Government Schemes (Yojana) in India Part:-17
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The List of Schemes Launched by Hon’ble PM Government of India, Shri Narendra Modi Part :--17
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Government
exams are increasingly raising the level of General Awareness
questions. The General Awareness 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 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 section of any exam is to stay updated about recent
happenings.Especially those related to trending Government policies for
SSC and Bank exams.
The List of Schemes Launched by Hon’ble PM Government of India, Shri Narendra Modi Part :--17
Kalinga Shiksha Sathi Yojana
INTRODUCTION
The
Government of Odisha have launched a new scheme named Kalinga Siksha Sathi
Yojana (KSSY) on 27th June 2016 for the aspiring students, who are willing to
proceed with further high studies. This scheme was launched by Odisha CM Mr.
Naveen Patnaik. He has announced this new education loan scheme for the
students at only 1% interest. This scheme is a very innovative scheme for the
ambitious students of Odisha.
OBJECTIVES
Odisha
Government have been pleased to further reduce the financial stress of the
parents facing hardship in paying high rate of interest by providing financial
assistance in form of interest subvention against education loan availed by
students from scheduled bank under this new scheme “Kalinga Siksha Sathi
Yojana” to attain their educational goal, meet their professional objectives
and succeed in future in their life.
ELIGIBILITY CRITERIA
·
Must be a resident of Odisha.
·
Family income must be below 4.5lakh
per annum.
·
A student only will be eligible for
this scheme if he/she deposits parallel to the bank according to the rules of
the bank.
·
There is no minimum loan amount
mentioned in this scheme.
·
Security deposit as per bank
rules.Students will have to repay the educational loan amount after 4-5 years
moratorium period. The time will be calculated from the date of the education
loan sanctioned.
·
Maximum 10lakh educational loan
availed.
·
Bankers to decide to whom loan would
be provided.
·
He/She Should not have availed
similar benefit from any other Government or Institution for the same purpose.
KEY FEATURES
·
The scheme is an educational loan
for the poor and ambitious students who want pursue higher education.
·
Under this educational loan scheme,
the interest rate will be 1% which is the lowest interest rate on any education
loan till date.
·
The loan facility will be given to
the students on the basis of their merit and the total annual income of their
family.
·
The Odisha government is allotted
the budget for this scheme is nearly 500 crore from its own resources.
·
The main intention of this scheme is
to release the financial burden from the shoulders of the parents of the
aspiring students.
EDUCATION LOAN DETAILS
·
This scheme can be called a
conventional educational loan for the poor and ambitious students who are
unable to pursue higher education due to financial inability.
·
Maximum Loan: 10lakh
·
Minimum Loan: There is no minimum
loan amount mentioned in the scheme.
·
Time Period: 4-5 years from the date
of the education loan sanctioned.
·
Interest Rate: Very low-interest
rate 1%.
DOCUMENTS REQUIRED
·
Age Proof of the students (Birth
Certificate/ Class X Admit Card)
·
Copy of Mark sheets
·
Income Certificate of the family.
·
Id Proof (Voter Card/ Pan Card/ Aadhaar
Card/ Driving License etc.)
·
Bank account statement (for Business
holders)
·
Security Documents.
LIST of COURSES under KSSY
·
Engineering (Electrical/ Civil /Mechanical
/Computer/Electronics/IT)
·
Medical (MBBS/MD)
·
Management (BBA/MBA)
·
Law (LLB/LLM)
·
Vocational Training or Courses
OVERALL INFORMATION
|
|
|||
Name of the scheme
|
Kalinga Siksha Sathi Yojana
|
|||
Launched by
|
Chief Minister of Odisha Mr Naveen Patnaik
|
|||
Launched on
|
27th June 2016
|
|||
Eligibility
|
Poor and Ambitious students
|
|||
Family annual income limit
|
Rs. 4.5lakh per annum
|
|||
Education Loan amount
|
10lakh
|
|||
Interest Rate
|
1%
|
|||
|
|
|||
|
|
|||
The budget of the scheme
|
Rs. 500 crore
|
Digi Dhan
Vyapar Yojana: Key Points To Know
Digi Dhan Vyapar Yojana
Launched on 15 December 2016
Launched by PM Narendra Modi
Proposed
by NITI Ayog headed by Arvind Panagariya
What is NITI Ayog?
·
NITI Ayog stands for the “National
Institution for Transforming India”. It was founded by Narendra Modi on 1
January 2015. NITI Ayog replaced the Planning Commission.
·
Planning Commission was an
institution which helped to formulate the India’s Five Year Plans, but it was
dissolved by our Prime Minister Shri Narendra Modi in 2015.
·
Digi Dhan Vyapar Yojana was launched
with the objectives to make India Cashless and Digital as well.
Need Of Digi Dhan Vyapar Yojana
·
Belongs to merchants
·
To increase transparency in the
business transactions
·
To eradicate corruption
·
To remove the influence of cash on
economic and political system
·
To convince merchants to shift to
digital transactions
·
To promote the use of UPI, USSD, Ru
Pay cards and Aadhar Enabled Payment System (AEPS)
Rewards Under this Scheme
·
Prizes for Merchants for all digital
transactions conducted at Merchant establishments
·
Weekly prizes worth Rs. 50,000, Rs
5,000 and Rs. 2,500
·
Mega Draw on 14th of April –
Ambedkar Jayanti
·
3 Mega Prizes for consumers
Rs. 1 crore
Rs. 50 lakh,
Rs. 25 lakh
·
for digital transactions between 8th
November 2016 to 13th April 2017 to be announced on 14th April 2017
·
3 Mega Prizes for merchants
Rs 50 lakhs,
Rs. 25 lakh,
Rs. 12 lakh
·
for digital transactions between 8th
November 2016 to 13th April 2017 to be annonced on 14th April 2017
Selection Criteria
·
Incentives shall be restricted to
transactions within the range of Rs 50 and Rs 3000 (common people)
·
All transactions between consumers
and merchants; consumers and government agencies will be considered for the
incentive scheme
·
AEPS transactions will be considered
for the incentive scheme
·
The winners will be selected through
a random draw of the eligible Transaction IDs
Conclusion
·
The main objective of this Digi Dhan
Vyapar Yojana is to increase the “Cashless Transactions” and to make our
country Digital. These efforts of the government will take India to the
paramount of development.
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