 Centralised Public Grievance Redress and Monitoring System:
The Centralised Public Grievance Redress and Monitoring System
lakh rupees.
plays a crucial role in addressing complaints related to the
Objective of Pradhan Mantri MUDRA Yojana (PMMY): PMMY. Any grievances received through this system are
efficiently handled, and appropriate actions are taken to resolve
The primary goal of the PMMY is to provide financial support to
them.
micro-businesses and entrepreneurs who may not have access
to formal credit channels. By offering loans up to 10 lakh rupees, Timely Redressal of Complaints:
the scheme aims to boost entrepreneurship, generate To maintain efficiency and accountability, complaints received
through the Centralised Public Grievance Redress and
employment, and foster economic growth at the grassroots
Monitoring System are addressed within the prescribed timeline.
level. This ensures that borrowers and beneficiaries do not face
Loan Sanctions in FY 2022-23: unnecessary delays in grievance resolution.
During the financial year 2022-23, the PMMY witnessed a Collaboration with Banks:
substantial surge in loan sanctions, surpassing the 6.23 crore The government actively collaborates with the respective banks
mark. This indicates a strong demand for credit among micro- involved in the implementation of the PMMY to address and
resolve any issues that arise. This partnership ensures that the
enterprises and highlights the success of the scheme in
benefits of the scheme reach the intended beneficiaries without
empowering small businesses. hindrance.
Government extends Atal Beemit Vyakti Kalyan Yojana for two years
The government has decided to prolong the duration of the Atal Under this scheme, eligible beneficiaries receive relief equal to
Beemit Vyakti Kalyan Yojana, the unemployment scheme under 50% of their average per day earnings from the preceding four
the Employees’ State Insurance Corporation, for an additional contribution periods. This is calculated as the total earning
two years until June 30, 2024. during those four periods divided by 730.
This marks the scheme’s third extension, with previous
Eligibility Criteria for ABVKY Benefits
extensions granted in both 2020 and 2021. These extensions aim
To avail the benefits offered by ABVKY, insured individuals must
to continue providing financial support to ESIC beneficiaries who
satisfy the following criteria:
faced job losses during the pandemic
 The person should have been in insurable employment for
Atal Beemit Vyakti Kalyan Yojana: A Welfare Measure for ESIC a minimum of two years prior to their unemployment.
Covered Employees During Unemployment  They must have contributed for at least 78 days during the
The scheme was initially introduced on a pilot basis in 2018, contribution period immediately preceding their
intended to run for two years. However, due to the outbreak of unemployment and a minimum of 78 days in at least one of
Covid and the ensuing lockdown, the government extended the the remaining three contribution periods within the two
unemployment scheme beyond its initial duration. years prior to their unemployment.
This scheme serves as a welfare initiative for employees falling Eligible individuals seeking benefits from the Atal Beemit Vyakti
under Section 2(9) of the ESI Act, 1948, offering them relief Kalyan Yojana can apply by submitting appropriate documents,
payments for a period of up to 90 days in the event of including the ESI card or relevant paperwork from their
unemployment, but limited to a one-time benefit. employing company.

Why Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) in news?
Minister of State for health S.P. Singh Baghel told about the Funding
target achievement of Ayushman Bharat-Pradhan Mantri Jan The funding of this scheme for all the states and UTS with their
Arogya Yojna which has resulted in huge out-of pocket own legislation is in the ratio of 60:40.
The fund sharing ratio for Northeast states, Jammu and
expenditure savings related to hospitalisations for the targeted
Kashmir, Himachal Pradesh and Uttarakhand is 90:10.
beneficiaries. All the UTs without any legislation are 100% central funding.
Minister of State for health stated a total of 3.14 crore
Budget allocation for 2023
beneficiaries are benefitted under the Ayushman Bharat-
The PM-JAY has received an allocation of Rs.7,200 crore under
Pradhan Mantri Jan Arogya Yojna during the last two years. the Union Budget 2023.
About the Ayushman Bharat-PM Jan Arogya Yojna Challenges
PM-JAY is the world’s largest health insurance/ assurance  Lack of cooperation of states
scheme fully financed by the government.  Burden of costs
This scheme was launched in February 2018 with the aim to  Inadequate health capacities
provide free medical treatment of up to Rs.5 lakh per family for  The National Health Policy 2017 proposed “strategic
purchasing” of services from secondary and tertiary
secondary care (which doesn’t require super specialist) as well as
hospitals for a fee.
for tertiary care (which requires super specialist).
Under PM-JAY, cashless and paperless access to services are Achievements
According to the data about 3.14 crore beneficiaries are
provided to the beneficiaries at the point of service, that is
benefitted under the scheme during the last two years. This
hospital. scheme played a key role during the Covid-19 pandemic which
Health Benefit packages under the PM-JAY covers surgery, ensured that a PM-JAY eligible migrant worker can access the
medical and day care treatment, cost of medicines and diagnosis. scheme’s services across the country, irrespective of their
residence
Agency responsible
An autonomous entity has been constituted under the Society
Registration Act, 1860 namely National Health Authority (NHA),
for the effective implementation of PM-JAY in alliance with the
state governments.
The State Health Authority (SHA) is the apex body of the state
government responsible for the implementation of PM-JAY in
the state.
Beneficiaries
Under this scheme the beneficiaries are identified by the latest
data of Socio-Economic Caste Census (SECC). Once the
identification is done, the beneficiaries are insured and walk into
any empaneled hospital.

Gujarat govt completes SAUNI Yojana
Why in News? Links under SAUNI Yojana
Under the SAUNI (Saurashtra Narmada Avtaran Irrigation)
scheme, the Government of Gujarat has successfully completed
the construction of Package 8 and Package 9 of Link-3. Prime
Minister Narendra Modi is set to inaugurate and dedicate this
significant project to the people of Saurashtra in the near future
SAUNI Yojana: Empowering Gujarat’s Farmers with Day-Time
Electricity and Smart Water Management
The Saurashtra Narmada Avtaran Irrigation (SAUNI) Yojana,
initiated by the Prime Minister, seeks to supply daytime
electricity to farmers in Gujarat for agricultural and irrigation
needs. Its primary goal is to channelize excess floodwaters from
the Sardar Sarovar Dam, located along the Narmada river, and
use them to replenish 115 major dams in drought-prone regions.
SAUNI Yojana: An Innovative Approach to Address Water Link 1: This link connects Machhu-II dam in Morbi district to Sani
Shortage and Land Acquisition Challenges in Saurashtra Dam in Jamnagar District. With a carrying capacity of 1200
The SAUNI project functions as a linking endeavor with the cusecs, it will fill 30 reservoirs in Rajkot, Morbi, Devbhoomi
purpose of supplying water to regions where the irrigation dams Dwarka, and Jamnagar Districts, benefiting an area of 2,02,100
are already integrated into canal networks. This initiative proves acres.
highly advantageous for these areas, especially considering the Link 2: Connecting Limbdi Bhogavo-II Dam in Surendranagar
severe drought conditions prevailing in Saurashtra. A significant District to Raidi Dam in Amreli District, this link has a carrying
distinction lies in the use of pipelines instead of the conventional capacity of 1050 cusecs. It will benefit 17 reservoirs in Bhavnagar,
open canals employed in most irrigation projects. This approach Botad, and Amreli Districts, covering an area of 2,74,700 acres.
addresses the land acquisition disputes and challenges that are Link 3: This link links Dholidhaja Dam in Surendranagar District
to Venu-I Dam in Rajkot District, with a carrying capacity of 1200
commonly encountered, making the SAUNI project feasible and
cusecs. It will provide water to 28 reservoirs in Rajkot, Jamnagar,
viable.
Devbhoomi Dwarka, Porbandar, Morbi, and Surendranagar
SAUNI Yojana: Saurashtra Region Districts, benefiting an area of 1,98,067 acres.
Link 4: Connecting Limbdi Bhogavo-II Dam in Surendranagar
District to Hiran-II Irrigation Scheme in Junagadh, this link has a
carrying capacity of 1200 cusecs. It will benefit 40 reservoirs in
Rajkot, Surendranagar, Junagadh, Porbandar, Gir Somnath,
Amreli, and Botad Districts, covering an area of 3,47,722 acres.
In total, Sauni Yojana encompasses the development of a
approximately 1300-km pipeline network, which will effectively
channel water into farms and significantly improve water
availability and irrigation opportunities in the region.
SAUNI Yojana: Transforming Drought-Prone Saurashtra with
Extensive Water Network and Vital Benefit
The SAUNI Yojana is a lifeline for drought-prone Saurashtra,
aiming to store 1 million acre-feet of water in 115 reservoirs
across 11 districts. 1203 kms of pipelines have been laid in the
last 7 years and it has provided 71,206 million cubic feet of water,
Situated on the Arabian Sea coast in Gujarat, India, Saurashtra is
benefiting 95 reservoirs, 146 ponds, and 927 check dams,
a peninsular region covering about a third of the state and
enhancing irrigation on 6.50 lakh acres and supplying potable
including 11 districts, notably Rajkot District. Geographically, water to 80 lakh people.
Saurashtra poses several challenges, such as low groundwater When completed, it will benefit more than 970 villages with
levels and limited reservoir storage capacity. Additionally, the irrigation, covering 8,24,872 acres, and provide drinking water to
region suffers from insufficient and irregular rainfall, leading to 82 lakh people. 95 % of SAUNI project has been completed at an
reduced rainwater storage. In order to tackle these challenges, expenditure of rupees 18,563 crore and the remaining work is
the SAUNI Yojana was conceptualized. progressing rapidly.

Atmosphere & Climate Research-Modelling Observing Systems & Services (ACROSS) umbrella scheme
The Cabinet Committee on Economic Affairs, under the The ACROSS scheme encompasses various atmospheric science
leadership of Prime Minister Shri Narendra Modi, has been given programs under the Ministry of Earth Sciences, focusing on
its nod for the continuation of the umbrella scheme weather and climate services.
“Atmosphere & Climate Research-Modelling Observing  It consists of eight sub-schemes, which will be implemented
Systems & Services (ACROSS)” for the next finance cycle of five in an integrated manner through IMD, IITM, NCMRWF, and
years (2021-2026). INCOIS.
The Ministry of Earth Sciences (MoES) is implementing the
Each institute has been assigned specific roles for carrying out
ACROSS scheme through its units, namely India Meteorological
tasks under the following sub-schemes:
Department (IMD), National Centre for Medium Range Weather
Forecasting (NCMRWF), Indian Institute of Tropical Meteorology
(IITM), and Indian National Centre for Ocean Information
Services (INCOIS).
Objectives and Sub-Schemes
Commissioning of Polarimetric Doppler Weather Radars

(DWRs) – IMD:
 This sub-scheme aims to commission advanced weather
radars for better weather monitoring.
Upgradation of Forecast System – IMD:
 It focuses on enhancing the weather forecast system to
provide more accurate and timely predictions.
Weather & Climate Services – IMD:
 This sub-scheme aims to deliver improved weather and
climate services to end-users.
Atmospheric Observations Network – IMD:
 It involves the establishment of an extensive atmospheric
observation network for comprehensive data collection.
Numerical Modelling of Weather and Climate – NCMRWF:
 This sub-scheme focuses on developing advanced numerical
models for weather and climate predictions.

Monsoon Mission III – IITM/NCMRWF/INCOIS/IMD:  The delivery of these services will require a substantial
 The goal is to study and understand the monsoon patterns workforce, thereby generating employment opportunities
and improve monsoon forecasts.
for many individuals.
Monsoon Convection, Clouds, and Climate Change (MC4) –
IITM/NCMRWF/IMD: Background and Rationale
 This sub-scheme aims to study monsoon-related  The Ministry of Earth Sciences (MoES) is tasked with
phenomena and climate change implications. observing and researching weather, climate, and ocean
High-Performance Computing System (HPCS) – IITM/NCMRWF: parameters, with the aim of enhancing weather and climate
 It involves the establishment of high-performance forecasting capabilities and addressing climate change-
computing systems to process and analyze vast amounts of related challenges.
data.
 The increased occurrence of extreme weather events due to
Impact and Employment Generation global climate change has led to the formulation of various
target-oriented programs, which are now integrated under
the umbrella scheme “ACROSS.”
 The collaboration of IMD, IITM, NCMRWF, and INCOIS
ensures a comprehensive approach to address weather and
climate-related phenomena for societal, economic, and
environmental benefits.
 The ACROSS scheme will lead to significant improvements in

weather, climate, and ocean forecasts, benefiting various
sectors such as agriculture, aviation, environment, water
management, and tourism, among others.

Why ‘Sahkar Se Samriddhi’ Scheme in News?
Ministry of Cooperation has taken various initiatives in order to 8. License fee for onboarding cooperative banks to ‘Aadhar
envision ‘Sahkar Se Samriddhi’ scheme, strengthening the Enabled Payment System’ (AePS) has been reduced by
cooperation movement in the country, deepening its reach to linking it to the number of transactions.
the grassroots and to enhance the performance, productivity 9. Non-scheduled UCBs, StCBs and DCCBs notified as Member
and profitability of cooperative societies. Lending Institutions (MLIs) in CGTMSE Scheme to increase
share of cooperatives in lending.
Initiatives taken by Ministry of Cooperation
C. Relief to Cooperative Societies in Income Tax Act
A. Making Primary Cooperatives transparent and economically
1. Surcharge reduced from 12% to 7% for cooperative societies
vibrant (14 initiatives)
1. Model By-laws for PACS making them multipurpose, having income between Rs.1 to 10 crore.
multidimensional and transparent entities. 2. MAT reduced for cooperatives from 18.5% to 15%.
2. Strengthening of PACS through Computerization. 3. A clarification has been issued to remove difficulties in cash
3. New Multipurpose PACS/ Dairy/ Fishery Cooperatives in transactions by cooperatives under section 269ST of IT Act.
uncovered Panchayats 4. A flat lower income tax rate of 15% will be charged,
4. World’s largest Decentralized Grain Storage Plan in compared with current rate of upto 30% plus surcharge, for
Cooperative Sector to ensure food security new cooperatives commencing manufacturing activities till
5. PACS as Common Service Centre (CSCs) for better access to March 31, 2024.
e-services. 5. Limit increased from Rs.20,000 to Rs.2 lakh per member for
6. Formation of new Farmer Producer Organization (FPOs) by deposits and loans in cash by PACS and PCARDBs.
PACS. 6. Increase in cash withdrawal limit for cooperatives from Rs.1
7. PACS given priority for Retail/ diesel outlets. crore to Rs.3 crore per annum without being subjected to
8. PACS eligible for LPG Distributorship for diversifying its TDS.
activities. D. Revival from Income Tax to Sugar Cooperative Mills
9. PACS as Jan Aushadhi Kendra for improving access to generic 1. Relief from Income Tax to Sugar Cooperative Mills
medicines at rural level. 2. Resolution of decades old pending issues related to Income
10. PACS as Pradhan Mantri Kisan Samriddhi Kendras (PMKSK) Tax of Sugar Cooperative Mills.
for fertilizer distribution.
3. 10,000 crore loan scheme launched by NCDC for
11. Convergence of PM-KUSUM at PACS level for energy security
strengthening of Sugar Cooperative Mills.
12. PACS to carry out O&M of rural piped water supply schemes
4. Preference to Cooperative Sugar Mills in purchase of
(PWS.
ethanol.
13. Micro ATMs to Bank Mitra Cooperative Societies for
providing doorsteps financial services. E. Three new Multi-State Societies at the National Level
14. Rupay Kisan Credit Card to Members of Milk Cooperatives. 1. New National Multi-State Cooperative Seed Society for
Certified Seeds.
B. Strengthening the Urban and Rural Cooperative Banks
2. New National Multi-State Cooperative Organic Society for
1. UCBs have now been allowed to open new branches to
organic farming.
expand their business.
3. New National Multi-State Cooperative Export Society for
2. UCBs have now been allowed to offer doorstep services to
promoting exports.
their customers by RBI.
3. Cooperative Banks have been allowed to make one-time F. Capacity Building in Cooperatives
settlement of outstanding loans. 1. Establishment of World’s Largest Cooperative University.
4. Time limit increased to achieve Priority Sector Lending (PSL) 2. New Scheme of Cooperative Education and Training.
targets given to UCBs. 3. Promotion of training and awareness through National
5. A Nodal Officer designated in RBI for regular interactions Council for Cooperative Training (NCCT).
with UCBs.
6. Individual Housing loan limit more than doubled by RBI for G. Use of Information Technology for ‘Ease of Doing Business’
Rural and Cooperative Banks. 1. Computerization to strengthen the Central Registrar’s
7. Rural Cooperative Banks will be able to lend to commercial Office.
estate/ residential housing sector, thereby diversifying their 2. Scheme for Computerization of office of RCSs in States and
business. Union Territories.

H. Other Initiatives development of software. A total of 60,685 PACS have been
1. New National Cooperation Database for authentic and sanctioned for computerization in 28 States/ UTs.
updated data repository. 2. Central Sector Integrated Scheme on Agricultural
2. Formulation of New National Cooperative Policy. Cooperation: 341.67 crore was released in the financial year
3. Multi-State Cooperative Societies (Amendment) Bill, 2022. 2021-22 and Rs.376.93 crore was released in the financial
4. Inclusion of Cooperatives as ‘buyers’ on GeM portal. year 2022-23 under the CSISAC Scheme.
5. Expansion of National Cooperative Development
Corporation to increase its range and depth.
6. Computerization of Agriculture and Rural Development
Banks.
7. Refund of Investors of Sahara Group of Scieties.
Details of Funds released during the last two years in various

schemes/projects
1. Computerization of PACS Project: The Govt. of India has
approved the project on 29th June, 2022 for computerization
of 63,000 functional PACS with a total financial outlay of
Rs.2,516 crore. Under the project 439.67 crore has been
released to States/UTs for hardware procurement,
digitization and establishment of support system. Further,
Rs.100 crore has been released to NABARD for the

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Current Affairs | April 2023

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NSAP – Indira Gandhi National Disability Pension Scheme

Introduction extra financial support is specifically directed towards individuals

Government Funding Key takeaways for competitive examinations

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Pradhan Mantri Kisan Samman Nidhi: Benefits & Registration

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21% unorganised workers exit PM pension scheme

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Govt doubles income slab for EWS under PMAY

Future Opportunities for PMAY-U Applicants:

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Intro Silent Features of SAMARTH Scheme:

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India is considering expanding its solar STAR-C initiative operated Joint-Effort:

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Objective: How to register under the Scheme?

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Why PM DevINE scheme in news?

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Commissioning of Polarimetric Doppler Weather Radars

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 The ACROSS scheme will lead to significant improvements in

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Details of Funds released during the last two years in various

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