GOVT SCHEMES Sovereign Gold Instead of buying gold in physical form

Bond investors can park their money in bonds

which are backed by gold. issued by RBI on
Insurance schemes
behalf of the Govt.The bond would be
Features Pradhan Pradhan AABY aam aadmi
restricted for sale to resident Indian entities.
Mantri Mantri Jeevan bima yojana- head
Suraksha Jyoti Bima of the family (BPL)
Bima Yojana Yojana or marginally
(PMSBY) (PMJJBY) above the poverty
line + scholarship
Finance, Insurance and Social Welfare Related
Credit Risk This Fund has been created to guarantee the
Eligibility 18-70 years 18-50 years 18 -59 years Guarantee Fund lending agencies for loans to new EWS/LIG
(CRGF) borrowers in urban areas seeking individual
housing loans not exceeding a sum of Rs. 8
Premium Rs 12 per Rs. 330 per The premium of
lakh
annum annum Rs.200/- per person
Rajiv Rinn Yojana Central Sector Scheme applicable in all the
per annum is shared
(RRY) urban areas of the Country and provides for
equally by the
interest subsidy of 5% (500 basis points) on
Central Govt and the
State Government loans granted to Economically Weaker
Sections and Low Income Groups to construct
their houses or extend the existing ones.
Cover At the age of At the age of
stops at 70 years 55 years
age
(Natural Nil Rs 2 lakhs Rs. 30000/-
Death)
(Accident Rs 2 lakhs Rs 2 lakhs Rs. 75000
al Death)
Scheme Provisions
Bachat Lamp reduce the cost of compact fluorescent lamps
Atal Pension Yojana (APY) will replace the previous Yojna CFL
government’s Swavalamban Yojana NPS Lite, The Deen Dayal 24x7 uninterrupted power supply to all
existing subscribers of Swavalamban Scheme would be Upadhyaya homes in Rural India
automatically migrated to APY Gram Jyoti
Yojana
Details of PMJDY Digital India Aims to ensure that government services are
Programme available to citizens electronically and
th
Phase 1: Three pillars (2014 to 2015, 15 August) people get benefited from the latest ICT
Service Country will be divided into sub-service areas (SSA) developments
area Each SSA will cover 1000-1500 households Gramin Creation of scientific storage capacity for
Each household will have a banking outlet within 5 k. Bhandaran farmers for storing farm produce, processed
Yojna farm produce and agricultural inputs.
a/c Each household /one bank account. With a Rupay debit
card Schemes Provisions
Rs. 1 lakh accident cover per account. Members of Each MP has the choice to suggest to the
If good credit history for first 6 months=>Rs.5,000 Parliament Local District Collector for, works to the tune of
overdraft facility. Area Development Rs.5 Crores per annum to be taken up in
Scheme his/her constituency.
Literacy Financial literacy programmes.
MPLAD
Namami Gange to clean and protect the River Ganga
Phase 2: Next Three pillars (2015 to 2018) Programme
CGF Credit guarantee fund- to cover losses in overdrafts.
Insurance If JDY account holder is interested, he can buy micro National Pension Contribution based pension system
insurance product. Scheme (NPS)

DBT Government will also try for direct benefit transfer Rajiv Gandhi Infrastructure for rural Electrification for
(DBT) i.e. sending scheme-subsidy money directly to Grameen providing access to electricity to rural
beneficiaries’ jan-dhan accounts. Vidyutikaran Yojana households

Gold related schemes- To reduce the demand for physical

gold, GOI launched three gold schemes. Rashtriya Krishi Achieve 4% annual growth in agriculture
Gold coins 5 grams and 10 grams 20 gram bars of gold. Vikas Yojana (RKVY) through development of Agriculture and
its allied sectors during the XI Plan period

Gold The minimum deposit will be raw gold (bars,

Monetisation coins, jewellery) equivalent to 30 grams-up to
Scheme 2.50 per cent interest rate

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Schemes Provision Atal Mission for To enable better living and drive economic
Rejuvenation and growth stressing on the need for people
Urban centric urban planning and development.
Swabhiman To make banking facility available to all
citizens. Replaced by Pradhan Mantri Jan Transformation
Dhan Yojana. (AMRUT)

Swavalamban pension scheme to the workers in

unorganised sector. Contribution between
Rs. 1000 and Rs. 12000/- per annum, Antyodaya Anna Under the scheme 2 crore of the poorest
Government shall contribute Rs. 1000 per Yojna (AAY) among the BPL families covered for highly
annum. subsised food.

National Food to increase production of wheat, rice and

HRIDAY – Heritage The scheme seeks to preserve and Security Mission pulses so as to ensure food security of the
City Development rejuvenate the rich cultural heritage of (NFSM) country. through dissemination of improved
and Augmentation the country. technologies and farm management
Yojana practices.

NFSA- national food security act

1. Coverage and entitlement under Targeted
SukanyaSamridhi The scheme primarily ensures equitable Public Distribution System (TPDS) : Upto 75%
Yojana (Girl Child share to a of the rural population and 50% of the urban
Prosperity Scheme) girl child in resources and savings of a population
family in which she is generally 2. Food grains on Subsidised prices + AAY
discriminated as against a male child. antyodaya ann .
3. Maternity Benefit :

4. Nutritional Support to women and children :

Schemes Provision

Govet schemes in Social Sector

Education Related
1 Sarva Shiksha Abhiyan Fundamental right –article 21 A RTE act 2002 mandate universal & free education for children
(SSA) age 6-14. 25 percent admissions of children belonging to disadvantaged group and weaker section
in private unaided schools . Padhe Bharat Badhe Bharat’ has been planned to improve language
development.
2 Rashtriya Madhyamik RMSA aims at enhancing access to secondary education and improving its quality to ensure GER
Shiksha Abhiyan (RMSA) more than 90 per cent by 2017 and universal retention by 2020.
3 Saakshar Bharat (SB) SB/ Adult Education: The focus of SB is female literacy
4 Mid day Meal MDM hot cooked mid-day meals are provided to all children
attending elementary classes (I-VIII)

(NRLM) National rural Livelihoods Mission

aims at organizing all rural poor households in productive economic activity
especially one woman member from each household through SHGs

what is a SHG
A self-help group (SHG) is a group of of 10–20 women or men participating in a
economic productive activity.

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Loans/credits are provided to these group on easier terms under various schemes.
structure of scheme
Many Shg in a village are further organised at block level district level & son. See
image
More schemes on similar lines
National Urban Livelihood Mission (NULM )
a similar scheme as above but for urban areas

Deen Dayal Upadhyaya Grameen KoushalyaYojana

placement linked skill development scheme for rural poor youth. It is part of NRLM.

NaiManzil’ for education and skill development of drop outs

USTTADUpgrading the Skills and Training in Traditional Arts/Crafts for

Development) aims to conserve traditional arts/crafts of minorities and for building
capacity of traditional artisans and craftsmen belonging to minority communities.

MANAS upgrading entrepreneurial skills of minority youth

MGNREGA 100 day guaranteed wage employments scheme. But

Mahatma Gandhi national now Emphasis on creation of productive assets
rural employment linked to agriculture and allied activities through
guarantee act development of land, water and trees

National Social Assistance 1. Indira Gandhi National Old Age Pension Scheme (IGNOAPS);
Programme (NSAP): 2. Indira Gandhi National Widow Pension Scheme (IGNWPS);
3. indira Gandhi National Disability Pension Scheme (IGNDPS)
4. National Family Benefit Scheme (NFBS); and
5. Annapurna
Sansad Aadarsh Gram Convergence in the implementation of existing Government schemes and programmes without allocating
Yojana (SAGY): additional funds.

HEALTH related
National Health Mission universal access to equitable, affordable, and quality health care services. It subsumes the NRHM and National
(NHM Urban Health Mission (NUHM) as sub-missions
Integrated Child
Development Services early childhood (below 6 years) development. It aims to reduce
(ICDS) Scheme: the incidence of mortality,malnutrition and school dropout; to
enhance the capability of the mother to look after the health
and nutritional needs of the child

Indira Gandhi Matritva Conditional Cash Transfer scheme covered under Direct Benefit
Sahyog Yojana (IGMSY) Transfer (DBT) programme for pregnant and lactating women
aged 19 years and above for first two live births

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Swachh Bharat Mission aims at attaining an Open Defecation Free India by 2nd October, 2019, by providing access to toilet facilities to
(Gramin) all rural households and initiating Solid and Liquid Waste Management activities in all Gram Panchayats to
promote cleanliness

Women and girls related

Rajiv Gandhi Scheme for aims at all-round development of adolescent girls of 11-18 years
empowerment of (with a focus on all out-of-school AGs). The scheme has two
adolescent girls – SABLA major components Nutrition- improving the health and nutrition
status
Non Nutrition Component – other developmental needs.

Beti Bachao Beti Padhao launched at Panipat, Haryana for promoting survival, protection and education of girl child. It aims to
(BBBP) Programm address the issue of declining Child Sex Ratio (CSR) through a mass campaign targeted at changing social
mind set and creating awareness about the criticality of the issue
Nai Roshni To create leadership development training programme in women . Involvement in decision making
process, Health & Hygiene, Sanitation, Violence against women and their rights, Banking Systems, etc., to
generate awareness and develop confidence among women

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Housing & infra related
Indira Awaas Yojana Aims at building houses for weaker & poor sections in rural areas
(IAY)

Rajiv Awas Yojana (RAY) housing in urban areas for poor sections. projects for slum
development / relocation for the slums .
Pradhan Mantri Gram fully funded centrally sponsored scheme with the objective of
Sadak Yojana (PMGSY providing all-weather road connectivity and also permits up
gradation of existing rural roads

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