Saturday, November 28, 2015

Government Programmes Launched By PM Narendra Modi (Download PDF)

Our PM Shri Narendra Modi has taken many administrative initiatives in the form of various developmental Programmes / Schemes. As these schemes are new, we are categorizing them out of general categorization. Theses topics should be given more emphasis than the older government programmes.

Major Government Programs of 2014/15

1. Atal Pension Scheme

The government had started the Swavalamban scheme in 2011-12, but the  coverage under Swavalamban Scheme was inadequate mainly due to lack of guaranteed pension benefits at the age of 60. so Atal Pension Yojana (APY) was launched on 1st June 2015,  which will provide a defined pension, depending on the contribution, and its period. Under the APY, a fixed monthly pension ranging between Rs. 1000 to Rs. 5000 can be availed to the subscribers if he/she joins and contributes between the age of 18 years and 40 years.

The scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA) through NPS architecture. GOI will also co-contribute 50% of the subscriber’s contribution or Rs. 1000 per annum, whichever is lower. Government co-contribution is available for those who are not covered by any Statutory Social Security Schemes and is not income tax payer. GOI will co-contribute to each eligible subscriber, for a period of 5 years who joins the scheme between the period 1st June 2015 to 31st December 2015.  The existing Swavalamban subscriber, if eligible, may be automatically migrated to APY with an option to opt out. However, the benefit of five years of government Co-contribution under APY would not exceed 5 years for all subscribers. This would imply that if, as a Swavalamban beneficiary, he has received the benefit of government Co-Contribution of 1 year, then the Government co-contribution under APY would be available only 4 years and so on.

The minimum age of joining APY is 18 years and maximum age is 40 years. The age of exit and start of pension would be 60 years. Therefore, the minimum period of contribution by the subscriber under APY would be 20 years or more. All bank account holders under the eligible category may join APY with an auto debit facility to accounts, leading to a reduction in contribution collection charges. T

Aadhaar will be the primary KYC. Aadhar and mobile number are recommended to be obtained from subscribers for the ease of operation of the scheme. If not available at the time of registration, Aadhar details may also be submitted later stage.

If no payment is made towards the scheme
- for six months, the holder’s account will be frozen
- for 12 months, the holder’s account will be deactivated
- for 24 months, the holder’s account will be closed

2. Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana  (PMJJBY) is a government-backed Life insurance scheme in India. It was formally launched by Prime Minister Narendra Modi on 9 May in Kolkata. As of May 2015, only 20% of India's population has any kind of insurance, this scheme aims to increase the number of insured persons. Pradhan Mantri Jeevan Jyoti Bima Yojana is available to people between 18 and 50 years of age with bank accounts. It has an annual premium of 300 excluding service tax (Premium was 330). The amount will be automatically debited from the account. In the case of death due to any cause, the payment to the nominee will be 200,000. The scheme will be administered by Banks and be guided by the scheme rules as specified by the Government of India from time to time.  The insurance cover under this product will start from 1st June 2015 and shall be renewed annually.  This is a life insurance product similar to traditional life insurance products by other companies. 

3. Pradhan Mantri Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana (PMSBY) was launched by PM Narendra Modi as social security scheme - An accidental Death and Disability insurance scheme.
Eligibility: Available to people in the age group 18 to 70 years with a bank account.
Premium:  Rs 12 per annum.
Payment Mode: The premium will be directly auto-debited by the bank from the subscribers account. This is the only mode available.
Risk Coverage:  For accidental death and full disability – Rs 2 Lakh and for partial disability – Rs 1 Lakh.
Eligibility: Any person having a bank account and Aadhaar number linked to the bank account can give a simple form to the bank every year before 1st of June in order to join the scheme.  Name of the nominee to be given in the form.
A major difference between PMJJBY and PMSBY is, the latter is accidental death only insurance.

4. Pahal - Direct Benefit Transfer (DBT)

PaHaL or Pratyaksha Hastaantarit Laabh, formerly the Direct Benefit Transfer Scheme for LPG subsidy, is a Direct Benefit Transfer scheme for liquefied petroleum gas (LPG) subsidy in India. It  is an attempt to change the mechanism of transferring subsidies launched by Government of India on 1 January 2013. This program aims to transfer subsidies directly to the people through their bank accounts. The program was launched in selected cities of India on 1 January 2013. It was launched in 20 districts, covering scholarships and social security pensions initially.
The primary aim of this Direct Benefit Transfer program is to bring transparency and terminate pilferage from the distribution of funds sponsored by Central Government of India. On June 1, 2013, the minister of Petroleum & Natural Gas, M Veerappa Moily formally launched the scheme direct benefits transfer for LPG (DBTL) Scheme in 20 high Aadhaar coverage districts.  The scheme was extended nationwide on 1 January 2015.

5. Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana in a Government of India backed saving scheme targeted at the parents of girl children. The scheme encourages parents to build a fund for the future education and marriage expenses for their female child. Sukanya Samriddhi Yojana was launched by Prime Minister Narendra Modi on 22 January 2015 as a part of the Beti Bachao, Beti Padhao campaign. The scheme currently provides an interest rate of 9.2% and tax benefits. The account can be opened at any India Post office or a branch of some authorised commercial banks.

Sukanya Samriddhi Account details

- Account Transferability: The account can be opened with an amount of Rs. 1000. It can be transferred from the original location to anywhere in India as the girl child relocates.
- Minimum Contribution: Rs. 1000 per account has to be deposited per year. A maximum of Rs.1, 50,000 per account can be deposited. There is no limit in the number of deposits in a financial year. The money can be deposited through cash, cheque or draft.
- Penalty: A penalty of Rs.50 will be imposed if the account is not credited with the minimum amount.
- The rate of Interest: The scheme is offering an interest rate of 9.1% per year. However, it will be revised in April every year and the change will be communicated subsequently. The interest will be compounded yearly and directly credited to the account.
- Term Period: The guardian is expected to deposit amount in the account only till the completion of 14 years. No deposits after that are required till the maturity of the account.
- Withdrawal: A premature withdrawal (at the end of the previous financial year) of 50% of the accumulated amount is allowed after the girl child turns 18.
- Closure of Account: The account can be closed only after the child turns 21. If the money is not withdrawn even after that, it will continue to earn the interest.
- Taxation: As per Section 80C of Income Tax Act, the investment (up to Rs.1.5 lakhs) under the scheme, all the payments including the interest payment and the total maturity amount will be fully exempted from taxation.

6. Beti Bachao Beti Padhao Scheme

The trend of decline in the Child Sex Ratio (CSR), defined as a number of girls per 1000 of boys between 0-6 years of age, has been unabated since 1961. The decline from 945 in 1991 to 927 in 2001 and further to 918 in 2011 is alarming. The government has announced Beti Bachao Beti Padhao initiative. Prime Minister Modi launched the programme on January 22, 2015, from Panipat, Haryana. This is being implemented through a national campaign and focussed multi-sectoral action in 100 selected districts low in CSR, covering all States and UTs. This is a joint initiative of Ministry of Women and Child Development, Ministry of Health and Family Welfare and Ministry of Human Resource Development.

The objectives of this initiative are:
- Prevention of gender-biased sex selective elimination
- Ensuring survival & protection of the girl child
- Ensuring education and participation of the girl child

7. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

To support Make In India campaign, and increase the number of skilled workers in the country, PMKVY was launched. With a total outlay of about INR 1,500 crore, the PMKVY is likely to impart skills training to 24 lakh youth of the country.
PMKVY is the flagship scheme for skill training of youth to be implemented by the new Ministry of Skill Development and Entrepreneurship through the National Skill Development Corporation (NSDC).
Skill training would be done based on the National Skill Qualification Framework (NSQF) and industry-led standards. Under the scheme, a monetary reward is given to trainees on assessment and certification by third party assessment bodies. The average monetary reward would be around Rs.8000 per trainee.

8. Make in India initiative

Make in India is an initiative program of the Government of India to encourage companies to manufacture their products in India. It was launched by Prime Minister Narendra Modi on 25 September 2014. The major objective behind the initiative is to focus on 25 sectors of the economy for job creation and skill enhancement. Some of these sectors are automobiles, chemicals, IT, pharmaceuticals, textiles, ports, aviation, leather, tourism and hospitality, wellness, railways, auto components, design manufacturing, renewable energy, mining, biotechnology, and electronics.

The ‘Make in India’ initiative has its origin in the Prime Minister’s Independence Day speech where he gave a clarion call to ‘Make in India’ and ‘Zero Defect; Zero Effect’ policy.  ‘Make in India’ seeks to make India a self-reliant country. State Governments, Business Chambers, Indian Missions aboard are playing an active role in the launch of the initiative. A dedicated cell has been created to answer queries from business entities through a newly created web portal.

9. Pradhan Mantri Jan-Dhan Yojana

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.
PMJDY financial inclusion campaign was launched by the Prime Minister of India, on 28 August 2014. He had announced this scheme on his first Independence Day speech on 15 August 2014.
Account holders will be provided zero-balance bank account with RuPay debit card, in addition to accidental insurance cover of Rs 1 lakh. After Six months of the opening of the bank account and satisfactory operation, account holders can avail 5,000 overdraft from the bank.
With the introduction of new technology introduced by National Payments Corporation of India (NPCI), a person can transfer funds, check balance through a normal phone which was earlier limited only to smartphones so far. Mobile banking for the poor would be available through National Unified USSD Platform (NUUP) for which all banks and mobile companies have come together.

10. SAANJHI - Sansad Adarsh Gram Yojana

Prime Minister Narendra Modi launch the Saansad Adarsh Gram Yojana (SAANJHI) on 11th October 2014. It is Lok Nayak Jai Prakash Narayan Ji’s birth anniversary – at Vigyan Bhawan, New Delhi. The goal is to develop three Adarsh Grams by March 2019, of which one would be achieved by 2016. Thereafter, five such Adarsh Grams (one per year) will be selected and developed by 2024.

Strategies under Sansad Adarsh Gram Yojana
-  Entry point activities to energize and mobilize the community towards positive common action
- Participatory planning exercise for identifying peoples’ needs and priorities in an integrated manner
- Converging resources from Central Sector and Centrally Sponsored Schemes and also other State schemes to the extent possible.
- Repairing and renovating existing infrastructure to the extent possible.
- Strengthening the Gram Panchayats and peoples’ institutions within them
- Promoting transparency and accountability

11. Smart Cities Programme

The government of India has announced an ambitious 100 smart cities programme. State capitals and many tourist, heritage cities are expected to witness a rapid upgrade of urban infrastructure and online services to citizens, enabled by Information Technology. The 100 smart cities will be selected on the basis of a city challenge competition. In the first stage, each state and Union Territory will give a score to their cities on the basis of four parameters, including existing service levels, institutional systems and capacities, self-financing and past track records. States will nominate top cities based on the scores. The 100 cities will then prepare smart city plans, which will be evaluated again. The top 20 cities will be finally selected for funding in the first phase.

12. Digital India programme

Digital India programme is a flagship programme of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy. Digital India aims at ensuring the government services are made available to citizens electronically by reducing paperwork. The initiative also includes a plan to connect rural areas with high-speed internet networks. The project is slated for completion by 2019.  A two-way platform will be created where both the service providers and the consumers stand to benefit. The scheme will be monitored and controlled by the Digital India Advisory group which will be chaired by the Ministry of Communications and IT.

Digital India has three core components:
1. The creation of digital infrastructure
2. Delivering services digitally
3. Digital literacy

13. Soil Health Card Scheme

PM Narendra Modi launches Government`s nationwide `Soil Health Card` Scheme on 19th February 2015 from Suratgarh, Rajasthan. 
Under the scheme, the government plans to issue Soil card to farmers which will carry crop-wise recommendations of nutrients and fertilizers required for the individual farms to help farmers to improve productivity through the judicious use of inputs.
All soil samples are be tested in various soil testing labs across the country. Thereafter the experts will analyze the strength and weaknesses (micronutrients deficiency) of the soil and suggest measures to deal with it. 
The result and suggestion will be displayed in the cards. The Government plans to issue the cards to 14 crore farmers

14. Swachh Bharat Abhiyan

Swachh Bharat Abhiyan (Clean India Mission) was launched by PM Narendra Modi on 2nd October 2014. It covers 4041 statutory towns, to clean the streets, roads and infrastructure of the country. Cost over Rs. 62000 crore will be utilised for the mission. The fund will be shared between the Central Government and the State Government and Urban Local Bodies (ULBs) on 75:25 (90:10 for North Eastern and special category states).

Objectives of Swachh Bharat Abhiyan are:
- Elimination of open defecation
- Conversion of unsanitary toilets to pour flush toilets.
- Eradication of manual scavenging
- 100% collection and processing/disposal/reuse/recycling of municipal solid waste
- A behavioural change in people regarding healthy sanitation practices
- Generation of awareness among citizens about sanitation and its linkages with public health
- Supporting urban local bodies in designing, executing and operating waste disposal systems
- Facilitating private-sector participation in capital expenditure and operation and maintenance costs for sanitary facilities.

Read these thoroughly and remember all the facts and figures, as these are latest schemes, examiners tend to ask about them more frequently.

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