The List of Schemes Launched by Hon’ble
PM Government of India, Shri Narendra Modi Part :--1
Dear Friends,
Dear Friends,
Government exams are increasingly raising the level of General
Awareness questions. The General Awareness GA sections of Government exams frequently
ask questions based on ongoing important schemes in India and Government
policies. Here’s an article to help you remember major Government schemes
& Government Policies for UPSC, SSC CGL, SSC CHSL, SSC MTS, SBI PO, SBI
Clerk, RBI Grade B, RBI Assistant and all IBPS exams.
The General Awareness GA section of Bank and SSC exams can be a
life saver for you because GK & Current Affairs are fact based and don’t
require you to be calculative or fluent in English. All you need to score in
General Awareness GAGS section of any exam is to stay updated about recent happenings.Especially those related to trending Government policies for SSC and
Bank exams.
Pradhan
Mantri Jan Dhan Yojana (PMJDY)
Launched: 28 August 2014
Main
Goal: - Financial inclusion and
access to financial services for all households of the country. Under this
scheme, any individual above the age of 10 years and does not have any bank
account can open a bank account without depositing any money.
The scheme was to ensure the access to financial services
such as banking / savings & deposit Accounts, credit, debit cards, insurance,
remittance and pension in affordable manner.
This scheme was
mostly targeted to the people belonging to the Below Poverty Line but is
beneficial to everyone who does not have
a bank account. This scheme has seen a
great success, about 21 Crore accounts have been opened in just about one and
half year under the scheme.
Out of the total 128.7 million in rural area and 8.13
Crore accounts have been opened in urban areas.
Pradhan
Mantri Sukanya Samriddhi Yojana (PMSSY)
Launched: 22 January 2015
Main
Goal: - To Secure the future of girl child
This Scheme is an ambitious small deposit savings scheme for
a girl child.
Under this government scheme, a saving account can be opened in the name of
girl child and deposits can be made for 14 years. After the girl reaches to 18
year of age, she can withdraw 50% of the amount for higher study purposes or
marriage.
After the girl completes age of 21 years, the maturity
amount can be withdrawn including the interest at rates decided by Government
every year. The investments and returns are exempt from income tax section 80C of Indian
income tax act.
The maximum investment for scheme is of Rs. 150000 per year can be made
while minimum deposit is Rs. 1000/- per year. In case of more than one girl
child, parents can open another account on the different name but only for two girl child. Only exception is that the parents have twins as and another girl
child.
Pradhan
Mantri(PM) MUDRA Yojana (PMMY)
Launched: 8 April 2015
Main
Goal: - To provide Financial support for growth
of micro enterprises sector.
Pradhan Mantri PMMUDRA Yojana or scheme (Micro Units Development and Refinance
Agency) scheme was launched with the purpose to provide funds to the non-corporate
small business sectors.
PMMY is open and is available from all private and government Bank branches
across the country.
The small businesses/startups/entrepreneurs can avail loans
from Rs. 50000 to 1000000 to start/grow their business under the three categories, Shishu,
Kishore and Tarun categories of the scheme. As per the official
website of PMMY, 27344053 numbers of loans have been sanctioned under this scheme
till 26 February 2016. The amount sanctioned has reached more than Rs. 1 Lakh
Crore.
Pradhan
Mantri (PM) Jeevan Jyoti Bima Yojana (PMJJBY)
Launched: 9 May 2015
Main
Goal: - To Provide life insurance
covers to all Indian citizens.
Pradhan Mantri Jeevan Jyoti Bima Yojana is a government
backed life insurance yojana in India aimed at increasing the penetration of
life insurance cover in India. This yojana is open and available to all Indian
citizens between the age of 18 to 50 years.
Under this scheme, the customer can get a life
insurance cover of Rs. 200000 with an annual premium of just Rs. 330 excluding
service tax. All the citizens of India between 18-50 years of age with a saving
bank account are eligible to avail the scheme.
Atal
Pension Yojana (APY)
Launched: 9 May 2015
Main
Goal: - To Increase the number of
people covered under any kind of pension scheme.
Atal Pension Yojana plan is one of the three Jan Suraksha schemes launched by PM
Narendra Modi. Atal Pension Yojana is aimed at increasing the number of pension
scheme beneficiaries across the country. The scheme is especially targeted to
the private unorganized sector employees and is open to all Indian citizens between the
age of 18 to 40 years.
Under this scheme, the beneficiary customers have to make contribution
for at least for 20 years before he/she can get pension after attaining age of 60
years. The scheme provides a monthly total pension of Rs 1000 to Rs. 5000 based on the contribution plan amount.
Pradhan
Mantri Suraksha Bima Yojana (PMSBY)
Launched: 9 May 2015
Main
Goal: - To Provide accidental
insurance cover to all the Indian citizens
This scheme is also a government backed accident insurance
scheme in India aimed at increasing the penetration of accidental insurance
cover in India. The scheme is open and available to all Indian citizens between
age of 18 to 70 years.
Under the Yojana, the policy holder can get a life insurance
cover of Rs. 20000 with an annual premium of just Rs. 12 excluding service
tax. All the citizens of India between 18-70 years of age with a saving bank
account are eligible to avail the scheme
Pradhan
Mantri Awas Yojana (PMAY)
Launched: 25 June 2015
Main
Goal: - To Achieve housing for
all by the year 2022, 2 crore homes in Urban and 3 Crore homes in Rural areas.
PMAY is an ambitious scheme of Narendra Modi Government.
Under the Pradhan Mantri Awas Yojana, the government aims to provide about 5
Crore affordable houses to the people belonging to EWS(economically
weaker sections) and LIG(Lower Income Groups)
categories by the year 2022. There is a target of building 2 crore houses in
urban area and 3 crore in rural areas across the country.
Under this scheme, the government will provide financial
assistance to the poor home buyers, interest subsidy on home loan and direct
subsidy on homes bought under the scheme.
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