Government Schemes: Check the Benefits of Govt Schemes

Government Schemes: The government of India releases various government schemes to facilitate the proper functioning of the country. Some government schemes focus on specific categories of individuals like urban, rural, poor, farmers, industrialists, etc. These government schemes are designed by elected representatives of the people of the nation and think tanks of the country. The welfare, growth, and development of the country and its citizens is the ulterior motive behind the schemes.

In this article, we would like to throw some light on the important government schemes released in recent times. Candidates preparing for the competitive examinations must thoroughly study the details related to the mentioned government schemes. It is an important topic for the candidates aspiring to clear competitive examinations like UPSC, RRB, SSC, banking, etc.

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Government Schemes: How it is made?

The think tank behind the development of an idea for the government scheme is Niti aayog. It was previously named as the planning commission. The prime minister is the chairperson of the committee. The present chief executive officer of the planning commission is Mr. Amitabh Kant. The cabinet ministers also play an integral part in the decision-making process.

The government schemes can be broadly divided into the state and union government schemes. This classification is based upon whose jurisdiction is granted over the scheme or who released it. It is designed after speculating many factors like the needs, desires of the public of the area, the available budget, etc.

List of Government Schemes

Given below is a list of the latest important government schemes unveiled by the government in the leadership of current Prime Minister Mr. Narendra Modi. 

Jan Dhan Yojana	Atmanirbhar Bharat Abhiyan
Pradhan Mantri Kisan Maan Dhan Yojana	PM-KISAN
PMGKY	Skill India Mission
Make in India	Swachh Bharat Mission
PM Mudra Yojna	HRIDAY Scheme
Sansad Adarsh Gram Yojana	Sukanya Samriddhi Scheme
Pradhan Mantri Shram Yogi Maan-Dhan	Atal Pension Yojana
Ujala Yojna	Prime Minister Jeevan Jyoti Bima Yojana
AMRUT Plan	Pradhan Mantri Suraksha Bima Yojana
Setu Bhartam Yojana	Digital India Mission
Start-up India	Gold Monetization Scheme
National Mission for Clean Ganga (NMCG)	Prime Minister Ujjwala Plan
Atal Bhujal Yojana (ABY)	UDAY
Ayushman Bharat	UMANG
PRASAD Scheme	SAGY
Shramev Jayate Yojana	Smart Cities Mission
Prime Minister’s Citizen Assistance and Relief in Emergency Situation (PM CARES)	Aarogya Setu

Peculiar details of Government schemes

In this section, we will discuss all the latest government schemes along with the launch date and authoritative body. 

• Government Schemes – Jan Dhan Yojana

It is abbreviated as PMJDY. This government scheme was announced by prime minister Narendra Modi on 15^th August 2014. It is a program launched for the financial inclusion of the citizens of the country. It aims to expand affordable access to financial services such as bank accounts, remittances, credit, insurance, and pensions. The department of financial services under the Ministry of Finance is the body responsible for this scheme. On an inaugural day, a total of 15 million bank accounts were opened in Indian banks. 

• Government Schemes – Atmanirbhar Bharat Abhiyan

After the prevalence of the covid-19 pandemic across the globe the government of India started emphasizing the need of being self-reliant or Atma nirbhar. The Prime minister formulated a policy to work in this direction. The main motive is to make India a global economy with efficiency and a competitive spirit. To support local artisans and value goods manufactured by our own people. It was announced on the 12th of May 2020. It is a type of economic development project. This government scheme is under the 22nd Ministry of the Republic of India or the 2nd Modi Ministry.

• Government Schemes – Pradhan Mantri Kisan Maan Dhan Yojana

Pradhan Mantri Kisan Maandhan Yojana is a government scheme meant for old age protection and social security of Small and Marginal Farmers (SMF). All Small and Marginal Farmers having cultivable land holding up to 2 hectares falling in the age group of 18 to 40 years, whose names appear in the land records of States/UTs as of 01.08.2019 are eligible to get benefit under the Scheme.

Under this scheme, the farmers would receive a minimum assured pension of Rs 3000/- per month after attaining the age of 60 years and if the farmer dies, the spouse of the farmer shall be entitled to receive 50% of the pension as a family pension. Family pension is applicable only to spouses.

• On the maturity of the scheme, an individual will be entitled to obtain a monthly pension of Rs. 3000/-. The pension amount helps pension holders to aid their financial requirements.
• The applicants between the age group of 18 to 40 years will have to make monthly contributions ranging between Rs 55 to Rs 200 per month till they attain the age of 60.
• Once the applicant attains the age of 60, he/ she can claim the pension amount. Every month a fixed pension amount gets deposited in the pension account of the respective individual.

• Government Schemes – PM-KISAN

PM Kisan is a Central Sector Scheme with 100% funding from the Government of India. It has become operational from 1.12.2018. Under the scheme, income support of 6,000/- per year in three equal installments will be provided to small and marginal farmer families having combined landholding/ownership of up to 2 hectares. State Government and UT administration will identify the farmer families which are eligible for support as per scheme guidelines. The fund will be directly transferred to the bank accounts of the beneficiaries. The first installment for the period 1.12.2018 to 31.03.2019 is to be provided in the financial year itself. 

• Government Schemes – PMGKY

The full form of PMGKY is Pradhan Mantri Garib Kalyan Yojana. It was launched by the Government of India and came into effect in 2016. It allows individuals to deposit money that has not been taxed. Under the scheme, 50% of the untaxed amount must be paid. Union Finance Minister Nirmala Sitharaman announced a package of Rs.1.70 lakh crore under the scheme shortly after the announcement of the national lockdown. As part of the package, the government announced medical insurance coverage of Rs.50 lakh per person to around 20 lakh, COVID-19 warriors. The benefits of the package were divided into two parts i.e. Food security and Direct Benefit Transfer (DBT) 

Government Schemes – Skill India Mission

This mission was launched by Hon’ble Prime Minister Shri Narendra Modi on 15th July 2015. It aims to train over 40 crore people in India in different skills by 2022. The mission aims at vocational training and certification of Indian youth for a better livelihood and respect in society. There are different programs under the skill India mission including NSDC, Pradhan Mantri Kaushal Vikas Yojana, Pradhan Mantri Kaushal Kendra, technical intern training program, apprenticeship training, etc.

Government Schemes – Make in India

The Make in India initiative was launched by the Prime Minister in September 2014 as part of a wider set of nation-building initiatives. Devised to transform India into a global design and manufacturing hub, Make in India was a timely response to a critical situation. By 2013, the much-hyped emerging markets bubble had burst, and India’s growth rate had fallen to its lowest level in a decade. The promise of the BRICS nations (Brazil, Russia, India, China, and South Africa) had faded, and India was tagged as one of the so-called ‘Fragile Five’. Global investors debated whether the world’s largest democracy was a risk or an opportunity. India’s 1.2 billion citizens questioned whether India was too big to succeed or too big to fail. India was on the brink of severe economic failure, desperately in need of a big push.

Government Schemes – Swachh Bharat Mission

Prime Minister Shri Narendra Modi Launched the ambitious ‘Swachh Bharat Abhiyan’ (Clean India Mission) on 2nd October 2014. The ‘Abhiyan’ was launched on the occasion of Mahatma Gandhi’s 145th birth anniversary. Under the mission, all villages, Gram Panchayats, Districts, States and Union Territories in India declared themselves “open-defecation free” (ODF) by 2nd October 2019 by constructing over 100 million toilets in rural India. To ensure that the open defecation free behaviors are sustained, no one is left behind, and that solid and liquid waste management facilities are accessible, the Mission is moving towards the next Phase II of SBMG i.e ODF-Plus. ODF Plus activities under Phase II of Swachh Bharat Mission (Grameen) will reinforce ODF behaviors and focus on providing interventions for the safe management of solid and liquid waste in villages.

Government Schemes – PM Mudra Yojana

Pradhan Mantri MUDRA Yojana (PMMY) is a scheme launched by the Hon’ble Prime Minister on April 8, 2015, for providing loans up to 10 lakh to the non-corporate, non-farm small/micro-enterprises. These loans are classified as MUDRA loans under PMMY. These loans are given by Commercial Banks, RRBs, Small Finance Banks, MFIs, and NBFCs. The borrower can approach any of the lending institutions mentioned above or can apply online through this portal. Under the aegis of PMMY, MUDRA has created three products namely ‘Shishu’, ‘Kishore’ and ‘Tarun’ to signify the stage of growth/development and funding needs of the beneficiary micro unit/entrepreneur and also provide a reference point for the next phase of graduation/growth.

Government Schemes – HRIDAY Scheme

The full form of the government scheme is National Heritage City Development and Augmentation Yojana. It was launched on 21st January 2015 with the aim of bringing together urban planning, economic growth, and heritage conservation in an inclusive manner & with the objective of preserving the heritage character of the City. Under the Scheme, twelve cities namely Ajmer, Amritsar, Amaravati, Badami, Dwarka, Gaya, Kanchipuram, Mathura, Puri, Varanasi Velankanni, Warangal have been identified for development. The mission period of the scheme ended on 31st March 2019. The Scheme has supported the development of core heritage linked civic infrastructure projects which includes the revitalization of urban infrastructure for areas around heritage, religious, cultural, and tourism assets of the cities. These initiatives include the development of water supply, sanitation, drainage, waste management, approach roads, footpaths, street lights, tourist conveniences, electricity wiring, landscaping, and such citizen services.

Government Schemes – Sansad Adarsh Gram Yojana

This scheme was launched for the development of model villages. Under the Yojana, Members of Parliament (MPs) will be responsible for developing the socio-economic and physical infrastructure of three villages each by 2019, and a total of eight villages each by 2024. The first Adarsh Gram must be developed by 2016, and two more by 2019. This implies that a total of 6,433 Adarsh Grams, of the 2,65,000 gram panchayats, will be created by 2024.

Government Schemes – Sukanya Samriddhi Scheme

It is a small deposit saving scheme for the girl child launched under the ‘Beti Bachao Beti Padhao’ campaign. The current rate of this scheme is 8.1%. This type of account can be opened any time after the birth of a girl till she turns 10. A minimum deposit of Rs 250 and a maximum of Rs 1.5 lakh is necessary for this scheme. 

Government Schemes – Atal Pension Yojana

The government renamed the Swavalamban Yojana as the Atal pension yojana. The Atal pension yojana is a government-backed pension scheme in India targeting the unorganized sector. The former finance minister Arun Jaitley announced the scheme in 2015. Prime Minister Narendra Modi launched the government scheme on the 9th of May in Kolkata, West Bengal.

Government Schemes – AMRUT Plan

The full form of this government scheme is Atal Mission for Rejuvenation and Urban Transformation. Prime Minister Narendra Modi launched the scheme in June 2015. The focus of this scheme is to establish the infrastructure that could ensure adequate robust sewage networks and water supply for urban transformation by implementing urban revival projects

Government Schemes – Ayushman Bharat

Pradhan Mantri Jan Arogya Yojana is another name for Ayushman Bharat. The aim of this government scheme is to help economically vulnerable citizens who are in need of healthcare facilities. This is a National Health Protection Scheme which plans to make secondary and tertiary healthcare completely cashless. The beneficiaries get an e-card to avail of services at an impaneled hospital, public or private, anywhere in the country.  The coverage includes 3 days of pre-hospitalization and 15 days of post-hospitalization expenses. Every family gets Rs. 5 lakh insurance per year.

Government Schemes – Aarogya Setu

After the outburst of the covid-19 pandemic, the government of India released an aarogya setu application. The app uses contact tracing to record details of all the people we come in contact with during the daily activities. 

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