Government Schemes
Government Schemes
Master important government schemes and initiatives for RRB exam preparation with comprehensive coverage of major programs and their key features.
Social Welfare Schemes
Pradhan Mantri Jan Dhan Yojana (PMJDY)
Overview
- Launch Date: August 28, 2014
- Objective: Financial inclusion for all households
- Target: Banking services for every citizen
- Status: World’s largest financial inclusion program
Key Features
- Zero Balance Accounts: No minimum balance requirement
- RuPay Debit Card: Free debit card with accident insurance
- Overdraft Facility: Up to ₹10,000 overdraft
- Insurance Coverage: Accidental insurance up to ₹1 lakh
- Interest Earning: Earn interest on deposits
Achievements
- Accounts Opened: 46.25 crore accounts
- Balance Deposited: ₹1.74 lakh crore
- RuPay Cards Issued: 36.14 crore cards
- Rural Coverage: 75% accounts in rural/semi-urban areas
Pradhan Mantri Ujjwala Yojana (PMUY)
Overview
- Launch Date: May 1, 2016
- Objective: Clean cooking fuel connection for women
- Target: 5 crore LPG connections for BPL families
- Current Status: Over 8 crore connections achieved
Key Features
- Free LPG Connection: Stove, regulator, cylinder free
- EMI Facility: Interest-free loan for refill costs
- Women Empowerment: Connections in women’s names
- Health Benefits: Reduces health issues from traditional fuel
Pradhan Mantri Awas Yojana (PMAY)
Urban Housing (PMAY-U)
- Launch Date: June 25, 2015
- Objective: Housing for all urban poor by 2022
- Target: 2 crore houses
- Interest Subsidy: Up to 6.5% on home loans
Rural Housing (PMAY-G)
- Launch Date: November 20, 2016
- Objective: Housing for all rural poor by 2022
- Target: 2.95 crore houses
- Assistance: ₹1.20 lakh assistance per house
Key Features
- Slum Rehabilitation: In-situ slum development
- Credit Linked Subsidy: Interest subsidy on home loans
- Affordable Housing: Partnership with private sector
- Beneficiary Led Construction: Direct benefits to beneficiaries
Healthcare Schemes
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
Overview
- Launch Date: September 23, 2018
- Objective: Health insurance for poor families
- Coverage: 10.74 crore families (50 crore beneficiaries)
- Insurance Coverage: ₹5 lakh per family per year
Key Features
- Cashless Treatment: Hospitalization without cash payment
- Secondary and Tertiary Care: Hospitalization coverage
- Pre-Existing Diseases: No exclusion
- Empaneled Hospitals: 24,000+ hospitals nationwide
- Portability: Benefits available across India
Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA)
Overview
- Launch Date: June 9, 2016
- Objective: Safe motherhood and child health
- Target: Pregnant women in all districts
- Frequency: 9th of every month as fixed day
Key Features
- Free Health Check-ups: Comprehensive antenatal care
- Quality Healthcare: High-quality prenatal check-ups
- Identification of Complications: Early detection of risks
- Specialized Care: Referral for high-risk pregnancies
Education Schemes
Beti Bachao Beti Padhao (BBBP)
Overview
- Launch Date: January 22, 2015
- Objective: Save girl child and promote education
- Focus: Gender discrimination, girl child education
- Implementation: 100 critical districts initially
Key Features
- Awareness Campaigns: Community mobilization
- Incentive Schemes: Education incentives for girls
- Monitoring System: District-wise monitoring
- **Multi-Sectoral Approach: Education, health, social welfare
Digital India Initiative
Overview
- Launch Date: July 1, 2015
- Objective: Digital empowerment of citizens
- Vision: Transform India into digital empowered society
- Pillars: Digital infrastructure, digital literacy, digital services
Key Components
- BharatNet: Rural broadband connectivity
- Common Service Centers: Digital service delivery points
- Digital Literacy: Basic computer skills training
- E-Governance: Online government services
Agricultural Schemes
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
Overview
- Launch Date: December 1, 2018
- Objective: Income support to farmers
- Benefit: ₹6,000 per year to small farmers
- Coverage: 14 crore farmers
Key Features
- Direct Benefit Transfer: Direct bank transfers
- Installments: ₹2,000 every four months
- Small Farmers: Up to 2 hectares landholding
- Auto Enrollment: Based on land records
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Overview
- Launch Date: February 18, 2016
- Objective: Crop insurance support
- Coverage: Food crops, oilseeds, horticultural crops
- Premium Rates: 1.5% for Rabi, 2% for Kharif
Key Features
- Low Premium: Affordable insurance premiums
- Technology Use: Remote sensing, mobile technology
- Quick Claims: Fast claim settlement process
- Wide Coverage: All farmers eligible
Soil Health Card Scheme
Overview
- Launch Date: February 19, 2015
- Objective: Soil health awareness and management
- Target: 14 crore farmers
- Cycle: Every 2 years
Key Features
- Soil Testing: Free soil health testing
- Nutrient Recommendations: Crop-specific fertilizer advice
- Balance Fertilizer Use: Reduce fertilizer waste
- Yield Improvement: Better crop productivity
Employment and Skill Development
Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
Overview
- Launch Date: July 15, 2015
- Objective: Skill development for youth
- Target: 10 crore youth by 2022
- Certification: National Skill Development Corporation
Key Features
- Free Training: Free skill training programs
- Monetary Rewards: ₹8,000 per certified candidate
- Industry Partnerships: Collaboration with industries
- Recognition: Nationally recognized certification
Startup India
Overview
- Launch Date: January 16, 2016
- Objective: Promote entrepreneurship
- Target: Support startup ecosystem
- Benefits: Tax benefits, funding support
Key Features
- Tax Exemption: 3-year tax holiday
- Self-Certification: Simplified compliance
- Funding Support: ₹10,000 crore startup fund
- Patent Support: Fast-track patent examination
Infrastructure Development
Swachh Bharat Mission
Urban Component (SBM-U)
- Launch Date: October 2, 2014
- Objective: Clean urban India
- Target: Open defecation free cities
- Focus: Solid waste management, toilet construction
Rural Component (SBM-G)
- Launch Date: October 2, 2014
- Objective: Clean rural India
- Target: Open defecation free villages
- Achievement: 10 crore+ household toilets built
Key Features
- Behavior Change: Community awareness programs
- Infrastructure: Toilet construction, waste management
- Monitoring: Real-time monitoring systems
- Public Participation: Community involvement
Pradhan Mantri Gram Sadak Yojana (PMGSY)
Overview
- Launch Date: December 25, 2000
- Objective: Rural road connectivity
- Target: All-weather road connectivity
- Coverage: Rural habitations with 500+ population
Key Features
- All-Weather Roads: Year-round road connectivity
- Quality Standards: High construction standards
- Maintenance: Long-term maintenance arrangements
- Rural Development: Socio-economic development
Energy and Environment
Ujjwal Bharat Ujjwal Bhavishya (Power for All)
Overview
- Launch Date: 2016
- Objective: 24×7 power for all
- Target: Universal electricity access
- Status: 100% village electrification achieved
Key Features
- Rural Electrification: Connecting all villages
- Last Mile Connectivity: Household connections
- Solar Power: Promotion of solar energy
- Smart Grids: Modern power distribution
Namami Gange Programme
Overview
- Launch Date: July 2014
- Objective: Clean Ganga River
- Budget: ₹20,000 crore
- Timeline: 2015-2025
Key Features
- Pollution Control: Industrial and domestic pollution
- Afforestation: Riverbank plantation
- Sewage Treatment: STP construction
- Public Awareness: Community participation
Financial Inclusion
Pradhan Mantri Mudra Yojana (PMMY)
Overview
- Launch Date: April 8, 2015
- Objective: Small business financing
- Target: Non-corporate, non-farm sector
- Loan Categories: Shishu, Kishor, Tarun
Key Features
- Collateral-Free Loans: No collateral requirement
- Three Categories: Based on loan amount and business stage
- Bank Credit: Easy access to bank credit
- Entrepreneurship: Promote self-employment
Atal Pension Yojana (APY)
Overview
- Launch Date: June 1, 2015
- Objective: Universal social security
- Target: Unorganized sector workers
- Pension Amount: ₹1,000 to ₹5,000 per month
Key Features
- Guaranteed Pension: Fixed pension after age 60
- Government Contribution: 50% contribution by government
- Flexible Contributions: Based on desired pension
- Nomination Facility: Nominee facility available
Practice Questions
Question 1
What is the financial assistance provided under Pradhan Mantri Kisan Samman Nidhi scheme?
Question 2
What is the insurance coverage provided under Ayushman Bharat scheme?
Question 3
When was the Beti Bachao Beti Padhao scheme launched?
Question 4
What is the objective of Pradhan Mantri Jan Dhan Yojana?
Question 5
What is the maximum pension amount under Atal Pension Yojana?
Question 6
What is the interest rate subsidy available under Pradhan Mantri Awas Yojana?
Question 7
How much financial assistance is provided under PMAY for rural housing?
Question 8
What is the target of Pradhan Mantri Kaushal Vikas Yojana?
Question 9
What is the budget allocation for Namami Gange Programme?
Question 10
Which scheme provides free LPG connections to BPL families?
Important Facts
Scheme Launch Years
- 2014: PMJDY, SBM, PMGSY (continued)
- 2015: PMAY, PMKVY, PMFBY, Digital India, APY
- 2016: PMUY, PMSMA, BBBP, Startup India, PM-KISAN
- 2018: AB-PMJAY
Major Achievements
- Financial Inclusion: 46+ crore Jan Dhan accounts
- Clean Energy: 8+ crore LPG connections
- Health Insurance: 50+ crore beneficiaries covered
- Housing: 1+ crore houses constructed
- Rural Roads: 6+ lakh km rural roads built
Funding and Budget
- AB-PMJAY: ₹12,000 crore annual budget
- PM-KISAN: ₹75,000 crore annual allocation
- PMAY: ₹1.81 lakh crore total allocation
- SBM: ₹2 lakh crore total investment
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