As now a days govt announces so many schemes for the welfare of common

people but as rural people are not so educated so they are not aware of these
schemes. So the organistaion I m going to start will act like a middle man
between banks and commom people .
It will promote the schemes of goverment so they everyone could take benefits
from them

NAME OF THE ORGANISATION

LE DHANADHAN
LE means fast services
DHANADHAN means money provider

Target people
Basically organization will be launched in Punjab
Rural areas of Punjab will be focused includes
1) unorganized sector workers
a)vegetable vendors
b)housekeppers
2)Service man
3)Primary sector enterpenours

Schemes promoted to be in organization

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

It is one of the several ambitious social security programmes initiated by

Narendra Modi. It is basically a term life insurance policy that can be renewed
either on a yearly basis or for a longer period of time. It will provide life
insurance coverage on the death of the policyholder.
Eligibility
The Pradhan Mantri Jeevan Jyoti Bima Yojana will be made available to anyone
between the age group of 18 to 50 years. The concerned person should also
have a bank account. People, who avail this policy before they are 50 years old,
will be allowed to enjoy the risk of life cover till the age of 55 years. However,
they will need to pay the premium on a consistent basis in order to be provided
that benefit.

What is the Premium?

The policyholders will need to pay INR 330 per year. The amount will be deducted each
year from their bank account in a single installment. This will be done by the bank from
where the policy is being opened. Out of the yearly premium of INR 330, INR 289
will go to the insurer and INR 30 will be reimbursed for the expenses incurred by the
BCs, corporate or micro agents. The bank will get INR 11 as compensation for
administrative costs incurred by them.

How can One Enroll?

The plan is being launched initially from 1 June 2015 till 31 May 2016. The
subscribers will need to enroll as well as provide the option for auto debiting
their premium on or before 31 May 2015. This date will be extended to 31
August 2015. If someone wishes to enroll after this date they will need to submit
a self certificate, where they state that they are in good health and will also pay
the entire annual premium. In case someone wants to continue beyond the first
year then they will have to agree to auto debiting by 31 May that year. For
anyone who renews the policy after this, he or she will need to furnish a self
certificate of good health as well as the entire yearly premium. In case someone
did not join in the first year, he or she can provide a good health self certificate
and the entire yearly premium. The procedure is the same for people who had
joined the policy once and then left it, only to come back later and rejoin the
same.

When will the Policy be terminated?

The policy will come to an end once the holder reaches the age of 55 years.
However, for this to be effective the policyholder will need to keep renewing the
policy till that time. If the account holder has to close his or her account in the
bank, where the policy is being maintained, because of paucity of sufficient funds
to even maintain the minimum balance needed to ensure the policy is active,
then the insurance policy will be closed as well. If the concerned person has

taken more than one such account and the insurer gets the money in an
unintended manner, then the said premium will be forfeited.

Atal Pension Yojana

As our young population ages, it is also going to be pension-less. Encouraged by
the success of the Pradhan Mantri Jan Dhan Yojana, I propose to work towards
creating a universal social security system for all Indians that will ensure that no
Indian citizen will have to worry about illness, accidents or penury in old age,
said Finance Minister Jaitley in his February 2015 Budget speech. In keeping with
this ideal, a National Pension Scheme, the Atal Pension Yojana will be effective
from 1 June 2015. The scheme intends to bring pension benefits to allow people
of the unorganised sector to enjoy social security with minimum contribution per
month.
People who work in the private sector or employed in occupations that do not
give them the benefit of pension can apply for the scheme. They can opt for a
fixed pension of INR 1,000 or 2,000 or 3,000 or 4,000 or 5,000 on attaining the
age of 60. The amount of contribution and the individuals age will determine the
pension. Upon the contributors death, the spouse of the contributor can claim
the pension and after the spouses death the nominee will be returned the corpus
accrued.
The amount collected under the scheme is to be managed by Pension Funds as
per the investment pattern specified by the Government. Individual applicants
will have no choice of pension funds or investment allocation.

Benefits of Atal Pension Yojana

The Atal Pension Scheme will bring security to ageing Indians while at the same
time promote a culture of savings and investment among the lower and lower
middle class sections of society. One of the greatest benefits of the scheme may
be enjoyed by the poorer sections of society. The government of India has
decided to contribute 50 percent of the users contribution or INR 1,000 a year
(whichever is lower) for a period of five years. This contribution will, however, be
enjoyed only by those who are not income tax payers and those who join the
scheme before 31 December 2015.

Who is Eligible?
The Atal Pension Yojana (APY) is open to all Indians between the age of 18 and
40. This allows an individual to contribute for at least 20 years before reaping
the benefits of the scheme. Any bank account holder who is not a member of any
statutory social security scheme can avail of the scheme.
All existing members of the governments Swavalamban Yojana NPS Lite will
automatically be migrated to the Atal Pension Yojana. It will now replace the
Swavalamban scheme, which did not gain much popularity across the country.

How to Enroll?
To sign up for the Atal Pension Yojana, an account holder must fill in an
authorisation form and submit it to his/her bank. The form will require complete
details including account number, spouse and nominee details, and authorisation
for auto debit of contribution amount. Account holders signing up for the scheme
need to ensure that sufficient balance is maintained in the account every month,
failing to do so will attract a monthly fine of

INR 1 for monthly contribution up to INR 100

INR 2 for monthly contribution between INR 101 and INR 500

INR 5 for monthly contribution between INR 501 and INR 1,000

INR 10 for monthly contribution beyond INR 1,001

If no payment is made towards the scheme

for six months, the holders account will be frozen

for 12 months, the holders account will be deactivated

for 24 months, the holders account will be closed

For those who does not have a bank account: A person needs to open a
bank account first by submitting the KYC document and Aadhar card. He/she is
also required to submit the APY proposal form.

Pradhan Mantri Suraksha Bima Yojana (PMSBY) - An accidental Death and

Disability insurance scheme. So what makes this scheme stand out from
other social security schemes launched by the previous governments?
There are two aspects of PMSBY that make it different in offering and approach.
Firstly, it is the sheer size and depth of inclusion to bring and get covered the
maximum number of people under this scheme, which kind of makes it very
ambitious and challenging.
Today, if an earning member of a family becomes permanently disabled or dies
an accidental death, his or her family faces a life in penury and hardship, with no
protection or support from any institution or group. By joining the PMSBY
scheme and by paying a nominal premium of Rs. 12/- per person per year,
he or she will get an insurance cover for a sum of Rs. 2,00,000/- (two lakh) in
case of accidental death or permanent full disability or a sum of Rs.
1,00,000/- (one lakh) in case of partial but permanent disability. The scheme
will be valid for a year and it can be renewed every year.
A lot of government social security schemes have not had a very positive
response from people due to lack of financial system infrastructure at a nearby
location and moreover, the paperwork involved in opening accounts or making
claims was too much for them to handle. Even the leakages in the system
resulted in large sections remaining excluded from the benefits of these
schemes. This has now been largely addressed by the present government that

has made extensive use of technology to augment its social scheme delivery and
monitor mechanisms. All the payments will be directly credited to the
beneficiarys account with no scope for leakages.

Who is eligible to be covered under PMSBY?

Any person between the age of 18 and 70 with a savings bank account and
Aadhaar Card can join the scheme.

Will I get any tax benefits on joining the scheme?

The entire premium paid by the subscribers will be tax free under Section 80C.
Furthermore, all the proceeds received up to Rs. 1,00,000/- (one lakh) will be
tax exempt under Section 10(10D). For all the proceed amounts exceeding Rs.
1,00,000/-, a TDS at the rate of 2% of the total proceeds will apply if Form 15H
or Form 15G is not submitted to the insuring agency.

Pradhan Mantri Awas Yojana

According to current estimates, the urban population of the country, which has
already seen a sharp increase over the past decade, is set to see a phenomenal
growth in the years to come. By the year 2050, the countrys urban population is
set to reach a population of more than 814 million people. This is an increase of
about 400 million from current levels. One of the biggest challenges faced by the
country will be providing affordable housing, sanitation and development, and a
safe environment to the city dwellers. Currently, the development of a city is led
by the real estate developers who decide the areas which shall be developed.
Real estate prices have also skyrocketed over the past couple of decades leaving
the common man with only dreams of owning a house. It is to address these
issues that Prime Minister Narendra Modi launched the Housing for All by 2022
scheme, also known as the Pradhan Mantri Awas Yojana (PMAY) on 25 June 2015
at a launch ceremony in Vigyan Bhawan, New Delhi. Two other schemes were
also launched as complementary to the affordable housing scheme, a scheme for
development of Smart Cities across the country and the Atal Mission for
Rejuvenation and Urban Transformation (AMRUT) that allows for urban renewal
and upgradation of infrastructure in the major urban tracts of the country.
The Prime Minister of India launched the PMAY and the two other schemes in the
presence of mayors, municipal commissioners, and state-government officials
from all parts of the country. At the launch he said, The countrys 40 per cent
population lives in cities and it is the responsibility of the government to uplift
their standards of living. We cannot leave them to their fateThe housing for all
scheme will ensure every urban poor is enabled to own a house. AMRUT will
ensure basic infrastructure and sanitation is in place in cities.

Scheme Details

According to the terms of the Pradhan Mantri Awas Yojana, the government of
India will undertake to construct about two crore houses by the year 2022. Each
house provided under the scheme will involve a central grant of about INR 1 lakh
which may go up to INR 2.3 lakhs. This will come as part of a 6.5 percent
interest rate subsidy scheme (previous schemes had an interest rate subsidy of
about 1 percent). This means that the applicants from lower income groups who
avail of the housing scheme may apply for a housing loan with interest subsidy
of 6.5 percent. The tenure or term for these housing loans may go up to 15
years and the total benefit received by such loan subsidy will add up to INR 1 to
2.3 lakh each. Currently housing loan interest rates are estimated at about 10.5
percent. The subsidy should, therefore be a major relief to applicants. The
Housing for All scheme will replace all previous government housing schemes
such as the Rajiv Awas Yojana.
According to preliminary estimates, the Housing for All by 2022 will cost the
central government about INR three lakh crore spread over the next seven
years. The operational guidelines for the schemes launched have been finalised
after a year-long round of negotiations with states and Union Territories, say
news reports.
Apart from the PMAY itself, the government has come up with a number of
incentives and subsidies for the development of housing in urban areas. One of
these is the grant of INR 1 lakh per beneficiary to state governments for the
development of housing projects in slum areas.
Affordable rental housing, an INR 6,000 crore initiative, which was initially to be
part of the Housing For All scheme was missing from the NDA government
flagship scheme. The measure, meant to combat the proliferation of slums in
urban regions may be released as a separate scheme at a later date.

Benefits to Women, SC/ST

While the Pradhan Mantri Awas Yojana is clear about its goals affordable
housing for all by 2022, it does ensure that the benefits of the scheme are
enjoyed by women, economically backward groups of Indian society and the
Scheduled Castes and Scheduled Tribes. In an unprecedented move, the
government has decided to protect the interests of neglected groups in the
country. Transgenders and widows, members of the lower income groups and
urban poor, and the Scheduled Castes and Scheduled Tribes shall be granted
preference when they try to avail the affordable housing scheme. Apart from
these groups members of society who often find themselves out of a home,
seniors and differently-abled people shall also gain preference in allotment of
houses. They shall also be able to choose a ground-floor house if need be. Apart
from this, it is also mandatory that while registering to avail the benefits of the
scheme, the beneficiaries must necessarily mention their mother or wifes name.
According to news reports, these details were revealed by a Housing and Urban
Poverty Alleviation Ministry official before the launch of the scheme. The scheme

is one-of-its-kind in India in terms of the protection and benefits that it extends

to previously neglected groups such as transgenders and widows.

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