GOVERNMENT SCHEMES & INITIATIVES

Note:
(1) Blue-coloured schemes: Important as per Crack Grade B
(2) Grey shaded box: PYQ

AGRI & ALLIED

Fund-based support
NAME AND ABOUT ELIGBILITY OBJECTIVES BENEFITS
Fasal Bima Yojana Loanee:  Affordable  95-98.5% actuarial premium fulfilled by
 2016  Farmers with loans from (FIs) comprehensive Centre and State on a 1:1 share
 Replaces for seasonal agricultural insurance cover  Insurance claim size – proportion of
Modified operations (SAO) – premium  Expand penetration of shortfall from the threshold yield 
National to be paid deducted from crop insurance on sum insured
Agricultural loans covering the total sown  Threshold crop yield is based on 7-year
Insurance  Crop loans sanctioned against area data and indemnity levels
Scheme collateral securities – fixed  Stabilise farmer
(MNAIS), deposits, gold or jewel loans incomes production Crops insured and nominal shares paid by
Weather- and mortgage loans with no  Ensure flow of credit to farmers:
based Crop insurable interest on the the agriculture sector  Kharif crops - 2%
Insurance insurable land – not covered  Encourage farmers to  Rabi crops - 1.5%
Scheme, adopt innovative and  Commercial crops - 5%
National Non-loanee: Non-standard Kisan modern agricultural  Horticultural crops - 5%
Agricultural Credit Card (KCC) scheme-linked practices
Insurance crop loans  Stimulate competition Stages of crop covered:
Scheme in the agriculture  Initial Stage: Risk of sowing, planting
(NAIS) Insurance excluded: Loss or damage sector and germination failure due to low
 18 insurance to notified insured crops due to war,  Protect farmers from rainfall or adverse weather conditions
companies nuclear risks, malicious damage & production risks  Growth Stage: Risk of standing crop
other preventable risks  GST exemption to failure due to non-preventable risks like
farmers drought, dry spells, floods, inundation,
pest infestations, crop diseases,
 landslides, natural fires, lightning,
hailstorms, and cyclones
 Harvest Stage: Risk of post-harvest
losses to crops required to be dried in
cut-and-spread or small bundles after
harvesting
 Protection against calamities: Loss or
damage to notified insured crops due to
identified localised risks of hailstorms,
landslides, cloud bursts and natural
fires
PM Annadata Aay  To increase agricultural  Price Support Scheme (PSS): Assisted by Food Corporation of India
Sanrakshan production, lower cultivation (FCI) and National Agricultural Cooperative Marketing Federation of
Abhiyan (PM- cots, ensure security of India (NAFED), Central nodal agencies procure pulses, oilseeds, copra
AASHA) income in long-run and State Govts proactive
 Reviving rural economy  Price Deficiency Payment Scheme (PDPS): Oil seeds. State to cover
 Crop diversification difference between mandi prices and MSP.
 Lessening of stockpiling of  pilot of Private Procurement and Stockist Scheme (PPPS): In some
grains districts, oil seeds to be procured by private agencies in collab with
Govt at MSP whenever the MSP falls
Pradhan Mantri Included: All land-holding farmers ₹ 6000 per annum per family payable in 3
Kisan Samman equal installments of Rs 2000 each, every 4
Nidhi (PM-KISAN) Excluded: Institutional landholders, farmer families in which one or months
 24 Sept 2019 more of its members who have held/ holding a constitutional post
 ₹ 60,000 cr (MP, MLA, mayor, chairperson of district panchayat) or
for 2024-25 serving/retired Govt employees or regular employees under Local
Bodies (except multi-tasking/Group D employees) or pensioners
whose monthly pension is ₹ 10 K + (except multi-tasking / Group D
employees) or paid income tax previous year or professionals

Target: Around 12 cr small and marginal farmer families

Pradhan Mantri Small and Marginal Farmers (SMF) who owns cultivable land up to  Contribute between ₹ 55 to ₹ 200 per
Kisan Maandhan 2 ha – aged 18 to 40 years month till they attain the age of 60
Yojana (PM-KMY)  Equal contribution by Govt
 12 Sept 2019 Excluded:  Minimum fixed pension of ₹ 3,000 per
 Under LIC  SMFs under NPS, ESIC, EPFO, PM Shram Yogi Maan Dhan month
 Yojana (PM-SYM), PM Laghu Vyapari Maan-dhan Yojana (PM-
LVM)
 Institutional Land holders
 Paid IT in last assessment year
 Professionals
 Former & present MLAs, MPs of LS & RS, mayors, chair of
district Panchayats
Serving or retired officers & employees of any PSU under Central/
State Govt, regular employees of Local Bodies (excluding Multi-
Tasking Staff / Class IV / Group D employees)
Modified Interest  Short-term crop loans up to ₹ 3 L at 7% per annum for 1 year
Subvention  3% extra subvention for prompt repayment
Scheme  Also available for post-harvest loans against Negotiable Warehouse Receipts (NWRs) on crop loans - loan
period extended for 6 months SMFs with KCCs on occurrence of natural calamities and severe natural
calamities
Rashtriya Krishi Not funded:  To provide flexibility State Level Project Screening Committee
Vikas Yojana –  Revolving funds, and autonomy to (SLPSC) for screening and Sanctioning
Remunerative salary/allowances of states in the process of Committee (SLSC) for sanctioning RKVY-
Approaches for employees planning and RAFTAAR project proposals upon submission
Agriculture and  Foreign Visits/Tours executing Agriculture of Detailed Project Reports (DPRs)
Allied sector including study tours of and allied sector  DPR contains: Feasibility studies,
Rejuvenation farmers abroad schemes competencies of the implementing
(RKVY-RAFTAAR)  Financing any kind of debt  To ensure that the agencies, anticipated benefits
 Revised 1 waiver, interest subvention, local (outputs/outcomes) that will flow to the
Nov 2017 payment of insurance needs/crops/priorities farmers/ State, definite timelines for
from premium, subsidy are better reflected in implementation etc.
Rashtriya compensation to farmers and the agricultural plans Innovation and agri-entrepreneur
Krishi Vikas calamity relief expenditure of the states development:
Yojana  Addditional bonus over &  To promote innovation  Knowledge Partners (KPs) and RKVY
(2007-08) above Minimum Support Price and agri- Agribusiness Incubators (R-ABIs) to
(MSP) entrepreneurship by establish incubation centres to provide
providing financial and trainings, mentorship and financial
technical support for support to startups/entrepreneurs in
nurturing startups agri and allied sector for product
ecosystem launch and further scaling up
 Financial support: Up to ₹ 5 L at
 idea/pre-seed stage, up to ₹ 25 L at
seed stage
 Agripreneurship Orientation: Providing
an opportunity to students/youth to
work on their innovative ideas by
imparting two months training & hands
on internship with other start-ups at
the respective R-ABI
Others:
 Promotion of FPOs having 500 or above
number of farmers
 Support to District Agriculture Plans
and State Agriculture Plans (DAP /
SAP), and State Agriculture
Infrastructure Development Programme
(SAIDP)

Infrastructure
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Agriculture Farmers, Agri-entrepreneurs, Start-ups, Medium to long-term debt  Loans by banks and FIs with
Infrastructure Fund PACS, Marketing and Multi-purpose co- financing facility for interest subvention of 3% per
(AIF) ops & all co-op federations, FPOs and investment in viable projects annum
 Under their federations, SHGs and their for post-harvest management  Credit guarantee coverage
Aatmanirbhar federations, JLG, APMC mandis, PPP infra and community farming under CGTMSE for loans up
Bharat Package projects of Centre / State / Local bodies assets through interest to ₹ 2 cr
 ₹ 1 L cr subvention and credit  Benefits up to 25 projects
 FY2020-21 to guarantee support located in different LGD codes
FY2032-33

Pradhan Mantri  Achieve convergence of  AIBP: 1986 - 99 projects - ₹ 77,595 crore - Surface Minor
Krishi Sinchayee investments in irrigation at the Irrigation (SMI) schemes included here
Yojana field level (preparation of district  Repair, Renovation & Restoration (RRR) by Ministry of Water
 1 July 2015 & subdistrict-level water use Resources scheme for water bodies in 2005 - 3,341 water
 2021-26 plans) bodies - ₹ 1,309.16 crore
  ₹93,068 cr  Enhance physical access of water  Har Khet Ko Pani – Ground Water (PM-KSY-HKKP-GW): To
 Dept of Water on the farm & expand cultivable provide irrigation facility for small and marginal farmers in
Resources, River area under assured irrigation areas having sufficient potential for future development of
Development &  Integrate water source, ground water
Ganga distribution & its efficient use  Command Area Development & Water Management
Rejuvenation,  Enhance adoption of precision (CADWM): To enhance physical access of water on farm and
Ministry of Jal irrigation and other water-saving expand cultivable area under assured irrigation – 99
Shakti technologies prioritized Projects – Long-term Irrigation fund under
 Joining ongoing  Enhance recharging of aquifers NABARD
schemes: and introduce sustainable water-  Jal Sanchay: construction of rainwater harvesting structures
Accelerated conservation practices  Promote efficient water conveyance and precision water
Irrigation Benefit  Ensure integrated development of application devices
Programme rainfed areas using the watershed  Install water lifting devices such as diesel/electric/solar
(AIBP), River approach pump sets
Development &  Promote extension activities  Capacity training and awareness campaigns
Ganga pertaining to water harvesting,  Low-cost publications
Rejuvenation, water management and crop  Watershed development (management of runoff water and
Integrated alignment for farmers improved soil and moisture- conservation activities)
Watershed  Explore the feasibility of reusing
Management treated municipal wastewater for Micro Irrigation Fund (MIF) under NABARD – initial corpus Rs 5000
Programme peri-urban agriculture cr – loans States/UTs at 3% lower interest rate than market cost of
(IWMP) and On-  Attract more private investments funds – interest subvention borne by Centre
farm Water in irrigation
Management
(OFWM) Target coverage: 10M hectares
Pradhan Mantri Kisan Creation of modern infrastructure with  Integrated Cold Chain & Value Addition Infrastructure
Sampada Yojana efficient supply chain management from Scheme
 2017-18 farm gate to retail outlet  Creation/ Expansion of Food Processing and Preservation
 ₹4,600 cr Capacities Scheme
 Up to 31 Mar  Grants-in-aid for Food Processing projects
2026
Operation Greens: 2018-19
 ₹ 500 cr
 Enhancing the value realization of farmers and minimizing
post-harvest losses, covering 22 perishable crops
 Short-term intervention: 50% subsidy on Transportation and

Namo Drone Didi To provide drones to 15,000 selected
 ₹ 1261 Cr Women SHGs for providing rental
 2024-25 to services to farmers for agriculture
2025-26 purpose
Soil Health Card To give each farmer soil nutrient status
of the land and advise farmer on dosage
of fertilizers and soil amendments
Rainfed Area Enable farmers not only in maximizing
Development (RAD) the farm returns for sustaining
 2014-15 livelihood, mitigate the impacts of
drought, flood or other extremes
weather events
Hiring of appropriate storage facilities for TOP Crops
 Long-term interventions: (1) Targeted interventions to
strengthen production clusters and FPOs (2) Linking farmers
with the market (3) Farm gate infrastructure (4) Agri-logistics
and appropriate storage capacity linking consumption
centres (5) Increase in food processing capacities
 Dept of Agri & Farmers Welfare (DA&FW), Dept of Rural
development (DoRD), Dept of Fertilizers (DoF), Women SHGs,
Lead Fertilizer Companies (LFCs)
 Central Financial Assistance @ 80% of the cost of drone and
accessories/ancillary charges up to a maximum of ₹ 8 L
 Cluster Level Federation (CLFs) of SHGs to raise the balance
amount (total cost of procurement minus subsidy) as loan
under National Agriculture Infra Financing Facility (AIF) with
interest subvention @ 3%
 One member above 18 and qualified elected by the SRLM and
LFCs for 15 day training and other for training for repairs of
electrical goods, fitting and mechanical works
 LFCs to promote use of Nano Fertilizers such as Nano Urea
and Nano DAP by the drones with SHGs
 12 parameters of nutrients
o Macro: N, P, K
o Secondary: S
o Micro: Zn, Fe, Cu, Mn, Bo
o Physical parameters : pH, EC, OC
 Issued once in every 2 years
 SHC portal revamped and integrated with Geographic
Information System (GIS)
Area-based approach in cluster mode for promoting Integrated
Farming System (IFS) focussing on multi-cropping, rotational
cropping, inter-cropping, mixed cropping practices with allied
activities like horticulture, livestock, fishery, apiculture etc.,
Sub Mission on  Increasing the reach of farm mechanization to small and marginal farmers and to the regions where
Agricultural availability of farm power is low
Mechanization  Promoting „Custom Hiring Centres‟ to offset the adverse economies of scale arising due to small
(SMAM) landholding and high cost of individual ownership
 2014  Creating hubs for hi-tech& high value farm equipments
 Creating awareness among stakeholders through demonstration and capacity-building activities
 Ensuring performance testing and certification at designated testing centers
 Kisan drone promotion: Drones to the farmers on subsidy and entities to rent it to them
 Crop Residue Management: 2018-19 - Punjab, Haryana, UP and NCT of Delhi - Set up Farm Machinery
Banks for custom hiring of in-situ crop residue management machinery

Organic farming / Horticulture

NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Paramparagat Krishi All Training & Capacity Total: ₹50,000 per ha for 3 years - ₹ 31,000 as DBT
Vikas Yojana states/UTs Building, Data Management,  Value addition, marketing and publicity: Rs 8800/ha for
except NE PGS Certification, Value 3 years
Addition, Marketing and  Certification and training: Rs 2700/ ha for 3 years
Publicity in Organic Farming  Landholding & capacity building: Rs 7500/ha for 3 years

National Programme for Organic Production (NPOP): Certifying

organic produce for global markets
National Center for Organic and Natural Farming (NCONF) and
its Regional Centers: Awareness campaigns and training
programs
Bhartiya Prakritik Krishi Padhati (BPKP):
 Cluster formation, capacity building and continuous
handholding by trained personnel, certification and
residue analysis
 Clusters: of 500 ha
 ₹ 12,200 / ha for 3 years - ₹ 2000 as DBT
Mission Organic NE Creation of FPO, support to Creation of FPO, support to farmers for organic inputs, quality
Value Chain farmers for organic inputs, seeds/ planting material and training, hand holding and
Development for quality seeds/ planting certification: ₹ 46,575/ha for 3 years
North Eastern Region material and training, hand  Off-farm /on-farm organic inputs: ₹ 32500/ha for 3
(MOVCDNER) holding and certification in years - ₹ 15000 as DBT and ₹ 17,500 by State Lead
Organic Farming Agency (SLA) planting material
 Training, capacity building & certification: ₹ 10,000/-ha
for 3 years
National Programme for Organic Production (NPOP): Certifying
organic produce for global markets
National Center for Organic and Natural Farming (NCONF) and
its Regional Centers: Awareness campaigns and training
programs
National Mission On All with  To increase the area of  Price assurance: Viability gap funding - industry to pay
Edible Oils-Oil Palm special focus oil palm to 10 lakh 14.3% of the Crude Palm Oil (CPO) price
(NMEO-OP) on the NE hectares from 3.5 lakh  Assistance for inputs/interventions: ₹ 29000 per ha -
 2021 region and by 2025-26 and up to support for maintenance and inter-cropping
 ₹ 11,040 cr the Andaman 28 lakh tonnes by interventions, establishment of seed gardens, nurseries,
& Nicobar 2029-30. micro irrigation, bore well/pump set/water harvesting
Islands  To increase the Crude structure, vermi compost units, solar pumps, harvesting
Palm Oil production tools, custom hiring centre cum harvester Groups,
from 0.27 lakh tonnes farmers and officers training, replanting of old oil palm
to 11.20 lakh tonnes gardens etc.
by 2025-26
PM Programme for To encourage the balanced  No separate budget and financed through the “savings of
Restoration, use of fertilisers in existing fertiliser subsidy” under schemes run by the
Awareness, conjunction with bio Department of Fertilizers
Nourishment and fertilisers and organic  50% of subsidy savings will be passed on as grant to the
Amelioration of fertilisers state that saves the money
Mother Earth (PM  Grant - 70% to be used for asset creation related to the
PRANAM) technological adoption of alternate fertilisers and
 Dept of alternate fertiliser production units at the village, block,
Fertilizers and district levels - 30% to be used for rewarding and
encouraging farmers, panchayats, farmer producer
organisations, and self-help groups that are involved in
the reduction of fertiliser use and awareness generation
Mission for  Plantation infrastructure development
Integrated  Establishment and rejuventation of orchards and gardens for fruits, vegetables, spices and flowers
Development of  Pollination support through bee keeping
Horticulture (MIDH)  Horticulture mechanization and Marketing infrastructure
 2014-15  Post-harvest management
 National Bamboo Mission (NBM): 23 States and 1 UT (J&K) through the State Bamboo Missions
(SBM)/ State Bamboo Development Agency (SBDA) - development of complete value chain of the
bamboo sector with a cluster approach mode
National Mission for  Rainfed Area Development (RAD): encourage allied activities, value-addition, soil test/soil health card
Sustainable based nutrient management practices, farmland development, resource conservation - creation and
Agriculture (NMSA) development of common property resources/assets/utilities like grain bank, biomass shredders, fodder
bank, group marketing etc.,
 On Farm Water Management (OFWM): Assistance for adopting water conservation technologies, efficient
delivery and distribution systems etc., and equitably distribute the resources of commons by involving
the water users associations
 Soil Health Management (SHM): Creating and linking soil fertility maps with macro-micro nutrient
management, appropriate land use based on land capability, judicious application of fertilizers and
minimizing the soil erosion/degradation - by State Govt., National Centre of Organic Farming (NCOF),
Central Fertilizer Quality Control & Training Institute (CFQC&TI) and Soil and Land Use Survey of India
(SLUSI)
 Climate Change and Sustainable Agriculture: Monitoring, Modeling and Networking (CCSAMMN):
creation and bidirectional (land/farmers to research/scientific establishments and vice versa)
dissemination of climate change related information and knowledge - convergence and coordination
with MGNREGS, IWMP, Accelerated Irrigation Benefit Programme (AIBP), RKVY, NFSM, NHM, NMAET
etc.
 Fisheries
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
PM Matsya Sampada  Fishers, Fish  Increasing fish production to  Infra for Inland Fisheries (cages,
Yojana (PMMSY) Farmers, Fish 22 million metric tons by hatcheries, brood banks)
 10 Sept 2020 Workers and Fish 2024-25 from 13.75 million  Infra for Marine Fisheries
 Part of Vendors metric tons in 2018-19 (mechanization and greening
Atmanirbhar  SHGs, Joint Liability  Enhancing aquaculture fishing vessels, hatcheries, nets)
Bharat Groups (JLGs), co- productivity to 5 tons per  Infra for Ornamental Fisheries
 Total: 20,050 cr ops, federations, fish hectare from the current (breeding units)
C ₹ 9,401 cr FPOs in Fisheries national average of 3 tons  Livelihood and nutritional support
S 4,880 cr  SCs / STs / Women  Augmenting domestic fish  Fish transportation facilities,
Beneficiaries ₹ / PwD consumption from 5 kg to 12 iceboxes, retail markets
5,736 cr  Entrepreneurs and kg per capita  Diagnostic centre and quality
 FY21 to FY25 pvt firms  Increasing contribution of the testing labs for aquatic health
 Fisheries fisheries sector to the  Seaweed Cultivation
Development Agriculture GVA to about 9%  Sagar Mitras and Matsya Seva
Corporations & by 2024-25 from 7.28% in Kendras
State Fisheries 2018-19
Development Boards  Doubling export earnings to ₹
(SFDB) 1,00,000 crores by 2024-25
 Entitites of States / from ₹ 46,589 crores in 2018-
UTs / Centre 19
 Facilitating private investment
and growth of
entrepreneurship in the
fisheries sector
 Reduction of post-harvest
losses from the reported 20-
25% to about 10%
 Generating 55 lakh direct and
indirect employment
opportunities along the value
chain
 Doubling the incomes of
fishers and fish farmers
Blue Revolution
 Dec 2015
 Rs 3000 cr for 5
years (2015-16 to
2019-20)
Fisheries and Aquaculture
Infrastructure Development Fund
(FIDF)
 2018-19
 Rs 7,522.48 crore
Animal husbandry
Animal Husbandry Infrastructure
Development Fund (AHIDF)
 Under Infrastructure Development
Fund (IDF)
 ₹ 29,600 cr up to 2025-26
Dairy Processing & Infrastructure
Development Fund (DIDF)
To catalyze the integrated, Achievements:
Responsible and Holistic  Enhancement of fish production
Development and Management of from 10.26 Million metric tons
the Fisheries Sector (2014-15) to 13.75 Million metric
tons (2018-19)
 Productivity increased from 2.3
tons per hectare to 3.3 per tons per
hectare
 Exports increased from Rs 33,442
crore to Rs 46,589 crore (2018-19)
 Nodal Loaning Entities (NLEs): NABARD, all scheduled banks and National
Cooperatives Development Corporation (NCDC)
 Concessional finance to States/UTs and State entities for development of identified
fisheries infrastructure facilities
 Interest subvention up to 3% per annum at not lower than 5% per annum
 Loan period: 2018-19 to 2022-23
 Max. repayment period:12 years (inclusive of moratorium 2 years)
 Incentivize investments for Dairy processing and product diversification, Meat
processing and product diversification, Animal Feed Plant, Breed multiplication farm,
Animal Waste to Wealth Management (Agri-waste management) and Veterinary
vaccine and drug production facilities.
 3% interest subvention for 8 years including two years of moratorium for loan up to
90% from the scheduled bank and National Cooperative Development Corporation
(NCDC), NABARD and NDDB.
 Eligible entities: Individuals, Private Companies, FPO, MSME
 Dairy Cooperatives to avail support for modernization and strengthening of the dairy
plants
 Credit guarantee to the MSME and Dairy Cooperatives up to the 25% of the credit
borrowed from the Credit Guarantee Fund of ₹ 750 crore.
Loans sanctioned for Milk Processing Capacity, Milk Chilling Capacity, Drying Capacity,
VAP capacity
National Beekeeping & Honey Mission
(NBHM)
 2020
 Under Atma Nirbhar Bharat
Abhiyan
 “Sweet Revolution”
Rashtriya Gokul Mission
 For development and conservation
of indigenous bovine breeds
National Livestock Mission
National Digital Livestock Mission
(NDLM)
National Programme for Dairy
Development (NPDD)
 Feb 2014, restructured in July
2021
 2021-22 to 2025-26
Others
 Honeybees / beekeeping approved as 5th Input for Agriculture
 Advanced Honey Testing Labs and Mini Honey Testing Labs
 Madhukranti portal for online registration of Beekeepers/ Honey Societies/ Firms/
Companies
 Support to Honey FPOs
 Nationwide Artificial Insemination Programme
 Promotion of IVF Technology
 Sex sorted semen production
 INDUSCHIP: National Dairy Development Board - selection of elite animals of
indigenous breeds to be genotyped using the chip for creating referral population
 Animal Identification and traceability using polyurethane tags with 12 digit UID No.
 Progeny testing and Pedigree selection
Direct 50% subsidies to Individuals, SHGs, JLGs, FPOs, Section 8 Companies, FCOs to
establish Poultry Farms with Hatcheries and brooder mother units, sheep and goat breed
multiplication farm, piggery farm and feed and fodder units
Improving the productivity of the animals, control diseases that affect both animals and
humans, ensure quality livestock and livestock both for domestic and export markets
To enhance quality of milk and milk products and increase share of organised procurement,
processing, value addition and marketing
Components:
 Create and strengthen infra for quality milk linking the farmer to consumer
 Dairying through Cooperatives (DTC): To increase farmers‟ access to organised
market, upgrading dairy processing facilities and marketing infrastructure and
enhancing the capacity of producers owned institutions
 Breed Multiplication Farms: Subsidy of 50% (up to Rs 2 crore per farm) on capital
cost (excluding land cost) is provided to private entrepreneurs under this scheme for
establishment of breed multiplication farms
 Dairy co-ops and FPOs in dairy activities: Interest Subvention amount @ 2% and
working capital loan facilities
 Livestock Health And Disease Control Programme
 Kisan Credit Cards (KCC) for dairy farmers of milk co-ops & milk producer companies
Co-ops / Others
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Formation And Promotion Of  Cluster Based Business Organizations
10,000 Farmer Producer (CBBOs) for professional handholding
Organizations (FPOs) support to each FPO for 5 years
 February 2021  NAFED to provide market and value
 ₹6,865 cr chain linkages for all FPOs
 Financial assistance up to Rs 18 L per
FPO for 3 years
 Provision for matching equity grant upto
₹ 2,000 per farmer member of FPO with a
limit of ₹ 15 L per FPO
 Credit guarantee: Up to ₹ 2 cr of project
loan per FPO
Sahakar-22 To achieve the Mission of  FOCUS 222 – NCDC‟s focused assistance
 2017 New India by the year for Cooperatives in 222 Districts
 Under National 2022 through co-ops (including 117 Aspirational Districts
Cooperative identified by NITI Aayog)
Development  PACS HUB – Transformation of PACS and
Corporation (NCDC) other Coops as Apna Kisan Resource
Centers
 AENEC - Act East and North East
Cooperatives
 CEMtC - Centres of Excellence to Market
through Cooperatives
 SAHAKAR PRAGYA - Capacity
Development through Laxmanrao
Inamdar National Academy for
Cooperative Research Development
(LINAC)
Nandini Sahakar Cooperative society Interest subvention:
 Under National with 50% women as  2% on term loan portion for new and
Cooperative primary members 3 innovative activities
Development months in  1% on term loan portion for all other
Corporation (NCDC) operation activities
Yuva Sahakar Financial support at concessional rate of
 Nov 2018 interest to the new co-operatives enterprises
Ayushman Sahakar Cooperative Support cooperative  National Cooperative Development
 Ministry of Agriculture agencies registered societies giving Corporation (NCDC) disburses ₹ 10,000
and Farmers Welfare under State/Multi- AYUSH/holistic cr to be disbursed for prospective
 Support cooperatives in State Cooperative healthcare to meet cooperatives
development of AYUSH Societies Act objectives of National  Interest subvention of 1% to women
facilities Health Policy and to majority cooperatives
participate in National
Digital Health Mission

Note:
Centrally-sponsored schemes
Rashtriya Krishi Vikas Yojana
 Soil Health Card
 Rain-fed Area Development
 Micro Irrigation Fund Sub-
Mission on Agriculture
Mechanization (SMAM)
 Crop Residue Management
 Agroforestry
 Rastriya Krishi Vikas Yojana-
Detailed Project Report
(RKVY-DPR)
 Paramparagat Krishi Vikas
Yojana
 Pradhan Mantri Krishi
Sinchayee Yojana
Krishonnati Yojana
 National Food Security Mission (NFSM)
 Sub-Mission on Seed and Planting
Material (SMSP)
 National Mission on Edible Oils
(NMEO)-Oil Palm
 Mission for Integrated Development of
Horticulture (MIDH)
 National Bamboo Mission (NBM)
 Integrated Scheme for Agriculture
Marketing (ISAM)
 Sub-Mission on Agriculture Extension
(SMAE)
 Digital Agriculture
 Mission Organic Value Chain
Development for North Eastern Region
(MOVCDNER)
Central Sector Schemes
 Pradhan Mantri Kisan Samman Nidhi
(PM-KISAN)
 Pradhan Mantri Kisan Maan Dhan
Yojana (PM-KMY)
 Pradhan Mantri Fasal Bima Yojana
(PMFBY)
 Namo Drone Didi
 Modified Interest Subvention Scheme
(MISS)
 Agriculture Infrastructure Fund (AIF)
 Formation & Promotion of new 10,000
FPOs
 National beekeeping and Honey
Mission (NBHM)
 Market Intervention Scheme and Price
support Scheme (MIS-PSS)
Others:

 Support for Irrigation Modernization Program (SIMP): Central Water Commission (CWC), Department of Water Resources,
River Development & Ganga Rejuvenation with technical assistance from Asian Development Bank (ADB) – to modernize
Major/ Medium Irrigation (MMI) projects in the country
 To-be launched sub-scheme under PMMSY: Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) – ₹ 6,000 cr –
gradual formalization of the unorganized fisheries sector – digital inclusion, institutional financing one-time incentive for
opting aquaculture insurance, fishery MSMEs for supply chain and value-chain efficiency
 Inclusion of fish farmers in KCC
 Multipurpose Seaweed Park in Tamil Nadu
 Development of 5 Major fishing harbours (Chennai, Kochi, Paradip, Petuaghat and Visakhapatnam)
 Launch of android app “Report Fish Disease” – under the National Surveillance Programme for Aquatic Animal Diseases – 28
June 2023 – developed by ICAR-National Bureau of Fish Genetic Resources (NBFGR), Lucknow
 Soil Fertility Map to be formed with 5 cr soil samples during 2023-24 to 2025-26
 Kisan Call Centre: Integration with VISTAAR, other IT applications, and Kisan Sarathi (ICAR) for direct contact with Agri
experts
 Wadhwani: Krishi 24X7 for Realtime News monitoring, Tamil language and image-based cotton pest identification to be
plugged in with FLEW/farmer profile mapping
 Sheetal Vahak Yantra (SHIVAY): Under Dept. of Atomic Energy – for refrigerated transport of farmers‟ products and
integration of the technology on a commercial vehicle in collaboration with Tata Motors in incubation mode
HEALTH

Financial support
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Pradhan Mantri Jan Rural: at least one of the Reduction of Out Of  Cover of ₹ 5 L/family (no cap on size
Arogya Yojana (PMJAY) deprivations identified as per Pocket (OOP) or age) per year, including pre and
 23 Sept 2018 SECC 2011 expenditure by post-hospitalisation expenses,
 Recommended by covering almost all transport allowances
the National Urban: Ragpicker, Beggar, secondary and many  Covers: 3 days pre-hospitalization,
Health Policy 2017 Domestic worker, Street vendor, tertiary Medical examination, treatment and
 Earlier: National Cobbler, hawker, other service hospitalizations (except consultation, Medicine and medical
Health Protection provider working on streets, a negative list) consumables, Non-intensive and
Scheme (NHPS) Construction labourer, Plumber, intensive care services, Diagnostic
 Subsumed Mason, Painter, Welder, Security Target: Approx. 55 cr and laboratory investigations,
Rashtriya guard, Coolie, Head-load worker, beneficiaries (12 cr Medical implantation services (where
Swasthya Bima Sweeper, Sanitation worker, from bottom 40% of necessary), Accommodation benefits,
Yojana (RSBY) Home-based worker, Artisan, the Indian population) Food services, Complications arising
 S:C expenditure Handicrafts worker, Tailor, during treatment, 15 days post-
sharing as per Transport worker, Driver, hospitalization
MoF guidelines Conductor, Helper to drivers and  Payment on a package rate basis
depending on conductors, Cart puller, Rickshaw depending on specific State/UTs
actual market puller, Shop worker, Peon in small which includes all costs associated
determined establishment, Helper,Delivery with treatment in cashless +
premium paid in assistant, Attendant, Waiter, paperless transaction
States/UTs Electrician, Mechanic, Assembler,
through insurance Repair worker, Washer-man
companies
Automatic inclusion: destitute/
living on alms, manual scavenger
households, primitive tribal group,
legally released bonded labour
Janani Suraksha LPS: All pregnant women Reduce infant and Rural:
Yojana delivering in govt health centres maternal mortality by LPS: Mother ₹ 1400 + ASHA ₹ 600
 12 Apr 2005 [Sub Centers, PHCs, Community promoting institutional HPS: Mother ₹ 700 + ASHA ₹ 600
modifying National Health Centers, First Referral delivery among
 Maternity Benefit Units, general wards of district or pregnant women Urban:
Scheme of Aug state hospitals] – all births especially SC, ST, BPL LPS: Mother ₹ 1000 + ASHA ₹ 400
1995 women HPS: Mother ₹ 600 + ASHA ₹ 400
 Under National HPS: All BPL / SC / ST women
Rural Health delivering in a govt health centre – For BPL women (19+) for delivery at home,
Mission assistance limited to 2 live births ₹ 500 delivery assistance regardless of age
 Modification of and no. of children
National Maternity LPS & HPS: BPL / SC / ST women
Benefit Scheme in accredited pvt institutions Janani Shishu Suraksha Karyakaram
(JSSK): Free delivery, including for
Low Performing States (LPS): UP, caesarean section, in public health
Uttarakhand, Bihar, MP, institutions along with the provision of free
Jharkhand, Chhattisgarh, Assam, transport, diagnostics, medicines, other
Odisha, Rajasthan, J&K consumables, diet and blood.
Pradhan Mantri Matru Pregnant and lactating mothers To promote health-  Direct cash benefits of ₹ 5000 for
Vandana Yojana seeking behaviour and one child
(PMVVY) for partial  Extension of benefit for 2nd child if it
compensation of wage is girl child with ₹ 6000
losses during the
period of pregnancy
and motherhood
Health Minister’s  Patient suffering from major illness Support amount - estimated cost of
Discretionary Grant  Undergoing treatment in Govt. hospitals/Institutions treatment
(HMDG)  Family income less than ₹1 LPA  ₹ 50 K - up to ₹ 1 L
Excluded:  ₹ 75 K - above ₹ 1 L & up to ₹ 1.5 L
 Reimbursement of expenditure already incurred  ₹1L - above ₹1.5 L
 Prolonged treatment involving recurring expenditure
 Treatment of common diseases with inexpensive
treatment
 No T.B. cases (free treatment available under National
T.B. Control Programme)
 Private hospital
 Centre & State Govt employees
 Rashtriya Arogya Nidhi BPL patients suffering from major
(RAN) life threatening diseases related to
 1997 heart, liver, kidney and cancer
cases, etc.,
Receive medical  Released as one-time grant to the
treatment at any of the Medical Superintendent of the
super specialty Govt hospital in which the treatment is
hospitals / institutes being received
or other Govt hospitals  Revolving Funds up to ₹ 50 L in 12
Central Government
hospitals/institutes
 For financial assistance beyond ₹ 5 L
required to be referred to MoH&FW

RAN – Health Minister‟s Cancer Patient

Fund (HMCPF):
 BPL cancer patients undergoing
treatment in any of the 27 Regional
Cancer Centres
 Revolving Funds up to ₹ 50 L for
providing treatment up to ₹ 5L in
each case
 Cases involving treatment beyond 5L
referred to MoH&FW for providing
funds

Research / Missions
NAME AND ABOUT OBJECTIVES
Pradhan Mantri Ayushman Bharat Health  Developing capacities of
Infrastructure Mission (PM-ABHIM) health systems and
 Earlier “PM Atmanirbhar Swasth institutions across the
Bharat Yojana” continuum of care at all
 25 Oct 2021 levels
 ₹ 64,180 Cr  Preparing health systems
 FY 2021-22 to FY 2025-26 in responding effectively to
the current and future
pandemics/disasters
BENEFITS
 Build an IT-enabled disease surveillance
system by developing a network of surveillance
laboratories at block, district, regional and
national levels
 Strengthening health units at the Points of
Entry for combating Public Health Emergencies
and Disease Outbreaks
Scope for Mainstreaming Ayurveda
Research among Teaching professionals
(SMART) 2.0
 The Central Council for Research in
Ayurvedic Sciences (CCRAS)
Similar schemes: Studentship Program for
Ayurveda Research Ken (SPARK) for
Undergraduate Scholars, Scheme for Training
in Ayurveda Research for PG Scholars (PG-
STAR)
Scheme for Promotion of Menstrual
Hygiene among Adolescent Girls in Rural
India
Sickle Cell Anaemia Elimination Mission
 1 July 2023
 Launched at Shahdol, MP
 Under National Health Mission
 MoH&FW, Mo Tribal Affairs, ICMR
To promote robust clinical
studies in priority areas of
Ayurveda with Ayurveda
academic institutions / hospitals
through mutual collaboration
Promote Adolescent
Reproductive Sexual Health and
Menstrual health
3,13,255 Anganwadis and
3,69,461 Schools implementing
scheme
 Eliminate Sickle Cell
Anaemia by 2047
 To screen approx. 7 cr
people under 40 years in
next 3 years
To identify, support and promote innovative research
ideas in 10 diseases – Osteoarthritis, Iron Deficiency
Anaemia, Chronic Bronchitis, Dyslipidemia,
Rheumatoid Arthritis, Obesity, Diabetes Mellitus,
Psoriasis, Generalised Anxiety Disorder, Non-
alcoholic fatty liver disease (NAFLD)
ASHA workers – distribute the sanitary napkin packs
at a subsidized rate of ₹ 6 for a pack of 6 napkins &
arrange monthly meetings with the adolescent girls
(10-19) in their area to deliberate on various health
issues including menstrual hygiene management
17 high-focus states - Gujarat, Maharashtra,
Rajasthan, MP, UP, AP, Jharkhand, TN, Assam,
Chhattisgarh, WB, Odisha, Telangana, Karnataka,
Kerala, Bihar & Uttarakhand

National Health Mission

Universal access to Targets:
equitable, affordable &
quality health care services
that are accountable and
responsive to people‟s needs
 Reduce Maternal Mortality Rate (MMR) to 1/1000 live births
 Reduce Infant Mortality Rate (IMR) to 25/1000 live births
 Reduce Total Fertility Rate (TFR) to 2.1
 Prevention and reduction of anemia in women aged 15–49 years
 Reproductive, Maternal, Newborn, Child Health and Adolescent (RMNCH+A) Services
 Reduce household out-of-pocket expenditure on total health care expenditure
 Reduce annual incidence and mortality from Tuberculosis by half
 Reduce prevalence of Leprosy to <1/10000 population & incidence to zero
 Annual Malaria Incidence to be <1/1000
  Less than 1% microfilaria prevalence
 Kala-azar Elimination by 2015, <1 case per 10000 population in all blocks
National Rural Health Strategies:
Mission (NRHM)  Train and enhance capacity of Panchayat Raj Institutions (PRIs) to own, control and manage
 12 April 2005 public health services.
 Implementation:  Preparation and Implementation of an inter-sectoral District Health Plan prepared by the
Mission Steering District Health Mission, including drinking water, sanitation & hygiene and nutrition.
Group (MSG) headed  Integrating vertical Health and Family Welfare programmes at National, State, Block, and
by the Union Minister District levels
for Health & Family  Promote access to improved healthcare at household level through the female health activist
Welfare and an (ASHA).
Empowered  Strengthening sub-centre through an untied fund to enable local planning and action and more
Programme Multi-Purpose Workers (MPWs)
Committee (EPC)  Regulation of Private Sector including the informal rural practitioners to ensure availability of
headed by the Union quality service to citizens at reasonable cost
Secretary for Health  Promotion of Public Private Partnerships for achieving public health goals
& FW. At the State  Developing capacities for preventive health care at all levels for promoting healthy life styles,
level – State Health reduction in consumption of tobacco and alcohol etc
Mission  Promoting non-profit sector particularly in under-served areas
 Mainstreaming AYUSH – revitalizing local health traditions
 Reorienting medical education to support rural health issues including regulation of Medical
care and Medical Ethics
National Urban Health Mission – 1 May 2013
 Strengthening the primary health care delivery systems in urban areas and for providing equitable and quality primary health
care services to the urban population – focus on urban poor/unorganized sector labourers/self-employed
 Covers all cities and towns with more than 50,000 population and district headquarters and State headquarters with more
than 30,000 population (Others under NRHM)
 1 Urban PHC should exist for approx. 30,000 to 50,000 urban population
 Linkage of urban Ayushman Arogya Mandir
 Implemented through State Health Department or the Urban Local Bodies (ULBs)
Affordable medicine
NAME AND ABOUT
Pradhan Mantri Bharatiya
Janaushadhi Pariyojana (PM-
BJP)
 Sept 2015
 By Pharmaceuticals &
Medical Devices Bureau
of India (PMBI) – Ministry
of Chemicals and
Fertilizers
AMRIT (Affordable Medicines
and Reliable Implants for
Treatment)
 2015
 Implemented through
PSU – HLL Lifecare Ltd
Food and nutrition
PM POshan SHAkti Nirman (PM POSHAN)
 MoE
 Earlier Mid-day Meal Scheme
 2021-22 to 2025-26
 C ₹ 54,061.73 cr
One Nation One Ration Card (ONORC)
 2018
 Dept of Food & Supplies and Consumer
Affairs
OBJECTIVES BENEFITS
 Access to quality medicines for all  Max. 50% of average price of
 Create awareness about generic medicines top 3 branded medicines
through education and publicity to counter the  1759 drugs and 280 surgical
perception that quality is synonymous with high instruments
price  Sanitary pads at ₹ 1
 Extend coverage of quality generic medicines to  Janaushadhi week – Mar 1
reduce out-of-pocket expenditure on medicines to 7 – awareness about the
 Employment generation via setting PM-BJP usage of generic medicines
kendras and the benefits of
 At least one Janaushadhi Store in each District Janaushadhi Pariyojana
To provide medicines for various
diseases including critical illness
like cancer and cardiovascular
diseases at highly subsidized rates
to the public
 Material cost (cost of procurement of pulses, vegetables, oil, condiments
and fuel) enhanced to ₹ 5.45 and ₹ 8.17 per child per day in primary
upper primary
 Set up School Nutrition (Kitchen) Gardens (SNGs)
 Cooking Competition for promoting a Variety Menu and use of locally
available vegetables
 Health check-ups under Rashtriya Bal Swasthya Karyakram (RBSK)
 Under the National Food Security Act, 2013 (NFSA)
 Inter-State and intra-State (inter-district / intra-district) portability of
ration cards
 Mera Ration app
PM’s Overarching  Children (0-6)  Maternal Nutrition  Schemes: Anganwadi Services, Scheme
Scheme for Holistic  Adolescent  Infant and Young Child for Adolescent Girls and Poshan
Nutrition (POSHAN) Girls (14-18) Feeding Norms Abhiyaan
Abhiyaan 2.0  Pregnant  Treatment of MAM/SAM  Supplementary Nutrition Programme
 National Women  Wellness through AYUSH (SNP) in Aspirational Districts and NE
Nutritional Mission  Lactating  Early Childhood Care and Education [3-
 MoW&CD Mothers 315 districts in 2017-18, 235 6 years]and early stimulation for (0-3
 8 Mar 2018 districts in 2018-19 & years)
 ₹ 9046.17 cr remaining in 2019-20 – about  Anganwadi Infrastructure including
10 cr beneficiaries modern, upgraded Saksham Anganwadi
 POSHAN Vatikas (kitchen gardens and
nutri-gardens)
 Poshan Tracker through National e-
Governance Division – linked with the
RCH Portal (Anmol) of MoH&FW
 Prevention of diseases and promotion of
wellness through Yoga
 Focus on millets and locally available
nutritious food for ensuring adequate
nutrition
 Region-wise diet charts developed for
pregnant women
 Use of AYUSH formulations to address
conditions like anemia
Mission Utkarsh Girls aged 14-18  Anaemia Mukt Bharat  Ph 1: Assam (Dhubri), Chhattisgarh
 Ministry of Ayush years in anaemia-  Approx. 95,000 (Bastar), Jharkhand (Paschimi
and Ministry of prone districts adoloscent girls Singhbhum), Maharashtra (Gadchiroli),
Women and Child (average prevalence and Rajasthan (Dhaulpur)
Development of anaemia approx
69.5%)

Under MoW&CD:

 Poshan Bhi, Padhai Bhi (PBPB): Upgrade mini Anganwadi Centres to main Anganwadi Centres - (i) promoting early
stimulation for the first 1000 days and ECCE for children 3-6 years of age (ii) developing ECCE understanding of Anganwadi
 Workers (iii) emphasizing developmental domains (socio-emotional-ethical, physical and motor, cognitive, etc.), and the
development of Foundational Literacy and Numeracy (iv). reinforcing nutrition knowledge of Angandwadi Workers
 Strengthening Anganwadi workers with training and required devices
 Launch of Anganwadi-cum-Creche (Palna)
 Protocol for Management of Malnutrition at community level (CMAM Protocol): Identification and management of
malnourished children at the Anganwadi level (decision-making for referral, nutritional management and follow-up care)

Hygiene
Swachch Bharat Mission
Objectives: Components:
 Eliminate open defecation
 Conversion of insanitary toilets to pour flush toilets
 Eradication of manual scavenging
 100% collection and scientific processing/disposal reuse/recycle
of Municipal Solid Waste
 To bring about a behavioral change in people regarding healthy
sanitation practices
 Generate awareness among the citizens about sanitation and its
linkages with public health
 Strengthening of urban local bodies to design, execute and
operate systems
 To create enabling environment for private sector participation in
Capital Expenditure and Operation & Maintenance (O&M) costs
SBM(G) Phase-II Feb 2020 - ₹ 1.40,881 cr SBM(U) Phase II
 Focus: Open Defecation Free (ODF)
 Access to toilets to any left-out households and newly emerged
households by the construction of IHHLs and CSC
 Financial support of ₹ 12 K for APL and BPL Rural households
including storage for handwashing and cleaning of the toilet
 Biodegradable waste management through composting and
biogas plants (GOBAR-DHAN)
 Collection, segregation and storage facilities and setting up of
plastic waste management units/material recovery centres for
 Construction of Household Toilets
 Community and Public Toilets
 Solid Waste Management
 Information, Education & Communication (IEC)
and Public Awareness
 Capacity Building and Administrative & Office
Expenses (A&OE)
 Swachhata Hi Seva 2023
 Fortnight-long Cleanliness Drives (Ministers, civil
workers, etc.,)
 Indian Swachhata League 2.0 (youth-led cleaning
beaches, hills, and tourist places)
 SafaiMitra Suraksha Shivir (welfare camps)
 Goal: All cities “garbage-free cities” by 1 Oct 2026,
while maintaining open-defecation free (ODF)
status
 SMART framework – Single metric, Measurable,
Achievable, Rigorous verification mechanism and
Targeted
 Central Fin assistance for,
 Setting up of Sewage Treatment Plants(STPs)/STP-
cum-Fecal Sludge Treatment Plants FSTP; for used
 plastic waste management.Construction of soak pits, waste
stabilisation ponds, DEWATS, etc. for greywater management
 Faecal sludge management through co-treatment in existing
Sewage Treatment Plants/Faecal Sludge Treatment Plants
(STPs/FSTPs) in nearby urban areas and setting up of FSTPs
 Decentralised operation and maintenance of community
sanitation assets in rural by Gram Panchayats
 IEC and special campaigns
 Swachh Survekshan Grameen (SSG) Phase-II
 Others: Das ka Dam Swachhata har dam, Swachhata Filmon ka
Amrit Mahotsav, Start-up Grand Challenge, Capacity Building
Initiatives, Swachhata Action Plan (SAP) and Swachh Iconic
Places (SIP)
water treatment
 Laying Interception and Diversion (I&D) structures
including provision of pumping stations and
pumping main/gravity main upto STP
 Procuring adequate numbers of septic tank
desludging equipments
 Deploying Digital (IT enabled) tools for real time
monitoring of efficiency parameters during the
operational phase of STPs and allied equipments

Note:
National Health Mission
Health system Reproductive-Maternal- Neonatal- Communicable and Non-Communicable Diseases
strengthening in rural & Child and Adolescent Health
urban areas (RMNCH+A)
 Ayushman Bharat:  New-born Action Plan  National Sickle Cell Anaemia Elimination Mission
(1) Strengthening  Janani Shishu Suraksha  Integrated Disease Surveillance Programme (IDSP)
Primary health care Karyakaram (JSSK)  Revised National Tuberculosis Control Programme (RNTCP)
structures i.e.  Rashtriya Kishor Swasthya  National Leprosy Eradication Programme (NLEP)
Ayushman Arogya Karyakram(RKSK)  National Vector Borne Disease Control Programme (NVBDCP)
Mandir (2) PM Jan  Rashtriya Bal Swasthya  National AIDS Control Programme (NACP)
Arogya Yojana [PM- Karyakram (RBSK)  Pulse Polio Programme
JAY] (3) Ayushman  Universal Immunisation  National Viral Hepatitis Control Program (NVHCP)
Bharat Health Programme  National Rabies Control Programme
Infrastructure  Mission Indradhanush (MI)  National Programme on Containment of Anti-Microbial
Scheme (PM-  Janani Suraksha Yojana (JSY) Resistance (AMR)
ABHIM)  Pradhan Mantri Surakshit  National Tobacco Control Programme(NTCP)
 PM Swasthya Matritva Abhiyan (PMSMA)  National Programme for Prevention and Control of Cancer,
Suraksha Yojana  Navjaat Shishu Suraksha Diabetes, Cardiovascular Diseases & Stroke (NPCDCS)
(PM-SSY): Karyakram (NSSK)  National Programme for Control Treatment of Occupational
Strengthening  National Programme for Family Diseases
tertiary healthcare
 system in medical planning  National Programme for Prevention & Control of Deafness (NPPCD)
education  LaQshya‟ programme (Labour  National Mental Health Programme
Room Quality Improvement  National Programme for Control of Blindness & Visual
Initiative) Impairment (NPCB&VI)
 Pradhan Mantri National Dialysis Programme (PMNDP)
 National Programme for Health Care for the Elderly (NPHCE)
 National Programme for Prevention & Management of Burn
Injuries (NPPMBI)
 National Oral Health programme

Others:
AYUSH

 MoU with Council of Medical Research (ICMR) – promote and collaborate on Integrative Health Research
 MoU with India Tourism Development Corporation – promotion of Medical Value Travel in Ayush sector
 Project Collaboration Agreement with WHO – formulation of a global strategy for standards, quality, safety, and effectiveness
of traditional and complementary medicines
 Talking Group (TG) for AI for traditional medicine under Focus Group on Artificial Intelligence for Health (FG-AI4H) at
W.H.O/ITU-Focus Group on AI in Health
 AyurTech center at IIT Jodhpur
 Central Council for Research in Ayurvedic Sciences with Lady Hardinge Medical College and Hospital for an integrated
medicine centre
 Inclusion of Ayush Morbidly and standardized codes in 2nd Module of Traditional Medicine Chapter of ICD-11
 Introduction of Ayush Visa (category AY) for treatment under Ayush System / Indian System of Medicines
 Release of report “ISO/TR 4421:2023 Health informatics- Introduction to Ayurveda informatics” by International
Organization for Standardization (ISO)
 Trade interest of ₹590 cr during B2B meeting in SCO

MoH&FW:

 Ayushman Bhava initiative: Ensuring the saturation of various healthcare schemes at the village level
 Under Ayushman Bharat: Creation of 1,50,000 Ayushman Arogya Mandir (earlier Health and Wellness Centres [AB-HWCs]),
upgrading Sub Health Centres (SHCs) and rural and urban PHCs - to provide Comprehensive Primary Health Care (CPHC)
 Intensified Mission Indradhanush (IMI) 5.0: Vaccination campaign for children up to 5 years of age & pregnant women who
were left out or dropped out of routine immunization
 Nikshay Poshan Yojana (NPY): Apr 2018 - Rs 500/month as DBT to support the nutrition of TB patients for the entire
duration of treatment
 In 2020, Budgam in J&K declared as the first district in the country to achieve more than an 80% reduction in TB incidence.
 Sampoorna Suraksha Kendras (SSK): For HIV patients
 Mothers‟ Absolute Affection (MAA) to improve breastfeeding coverage
 Social Awareness and Actions to Neutralize Pneumonia Successfully (SAANS)
 MusQan: 17 Sept 2021 – Quality improvement initiative of Child Health services in PHCs
 Pradhan Mantri Swasthya Suraksha Yojana (PM-SSY): Creation of tertiary healthcare capacity in medical education,
research and clinical care, in the underserved areas of the country – Components: (1) Setting up of AIIMS (2) Upgrading
existing Government Medical Colleges / Institutions (GMCIs)
 Rashtriya Bal Swasthya Karyakram (RBSK): Screening of children from birth to 18 years of age for 4 Ds – Defects at birth,
Diseases, Deficiencies and Development delays – 32 common health conditions for early detection and free treatment and
management, including surgeries at tertiary level – Convergence with MoW&CD for screening 0-6 years children and with
MoE for screening children in Govt/Govt-aided schools.
 Navjat Sishu Suraksha Karyakaram (NSSK): 2-days classroom and hands-on training for health personnel in basic newborn
care and resuscitation
 Maternal Perinatal Child Death Surveillance Response (MPCDSR) software launched in 2021
 Mission Parivar Vikas (MPV): 2016 – Districts with Total Fertility Rate (TFR) of 3 – high focus States UP, MP, Bihar,
Rajasthan, Chhattisgarh, Jharkhand and Assam.
 Ayushman Bharat Digital Mission-ABDM: Creation of longitudinal electronic health records across the health spectrum for
citizens, make healthcare accessible for citizens, reduce the cost of care and enable greater efficiencies in health service
delivery
 eSanjeevani: National Telemedicine Service – doctor-to-doctor consultation and patient-to-doctor consultation
 i-Drone project: transport vaccines and medical supplies in the challenging terrains of the North Eastern States and
Himachal Pradesh
 State Food Safety Index: By FSSAI – Large states ranks Kerala, Punjab and Tamil Nadu – Smaller States ranks Goa,
Manipur and Sikkim – UTs rank J&K, Delhi and Chandigarh
 Global Food Regulators Summit 2023 by FSSAI – launch of “SaNGRAH – Safe food for Nations: Global food Regulatory
Authorities Handbook”
 HUMAN CAPITAL DEVELOPMENT / SUPPORT

School education
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
PM ScHools for  Through the  To create an inclusive and  Curriculum / courses based on industry
Rising India (PM existing welcoming atmosphere for every requirements
SHRI Schools) administrativ student, ensuring their well-being  Internship / entrepreneurship
 MoE e structure and providing a secure and opportunities especially with local
 ₹ 27360 cr available for enriching learning environment industry
(C ₹ 18128 cr) Samagra  To offer a diverse range of  Early Childhood Care and Education
 2022-23 to Shiksha, KVS learning experiences and ensure with Balvatika & Foundational Literacy
2026-27 & NVS access to good physical and Numeracy
infrastructure and appropriate  Provision of safe and appropriate infra
resources for all students for girls & children with special needs
 Flexibility in choice of subjects offered
Target: To establish over 14,500 PM  Encouraging mother tongue / local
SHRI Schools – 20 L direct beneficiaries languages as medium of instruction
using technological interventions
 Annual grants for Library, Sports, etc.,
 ICT, smart classrooms and digital
libraries , Science Labs
 Green School initiatives
 Convergence with existing schemes
/PRIs / ULBs and community
participation
Strengthening Himachal Pradesh, National component:  National Assessment Center (PARAKH):
Teaching-Learning Rajasthan, Kerala,  Strengthen data systems of MoE Leverage best practices in states to be on
and Results for States Maharashtra, MP,  Incentivize States with State portals like DISHA and Shagun
(STARS) Odisha Incentive Grants to improve their  Contingency Emergency Response
 Department of Performance Grading Index (PGI) Component (CERC): Facilitating remote
School State component: learning during disasters/damage
Education and  Strengthening Early Childhood
Literacy Education and Foundational
 23 Feb 2021 Learning
 Up to 2024-25
  Rs 5718 cr  Improving Learning Assessment
(World Bank: $ Systems
500 million i.e.  Strengthening classroom
approx. ₹ 3700 instruction and remediation
crore) through teacher development and
school leadership
 Governance and Decentralized
Management for Improved Service
Delivery.
 Strengthening Vocational
education in schools through
mainstreaming, career guidance
and counselling, internships and
coverage of out-of-school children
National Initiative for  Approx. 42 L To improve learning outcomes at the  NISHTHA-Online on 6 Oct 2020 for
School Heads’ and elementary Elementary level through an Integrated pandemic learning
Teachers’ Holistic teachers, Teacher Training Programme  Extended to Foundational Literacy and
Advancement school Numeracy and secondary level, for Pre-
(NISHTHA) Heads, primary, Primary and Secondary level
 21 Aug 2019 SCERT teachers in 2021-22
 Department of faculty,  NISHTHA 2.0: 29 July 2021 - online on
School District DIKSHA (Digital Infrastructure for
Education and Institutes for Knowledge Sharing ) - 10 L secondary /
Literacy Education & senior secondary teachers - 13 Online
Training Courses with 12 Generic modules and 56
(DIET), Block subject specific modules by NCERT
Resource  NISHTHA 3.0: 7 Sept 2021 – on DIKSHA
Coordinators – 25 L teachers/school heads of KG to V
& Cluster – Foundational Literacy & Numeracy –
Resource 12 online modules by NCERT as per
Coordinators National Initiative for Proficiency in
 CBSE, KVS, Reading with Understanding &
NVS, AEES, Numeracy (NIPUN Bharat) Mission
Sainik  Extended to Numeracy and Early
School, CTSA Childhood Care and Education (ECCE)
& CICSE for training of master trainers
National Means-cum- To award scholarships to meritorious ₹ 12000 per annum amount – 1 L scholarships
Merit Scholarship students of economically weaker to selected students of class IX every year and
Scheme sections to arrest their dropout at class their continuation / renewal in classes X to XII
 On National VIII and encourage them to continue for study in State Govt, Govt-aided and Local
Scholarship their education at secondary stage body school
Portal (NSP)
National Mission for Mentoring (NMM)  To create a large pool of outstanding professionals willing to provide professional
 29 July 2022 in selected 30 Central and personal support to school teachers across the country and ensure their
Schools (15 KVs, 10 JNVs, and 5 continuous professional development
CBSE)  To create a network of mentors who will guide and support teachers in developing
 Para 15.11 of the National Education the necessary 21st-century skills, enabling teachers to stay updated and relevant in
Policy (NEP 2020) today's dynamic educational landscape

Holistic education
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Understanding of 15 years and above To enable increased  Online Teaching, Learning and Assessment System
Lifelong Learning for from all backgrounds access of resources, (OTLAS)
All in Society (ULLAS) with no schooling online modules  Focus on Foundational Literacy and Numeracy, Critical
– Nav Bharat covering the entire Life Skills, Basic Education, Vocational Skills and
Saaksharta gamut of adult Continuing Education
Karyakram education will be  Volunteer teachers: students from schools, Higher
 ₹ 1037.90 cr introduced Education Institutions under UGC, Teacher Education
[ C 700 cr ; S 338 cr] Institutions under NCTE, and all literate individuals like
 2022-23 to Target: 1 crore those from NYSK, NSS, NCC, CSOs, community
2026-27 learners per year members, housewives, Anganwadi workers, and teachers
 Tagline: Jan  Usage of DIKSHA platform of NCERT
JanSakshar  Credit scores provided to colleges for teaching the non-
literates
 MoU with National Institute of Open Schooling (NIOS)
PM e-Vidya Unifies all efforts  DIKSHA: providing quality e-content for school education in States/UTs and QR
 17 May 2020 related to coded Energized Textbooks for all grades (one nation, one digital platform)
 Department of digital/online/on-air  SATHEE: To assist students preparing for competitive exams across the country
School education education to enable – IIT Kanpur
 Part of Atma multi-mode access for  IITPAL: IIT Professor Assisted Learning- lectures prepared by IIT Professors for
imparting education
 Nirbhar Bharat by using technology to JEE and NEET
Abhiyaan minimise learning  E-Abhyas: JEE/NEET testing practice by National Testing Agency
Won UNESCO’s King losses  SWAYAM portal
Hamad Bin Isa Al-  SWAYAM PRABHA DTH channels: Accessed through DD, Dish TV and Jio TV
Khalifa Prize for the Target: 25 cr school- app, one channel for each from Class 1 to 12
Use of ICT in Education going students  Special e-content for visually and hearing impaired developed on Digitally
for 2021 Accessible Information System (DAISY) and in sign language
 Extensive use of Radio, Community radio and Podcasts
 Establish Skilling labs and virtual lab

Samagra Shiksha Abhiyan

Objectives:  Launched 2018 Merged sub-
 Support States/UTs to implement NEP & RTE  Revised Samagra Shiksha Scheme: 2021-22 to schemes:
 Early Childhood Care and Education 2025-26 - ₹2,94,283.04 cr (C ₹1,85,398.32 cr) +  Sarva Shiksha
 Foundational Literacy and Numeracy ADB: $500 million and World Bank: $500 million Abhiyan (SSA)
 Holistic, Integrated, Inclusive and activity  Direct outreach of the scheme by providing child  Rashtriya
based Curriculum and Pedagogy to impart 21st centric interventions directly to the students Madhyamik
century skills among the students through DBT mode Shiksha
 Bridging Social and Gender Gaps in School  Financial assistance for States/ UTs to set up ICT Abhiyan
Education labs, smart classrooms including support for digital (RMSA)
 Strengthening and up-gradation of State boards, virtual classrooms and DTH channels  Teacher
Councils for Educational Research and  Non-recurring grant: Up to ₹ 6.4 L per school for Education (TE)
Training (SCERTs) / State Institutes of ICT Lab (OR)
Education and District Institutes for Education  Recurring grant of up to ₹ 2.4 L per school per
and Training (DIET) as nodal agency for annum for a period of 5 years (AND)
teacher training  Non-recurring grant of ₹ 2.4 L for Smart Class
 Ensuring safe, secure and conducive learning rooms (Max. 2 smart classrooms per school) (OR)
environment and maintenance of standards in  Recurring grant of ₹ 0.38 L
schooling provisions  FY2023–FY2027 – Assam, Gujarat, Jharkhand, TN
 Promoting vocational education and Uttarakhand for Accelerating State Education
Target: 11.6 L schools, over 15.6 cr students and 57 Program to Improve Results (results-based lending
L teachers of Govt. and Aided schools (KG-XII) [RBL] program in this scheme - ADB: $500 million
 Pre-Primary: Training of Master Trainers for training of Anganwadi workers and In-service teacher training for ECCE teachers
 National Mission on Foundational Literacy and Numeracy (NIPUN): Ensure that every child achieves competencies in reading,
writing and numeracy by end of grade III and not later than grade V
  Elementary level: Financial support for State Commission for Protection of Child Rights
 Secondary level: Universalization of access upto senior secondary level
 Addition of new subjects instead of Streams in existing senior secondary schools
 For out-of-school SC, ST, PwD children at 16 -19 years of age up to Rs 2000 per child per grade to complete their
secondary/senior secondary levels through NIOS / SOS
 Holistic Progress Card (HPC), support for activities of PARAKH,
 Additional Sports grant of upto ₹ 25000 to schools in case atleast 2 students of that school win a medal in Khelo India school
games at the National level, Bagless days, school complexes, internships with local artisans, curriculum reforms
 All KGBVs to be upgraded to class XII
 Enhanced financial support for existing Stand-alone Girls‟ Hostels for classes IX to XII (KGBV Type IV) of upto Rs 40 L per annum
 Provision of Incinerator and sanitary pad vending machines in all girls‟ hostels
 Training for 3 months for inculcating self-defence skills under „Rani Laxmibai Atma Raksha Prashikshan‟ with ₹ 5000 per month.
 Residential schools/hostels named Netaji Subhas Chandra Bose Avasiya Vidyalayas in hilly terrain, small and sparsely populated
areas for children without adult protection
 Enhanced emphasis on convergence with all Government depts/agencies undertaking development works for providing exposure
and internships to children on different vocations
 Screening of children with special needs through PRASHAST app
 Finalization of National Guidelines and Implementation Framework on Equitable and Inclusive Education (NGIFEIE)
 ₹ 25-50 lakh (recurring and nonrecurring) support to States for Assessment Cells
 Provision of ICT labs, Smart classrooms, Digital initiatives like UDISE+, Shagun
 Rashtriya Avishkar Abhiyan to promote Science and Maths learning in schools
 Support Padhe Bharat Badhe Bharat Programme to develop foundational skills at primary level
 Provision of library grants for every school ranging from ₹ 5000 to ₹ 20000
 National Achievement Survey and State Educational Achievement Survey (aligned with NEP) once every 3 years

Higher education / Research

NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Prime Minister  Wards / widows of Total: 5500 ₹2500 per month for boys and ₹3000 per month for
Scholarship Scheme Ex-servicemen /  2750 boys girls
 2019-20 ex-coast guard  2750 girls
 Dept of ex- killed / disabled in
servicemen service / recipient
Welfare, MoD of Gallantry Award
 60% and above in
10+2 / Diploma /
 Graduation
 Student admitted
in 1st year (except
Lateral Entry &
Integrated Course)
Scheme for Trans- (1) All disciplines up to 3
disciplinary Research years
for India’s Developing (2) All disciplines up to 3
Economy’ (STRIDE) years
 Under UGC (3) Philosophy, History,
Archaeology,
Anthropology, Psych,
Liberal Arts, Linguistics,
Indian Lang & Culture,
Indian Knowledge
Systems, Law, Edu,
Journo, Mass Comm.,
Commerce, Mgmt, Envi &
Sustainable Development
up to 5 years
Innovation In (1) Top 1% students in
Science Pursuit For Class X Boards - 16-17
Inspired Research years
(INSPIRE) (2) Top 1% students in
Class XII Boards + top
10000 performers in IIT-
JEE + other national
exams - 17-22 years
(3) INSPIRE-SHE
Scholars with 70% marks
in M.Sc. + M.Sc. Toppers
with min 70% marks -
22-27 years
(4) Ph.D. holders - 27-32
years
Strengthen research culture
and innovation in colleges
and Universities with focus
on Humanities and Human
Sciences
Build the critical human
resource pool to strengthen
the science and technology
system and expand R&D
base
(1) Provide research capacity building in diverse
disciplines by mentoring, nurturing and supporting
young talents - grant upto 1 cr
(2) Enhance problem solving skills with help of
social innovation and action research - collab
between unis, Govt, voluntary organizations and
industries - grant upto 50 L
(3) High impact research projects in the identified
thrust areas inhumanities and human sciences
through national network of eminent scientists from
leading institutions - Rs 2 L for developing
proposals, up to 1 cr for one HEI and up to 5 cr for
multi institutional network
(1) INSPIRE Internship: 50,000 internships via 5-
day Camps
(2) Scholarship For Higher Education (SHE): 12,000
scholarships to study B.Sc. & M.Sc. (basic and
natural sciences) ₹ 60,000 p.a. scholarship and
mentorship grant ₹ 20,000 p.a.
(3) INSPIRE Fellowship: 1000 fellowships to pursue
Ph.D. in areas of S&T, Medicine, Agriculture,
Pharmacy and Veterinary Sciences
(4) INSPIRE Faculty Fellowship: 100 fellowships to
continue research in S&T, Medicine, Agriculture,
Pharmacy and Veterinary Sciences
SERB-Promoting Fellowship: female Reduce gender gap in  SERB-POWER fellowship: ₹ 15k per month in
Opportunities for researchers between 25 Science and Engineering addition to base pay; ₹ 10L for research
Women in to 55 for 3 yea₹ grants, ₹ 90k for overhead
Exploratory Research  SERB-POWER Research Grants: Upto 60L for
Scheme 3 years for Level I applicants (IITs, IISERs,
(SERB-POWER) IISc, NITs, Central Unis, National Labs) and
upto 30L for 3 years for Level II applicants
(State Unis, Colleges, Private academic
institutions)
Knowledge Enhancing opportunities in  Support to Women Universities for proper
Involvement in research / technology facilities in Science & Technology
Research development / technology  Women in Science and Engineering-KIRAN
Advancement demonstration / self- (WISE-KIRAN): Women scientists and
through Nurturing employment etc., technologists between the age group of 27-57
(KIRAN) years who had a break in their career but
 Dept of Science desired to return to mainstream
& Technology
 Rs 75 cr per
annum

PM Innovative 60 children chosen Science and performing arts Help students reach fullest potential
Learning Programme across the nation in students to be guided by
 DHRUV Classes 9 to 12 industry experts where each
 Launched by group will present a project
ISRO in a 14-day programme held

Unnat Bharat  Engage faculty & students of Higher Educational 13072 villages have been adopted by 2474
Abhiyan (UBA) Institutions in identifying development issues in Institutes
rural areas & finding sustainable solutions
 Identify & select existing innovative technologies,
enable customisation of technologies, or devise
implementation method for innovative solutions
 HEIs to contribute to devising systems for smooth
implementation of various Govt programmes
 Pradhan Mantri Uchchatar Shiksha Protsahan (PM-USP)

Modification of Rashtriya
Uchchatar Shiksha Abhiyan
(RUSA) 2013 in July 2023
Central Sector Interest Subsidy
Scheme for Education Loans
 Nodal bank: Canara Bank
 Education Loan taken from
the Scheduled Banks under
the Model Education Loan
Scheme of Indian Banks
Association
Central Sector Scheme Of
Scholarship For College And
University Students
 MERU Transformation: Supports 35 accredited state
facilitate multi-disciplinary education and research
 Establishing new model degree colleges
 Grants to strengthen universities
Annual parental income is up to ₹ 4.5 L from all
sources
Courses: Higher education in professional/
technical courses only from NAAC accredited
Institutions or professional/ technical programmes
accredited by NBA or Institutions of National
Importance or Centrally Funded Technical
Institutions (CFTIs)
 Students who are above 80th percentile in the
relevant stream in Class XII
 Pursuing regular degree courses at
colleges/institutions recognized by All India
Council for Technical Education and
respective Regulatory Bodies concerned
 Parental/family income upto ₹ 4.5 lakh per
annum
universities with Rs 100 cr each to
 Interest subsidy for max ₹ 10 L [even if
amount more than ₹ 10 L]
 No collateral or third-party guarantee
loans up to ₹ 7.5 L
 Interest payable on the Educational
Loan for the moratorium period
(Course Period + 1 year) borne by Govt
 82,000 scholarships per annum are
provided for pursuing UG/PG in
colleges and universities and
professional courses (Medical,
Engineering etc.,)
 number of scholarships are divided
amongst the State Education Boards
based on the State‟s population in the
age group of 18-25 years

Others:

 UMEED (Understand, Motivate, Manage, Empathize, Empower, Develop): NCERT‟s guidelines on prevention of suicide for
students/school-going children in consultation with CBSE, KVS and NVS
 Jaadui Pitara: a collection of Learning-Teaching Material – toys, puppets, charts, posters, cards, worksheets, etc. for
children in the age group of 3-8 years – launched on 20 Feb 2023
 Performance Assessment, Review, and Analysis of Knowledge for Holistic Development (PARAKH): Areas of work – Large
Scale Achievement Survey [conducted State Educational Achievement Survey (SEAS) on 3 Nov 2023 for grades 3, 6, 9],
Equivalence of School Boards [workshops] & Competency-based Assessment for Holistic Development [Holistic Progress
Card]
  Manodarpan: Under Atmanirbhar Bharat Abhiyan – 21 July 2020 – conferences – webpage – Live interactive session
„SAHYOG‟ with counsellors – toll-free number for tele-counselling – “Mantarang” a digi collection of activities taken
 Courses, research and capacity-building program on vocational education by Pandit Sunderlal Sharma Central Institute of
Vocational Education (PSSCIVE) – apex body
 National Bal Bhavan: 1956 – Providing non-formal education centre for children between the age group of 5 to 16 years
 Directorate General of Training (DGT) MoUs with Army, Navy and Airforce; National Institute of Open Schooling (NIOS);
National Institute for Entrepreneurship and Small BUsiness Development (NIESBUD); Microsoft India, Wadhwani
Foundation, Amazon Web Services (AWS), ETS India
 Research schemes: IMPRINT (Impacting Research Innovation and Technology), IMPRESS (Impactful Policy Research in Social
Science), SPARC (Scheme for Promotion of Academic and Research Collaboration)

Skill development
NAME AND ABOUT ELIGIBILITY OBJECTIVES
PM Kaushal Vikas STT: Those in need of
Yojana fresh skilling, re-skill /
 Dec 2020 upskill, out-of-education
 Currently 4.0 candidates, school /
for FY 2022-26 college dropouts /
unemployed between 15-
45 years
RPL: Those with prior
learning experience or
skills and willing to get
assessed and certified
between 15-45 yea₹
SP: Marginalized,
vulnerable groups, etc.
requiring special
attention or job-roles
with focus on future
skills between 18-59
years
BENEFITS
 Focus on New Age Training by
Skills – Industry  Pradhan Mantri Kaushal Kendras (PMKKs)/ Skill
4.0, Web 3.0, India Centres
AI/ML, AR/VR,  Industrial Training Institutes (ITIs)
Climate Change,  Jan Shikshan Sansthans (JSS)
Circular  National Skill Training Institutes (NSTIs)
Economy, Green  National Institute for Entrepreneurship and Small
Economy, and Business Development (NIESBUD)
Energy Transition  Indian Institute of Entrepreneurship (IIE)
 Enhance industry  Skill hubs (Govt / private schools / colleges / unis /
connect HEIs)
 Ensuring  NSDC International for international mobility related
availability of programs
trainers and
assessors for 4.0: 30 Skill India International Centres
efficient training Unified Skill India portal
and faster
assessment Short Term Training (STT):
 Flexibility in  Based on the National Skills Qualification
course curriculum Framework (NSQF) in accredited training centres
 Special attention to
aspirational, backward,
border, tribal and LWE
affected districts, skilling
requirements for other
countries
Deen Dayal Between ages 15 and 35
Upadhyaya Grameen with BPL card or BPL
Kaushalya Yojana PDS card or RSBY card
(DDU-GKY) or family member of SHG
 25 Sept 2014 or family member of
 Under „Special MGNREGA worker (who
Projects‟ has worked min 15 days
component of in last 12 months)
the
 “Learning by  300 – 600 hrs
doing” with On-  On job training
The-Job training  Duration of course: depends on job role
 Focus on online /  Placement / entrepreneurship / apprenticeship
digital / blended assistance provided to successful completion of
skilling for course.
effective learning, Recognition of Prior Learning (RPL):
convenience, and  Assessment process to evaluate an individual‟s
outreach existing skill set, knowledge and experience gained
 Delinking of either by formal or informal learning.
placement from  To align competencies of the pre-existing workforce of
skilling to a focus the country to the standardised NSQF
on  Candidates to get registered and certified
entrepreneurship Special Projects (SP):
Target:  Training projects for new skills not conducted
DBT: 47 L youth in 3 through STT
years  To create innovative, critical and practical projects
Progress: through placement linked and entrepreneurial skill
 1.0 (2015): 19.86 development training programmes
L Kaushal and Rozgar Mela:
 2.0 (2016): 1.10 cr  Social and community mobilization
 3.0 (2020): 3.37 L  Conducted by TPs every 6 months with media
 Crash Course coverage
COVID Warriors  Acts as placement assistance
(2021): 1.2 L
 Skill Hub
initiative: 1.97 L
Demand-driven  Imparting specific set of Modular Employable Skills
placement-linked skill (MES) needed to access full time jobs in formal sector
training  Face-to-face counselling and guidance
 Screening of skill and aptitude testing
 Training programs with curriculum as recommended
by NCVT (National Council for Vocational Training) or
as identified in the Qualification Packs (QPs) based
on NOS (National Occupational Standards) by the
respective SSCs (Sector Skills Council) of NSDC
 Swarnajayanti Reservation: SC/ST 50%, (National Skill Development Council)
Gram Minority 15%, Women  Enable the candidate to find a job that pays a
Swarozgar 33%, PwD 3% minimum salary of ₹ 6000/- per month
Yojana (SGSY) Upper age limit for  3-, 6-, 9-, 12-month courses along with On-the-Job
 MoRD women, PVTGs, PwDs, Training (OJT) for 1-, 2-, 3-, 4-months respectively
transgendered, victims of  Post-placement support of ₹ 1 K per month DBT for 2
traficking, manual months if placed within district, for 3 months if
scavengers, HIV+ people outside district, for 6 months if outside state in
etc., 45 years addition to salary
PM Vishwakarma Carpenter, Boat Maker, Strengthen family-based  Beneficiaries considered “entrepreneurs” in formal
 17 Sep 2023 Armourer, Blacksmith, practice of traditional MSME exosystem on Udyam Assist Platform
 ₹ 13K crore Hammer and Tool Kit skills  PM Vishwakarma certificate and ID card
 FY 2023-2024 Maker, Locksmith,  Basic Training of 5-7 days and Advanced Training of
to FY 2027-28 Goldsmith, Potter, 15 days or more, with a stipend of ₹ 500 per day
Sculptor, Stone breaker,  Toolkit incentive of upto ₹ 15,000 in the form of e-
Cobbler / Shoesmith / vouchers at the beginning of Basic Skill Training
Footwear artisan, Mason,  Collateral free „Enterprise Development Loans‟ of up
Basket / Mat / Broom to ₹ 3L: 1L (18 months – those who completed Basic
Maker / Coir Weaver, Training) and 2L (30 months – those who availed 1L,
Doll & Toy Maker maintained standard loan account, adopted digital
(Traditional), Barber, transactions and did Advanced Training) with 5% (till
Garland maker, 8%) interest
Washerman, Tailor,  ₹ 1 per digital transaction, upto maximum 100
Fishing Net Maker transactions monthly given for each digital pay-out
or receipt
 Marketing support in the form of quality certification,
branding, onboarding on e-commerce platforms such
as GeM, advertising, publicity and other marketing
activities
Skill Loan Scheme Admitted to course aligned to  Collateral-free loans
 July 2015 NSQF at, o Loans upto ₹ 50,000 - Upto 3 years
 ITIs o Loans between ₹ 50,000 to ₹ 1 lakh - Upto 5 years
 Polytechnics o Loans above ₹ 1 lakh - Upto 7 years
 School recognized by  Duration of Course – No minimum duration
Central/State Boards College  Rate of Interest – Base rate (MCLR) + add on typically up to 1.5%
affiliated to a recognized Uni  Moratorium – Duration of the course
 Training partners affiliated to  Repayment Period – Between 3 to 7 years basis the amount of loan
National Skill Development  Coverage – Course Fees (directly to the training institute) along with
Corporation (NSDC), Sector Skill expenses towards completion of the course (assessment, examination,
Councils, State Skill Mission, State study material, etc.,)
Skill Corporation  Credit guarantee under National Credit Guarantee Trust Company
(NCGTC)
Pradhan Mantri Youth, women, artisans To improve all-round (1) Up-skilling/Re-skilling
Dakshta Aur of SC, OBC (below 3 competency &  Vocation of practice - pottery, weaving, carpentry,
Kushalta Sampann LPA), EBC (below 1 LPA), adeptness of 2.7 lakh waste segregation, domestic workers, etc. with
Hitgrahi Yojana (PM DNT, transgender, Safai persons, over the next 5 financial and digital literacy
DAKSH) Karmachari and years, beginning with  Duration: 32 to 80 hours, spaced over up to one
 MoSJ&E dependents, geriatric nearly 0.5 lakh youth in month.
 2020-21 as part caregiver aged 18-45 with the first year i.e. 2021-  Training cost: Common Cost Norms
of a National X pass 22, from the following  Compensation of Wage loss: ₹ 2.5 K
Action Plan sections of the
(1) Training for rural (2) Short-Term Training Programme
Implemented by, artisans, domestic  Various job roles as per National Skill Qualification
 National workers, sanitation Framework (NSQF)/ National Occupational Standard
Scheduled workers etc. on the (NOS), issued by MSDE
Castes Finance  Focus on wage/self-employment opportunities with
& Development (3) SC and OBC youth financial and digital literacy
Corporation preferably undergone  Duration: Normally 200 hours to 600 hours and upto
(NSFDC) training under PMKVY & 6 months, as stipulated in National Occupational
 National with entrepreneurial Standards (NOS) and Qualification Packs (QPs).
Backward passion  Training cost (as per Common Cost Norms) and
Classes Finance stipend (non-residential training)
& Development Target group also
Corporation includes artisans and (3) Entrepreneurship Development Programme
(NBCFDC) women
 Curriculum modelled on the programmes of MoRD
 National Safai being implemented by the RSETIs
Karmacharis  Conducted by RSETIs, NIESBUD, IIE and other
Finance & similar organizations
Development  Sessions on Business Opportunity Guidance, Market
Corporation Survey, Working Capital and its Management,
(NSKFDC) Business Plan Preparation etc.,
 Duration: Normally 80-90 hours (10-15 days) or as
 stipulated by MoRD
 Training cost as per norms of MoRD / Common Cost
Norms (CCN)

(4) Long-Term Training Programmes

 Training as per NSQF, NCVT, AICTE, MSME etc. in
production technology, plastic processing, apparel
technology, health care sector, etc.,
 Duration: 5 months and above and usually up-to 1
year (upto 1000 hours), as stipulated by the
concerned board / regulatory body of the training
centre
 Training cost as per CCN or as stipulated by
concerned Board with stipend (non-residential
programmes)

Others:
 Stipend of ₹ 1 K – 1.5 K / month each trainee with
attendance above 80% in Short and Long-term
program
 Wage compensation ₹ 3 K per trainee (₹ 2.5 K as per
PM-DAKSH and ₹ 500 as per Common Cost Norms
for trainees having 80% and above attendance) in
Reskilling / Up-skilling
 Placement after training
Skill Acquisition and  Institutional  Strengthening of District Skill Committees for improved access to and demand
Knowledge Strengthening at driven skill trainings for employment
Awareness for Central, State, and  Emphasis on skill certification in Recognition of Prior Learning (RPL) at Gram
Livelihood District level Panchayat level
Promotion  Quality Assurance Project Amber
(SANKALP) of skill  National Skill Development Corporation (NSDC), Generation India Foundation
 19 Jan 2018 development (GIF), Amazon Web Services India Pvt Ltd (AWS India)
 Total USD 675 programs  Improve gender diversification in the tech industry and underprivileged groups
M – USD 500 M  Inclusion of amongst 30,000 youth (50% women)
from World marginalized  AWS (re/Start): workforce development program that covers fundamental AWS
 Bank population in skill cloud skills, practical career tips, including resume writing and interview
 Implementation development preparation
till March 2023 programs  Cost for learners to take the AWS Cloud Practitioner Certification exam covered
Mahatma Gandhi National Fellowship (MGNF) 2.0: 12 Oct 2021 - support the District
Skill Committees in the formulation of the District Skill Development Plans during
their two-year fellowship, awarded to them in partnership with 9 IIMs - empower
District Skill Committees in the formulation and implementation of District Skill
Development Plans (DSDP)
AVSAR Project: To facilitate skill training for women in the apparel sector - MSDE,
National Skill Development Corporation (NSDC) with Amrita Vishwa Vidyapeetham -
certify 4500 women from SHGs and transgenders in vocational courses under
SANKALP
Skills Strengthening for Industrial Value  Better ITI performance
Enhancement (STRIVE)  Increased Capacity of State Govts to support ITIs & Apprenticeship Training
 19 Dec 2017  Improved Teaching & Learning
 ₹ 2200 cr (half by IBRD i.e. World Bank)  Improved & Broadened Apprenticeship Training
 Till Nov 2022

Entrepreneurship  All including SC,  To promote new  Advance entrepreneurship & management training in
and Skill ST, BPL, Women enterprises of the domain of e-commerce, BPO, Software, Biotech,
Development PwD, Ex- and build capacity Agri & Animal Husbandry and processing, Drug
Programme (ESDP) Servicemen of existing MSMEs Discovery, Genomics, Tech. acquisition from premier
 40% beneficiaries – Implementing lab like BARC / CSIR / DRDO, etc. with help of IIMs
 2021-22 to SC / ST / Women Agencies (IAs) / IITs / ICAR / CSIR / NIT / Administrative Training
2025-26 - ₹ / PwDs – no entrusted with the Institutes (ATIs), post harvesting and Food
495 cr participation fees task of Udyam Processing institutes, Engineering Institutes, etc.,
Registration  Entrepreneurship Awareness Programme (EAP)
 To support  Entrepreneurship-cum-Skill Development
MBA/Engineering Programme (E-SDP)
students by  Advanced E-SDP
providing  Management Development Programmes (MDP)
opportunity for  Advanced MDP
Vocational
Training and in
depth study
Pradhan Mantri Assam, Bihar, Telangana,  To create an  Develop and deliver entrepreneurship education to
Yuva Udyamita Meghalaya, West Bengal, enabling all citizens free of charge through Massive Open
Vikas Abhiyan (PM Kerala, Maharashtra, ecosystem for Online Courses (MOOCs) and other online
YUVA) Delhi, Tamil Nadu, Entrepreneurship programmes accessible through a Learning
 2016-17 to Puducherry, Uttar Development Management System (LMS)
2020-21 Pradesh and through  Design an assessment and certification mechanism
 ₹ 499.94 cr Uttarakhand entrepreneurship  Promotion of social entrepreneurship
education and  Create a web-based platform for peer-to-peer
training in ITIs, connections for entrepreneurs networking and
National Skill investors, financial institutions and business
Training services such as legal, accounting, technology and
Institutes (NSTIs), HR services
PMKKs,  Set up a national mentor network
Polytechnics, Jan  Establish a National Entrepreneurship Resource and
Shikshan Coordination Hub to coordinate and support
Sansthan (JSS) entrepreneurship development programmes and
 To create 600 new Regional, Nodal, and Entrepreneurship Hubs to
and 1000 scale- coordinate programmes at all levels
up enterprises  Develop a cloud-based Management Information
 7 L students in 5 System that tracks entrepreneurs, training institutes
years (Project Institutes), faculty, students and outcomes
FutureSkills Prime Incentive Program  DeepSkilling – Free Pathway: ₹1,000 incentive for successful completion/certification
 MeitY – NASSCOM and reimbursement of ₹600 for every successful certification (up to ₹8,000) if user
learns next course with fees greater than or equal to ₹1,000
 DeepSkilling – Paid Pathway: Incentive of 50% of course fee (up to ₹8,000) and
reimbursement of ₹600 for every successful certification (up to ₹8,000).
 Bridge Courses: Incentive of 50% of course fee (up to ₹3,000) and reimbursement of
₹600 for every successful certification (up to ₹3,000)
 Foundation Courses: Incentive of 50% of course fee (up to ₹3,000) and reimbursement
of ₹600 for every successful certification (up to ₹3,000)
 Maximum Incentive: ₹12,000 (subject to specific conditions in the respective course
categories) and incentive can be availed only once for each course.
Skill India Schemes:
 2015  Pradhan Mantri Kaushal Vikas Yojana (PM-KVY)
 The Ministry of Skill Development  National Apprenticeship Promotion Scheme (NAPS)
and Entrepreneurship (MSDE),
 National Skill Development
Corporation (NSDC) and Sector Skill
Councils (SSCs)
 Jan Shikshan Sansthan (JSS): vocational training to SC, ST, minorities
 Incorporation of vocational education programmes into mainstream education
 Pradhan Mantri YUVA (PM-YUVA) Yojana
 Skills Acquisition and Knowledge Awareness for Livelihood Promotion (SANKALP)
 PM Vishwakarma
 SAKSHAM (Shramik Shakti Manch) – Feb 2021 – Technology Information, Forecasting
and Assessment Council (TIFAC) – work portal for mapping skills of „Shramiks‟ (labour)
for demand from MSMEs for better alignment and placement of 10L blue-collared
positions

Others:

 ITIs to run drone-related courses

 Mainstream Aspirational Districts through Skill Development through District Skill Development Plan (DSDP): Mapping of
skill profile of the district  Appraisal of District Skill ecosystem  Identifying district specific Challenges and Potential
areas of support required in the district  Development of District Skill Development Plan through consultation process 
Implementation support for the work plan to the districts
 Integrated Skill Development Scheme (ISDS): To address the trained manpower needs of textiles and related segments
including Handicrafts, Handlooms, Sericulture, Jute, Technical Textiles etc., - Ministry of Textiles

Employment
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
MGNREGA  Adult members of Legal guarantee for 100 days of  Gram Panchayat to allocate job card upon
 2005 rural households employment in every financial verifying details
 MoRD  Roughly one-third to year to adult members of any  Gram Sabhas to recommend the works that
 Active workers: be women (59.25% rural household willing to do are to be undertaken and at least 50% of
14.32 cr (2023- as per Dec‟23) public work-related unskilled the works to be executed by Gram Sabhas
24) manual work at the statutory  CPI-AL used to revise wages
minimum wage  Any rural adult to get work within 15 days
of demanding it, if not, “unemployment
allowance”
 Employment provided within a radius of 5
km, extra wage paid if above
  Wage disbursement of daily wages on
weekly basis (max fortnight)
Aatmanirbhar  Employee with less than ₹ 15000/- GoI for 2 years crediting both the employee‟s share and employer‟s
Bharat Rojgar per month who was not working in share (both 12% of wages) of contribution payable or only the
Yojana (ABRY) any firm registered with EPFO before employee‟s share, depending on employment strength of the EPFO
 1 Oct 2020 1 Oct 2020 registered establishments
 MoL&E EPF member Universal Account Number
 ₹ 22810 cr from (UAN) drawing less than ₹ 15000 per month Pradhan Mantri Rojgar Protsahan Yojana (PMRPY)
2020 to 2023 who exited work during COVID-19 from 1  Since 2016
 Part of Mar-30 Sept 2020 & did not join  No specific criteria given for employees
Atmanirbhar employment in any EPF covered  Same process but for general incentivization of employers to
Bharat package establishment up to 30 Sept 2020 create new employment and bring unorganized into formal
3.0 sector
Incentivizing employers for employment  Beneficiaries registered upto 31 Mar 2019 to continue
with social security benefits & restoration receiving benefits for 3 years
of loss of employment during COVID-19
Atal Bimit Vyakti Insured Person (IP) i.e. ESI in insurable  Rate of relief: 50% of average daily earnings of the claimant
Kalyan Yojana employment for min. 2 years – should not during the previous four contribution periods (total earning
 MoL&E have contributed for less than 78 days in during the four contribution period/730) to be paid up to
contribution period immediately before maximum 90 days of unemployment once in lifetime of the
unemployment & min. 78 days in 1 of IP on submission of claim in form of an Affidavit
remaining 3 contribution periods in 2 years  Waiting period for claim: 30 days
prior to unemployment
National  Ages 14 - 18 for  To develop skilled Designated Trades (DT):
Apprenticeship designated trades workforce for the  In any trade or occupation or any subject
Promotion Scheme- related to hazardous economy by promotion of field in engineering or non-engineering or
2 (NAPS-2) industries on-the-job experiential technology or any vocational course as
 MSDE  Transition from training approved by Govt after consultation with
 19 Aug 2016 academia to  To encourage Central Apprenticeship Council (CAC)
 FY2022-23 to workplace, and establishments to enroll  1 year if candidate ITI passout
FY2025-26 therefore, to avail apprentices by sharing  2 years if fresher non-ITI passout
partial stipend partial stipend support to Optional Trades (OT):
support by the Govt the apprentices  In any trade or occupation or any subject
- max 35 years  To provide up-skilling field in engineering or non-engineering or
 Candidates from opportunities for technology or any vocational course as
DDUGKY, NULM, candidates who have determined by the employer.
 PMKVY, etc. undergone short-term  2 weeks basic training before induction to
encouraged skill training offered by On-Job-Training
various Central and State  Can be 6, 9 and 12 months - can exceed 1
Government initiatives year with MSDE approval
 To encourage enrolment Common:
of apprentices in MSMEs,  DBT of 25% of stipend paid, max. Rs 1.5 K
and those located in the per month per apprentice
underserved areas such  On completion of, candidates allowed
as aspirational districts registration on the National Career Service
and North-East Region. (NCS) portal of Ministry of Labour and
Employment
Target: 46 L apprentices
National  Graduate, Graduate Sandwich,  On-the-Job-Training based skilling opportunities from 6
Apprenticeship Technician, Technician Sandwich, months to 1 year via NATS 2.0 Portal
Training Scheme Technician Vocational  50% of stipend amount reimbursable to the employer from
 MoE Disciplines: Technical, Engg, Comm, Arts, Govt
Mgmt, Humanities  Apprenticeship Fairs conducted by Board of Apprenticeship
Training (BOAT) regional offices conduct and organize
Sahakar Mitra Pursuing or  Offer professional graduates chance for thorough Maximum 60 interns at one time
 MoA&FW completed degree immersion in cooperatives in Regional Offices (RO), Head
in Agri and  To help professional graduates understand the Offices (HO), Laxmanrao Inamder
related fields, setting and day-to-day operations of NCDC & co- National Academy for Cooperative
MBA in Agri- ops Research and Development
business,  Introduce recent graduates to the field and (LINAC) upon online applications
Finance, etc., improve their skills of recommendations of
 Help struggling cooperatives institutions

Savings
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Pradhan Mantri Jan Every household  now  To help citizens receive  Zero balance savings with minimum
Dhan Yojana every adult banking services such documents – interest rate on deposits
 Dept of as credit, pension and  RuPay debit card
Financial insurance at a  Eligible to enroll for an accident insurance
Services, MoF reasonable cost cover of ₹ 2L (accounts opened after
 2015  To simplify G2C fund 28.8.2018) and ₹ 1L (accounts opened upto
  For 4 years till transfer 28.8.2018)
2018, then  Overdraft facility of up to ₹ 10K for eligible
extended accountholders
 Receive DBT, PMJJBY, PMSBY, (APY) and
MUDRA schemes
 Jan Dhan Plus: Low-income women
Kisan Vikas Patra  Indian citizen above Low-risk savings platform   1 July 2016 – e-mode certificates
 Began in 1988, 18 - Minors via boost financial independence  Single Holder: for individual
India Post, adult of low-income investors from  Joint A: 2 adults – amount paid to both or
under the  No upper age limit semi-urban and rural areas survivor & Joint B: 2 adults – amount paid
Ministry of  PAN Card proof for to either one or survivor
Finance  investments >₹  Interest rate as of 1 Apr 2020: 6.9%
closed in 2011 50,000 compounded annually  regulated by MoF
due to concerns  Income proof (salary and not subject to market risk – reviewed
with money slips, bank every Q and tweaked frequently
laundering  statements, ITR  Minimum lock-in period of 30 months –
reintroduced in documents, etc.) for withdrawal before that penalty or reduced
2014 deposits >10 lakh interest

Gold Monetisation Individuals, HUF, Trusts, Reducing dependency on gold  Min. deposit limit 10 g
Scheme (GMS) Mutual Funds / Exchange imports by mobilizing idle gold  Categories:
 Nov 2015 – Traded Funds registered o Short-term gold deposits (1-3 years):
amended in Feb under SEBI – Only interest decided by banks
2021 Resident Indians o Medium-term gold deposits (5-7
 Via PSBs, PVBs years): 2.25%
and jewelers o Long-term gold deposits (12-15 years):
 Revamp of Gold 2.5%
Deposit Scheme  Jewellers incentivized as „Gold Mobilisation
& Gold Metal Agents‟ and „Collection and Purity Testing
Loan Scheme Centres‟ (CPTCs)
Sovereign Gold Bond Resident individuals,  Deposit per fiscal year
Sold through: HUFs, Trusts, Universities o Min. 1 g and max 4 kg for individuals and HUF
 SCBs (except and Charitable o 20 kg for trusts and similar entities
SFBs, PBs, Institutions  Tenor: 8 years - premature redemption after 5th year on the date on which
RRBs) interest is payable
 Stock Holding  Interest rate: Fixed rate of 2.5% per annum payable semi-annually on
 Corporation of nominal value
India Ltd  Payment option: Cash payment (upto a maximum of ₹20,000) or demand
(SHCIL) draft or cheque or electronic banking
 Clearing  Issue and redemption price: Simple average of closing price of gold of 999
Corporation of purity published by the India Bullion and Jewellers Association Limited
India Ltd (CCIL) (IBJA) for the last 3 working days of the week preceding the subscription
 NSE period
 BSE o Issue price to be less by ₹50 per gram for the investors who subscribe
 Designated post online and pay digitally
offices  Others: Taxable interest and exemption for capital gains, Tradable, Eligible
for conversion into demat form, Can be used as Collaterals for loans,
Mandatory KYC, Counted as SLR eligibility for banks

Pension
NAME AND ABOUT ELIGIBILITY BENEFITS
Atal Pension Yojana 18 – 40 years who has not  Minimum guaranteed pension of ₹ 1K / 2K / 3K / 4K / 5K
 9 May 2015 paid and is not paying income depending on contribution
 Dept of tax  Start at age 60
Financial  Upon death of pensioner, spouse can continue contributing to APY
Services, MoF account till the original subscriber would have attained the age of 60
and same amount received as pensioner were alive
 If both subscriber and spouse died – nominee same procedure
National Pension Initially not for armed forces,  Tier-I account: Non-withdrawable permanent retirement account
Scheme for all citizens from May 2009 into which the accumulations are deposited and invested as per the
 Jan 2004 (inclu NRI) aged: 18-65 option of the subscriber.
 National Excluded: Overseas Indian  Tier-II account: Voluntary withdrawable account allowed only when
Pension System citizens, PIO, HUF there is an active Tier I account in the name of the subscriber
Trust (NPST) by  Subject to tax deductions based on the amount deposited
PFRDA
NPS for Traders and Traders (inclu retail  Voluntary and co-contributory pension scheme
Self-Employed shopkeepers)  50% monthly contribution payable by the beneficiary and equal
Persons  Age: 18-40 years matching contribution paid by Govt
 Sept 2019  Annual turnover not  ₹ 3000 per month after attaining 60
exceeding ₹ 1.5 cr
 Not a member of EPFO /
 ESIC / MPS / PM-SYM or
an income tax payer

Maandhan Yojana PM-SYM: Unorganised sector Includes:

 With LIC workers aged 18-40 years
 PM-SYM: whose monthly income is ₹
5.3.19 15,000 or less, includes
 PM-LVM: landless agricultural labourers
12.9.19
PM-LVM: Shopkeepers / self-
employed / retailers with GST
turnover below ₹1.5 cr aged 18-
40
Excluded (common):
 Covered under NPS,
ESIC, EPFO
 Paid IT in last
assessment
 Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM)
 Pradhan Mantri Laghu Vyapari Maandhan Yojana (PM-LVM)
 Pradhan Mantri Kisan Maandhan Yojana (PM-KMY)
Features:
 Monthly pension of ₹ 3 K after 60 age
 Monthly contribution of ₹ 55 to ₹ 200 depending on age
 Equal contribution from Govt
 50% of pension for spouse of beneficiary if they die
 Spouse can continue subscription for pension if beneficiary dies
before 60 years

Insurance
NAME AND ABOUT ELIGIBILITY BENEFITS
Pradhan Mantri 18-50 years (life cover up to 55  1 year (1st June – 31st May) life insurance scheme, renewable every
Jeevan Jyoti Bima years) with a savings bank year, offering coverage for death due to any reason
Yojana (PMJJBY) account and who give their  Annual premium ₹ 436 per annum per member deducted from
 9 May 2015 consent to join and enable savings bank account
 Dept of Financial auto-debit  Benefit of ₹ 2 L payable on a member‟s death (natural/unnatural) to
Services, MoF the nominee/beneficiary
 Via LIC & private  Tax deduction under section 80C through its monthly premium
life insurance payment
companies
PM Suraksha Bima Individual savings bank  ₹ 20 premium auto-debited
Yojana account holders of participating  Valid for 1 year from 1st June to 31st May and renewable
 9 May 2015 banks/post office aged 18-70  ₹ 2 L upon death, irrecoverable loss of both hands/feet/eyes
 Via LIC  ₹ 1 L upon irrecoverable loss of one eye/hand/foot
 Others:

 Max. deposit limit for the Post office monthly Income savings scheme: ₹ 9 L (from ₹ 4.5 L) for single account and ₹ 15 L (from
₹ 9 L) for joint account
 DIGIDHAN Mission: set up at MeitY in June 2017, transferred to Dept of Financial Services, MoF - to promote the digital
payment ecosystem
 JAM Trinity has propelled financial inclusion rate from 25% in 2008 to over 80% of adults in last 6 years, a journey
shortened by up to 47 years – World Bank
 Deakin University and Wollongong University from Australia - first two foreign universities to be granted in-principle
approval to establish their branch campus at GIFT City
 India as one of the earliest adopters of T+1 settlement system in the global securities market, ahead of major developed and
emerging markets

Women
Mission Shakthi
 2021
 Schemes and policies that will
help empower and protect women
 Under Nirbhaya Fund
SAMBAL (One Stop Centre, Mahila
Police Volunteer, Women Helpline /
Swadhar / Ujjawala / Widow Homes,
etc.,)
SAMARTHYA (Beti Bachao Beti Padhao,
Creche, Pradhan Mantri Matru
Vandana Yojana /Gender Budgeting /
Research)
 One Stop Centre (OSC): SakhiCentres – Emergency response and rescue services,
medical assistance, assistance to women in lodging FIRs, psychosocial support &
counselling and legal aid and shelter video conferencing facility.
 Women Helpline (WHL): Immediate, 24-hour emergency and non-emergency referral
services to women affected by violence – 181 toll-free for women seeking support and
information about government schemes and programmes
 Mahila Police Volunteers (MPV)
 Swadhar Greh: shelter, food, clothing, medical assistance and economic & social
security to women in distress including widows, destitute women and elderly women.
 Ujjawala: prevent, rescue, rehabilitate, reintegrate and repatriate victims of
trafficking.
 Working Women Hostel
 Mahila Shakti Kendra: student volunteers create awareness with rural women on
health, nutrition, skill development, employment and digital literacy
 Pradhan Mantri Matru Vandana Yojana (PMMVY): ₹ 5,000 to pregnant women and
lactating mothers – 1K and 2K compensation
 National Creche Scheme (earlier named as Rajiv Gandhi National Creche Scheme)
 Beti Bachao Beti Padhao (BBBP)
 Hub for Empowerment of Women (HEW): For increasing awareness about schemes of

Beti Padhao Beti Bachao
2015
MoW&CD, MoH&FW, MoHRD
To,

Improve the child sex ratio

Ensure gender equality and
women empowerment
 Prevent gender-biased, sex
selective elimination
 Ensure survival and protection of
the girl child
 Encourage education and
participation of the girl child
Beneficiaries:
 Primary Segment: Young and
newly married couples; pregnant
and lactating mothers; and
parents
 Secondary Segment: Youth,
adolescents (girls and boys), in-
laws, medical doctors/
practitioners, private hospitals,
nursing homes and diagnostic
centres
 Tertiary Segment: Officials, PRIs,
frontline workers, women
SHGs/collectives, religious
leaders, voluntary organisations,
media, medical associations,
industry associations and the
people at large
the Ministry and other measures undertaken by the Government for welfare and
development of women
 Advocacy and media campaign: National awareness campaigns on disseminating
information regarding the declining CSR and SRB
 Intervention in gender-critical districts:
 Improve SRB in select gender-critical districts by 2 points per year
 Reduce gender differentials in the under-five child mortality rate metric by 1.5 points
per year
 Provide functional toilets for girls in every school in select districts
 Increase first trimester antenatal care registration by 1% per year
 Improve nutritional status by reducing the number of underweight and anaemic girls
(under five years of age)
 Sukanya Samriddhi Yojana Scheme (SSY)
 Digital Guddi-Gudda Board: A digital platform for exhibiting gender disparity in birth
rates and providing information on schemes and programs created for safeguarding
the girl child
 Udaan - Sapne Di Duniya De Rubaru: Initiative offering girls an opportunity to
shadow professionals in fields of their choice
 My Aim My Target Campaign: Recognition programme to felicitate top academic
performances by girls in higher secondary schools
 Lakshya Se Rubaru: Internship programme for female students in colleges – for
encouraging them to make informed decisions about their careers
 Noor Jeevan Ka Betiyan: A week-long campaign celebrated with gender empowerment
theme-based interactive activities organised in Panchayats, schools, and colleges
 Bitiya and Birba: Each mother of a newly born girl child is celebrated and honored
with a plant
 Aao School Chalein: Enrolment campaign involving door-to-door visits and
registrations to ensure 100% enrolment of girls in schools
 Collector Ki Class: Initiative offering free coaching classes and career counselling for
underprivileged girls in public schools and colleges
 Bal Cabinet: Youth leadership programme where girl students simulate government
cabinets and ministerial roles to discuss and resolve issues
Umbrella Scheme on “Safety of
Women”
 Ministry of Home Affairs (MHA)
 ₹1179.72 cr for 2021-22 to 2025-
26
o ₹ 885.49 cr from MHA‟s
budget and ₹ 294.23 cr
from Nirbhaya Fund
Continuation of projects:
 112 Emergency Response Support System (ERSS) 2.0
 Upgradation of Central Forensic Sciences laboratories & setting up National Forensic
Data Centre
 Strengthening of Cyber Forensic capacities in State Forensic Science Laboratories
 Cyber Crime Prevention against Women and Children
 Capacity building and training of investigators and prosecutors in handling sexual
assault cases against women and children
 Women Help Desk & Anti-human Trafficking Units

Health services  Surakshit Matritva Aashwasan (SUMAN): Free assured, dignified, respectful and
quality healthcare for every woman & newborn visiting public health facilities
 Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA): Provision of pregnant
women a fixed day, free of cost & quality antenatal check up by a Specialist/Medical
Officer on the 9th day of every month.
 LaQshya: Improving quality of care in labour room and maternity operation theatres
 Maternal and Child Health (MCH) Wings, Obstetric HDU & ICU: At high
caseload facilities to improve the quality of care provided to mothers and children
 Monthly Village Health, Sanitation and Nutrition Day (VHSND): Outreach
activity at Anganwadi centers for provision of maternal and child care
 Birth Waiting Homes (BWH): In remote and tribal areas to promote institutional
delivery & access to healthcare
 Rashtriya Kishor Swasthya Karyakram (RKSK): Promotion of Menstrual Hygiene
among adolescent girls (10-19)
 Menstrual Hygiene Scheme: Through State Programme Implementation Plan (PIP)
route based on the proposals received from the States

Mahila Samman Savings Certificate Min. deposit ₹1000 and max. ₹2 L for 2 years at 7.5% with partial withdrawal
 Dept of Economic Affairs, MoF option
 Till March 2025
A Scheme For Women Women above age of 18  Temporary residential Max. 30 women capacity
In Difficult who are: deserted, accommodation with
Circumstances released from jail, victims the provision of food, Category of women – permitted period of stay
(SWADHAR) Greh of domestic violence, clothing, medical  Domestic violence survivors – max. 1 year
 MoW&CD rescued trafficking facilities, etc.,  Others – Max. 3 years
victims, HIV/AIDs women
  Vocational and skill  Aged 55+ - Max. 5 years [then shifted to old
Set up in every district up-gradation training age homes / related institutes]
for economic For children accompanying the women,
rehabilitation of such  Girls – up to 18 years
women  Boys – up to 8 years [shifted to the
 Counseling, awareness Children Homes run under JJ Act/ICPS
generation and after 8 years]
behavioral training
 Legal aid and
Guidance
 Counseling through
telephone
Sukanya Samriddhi  Parents or legal To meet education and  8.2% interest w.e.f 1 Jan 2024 and
Yojana guardians on marriage expenses of girl compounded annually with option for
 Under Beti behalf of a girl child monthly interest pay-outs
Padhao Beti children (including  Maturity of account – account holder
Bachao adopted girl child) reaches 21 or gets married
 Dept of till she attains 10  No tax on amount invested, earned as
Economic  Up to 2 daughters interest or withdrawn
Affairs, MoF aged below 10 (3 if  Minimum of Rs 250 of initial deposit with
 22 Jan 2015 twins or triplets) multiple of Rs 150 (max ₹1.5L) in a
 Account in post financial year upto max 15 years
office or bank  Sampoorna Sukanya Gram Campaign –
June 2019

New Swarnima Woman entrepreneur Loan up to ₹2,00,000/- @ 5% per annum

Scheme For Women between 18 to 55 with
 By National total family income below
Backward 3 LPA
Classes Finance
& Development
Corporation
(NBCFDC)
Others:

 Nari Arthik Sashaktikaran Yojana: Support SCs, single women, widows to take up income generating activities – MoSJ&E
 Financial assistance for vocational training of widows of ex-servicemen, treatment of serious diseases of non-pensioner ex-
servicemen/widows and daughter‟s marriage/widows‟ remarriage – MoD
 Guide on Gender Inclusive Communication: To promote gender equality and tackle the pervasive gender bias through
appropriate use of language in English and vernacular languages - with National Gender and Child Centre (NGCC), LBSNAA,
BMGF, UN Women
 Scheme for Care and Support to Victims under Section 4 & 6 of the Protection of Children from Sexual Offences (POCSO)
Act, 2012: To provide integrated support and assistance to minor pregnant girl child victims under one roof; and to facilitate
immediate, emergency and non-emergency access to a range of services for long term rehabilitation up to 18 years of age
(extended to 23 if required)
 INDUSTRIES

MSME
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Pradhan Mantri Individuals, Financing non-corporate, Collateral free, interest charged on money held with
MUDRA Yojana Proprietary, non-farm sector income borrower overnight
 8 Apr 2015 Partnership Firm, generating activities of  Shishu: ₹ 50K
 Dept of Financial Private Ltd & Public micro and small entities  Kishor: ₹ 50 K to ₹ 5 L
Services, MoF Company who,  Tarun: ₹ 5 L to ₹ 10 L
 Via PSBs, PVBs,  Not a defaulter As of 2023 loan categories
State co-ops, & satisfactory held, One woman in every SHG under DAY-NRLM may be
RRBs, MFIs, credit record Shishu: 82% provided a loan up to ₹1 lakh under the MUDRA Scheme
NBFCs, SFBs  Skills / Kishor: 16% if eligible
experience/ Tarun: 2%
knowledge to 69% women, 51% SC/ST /
undertake the OBC
project
 Edu
qualifications
based on
project
Prime Minister’s (1) Anyone above 18, min. VIII pass for ₹ 10 L + (1) Margin Money (MM) subsidy as a part of project cost
Employment loan in manufacturing / ₹ 5 L + in services, only for:
Generation new projects, SHGs, BPL who have no availed  General Category - 25% in rural and 15% in urban
Programme (PMEGP) other scheme benefits, co-ops, charitable trusts, with contribution of 10%
 MoMSME institutions registered under Societies Act  Special Categories (SCs, STs, OBCs, Minorities,
 Merging PM Women, Ex-servicemen, PwD, Transgenders, NE,
Rojgar Yojana (2) Successful repayment of (1)st loan, profits and Hill & Border areas, Aspirational districts): 35% in
(PMRY) & Rural turnover, modernization of tech rural and 25% in urban with contribution of 5%
Employment  Max project cost: ₹ 50 L in manufacturing and ₹ 20
Generation Meat producing / processing / serving, L in services
Programme plantations, intoxicant items, animal husbandry
(REGP) not allowed unless value-added units (2) 2nd Loan for Upgradation of Existing PMEGP / REGP /
 ₹13,554.42 cr till MUDRA Units
2025-26 Target: To set up about 4 L projects with the  Categories of beneficiaries under PMEGP (for
National level: Khadi creation of 30 L employment @ 8 persons per unit, upgradation of existing units): All Categories
and Village Industries with 1000 new units every FY  Beneficiary‟s contribution (of project cost): 10%
Commission (KVIC)  Rate of Subsidy (of project cost): 15% (20% in NE
and Hill States)
State level: State  Max upgradation for manufacturing - ₹10 cr and
offices of KVIC, State max subsidy - ₹15 cr (₹20 cr for NE and Hill States)
Khadi and Village  Max upgradation for services - ₹25 L and max
Industries Boards subsidy - ₹3.75 L (₹5 L for NER and Hill States)
(KVIBs), District
Industries Centres,
Coir Board, and Banks
The Micro and Small Existing Entrepreneurs (in  Common Facility Centers: Creation of Common Production / Processing
Enterprises Cluster form of a SPV) Centre, Design Centers, Testing Facilities – assistance up to 90% of max.
Development project cost ₹ 20 cr
Programme (MSE- Targets:  Infrastructure Development: Development of land, roads, drainage, power
CDP)  Creation of Common distribution etc. in new / existing industrial areas – assistance up to 80%
 2003 Facility Centers of max. project cost of ₹ 15 cr
including Plug & Play  Marketing Hubs / Exhibition Centres – assistance up to 80% of max.
Facilities project cost of ₹ 10 cr
 Thematic  Training programs, Exposure Visits, etc. for approved/ completed CFCs –
Interventions- assistance up to ₹ 2 L for each activity, max. ₹ 10 L per CFC
Activities such as  State Innovative Cluster Development Programme - assistance as per
Training Programmes, State Govt share or ₹ 5 cr, whichever is lower
Exposure Visits
Raising and  Long-term solution for  Strategic Investment Plans (SIPs) for identifying major obstacles & setting
Accelerating MSME economic and financial objectives and projecting necessary funding for priority sectors
Performance Scheme viability of MSME  Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE)
(RAMP) sector  Improved effectiveness of Credit Linked Capital Subsidy – Technology
 ₹ 3750 cr from  Increase Center-State Upgradation Scheme (CLCS-TUS)
World Bank and partnership  MSME-GIFT (MSME Green Investment and Financing for Transformation
₹ 2312 cr from  Greening and Gender for providing interest subvention and guarantee for MSME loans for
GoI Target: 5.5 L MSMEs identified green technologies)
 SIDBI (MSME  MSE-SPICE (MSME Scheme for Promotion of Investment in Circular
GIFT & MSME Economy) - 25% capital subsidy to MSEs for adopting circular economy
SPICE), NICSI  MSME Scheme on Online Dispute Resolution (ODR) for Delayed
(MSE ODR) Payments
MSME Champions To pick up clusters and
Scheme enterprises and modernize
their processes, reduce
wastages, sharpen business
competitiveness, facilitate
their National and Global
reach and excellence
MSME-Competitive (LEAN): 10 Mar 2023
MSME-Innovative (Incubation, Design, IPR): 10 Mar 2022
MSME Technology New and old firms
Centres (TCs)
MSME-Sustainable (ZED): 28 Apr 2022
 Bronze, Silver, Gold certs
 Develop an Ecosystem for Zero Defect Zero Effect Manufacturing in
MSMEs, for enhancing competitiveness and enabling exports
 Increase public awareness on demanding Zero Defect and Zero Effect
Products through the ZED Rating and Grievance Redressal Portal
 Reimbursement of Certification fees/Consultancy charges on successful
certification, subject to an upper ceiling as per the scheme guideline
 Free for women MSMEs
 Enhance the manufacturing competitiveness through the application of
various Lean Manufacturing (LM) techniques
 Financial assistance for cost of lean manufacturing consultant - 80%
Govt, 20% beneficiary
 Financial assistance to the MSMEs for engagement of design consultants
for design intervention
o Govt contribution @ 75% for micro, 60% for SMEs for the project
range up to ₹ 40 L
 Reimbursement of 75% of expenses incurred up to ₹ 1.5 lakh for final
year student project done for MSMEs
 Entrepreneurial and Managerial Development of SMEs through
Incubators: to promote & support untapped creativity of individual and to
promote adoption of latest technologies in manufacturing and Knowledge-
based innovative MSMEs
 Reimbursement of Patent/Trademark/GI:
o Indian Patent upto ₹1 L
o Foreign Patent upto ₹ 5 L
o Trademark upto ₹ 0.10 L
o GI Registration ₹ 2 L
 Design & Manufacture of Dies, Moulds using Latest Technology
 Help in prototyping new product
 Skill Development: Tool Design, Machinist, CNC Machines, PLC,
Mechatronics, CAD/CAM, Footwear, Fragrance, Glass Mfg, Automation
  Consultancy: Tool Design, new product development
 Training programs from 2 weeks to 4 years with NSQF-approved
programs
 Customized training programs
 TC Kannauj - consultancy for sanitizer mfg
 TC Meerut - PPE Coverall testing
Scheme of Fund for Organize traditional industry  Support clusters with 500 artisans with up to ₹ 2.5 cr and ₹ 5 cr for more
Regeneration of artisans into clusters by than 500 artisans
Traditional Industries providing Technology  Hard Intervention in setting up physical infrastructure with CFCs, raw
(SFURTI) Support, Marketing Support, material banks, latest machines, and Soft Intervention in skill
 2005-06, Skill Development development, market promotion initiatives, etc., in clusters
revamped in  Soft Interventions: General awareness, counselling, motivation and trust
2014-15 building, skill development and capacity building, institution
development, exposure visits
 Thematic Interventions: Brand-building and promotion campaigns, new
media marketing, e-Commerce initiatives and innovation
 90% (95% in NER, J&K and Hill Areas) of Hard Intervention cost and
entire cost of Soft Intervention
Self-Reliant India All existing and interested To provide support Operates through a mother-fund [managed by NSIC
(SRI) Fund MSMEs with +ve growth and for MSMEs through Venture Capital Fund Limited (NVCFL)] and daughter-
 2021 defined business plan equity infusion fund structure for equity or quasi-equity investments
 ₹ 50,000 cr (₹
10,000 cr Govt
and ₹ 40,000 cr
PE/VC)
Distressed Assets Fund – Subordinate Debt Scheme  90% guarantee from Govt and 10% from beneficiary
 Max. tenor for repayment 10 years
 Moratorium: 7 years - on payment of principal
Credit Linked Capital Old and new firms To facilitate  Upfront subsidy of 15% on credit up to ₹ 1 cr
Subsidy Component technology to MSEs (subsidy cap of ₹ 15 L) for identified sectors / tech
Nodal agencies: SIDBI, through  Flexibility for review of identified tech/ sub-sectors
NABARD, SBI, Andhra institutional also exists
Bank, PNB, BoB, finance for  Subsidy for acquisition/replacement of plant &
Canara Bank, induction well machinery/equipment & technology up-gradation of
Corporation Bank, established and any kind for SC/ST, women, NER, Hill States,
Indian Bank, Bank of proven technologies
India, & TIICL (other in the specific sub- Island Territories, Aspirational Districts, and LWE
banks & RRBs as PLIs sector/products Districts
via these banks)
Credit Guarantee for New and old firms  Collateral/third party guarantee free credit facilityup to ₹ 200 L
Micro and Small  Guarantee cover - enterprise/purpose - amount
Enterprises (CGTMSE)  50% for MSE retail trade for ₹ 10 L to 100L
 2000, revamped  75% in case of default up to ₹ 200 L
in 2023  80% for women MSEs & all NE MSEs up to ₹ 50 L
 Via Banks, select  85% for micro for up to ₹ 5 L
NBFCs and SFBs
Interest Subvention Manufacturing and Service  Incremental/fresh term loan or working capital extended from 2 Nov 2018
Scheme enterprises by SCBs, NBFCs, RRBs, UCBs and DCCBs covered
 2018 Excluded: If MSME availing  2% interest subvention on fresh or incremental loans max. up to ₹ 1 cr
 Via SIDBI subvention from other
schemes
Interest Equalisation Scheme for MSMEs Pre and post  Manufacturer and Merchant Exporters exporting
 Extended till 30 June 2024 – ₹ 2500 cr shipment credit products listed in the 410 tariff lines: 2%
 Implemented by RBI thru PSBs and non-PSBs  MSME exporters of all tariff lines: 3%
 Monitored by DGFT and RBI  Annual net subvention amount ₹ 10 cr per
Importer-Exporter
Public Procurement Public Procurement  Mandatory 25% annual procurement from MSEs by
Policy for Micro and Policy for Micro and Central Ministries / Depts / Central PSUs –
Small Enterprises Small Enterprises including 4% from MSEs owned by SC/ST and 3%
(MSEs) Order, 2012 from MSEs owned by Women entrepreneurs
 358 items are reserved for exclusive procurement
from MSEs

Others:

 Export promotion from MSME under Export Facilitation Cells (EFCs)'s field institutions: MSME-Development and
Facilitation Offices, MSME Technology Centres and MSME Testing Centres
 World Bank assisted “Technology Centre Systems Programme” (TCSP): 15 new Technology Centres (TC) for assisting MSMEs
and imparting skill training
 MoU of National Small Industries Corporation Ltd. (NSIC) with and Korea SMEs and Startups Agency (KOSME) of Republic
of Korea
  MoU with Jute Products Development and Export Promotion Council (JPDEPC) for reimbursement of RCMC charges of
Capacity Building for First Time Exporters component of International Cooperation Scheme.
 Dak Ghar Niryat Kendra (DNK): Depat. of Posts and CBIC – small exporters can electronically file a Portal Bill of Export and
then present the parcel at Dak Ghar Niryat Kendra for export
 Vivad se Vishwas I – Relief for MSMEs: Ministry of Finance through Government e-Marketplace (GeM) portal - refund of 95%
of the deducted performance security, bid security and liquidated damages and relief to MSMEs debarred for default in
execution of contracts – for COVID-19 relief
 SAMARTH (MoMSME): To support women-owned MSMEs – Skill Development and Market Development Assistance to
women – discounts, special drives and obligations for procurement
 Capacity Building of First-Time MSME Exporters (CBFTE): To encourage MSMEs to offer products and services of
international standards for the global market

Start-ups
Atal Innovation  Atal Tinkering Lab (ATL): In schools for 6th to 12th - IoT, 3D printing, rapid prototyping tools, robotics,
Mission miniaturized electronics, DIY kits, etc.,
 2016 o Frontier Technology Labs (FTLs): Funded by Meta - advanced versions of ATLs - in schools - AI,
 Under NITI AR & VR, IoT, Blockchain, Cybersecurity, Robotics, and 3D Printing - managed by Meta‟s
 To ensure partner 1M1B (One Million for One Billion)
creation of a  Atal Incubation Centres (AIC): At universities, institutions and corporates - provide technical facilities,
problem-solving resource-based support, mentorship, funding support, partnerships and networking, co-working
innovative spaces and lab facilities, etc.,
mindset in  Atal Community Innovation Centres (ACIC): Tier 2, Tier 3 cities, aspirational districts, tribal, hilly and
schools coastal areas – Rs 2.5 cr to an ACIC where a partner will provide equal or greater matching funding
 Creating an  Atal New India Challenges: Supports select start-ups throughout the commercialization stage (12-18
ecosystem of months) with up to ₹ 1 cr and other associated support
entrepreneurship  Mentor India – The Mentors of Change: Mentorship and Partnerships with Public, Private sector,
in universities, NGOs, Academia, Institutions
research  AIM Ecosystem Development Program: To build collaborations, create strategic programs, develop the
institutions, innovation ecosystem and link all parts of the AIM Ecosystem – link between AIM beneficiaries, Start-
private and MSME ups and Govt
sector  Trainings under AIM iCRESt
 Youth Co:Lab: 2017 by UNDP Asia and the Pacific and Citi Foundation - to establish a common
agenda for Asia-Pacific countries to invest in and empower youth to accelerate the implementation of
 the SDGs – Indian version with UNDP India Youth Co:Lab India
 Aatmanirbhar Bharat ARISE-ANIC: To promote research & innovation and increase competitiveness of
Indian startups and MSMEs
 Self- Employment and Talent Utilisation (SETU): 2015-16 - ₹ 1000 cr - Techno-Financial, Incubation
and Facilitation Programme to support all aspects of start up businesses, and other self-employment
activities, particularly in technology-driven areas
Make in India  New Processes: Promoting "ease of doing business"
 25 Sept 2014  New Infrastructure: Industrial corridors, smart cities, and create infrastructure
 Dept for  New Sectors: FDI opened up in Defence Production, Insurance, Medical Devices, Construction, and
Promotion of Railway infrastructure
Industry and  New Mindset: Government as a facilitator and not a regulator
Internal Trade  To make India a manufacturing, design and innovation hub by investment and infra building
(DPIIT)
Target: To increase manufacturing sector‟s contribution to 25% of GDP by 2020

Components:
 Presently focuses on 27 sectors under Make in India 2.0
 Production linked Incentive (PLI) Schemes
 PM GatiShakti & National Logistics Policy
 National Industrial Corridor Program
 New Design, Innovation and R&D
 Rationalization of taxes
Fund of Funds for  Corpus of ₹ 10,000 cr: provides capital to SEBI-registered AIFs (“daughter funds”) who invest money in
Startups (FFS) growing Indian startups through equity and equity-linked instruments
 2016 till 2026  AIFs supported under FFS required to invest at least 2 times of the amount committed under FFS in
 Via SIDBI startups
Startup India Seed  DPIIT-recognized start-up max. 2  To provide financial assistance to startups for proof of
Fund Scheme (SISFS) years old concept, prototype development, product trials, market
 19 Apr 2021  Should not have received more entry & commercialization
 ₹ 945 cr than ₹10 L of monetary support  Up to ₹20 Lakhs as a grant for validation of Proof of
 Department for under other Centre/State Concept, prototype development, or product trials disbursed
Promotions of schemes in milestone-based installments
Industry and  Min. 51% shareholding by Indian  Up to ₹50 Lakhs of investment for market entry,
Internal Trade promoters commercialization, or scaling up through convertible
(DPIIT) Preference to startups in: Social impact, debentures or debt or debt-linked instruments – rate of
waste management, water management, interest of not more than the prevailing repo rate – 5 years
 energy, fin inclusion, education,
agriculture, food processing, biotech,
healthcare, mobility, defense, space,
railways, oil & gas, textiles
Excluded: Individual entrepreneurs
Credit Guarantee DPIIT-recognized Start-ups with stable
Scheme for Startups revenue stream with no defaults or
(CGSS) NPAs
 1 Apr 2023
 Via SCBs, NBFCs,
AIFs
Start-ups Intellectual Facilitate startups to file applications
Property Protection for patents, designs and trademarks
(SIPP) through registered facilitators in
appropriate IP offices by paying only the
statutory fees
term – 1 year moratorium
 Startup can avail grant and debt/convertible debentures
each once as per the guidelines
Cover % of loan amount in default - if loan up to
 80% - up to ₹3 cr
 75% - above ₹ 3 cr but below ₹ 5 cr
 65% - above ₹ 5 cr
 Max. amount under guarantee cover: ₹ 10 cr per borrower
Max. 5% of pooled investment on which cover is being taken or
actual losses, a max of ₹ 10 cr per borrower for umbrella-based
guarantee cover AIFs
 Facilitators to provide general advisory on diff-erent IPRs,
and information on protecting and promoting IPRs in other
countries - full fees borne by Govt for any number of
patents, trademarks or designs
 80% rebate in filing of patents and 50% rebate in filling of
trademark

Others:

 GeM Startup Runway: Fast-track process for onboarding startups on GeM platform
 SEED (Sustaining Enterprise and Entrepreneurship Development)
 LEAP (Launching Entrepreneurial-driven Affordable Products)
 Open Network for Digital Commerce
 Startup India Online Hub: 19 June 2017 – platform for all stakeholders of the entrepreneurial ecosystem to connect
 Startup India Showcase: Display of virtual profiles of the most promising startups chosen through various programs
 States‟ Startup Ranking Framework (SRF)
 One District One Product (ODOP) - Ekta/Unity Mall: To states for promotion and sale of a state‟s own ODOPs, GI products,
and other handicraft products, and for providing space for such products of all other States
 National Startup Awards (NSA): Support provided to all on Investor Connect, Mentorship, Corporate Connect, Govt. Connect,
International Market Access, Regulatory Support, etc.,
 Relaxation in conditions of prior turnover and prior experience in public procurement for all DPIIT-recognised startups
  Startups allowed to self-certify their compliance under 9 Labour and 3 Environment laws for a period of 3 to 5 years from
the date of incorporation
 Startups incorporated on or after 1 Apr 2016 eligible for income tax exemption – tax holidays of 3 consecutive years out of
10 years since incorporation.
 Startups as „fast track firms‟ enabling them to wind up operations within 90 days
 Startup India has launched bridges with over 15 countries to provide international market access to start-ups
 National Startup Advisory Council: To advise Govt – representation of industry stakeholders
 Acing Development of Innovative Technologies with iDEX (ADITI): Rs 750 cr – 2023-24 to 2025-26 – Start-ups are eligible to
receive grant-in-aid of up to Rs 25 crore for their research, development, and innovation endeavours in defence technology –
to create a „Technology Watch Tool‟ to bridge the gap between the expectations and requirements of the modern Armed
Forces and the capabilities of the defence innovation ecosystem

Startup India Action Plan – the layout for all start-up schemes and support
Pillars:
Simplification & Handholding
 Compliance Regime based
on Self-certification
 Startup India Hub
 Rolling out of Mobile App
and Portal
 Legal Support & Fast-
tracking Patent
Examination at Lower
Costs
 Relaxed Norms of Public
Procurement for Startups
 Faster Exit for Startups
Funding Support & Industry-Academia Partnership & Incubation
Incentives
 Fund of Funds with a
Corpus of INR 10,000 cr
 Credit Guarantee Fund
for Startups
 Tax Exemption on
Capital Gains
 Tax Exemption to
Startups for 3 years
 Tax Exemption on
Investments above Fair
Market Value
 Organizing Startup Fests for Showcasing Innovation and
 Providing a Collaboration Platform
 Launch of Atal Innovation Mission (AIM) with Self-
Employment and Talent Utilization (SETU) Program
 Harnessing Private Sector Expertise for Incubator Setup
 Building Innovation Centres at National Institutes
 Setting up of 7 New Research Parks Modeled on the
Research Park Setup at IIT Madras
 Promoting Startups in the Biotechnology Sector
 Launching of Innovation Focused Programs for Students
 Annual Incubator Grand Challenge
 Industries / Businesses
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Uttar Poorva  All eligible  To generate gainful  Districts categorized as Zone A (Industrially
Transformative Industrial Units employment and Advanced Districts) & Zone B (Industrially
Industrialization to commence development of Backward Districts)
Scheme (UNNATI) their production Industries in the states  60% of the outlay of Part A earmarked to 8
 Till 2034 or operation of Northeast Region NE states and 40% on a First-In-First-Out
 Department for within 4 years  Direct employment (FIFO) basis
Promotion of from the grant of opportunities of about
Industry and registration 83,000 and significant
Internal Trade  All new number of indirect
 ₹ 10,037 cr Industrial units employments
and Expanding
units eligible for
the respective
incentives

Smart Advanced Manufacturing And Rapid
Transformation Hub (SAMARTH) –Udyog
Bharat 4.0
Enhancement of Competitiveness in the
Indian Capital Goods Sector Ph-II
 25 Jan 2022
 ₹ 1207 cr
[C ₹ 975 cr, industry ₹ 232 cr]
 Ministry of Heavy Industries
 CEFC (Common Engineering Facility Center) Projects:
 Center for Industry 4.0 (C4i4) Lab Pune
 IITD-AIA Foundation for Smart Manufacturing
 I4.0 India at IISc Factory R & D Platform
 Smart Manufacturing Demo & Development Cell at CMTI
 Industry 4.0 projects at DHI CoE in Advanced Manufacturing Technology,
IIT Kharagpur
Components:
 Identification of Technologies through Technology Innovation Portals
 Setting up of 4 New Advanced Centres of Excellence & augmentation of
existing
 Setting up of 4 Common Engineering Facility Centres (CEFCs) &
augmentation of existing
 Augmentation of Existing Testing & Certification Centres
 Promotion of skilling
 Setting up of 10 Industry Accelerators for tech development
PM Formalisation Of 2 L micro food  Credit-linked capital subsidy @35% of the eligible project cost with a
Micro Food Processing processing maximum ceiling of Rs 10 L per unit
Enterprises (PMFME) enterprises following  ₹ 40,000 per SHG member for working capital and purchase of small tools
 Under the One District One  Credit linked grant of 35% for capital investment to FPOs/ SHGs/ producer
Atmanirbhar Product (ODOP) co-ops
Bharat Abhiyan approach  Capacity building and training support
 2020-21 to 2024-  Branding and Marketing support: FPOs, SHGs, Co-ops, Special Purpose
25 Vehicle (SPV) of ODOP based micro-food processing enterprises
 ₹ 10,000 cr
Faster Adoption and Electrification of  e-2 Wheelers: Demand incentive Rs 15,000/KWh with maximum cap of 40%
Manufacturing of public and shared of the cost of vehicles
(Hybrid &) Electric transportation  e-3 Wheelers: Energy Efficiency Services Ltd (EESL) to aggregate demand for
Vehicles Phase II (FAME through subsidies to multiple user segments
II) 7,090 e-Buses, 5  Electric Buses: 9 cities with over 4 million population (Mumbai, Delhi,
 1 Apr 2019 lakh e-3 Wheelers, Bangalore, Hyderabad, Ahmedabad, Chennai, Kolkata, Surat and Pune)
 ₹ 11,500 cr 55,000 e-4 Wheeler  Establishment of charging infrastructure in metros, other million-plus cities,
 Till 31 Mar 2024 Passenger Cars and smart cities, cities of Hilly states, and major highways connecting major city
 Ministry of Heavy 10 lakh e-2 Wheelers clusters to ensure availability of at least 1 charging station in a grid of 3 km
Industries x 3 km
PM Mega Integrated State Govts having  5F Mission: Farm to Fibre to Factory to Fashion to Foreign
Textile Region and ready availability of  7 PM MITRA Parks to be setup at Greenfield / Brownfield sites located in
Apparel (PM MITRA) contiguous and different willing States
Parks encumbrance-free o Greenfield: Capital Support 30% of the Project Cost, with a cap of
 ₹ 4,445 cr land parcel of 1,000+ ₹500 cr
 Up to 2027-28 acres along with o Brownfield: Capital Support @30% of project cost, with a cap of ₹200
other textiles related cr
facilities &  Competitiveness Incentive Support (CIS): ₹300 Crore to each PM MITRA
ecosystem park for early establishment of textiles manufacturing units
 To be developed by a Special Purpose Vehicle owned by State and Centre in
PPP Mode
 10% of the park‟s area for Commercial Development (CD) whose revenue to
use for maintenance of common assets and facilities
PM Street Vendor’s 50L+ street vendors  Collateral-free cheap  Collateral-free loan of ₹10,000, with
Atma Nirbhar Nidhi having a Certificate loans subsequent loans of ₹20,000 and ₹50,000
(PM-SVANidhi) of Vending or ID  Overall socio-economic  7% annual interest subsidy provided to bank
 MoH&UA issued by Urban development accounts via DBT if loan is repaid on time or
 1 June 2020, Local Bodies or  Digital transactions
initially till Mar identified in survey,
2022, extended to receive a LoR from a
Dec 2024 ULB or TVC
 Under SIDBI
Ease of doing business
Compliance:
 Eco Survey 2022-23: States/UTs with Centre have
reduced more than 39,000 compliances and
decriminalized 3,400 legal provisions
 Union Budget for 2023-24: „PRAVAAH‟ (Platform for
Regulatory Application, Validation And AutHorisation)
created to simplify compliance by all financial sector
regulators within laid down time limits to decide the
applications under various regulations
 Tax Deduction & Collection Account Number (TAN),
Permanent Account Number (PAN), and Director
Identification Number (DIN) simplified into a single SPICe,
which can be used to incorporate a company on a single
web form SPICe+
 Digitization of Employee State Insurance Corporation
(ESIC) and Employee Provident Fund Organisation (EPFO)
registration forms
Taxes:
 Average processing time of tax returns reduced to less
than 10 days
 Reduction of corporate tax for mid-sized companies from
30% to 25%. Corporate tax rates were slashed to 22% for
domestic companies and 15% for new domestic
manufacturing companies and othe₹
 Launch of Project Insight for harmonization across
various tax authorities and Income Tax Transaction
Analysis Centre (INTRAC) to leverage data analytics in tax
administration
early
 Cashback incentives upto ₹ 100 each month
for digital transactions
Departments/Acts/Policies:
 Jan Vishwas Bill (2023)
 Business Reforms Action Plan (BRAP)
under DPIIT: Assessments of States/UTs on basis of
reforms implemented by them on Single Window & Online
Building Permission Systems, Inspection & Labour
Reforms, etc. - competitive federalism
 DPIIT with Ministries/Depts and States/UTs on
o Simplification of procedures related to applications,
renewals, inspections, filing records, etc.
o Rationalization of legal provisions
o Digitization of government processes
o Decriminalization of minor, technical or procedural
defaults
 PM Gati Shakti, India Industrial Landbank, National
Logistics Policy
 Industry 4.0 Centres
Bodies:
 The National Science and Technology Entrepreneurship
Development Board (NSTEDB) - training and supporting
entrepreneurs at various stages of growth
 The National Initiative for Developing and Harnessing
Innovations (NIDHI) under NSTEDB - seed funds,
incubators, accelerators, and „Proof of Concept‟ grants
 India is part of the US-led 13-nation Indo-Pacific
framework dedicated to ESG compliance reforms in global
supply chains, anti-corruption programs, and climate
change

Initiatives for Promoting PPPs:
 Expansion of VGF Scheme: Expanded to promote PPPs in
social sector apart from economic infra - support up to
80% of apex & up to 50% of opex
 Revamping of India Infrastructure Project Development
Fund (IIPDF): Revamped and launched as a Central
Sector Scheme to provide support to PPP project
authorities for undertaking PPP Project Preparation
 Empanelment of Transaction Advisors: Providing a list of
pre-qualified Transaction Advisers and streamlining the
process of onboarding them for undertaking quality PPP
project structuring
 Policy measures and Documents: Supporting and
mainstreaming PPP
 Revamping of PPPININDIA website and Best Practices
online portals for PPPAC, VGF, IIPDF
Production Linked Incentive schemes
Initially announced in Mar 2020 for 3 sectors with outlay INR 1.97 L cr
Objectives:
 Make domestic manufacturing globally competitive
 To create global champions in manufacturing
 To boost existing capacities in domestic manufacturing for
sunrise and strategic sectors
 Curb cheaper imports
 Reduce import bills
 Improve cost competitiveness of domestically
manufactured goods
 Enhance export capacity
 Generate employment
Central Processing for Accelerated Corporate Exit (C-
PACE): To facilitate swift approvals for companies opting
for voluntary closures
Others:
 Technology Incubation and Development of Entrepreneurs
(TIDE) 2.0 under MeitY to provide technical and financial
support to IoT, AI, ML, Blockchain, Robotics, etc.,
 Biotechnology Industry Research Assistance Council
(BIRAC) BioNEST scheme
 Shram Suvidha Portal under the Ministry of Labour &
Employment provides a Labour Identification Number
(LIN) for Labour Inspection Scheme - making the
inspection report public within 48 hours on the portal
 Remission of Duties and Taxes on Exported Products
(RoDTEP) scheme for tax and duties remittance for
exporters
Features:
 Outcome-based and result-oriented: This means that
incentives will be disbursed only after production has
taken place in the country.
 Linking incentives to output: The calculation of incentives
will be based on incremental production to be achieved at
a high rate of growth. To achieve this incremental
production, beneficiaries will be required to make
additional investments in establishing green-field facilities
or carrying out expansion of existing facilities.
 Creating „champions‟ to maximize impact: The scheme
focuses on size and scale by selecting those players who
can deliver on volumes. The targeted nature of the scheme
will make it highly effective and the beneficiaries are likely
 to become globally competitive.
 Selection of sectors has solely been based on its scope to
cover cutting-edge technology, integrate with global value
chains and create large-scale employment

Benefits:

Industries applicable:
Key Starting Materials (KSMs)/Drug Intermediates (DIs) and
Active Pharmaceutical Ingredients (APIs): Department of
Pharmaceuticals
 ₹ 6,940 Cr - Bulk Drugs
 ₹ 15,000 Cr - Pharmaceuticals Manufacturing
 Rate of incentive on incremental sales up to 20% based on
category and year
Large Scale Electronics Manufacturing: Ministry of Electronics
and Information Technology
INR 38,645 Cr -PLI for Large Scale Electronics Manufacturing
INR 17,000 Cr - PLI for IT Hardware
Specified Electronic Components: Mobile Phones, Laptops,
Tablets, All-in-one PCs, Servers

Manufacturing of Medical Devices: Department of
Pharmaceuticals
 ₹ 3420 cr - MedTech industry
 Includes separate incentive for greenfield projects
Drones and Drone Components: Ministry of Civil Aviation
 The total incentive of ₹ 120 cr and the total PLI per
manufacturer is capped at ₹ 30 cr
 Incentive rate is 20% of the value addition which is one of the
highest among PLI schemes
 Annual sales turnover of Indian drone manufacturing
industry may grow from approx. ₹ 60 cr in 2020-21 to
approx. ₹ 900 cr by 2024-25.
Telecom & Networking Products: Department of
Telecommunications
₹ 12,195 cr - Products: Core Transmission Equipment, 4G/5G,
Next Generation Radio Access Network and Wireless Equipment,
Access & Customer Premises Equipment (CPE), Internet of
Things (IoT) Access Devices and Other Wireless Equipment,
Enterprise equipment: Switches, Router
White Goods (ACs & LED): Department for Promotion of Industry
and Internal Trade
 ₹ 6,238 Cr
 Products:
o Air conditioners: Air Conditioners Components, High
Value Intermediates (Copper Tubes, Aluminium Foil and
Compressors), Low Value Intermediates (PCB assembly for
controllers, BLDC motors, Service Valves and Cross Flow
fans for AC and other components)
o LED lights: LED Lighting Products LED Chips, LED
Drivers, LED Engines, Mechanicals, Packaging, Modules,
Wire Wound Inductors, LED Chip Packaging, Resisters,
ICs, Fuses
Automobiles & Auto Components: Department of Heavy Industry
 ₹ 25,938 Cr - Financial incentives of up to 18%
 To boost domestic manufacturing of advanced automotive
technology products and attract investments in the
automotive manufacturing value chain
 Incentives are applicable for determined sales of products
manufactured in India from April 1, 2022
 Extended till 31 Mar 2028
Textile Products: MMF segment and technical textiles: Ministry of
Textiles
 ₹ 10,683 cr - rate of incentive based on turnover
 Products: Man-Made Fiber Segment, Technical Textiles
Food Products: Ministry of Food Processing Industries
 ₹ 10,900 cr - To facilitate expansion of food processing
capacity by nearly ₹ 30,000 crore and create additional direct
and indirect employment opportunities for about 2.5 Lakh
persons by the year 2026-27.
 Products: Ready to Eat / Ready to Cook (RTE/ RTC), Marine
Products, Fruits and Vegetables, Mozzarella Cheese
High-Efficiency Solar PV Modules: Ministry of New and
Renewable Energy
 ₹ 24,000 Cr - Includes the national programme on high-
efficiency solar PV modules and National Green Hydrogen
Mission
 Direct employment of about 30,000, indirect employment of
about 1,20,000 persons, import substitution of around ₹
17,500 cr every year, and impetus to R&D
 Products: Solar PVs, Polysilicon + Wafer+ Cell+ Module,
Wafer+ Cell+ Module, Cell + Module
Advance Chemistry Cell (ACC) Battery: Department of Heavy
Industry
 ₹ 18,100 Cr - based on applicable subsidy per KWh and
percentage of value addition achieved on actual sale for
manufacturers who set up production units with a
capacity of at least 5 GWh up to a maximum of 20GWh.
Specialty Steel: Ministry of Steel
₹ 6,322 Cr - 25 MT of special steel
Products: Coated/Plated Steel Products, Electrical Steel, Alloy
Steel Products and Steel Wires, Specialty Rails, High Strength/
Wear Resistant Steel
 Logistics
PM Gati Shakti Master National Plan
 13 Oct 2021
 A digital platform that networks 16
ministries
 Six pillars: comprehensiveness,
prioritization of work, optimization,
synchronization, analytical, dynamic
 Powered by Clean Energy and Sabka
Prayas
Developed as a Digital Master Planning tool
by BISAG-N (Bhaskaracharya National
Institute for Space Applications and
Geoinformatics)
National Infrastructure Pipeline subsumed
 To reduce logistics costs via coordinated planning, review and monitoring, and
execution of infrastructure projects
 Providing multimodal connectivity infrastructure to various economic zones
 Gati Shakti Digital platform
 Creating data-driven Decision Support Systems (DSS)
 Unified Logistics Interface Platform
 Comprehensive Logistics Action Plan
 7 engines (Railways, Roads, Ports, Waterways, Airports, Mass Transport,
Logistics Infrastructure) complemented by others (Energy Transmission, IT
Communication, Bulk Water & Sewerage, and Social Infrastructure)
 Plans:
o 11 industrial corridors
o 2 defense corridors
o 38 electronics manufacturing clusters
o 109 pharmaceutical clusters
o 200 airports, helipads and water aerodromes
o 4G coverage to all villages
o Extend gas pipeline by 17,000 km
o NICDC Logistics Data Services Ltd: Radio frequency identification tags to
containers & offers consignees end-to-end tracking of their supply chain

Emergency credit support for COVID

NAME AND ABOUT ELIGIBILITY BENEFITS
Emergency Credit Industries – outstanding loan amount – days past due as  100% guarantee provided to Member
Line Guarantee of 29.2.2020 Lending Institutions (MLIs) in respect of
Scheme (ECLGS)  ECLGS 1.0: MSME units, Business Enterprises, the credit facility extended by them to
 Department of Mudra Borrower and individual loans for business eligible borrowers
Financial purpose – upto ₹50 cr – upto 60 days  Overall ceiling: Rs 4.5 L cr
Services (DFS)  ECLGS 2.0: 26 stressed sectors identified by  Interest rate: 9.25% for Banks and FIs
 Part of Aatma Kamath Committee & Healthcare sector – above ₹ and 14% for NBFIs
Nirbhar Bharat 50 cr up to ₹ 500 cr – up to 60 days  1 year moratorium on payment of
– May 2020  ECLGS 3.0: Hospitality, Travel & Tourism, Leisure principle component
 Applicable till & Sporting and Civil Aviation – up to 60 days
31 Mar 2023  ECLGS 4.0: Existing Hospitals / Nursing Homes /
 Clinics / Medical Colleges/ units engaged in
manufacturing of liquid oxygen, oxygen cylinders
etc. – upto 90 days as on 31 Mar 2021
 All MSME – up to ₹ 25 cr – less than or equal to 60
days

Atmanirbhar Bharat Abhiyan
 May 2020
 ₹ 20 lakh crore
 India as a global chain hub, strengthen
public- private relations, global exporter of
agri, textiles, clothing and jewellery i.e.
achieve self-reliance by determining
adequacy of each sector
 Vulnerable groups: Jan Dhan Accounts, Ayushman Bharat Yojana,
Micro insurance schemes, DBT (Direct Benefit Transfer)-based
reforms, PM Ujjwala Yojana, PM Awas Yojana
 Farmers: PM Kisan Yojana, PM Fasal Bima Yojana, PM Krishi
Sinchai Yojana, established a new Fisheries department
 Business: Recapitalisation of public sector banks, PSB (public
sector banks) merging, GST reforms, FDI reforms, ease of business
reforms
 Investments: Airport privatisation, reforms in the power sector,
cleaning the mining sector, listing states based on investment
attractiveness, promoting champion sectors (solar PV and advanced
battery manufacturing cells)
INFRASTRUCTURE AND FACILITIES

Roads
NAME AND ABOUT
Pradhan Mantri Gram Sadak Yojana
To provide rural connectivity, by way of a single
all-weather road, to the eligible unconnected
habitations of designated population size (250
& above, in case of NE States as per 2001
Census)
BENEFITS
 PMGSY I: states/UTs/LWE areas
 PMGSY-II: 2013 - Upgradation of selected Through Routes and Major
Rural Links (MRLs) with a target to upgrade 50,000 km
 Road Connectivity Project for Left Wing Extremism Affected Areas
(RCPLWEA)
 PMGSY-III: 2019 - 1,25,000 km Through Routes and Major Rural Links
connecting habitations, inter-alia, to Gramin Agricultural Markets
(GrAMs), Higher Secondary Schools and Hospitals

Others:

 National Highway (NH) network increased by 60%

 Bharat New Car Assessment Programme: Safety rating of passenger cars
 Rajmarg Yatra: Customer Redressal system and NHAI One: Digital tool for on site NH project
 Bharatmala Pariyojana: Optimizing the efficiency of the movement of goods and people - 34,800 km NH - Economic
Corridors development, Inter-corridor and feeder routes development, National Corridors Efficiency Improvement, Border,
and International Connectivity Roads, Coastal and Port Connectivity Roads and Expressways
 Parvatmala: Ropeways - connectivity to such hilly & inaccessible areas or to help de-congest urban congestion areas
 Maritime Amrit Kaal Vision 2047 and National Logistics Portal (Marine)
 National Road Safety Council (NRSC)
 Safety and security of women passengers (under Nirbhaya Framework)
 Wayside Amenities (WSA) at about every 40 kms along the National Highways on PPP mode
 Approval of Compressed Gaseous Hydrogen Internal Combustion Engine Vehicles and electric power train vehicles and
hybrid electric vehicles
Land
NAME AND ABOUT
Survey of Villages and
Mapping with Improvised
Technology in Village
Areas Scheme (SVAMITVA)
 24 Apr 2020 (National
Panchayat Day)
 2020-21 to 2024-25
 Ministry of Panchayati
Raj
Gold Prize in use of Emerging
Technology for providing citizen
centric services organized by
DARPG and Innovative Use of
Technology in e-Governance for
Digital Transformation at
Digitech Conclave 2023
Digital India Land Records
Modernization Programme
(DILRMP)
 Erstwhile National
Land Record
Modernization
Programme with effect
from 1 Apr 2016
OBJECTIVES BENEFITS
 Financial security
 Accurate land record
keeping
 Determination of
property tax
 Development of GSI
maps and survey
infrastructure
 Better Gram Panchayat
Development Plan
(GPDP)
 Consent –based
integration of Aadhaar
number with land
record database
 Computerization of
Revenue Courts & their
integration with land
records
 Improve real-time info
on land
 Optimize use of land
resources
 Assist in policy &
planning
 Reduce land disputes
 Check fraudulent /
benami transactions
 Obviate need of physical
 567 cr Continuously Operating Reference Station (CORS)
network to aid precise geo-referencing, ground truthing and
land demarcation
 Issue of SVAMITVA Property Cards using drone surveys and
GIS mapping for accurate demarcation of land parcels 
monetization of properties, enabling bank loans and
comprehensive village-level planning
 Drone survey
 Fully saturated in all inhabited villages of Haryana,
Uttarakhand, Puducherry, Andaman and Nicobar Islands
and Goa
 Sikkim, TN, Telangana: Only pilot villages
 Bihar, Jharkhand, Nagaland, Meghalaya, WB: Not
implemented
 Assam and Odisha: Only unmapped villages to be covered
 Unique Land Parcel Identification Number (ULPIN) or Bhu-
Aadhar
 National Generic Document Registration System (NGDRS) or
E-Registration
 Linkage of e-Court with Land Records / Registration Data
base
 Transliteration of Land Records in all languages of Schedule
VIII in all States/UTs
 Bhoomi Samman (Platinum Grading Certificate Scheme for
DILRMP for States/UTs)
 visits to Revenue /
Registration offices
 Enable sharing of
information with
various orgs/agencies

Others:

 Panchayat Development Index (PDI): To measure the progress on LSDGs and to carry out assessment to prepare evidence-
based policy
 Setting up of School of Excellence of Panchayati Raj (SoEPR)
 Gram Urja Swaraj Abhiyaan: Ministry of Panchayati Raj has collaborated with the Ministry of New and Renewable Energy to
include the Gram Panchayats under all its schemes focusing on adoption of renewable energy

Water
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Atal Bhujal Yojana 8220 water-stressed To bring in behavioral  Gram panchayat assisted in collecting
(ATAL JAL) Gram Panchayats of 229 changes in the community, water related data and then preparing
 Apr 2020 administrative from the prevailing attitude water budget and Water Security Plans
 For 2020-25 blocks/talukas in 80 of consumption to (WSPs)
districts in Gujarat, conservation & smart water  Improving the capacity of States for
 Rs 6000 Cr
Haryana, Karnataka, management ground water governance through
 Supported by MP, Maharashtra, strengthening of institutions dealing
World Bank Rajasthan and UP with ground water management,
improving ground water monitoring
networks, creation of awareness among
the public
National Water Mission  Quarterly compilation of progress report
To,  Committees: Surface water management, Efficient use of water for
 Comprehensive water database in the public various purposes, Domestic and industrial water management, Policy
domain and assessment of the impact of and institutional framework, Groundwater management, Basin-level
climate change on water resources planning and management
 Promotion of citizen and state actions for  National Water Mission Awards
water conservation, augmentation and
 preservation
 Focused attention on vulnerable areas
including overexploited areas
 Increasing water use efficiency by 20%
 Promotion of basin-level integrated water
resources management
 Jal Shakti Abhiyan
 Jal Jeevan Mission – 2019
o National Rural Drinking Water Mission
o To „enable all households to have access to and use safe &
adequate drinking water within premises to the extent possible‟
by 2030
o To provide functional household tap connection to every rural
household by 2024 – Dec 2023, 72.34%
o Regular testing of water samples at source and delivery points
o Jal Jeevan Mission Urban: With DPIIT, innovation challenge to
develop portable water testing devices
o Catch the Rain campaign (with a tagline „Catch the rain, where
it falls, when it falls‟) on World Water Day (22 Mar 2021)
o To build rainwater harvesting infrastructure, according to the
climatic conditions and subsoil strata in a particular area, to
ensure proper storage of rainwater
o 2023 theme: Source Sustainability for Drinking Water – (1)
water conservation and rainwater harvesting; (2) enumerating,
geo-tagging & making inventory of all water bodies; preparation
of scientific plans for water conservation based on it (3) setting
up of Jal Shakti Kendras in all districts (4) intensive
afforestation and (5) awareness generation

Others:

 National Water Development Agency (NWDA): Inter-Linking of Rivers Project - in cooperation with states and IITs and NITs -
under National Perspective Plan (NPP)
 Setting up of Bureau of Water Use Efficiency (BWUE) in Oct 2022
 Under Central Ground Water Board (CGWB): National Aquifer Mapping and Management Programme, High resolution
aquifer mapping and management in Arid areas of India, Assessment of Ground Water Resources of India [25% of the
assessed talukas under over-exploited to semi-critical cateogries], web-based application IN-GRES (India-Groundwater
Resource Estimation System – with IIT-Hyderabad),
 Flood Management & Border Area Programme (FMBAP) scheme
 National River Conservation Directorate (NRCD) [rivers other than Ganga]
 India-EU Water Partnership (IEWP) Ph II: To enhance cooperation on water issues, including Clean Ganga programme
  National Framework for Sediment Management (NSFM)
 Central Water & Power Research Station (CWPRS): Hydraulic research institute
 Central Soil and Materials Research Station (CSMRS)
 Amrit Sarovars: All rural districts will develop having at least 75 Amrit Sarovars (ponds) totalling about 50,000 Amrit
Sarovars in the country – site approval by Gram Sabha – MoRD, Mo Jal Shakti, Mo Culture, MoPR, MoEF&CC,
Bhaskaracharya National Institute for Space Applications and Geo-informatics (BISAG-N)

Energy
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Pradhanmantri Surya  Must own a house  Save on electricity bill Consumption of – capacity of solar plant
Ghar Muft Bijlee Yojana with a roof that is approximately Rs 1,800 – Rs required – subsidy support
 15 Feb 2024 suitable for 1875, free electricity upto  Up to 150 units – 1 to 2 kW – ₹
 ₹ 75,021 cr installing solar 300 units 30,000 to ₹ 60,000
panels  Making India self-reliant in  150 to 300 – 2 to 3 kW – ₹ 60,000 to
 Must have a valid the energy sector ₹ 78,000
electricity  Additional income for  Above 300 units – above 3 kW – ₹
connection surplus electricity generation 78,000
 Must not have Collateral-free low-interest (0.5% above
availed of any other repo rate) loan products of around 7% at
subsidy for solar present for installation of residential RTS
panels systems up to 3 kW
Unnat Jyoti by  To promote energy efficiency  Payment options: 1. Full cost
Affordable LEDs for All in all households upfront 2. On-bill financing with
(UJALA Yojana)  To save 85 L kWh of initial cost of ₹ 10 and rest ₹
 May 2015 electricity and 15,000 tonnes 10/month on electricity bill – up to
 Also known as of CO2 by replacing 77 cr 8 lights
“LED-based traditional bulbs & CFLs and  Distributing LED bulbs in rural
Domestic Efficient 3.5 cr street lights with LEDs areas under the GRAM UJALA
Lighting Programme scheme – Mar 2021 – by CESL – 7-
(DELP)” watt and 12-watt LED bulbs with 3
year warranty if they submit
working incandescent bulbs – PPP
with Syska LED in Apr 2021
Pradhan Mantri Sahaj Excluded: Non-poor  To achieve 24x7 power for all
Bijli Har Ghar Yojana urban households by 2019
(SAUBHAGYA)  Providing last mile
 25 Sept 2017 connectivity and electricity
 Under Rural connections to all un-
Electrification electrified households in
Corporation (REC) rural and urban poor
Limited  Providing Solar Photo Voltaic
(SPV) based standalone
systems for un-electrified
households located in remote
and inaccessible villages /
habitations
Deendayal Upadhyaya All inhabited un-  Setting up new sub-stations
Gram Jyoti Yojana electrified villages as per and augmentation of old
(DDUGJY) Census 2011 were substation adding 850000
 Dec 2014 electrified by 28 Apr 2018 ckt. of HT&LT lines
 Under REC Limited  Separation of agriculture and of prescribed milestones
 All erstwhile Rural non-agriculture feeders
Electrification (RE)  Adding transformers and
schemes included electrification of villages
across the country
 Off-grid electrification for
villages where grid
connectivity was neither
feasible nor cost-effective
 Launch of web portal and toll-free
number
 Organization of camps by DISCOMs
to facilitate on-the-spot filling up of
appln forms
 Portals/apps by DISCOMs/Power
Departments for
collection/consolidation of
application form in electronic mode
and also capturing progress of
electrification
 Free metered connection for
economically poor households and a
charge of ₹ 500 (adjusted in
electricity bills in 10 monthly
installments) for households other
than poor after release of connection
 SPV-based standalone systems for
households located in remote/
difficult areas
 Flexibility to States in mode of
implementation
60% of the project cost (85% for Special
States) is provided as grant by Govt and
additional grant upto 15% (5% for Special
Category States) provided on achievement
Galvanising Organic Bio-  Houses identified  To support communities to  Standardization of bio-slurry
Agro Resources Dhan by Gram convert their organic waste  RBI‟s inclusion of CBG plants in
(GOBARdhan): Waste to Panchayats (especially cattle dung) to Agri Infrastructure Fund (AIF) and
Wealth  Cluster of Houses wealth Agriculture Infrastructure and
 Under SMB-G identified by Gram  To enhance the income of Development Fund (AHIDF)
 Department of Panchayats with farmers and other rural  Included in the list of activities for
Drinking Water and Co-ops, Milk people trading of carbon credits under
Sanitation Unions, FPOs,  To promote rural bilateral/ cooperative approaches
 1 June 2023 at SHGs, CBOs under entrepreneurship  Central excise duty exemption
Karnal, Haryana DAY-NRLM, Pvt  To promote environmental  Market Development Assistance
 ₹ 1451.82 Crore for entrepreneurs sanitation and curb vector- (MDA) Scheme
3 years (FY 2023-24  Entrepreneurs / borne diseases through  Extension of CBG- CGD
to FY 2025-26) Co-ops / effective disposal of waste synchronization scheme of MoPNG
Gaushalas / for 10 years i.e. up to 2024
Dairies, etc. setup  Revival of the Waste to Energy
large biogas / CBG Scheme of the Ministry of New and
plants (also under Renewable Energy (MNRE)
SBM-U)  Launch of Unified Portal
 Priority: Villages
with high cattle
population
Pradhan Mantri Kisan  Individual / group  To make cutting-edge  Component A: Install a total of
Urja Surakshaevam of farmers technology available to 10GV grid-connected stilt-mounted
Utthaan Mahabhiyan  Farmer Producer farmers and provide sources decentralized solar plants and RE
Yojana (PM-KUSUM) Organizations for de-dieselized irrigation to power plants sized upto 500KW to
 Mar 2019  Panchayat the agricultural sector 2MV
 ₹ 34,422 cr  Co-operatives  Aggregate Solar plants with  Component B: Install stand-alone
 Ministry of New and  Water User 28,250 MW capacity solar pumps of up to 7.5HP
Renewable Energy Associations construction by GoI individual capacity & worth ₹ 17.5 L
 To sell the extra power  Component C: Provide financial
generated by the plants support to Solaris 10 L grid-
directly to GoI connected agricultural pumps of
7.5HP of capacity each.
Subsidy of 60% and provide a loan of 30%
of total cost - farmers bear 10% of total
cost of solar plants/pumps
Pratyaksh Hanstantrit Labh (PAHAL)
 1 June 2013 in 6 phases
 DBT for LPG
“Largest cash transfer scheme” under Guinness
 Removing incentives for diversion
 Protect the entitlement and ensure the payment of subsidy to the
consumers
 Improving the availability or delivery of LPG cylinders for genuine
customers
 Eliminating fake or duplicate connections
 Providing self-selection in subsidy

Pradhan Mantri Ujjwala Yojana (PMUY)  To provide concessional LPG connections to the whole country by 2019
 All SC/ST beneficiaries of PMAY-G  To reduce reliance of vulnerable families on fossil fuels
 Beneficiaries AAY  Govt. to bear administrative cost of ₹ 1,600 for the connection, which
 Forest dwellers includes a cylinder, pressure regulator, booklet and safety hose
 Women MBC  Offer interest-free loans to purchase stove and refill from oil marketing
 Tribal women working or who have previously companies
worked in tea gardens
 People residing in islands and river islands
Sustainable Alternative To set up 5000 CBG Procurement of Municipal solid waste, sugar industry waste and agricultural
Towards Affordable plants for production of residue for bio-mass waste in the form of CBG and bio-manure via oil and gas
Transportation (SATAT) 15 Million Metric Ton CPSEs to use as green fuel
 Oct 2018 (MMT) per annum of CBG
 MoP&NG by 2023-24

Green Hydrogen Mission
 15 Aug 2021
 Ministry of New and Renewable Energy (MNRE )
 Total: Rs 19,744
o Strategic Interventions for Green
Hydrogen Transition (SIGHT): Rs 17,490
cr
o Pilot projects: Rs 1,466 cr
o R&D: Rs 400 – Others: ₹ 388 cr
 To promote the development of green hydrogen production capacity of at
least 5 MMT (Million Metric Tonne ) per annum with an associated
renewable energy capacity addition of about 125 GW in the country by
2030
 SIGHT: Financial incentives to support Green Hydrogen producers for
setting up production facilities of 450,000 tons and Electrolyser
Manufacturers for 1.5 GW annual Electrolyser manufacturing capacities
 Others:

 About 13.5 GW renewable energy capacity added during 2023

 India, 4th globally in Renewable Energy Installed Capacity, 4th in Wind Power capacity and 5th in Solar Power capacity [as
per International Renewable Energy Agency - Renewable capacity statistics 2023]
 Scheme for Development of Solar Parks and Ultra Mega Solar Power Projects
 JaivIndhan-Vatavaran Anukool Fasal Awashesh Nivaran Yojana (PM JI-VAN): Making progressive Blending/Substitution of
fossil fuels for achieving Green House Gas emission reduction targets - Viability Gap Funding (VGF) to Second Generation
(2G) Integrated Bioethanol Projects - by Centre for High Technology (CHT) under MoP&NG
 Revamped Distribution Sector Scheme (RDSS): To help DISCOMs improve their operational efficiencies and financial
sustainability by providing result-linked financial assistance
 National Smart Grid Mission (NSGM): Assessments for Smart Distribution cities under Ministry of Power – technical
assistance of USAID‟s South Asia Regional Energy Partnership (SAREP)
 Street Lighting National Programme (SLNP): To replace conventional street lights with LED lights

Urban development
Atal Mission for Rejuvenation and Urban
Transformation (AMRUT)
 25 June 2015 in selected 500 cities and
towns
 MoH&UA
 Currently AMRUT 2.0
 1 Oct 2022 – FY 2021-22 to FY 2025-26
 To provide universal coverage of water
supply through functional taps to all
households in all the statutory towns in
the country and coverage of
sewerage/septage management in 500
cities covered in first phase of the
AMRUT scheme
 Pey Jal Survekshan: equitable distribution of water, reuse of wastewater,
mapping of water bodies and promote healthy competition
 Technology Sub-Mission for water to leverage latest global technologies in the
field of water
 Information, Education and Communication (IEC) campaign to spread
awareness among masses about conservation of water
 City Water Balance Plan (CWBP): Promote circular economy of water
 Focus on recycle/reuse of treated sewage
 Rejuvenation of water bodies and water conservation
 Identify scope for projects focusing on universal coverage of functional water
tap connections, water source conservation, Rejuvenation of water bodies and
wells, recycle/reuse of treated used water, and rainwater harvesting
 Reduction of non-revenue water and recycle of treated used water
 Urban planning
Smart Cities Core infrastructure elements:
 25 June 2015  Adequate water supply
 Ministry of Urban Development -  Assured electricity supply
expected to complete between 2019 and  Sanitation including solid waste management
2023  Efficient urban mobility and public transport
 To promote sustainable and inclusive  Affordable housing, especially for the poor
cities that provide core infrastructure to  Robust IT connectivity and digitalisation
give a decent quality of life, a clean and
 Good governance, especially e-governance and citizen participation
sustainable environment through
application of some smart solutions  Sustainable environment
such as data-driven traffic  Safety and security of citizens, particularly women, children and the elderly
management, intelligent lighting  Health and education
systems, etc.
Pradhan Mantri Awas  EWS: Under 3 LPA Affordable  Credit Linked Subsidy Scheme (CLSS): Create
Yojana (PMAY)  Low-Income Groups housing to all affordable housing for EWS and LIG - A loan of
 2016 (LIG): 3 LPA to 6 LPA citizens by 2022 up to ₹ 9L at 4% discount rate or up to ₹ 12L at
 PMAY-U: 1.12 cr  Middle-Income Groups 3% discount rate.
houses for urban (MIG): MIG I - Under  Affordable Housing Projects (AHP): Collab with
poor 12 LPA and MIG II - 12 private/public developer to develop affordable
 PMAY-G: 2.95 cr LPA to 18 LPA housing systems - ₹ 2.5L
houses for rural  Others: SC, ST, BPL,  Beneficiary-Led Construction (BLC): Grant loans
poor next of kin and widows to EWS - ₹ 2.5L
of paramilitary and  CLSS for MIG under PMAY-U extended in May
military forces, ex- 2020 – 1.2L for plains and 1.3L for hills
servicemen, freed Affordable rental housing complexes (ARHCs): 2020 –
bonded labourers, urban migrants / poor from EWS, urban poor, factory
senior citizens workers & educational / healthcare workers
Global Housing Technology Challenge- India (GHTC-
India)
LiFE - Lifestyle for Environment

 Launched 26th session of the Conference of the Parties
(COP26) to the United Nations Framework Convention on
Climate Change (UNFCCC), Glasgow, UK
 To create and nurture a global network of individuals,
namely „Pro-Planet People‟ (P3), who will have a shared
commitment to adopt and promote environmentally
friendly lifestyles
 Replace current “use-disuse” economy with a circular
economy
 Three phases:
o Change in Demand (Phase I): Nudging individuals
across the world to practice simple yet effective
environment-friendly actions in their daily lives
o Change in Supply (Phase II): Gradual changes in
large-scale individual demand to nudge industries
and markets to respond and tailor supply and
procurement as per the revised demands
o Change in Policy (Phase III): By influencing the
demand and supply dynamics to fit sustainable
consumption and production
Green Credit Program (GCP): Incentivizing Environmental
Actions
 13 Oct 2023
 Market-based mechanism designed to incentivize
voluntary environmental actions across diverse sectors
 Program implementation, maangement, monitoring: An
inter-ministerial Steering Committee and The Indian
Council of Forestry Research and Education (ICFRE)
 Ph 1 - Water conservation and afforestation
 Creation of criteria for awarding, buying and selling of
Green Credits via The Green Credit Registry and trading
platform, being developed by ICFRE
Ecomark Scheme: Promoting Eco-Friendly Products
 13 Oct 2023
 Accreditation and labelling for household and consumer
products that meet specific environmental criteria while
maintaining quality standards as per Indian norms
 Adminstered by The Central Pollution Control Board with
Bureau of Indian Standards (BIS)

Others: RACHNA (Resilient Affordable Comfortable Housing through National Action)

Digital India / e-Governance

Digital India Components - [targets]:
 Extended to 2021-22 to 2025-26  FutureSkills PRIME Programme: Re-skilling and up-skilling [6.25 L IT
 ₹14,903.25 cr professionals]
 Information Security & Education Awareness Phase (ISEA) Programme:
Training in information security [2.65 L people]
 UMANG: Addition of 540 services
 National Super Computer Mission [adding 9 more]
 Bhashini: AI-enabled multi-language translation tool [rolled out in all 22
Schedule 8 languages]

India Stack
 Set of APIs that allows governments,
businesses, startups and developers
to utilise an unique digital infra
 Pro-bono partner: Open API team -
iSPIRT
 First country to develop all three
foundational DPIs, Digital identity
(Aadhar), Real-time fast payment
(UPI) and Account Aggregator built
on the Data Empowerment
Protection Architecture (DEPA)
 APIs considered to be societal
platforms built on similar principles
like India Stack: Goods and Services
Tax Network (GSTN), Bharat Bill
Payment System (BBPS), Electronic
Toll Collection (FASTag)
e-Governance
 Modernisation of the National Knowledge Network (NKN)
 DigiLocker to be availed to MSMEs and corporates
 Support of 1,200 startups in Tier 2/3 cities
 National Cyber Coordination Centre: Development of tools and integration of
more than 200 sites
 Cyber Aware Digital Naagrik [12 cr people]
Technology layers:
 Presence-less layer: Universal biometric digital identity for anywhere usage
 Paperless layer : Where digital records move with an individual's digital identity
 Cashless layer : Single interface to all the country's bank accounts and wallets
 Consent layer : Allows free movement of data
APIs included in India Stack
 Aadhaar Authentication
 Aadhaar e-KYC
 eSign
 Digital Locker
 Unified Payment Interface (UPI)
 Digital User Consent (still work in progress)
Utility
 Citizens : Brings millions of Indians directly into the formal economy
 Software ecosystem: Fosters innovation to build products for financial
inclusion, healthcare & educational services at scale
 Government: Paradigm shift in the way government services are delivered in a
transparent, accountable and leakage free model
 Common Services Centres (CSCs): Offer government and business services in
digital mode in rural areas through Village Level Entrepreneurs (VLEs)
 Unified Mobile Application for New-age Governance (UMANG): For providing
government services to citizen through mobile
 e-District Mission Mode Project (MMP): e-Services such as Certificates (Birth,
Caste, Death, Income and Local Resident), Pension (Old Age, Disability and
Widow), Electoral, Consumer Court, Revenue Court, Land Record and services
of various departments such as Commercial Tax, Agriculture, Labour,
Employment Training & Skill Development etc.
 DigiLocker: Paperless availability of public documents
  Unified Payment Interface (UPI)
 CO-WIN: Registering, scheduling & providing vaccination certificates for
COVID-19
 MyGov: Citizen engagement platform that is developed to facilitate
participatory governance
 MeriPehchaan: National single sign-on platform to provide ease of access to
government portals
 MyScheme: To facilitate citizens to avail eligibility-based services.
 Aadhar enabled DBT
 PM e-Vidya
 Open Government Data: To facilitate data sharing and promote innovation over
non-personal data
 API Setu: To facilitate data exchange among the system
 National e-Governance Services Limited - Digital Document Execution (NeSL-
DDE) platform: Insolvency and Bankruptcy Board of India with Department of
Financial Services, Ministry of Finance - To digitise all the steps of the
document/ agreement execution journey of states and banks (also used for
bank guarantees)
 Other apps/portal in App/Portal section
IndiaAI Mission Components:
 Rs 10,300 cr  IndiaAI Compute Capacity: To erect a cutting-edge, scalable AI computing
infrastructure by deploying over 10,000 Graphics Processing Units (GPUs)
through strategic public-private collaborations
 IndiaAI Innovation Centre (IAIC): Academic institution to ensure streamlined
implementation and retention of top research talent
 IndiaAI Datasets Platform: To enhance accessibility, quality, and utility of
public sector datasets for data-driven governance and catalyzing AI-based
innovation and research
 IndiaAI FutureSkills: Expanding the reach of AI education by increasing the
accessibility of graduate and post-graduate AI programs, establishing Data &
AI Labs
 IndiaAI Application Development Initiative
 IndiaAI Startup Financing
 Safe & Trusted AI
Others:

 Inter-ministerial steering committee on Fintech

 Joint Working Group on Fintech (international cooperation)
 International Financial Services Centre Authority
 Digital India Act 2023
 ONDC
 National Digital Health Mission (NDHM)
 National Broadband Mission and Bharat Net
 AI Research, Analytics and knowledge Assimilation (AIRAWAT): A proposed cloud platform for Big Data analytics with
advanced AI processing capabilities to assist in the R&D of new technologies
 National Strategy on Artificial Intelligence (NSAI): NITI – “AI for All” - safe and responsible use of AI
o Barriers analyzed: a) lack of broad-based expertise in research and application of AI, b) absence of enabling data
ecosystems, c) high resource cost and low awareness for adoption of AI, d) privacy and security and e) absence of
collaborative approach to adoption and application of AI
o Solution proposed: Two-tiered structure to address India‟s AI research aspirations: a) CORE (Centre of Research
Excellence) which will focus on developing a better understanding of existing core research and pushing technology
frontiers through the creation of new knowledge and b) ICTAI (International Centers of Transformational AI) which will
have a mandate of developing and deploying application-based research
 UNDERSERVED DEVELOPMENT

Rural development
NAME & ABOUT OBJECTIVES BENEFITS
Shyama Prasad To stimulate local economic development,  Skill development training linked to economic
Mukherji Rurban enhance basic services, and create well activities
Mission planned Rurban clusters [a cluster of  Agro Processing, Agri Services, Storage and
 21 Feb 2016 from geographically contiguous villages with a Warehousing
Rajnandgaon, population of about 25000 to 50000 in plain  Fully equipped mobile health unit
Chhattisgarh and coastal areas and with a population of  Upgrading school/higher education facilities
 ₹ 5142.08 cr 5000 to 15000 in desert, hilly or tribal areas]  Sanitation
 Aibawk cluster in  Provision of piped water supply
the Aizwal district  Solid and liquid waste management
of Mizoram - 1st  Village streets and drains
cluster to be  Street lights
completed  Inter-village road connectivity
 Public transport
 LPG gas connections
 Digital Literacy Citizen Service Centres - for
electronic delivery of citizen centric services/e-gram
connectivity
Saansad Adarsh Gram  Leveraging the leadership, capacity,  Using the Member of Parliament Local Area
Yojana commitment and energy of MPs to Development Scheme (MPLADS) funds
develop model Gram Panchayats  SAHYOG: 35-point outcome indicator covering basic
 To improve the standard of living amenities, education, health, sanitation, livelihood,
 Generate models of local level women empowerment, financial inclusion, food
development and effective local security, social security and e-governance to gauge
governance the impact of SAGY in the Gram Panchayats
 Community mobilization
 Converging different government
programs and private / voluntary
initiatives
 Building partnerships with voluntary
organizations, cooperatives, academic,
 research institutions
Revamped Rashtriya  To develop the governance capabilities of  Monitoring under Training Management Portal (TMP)
Gram Swaraj Abhiyan the Panchayats to deliver on localized  Meri Panchayat App (m-Governance app) by NIC
 2022-23 to 2025- SDGs
26  Capacity building of elected
representatives of PRIs
Gram Panchayat  Poverty Free and Livelihood Enhanced  Gram Panchayat plans uploaded on eGramSwaraj
Development Plan Village (eGS) along with Public Financial Management
(GPDP)  Healthy Village System (PFMS) books the expenditure of 15th
 Performed every  Child Friendly village Finance Commission Grants by PRIs.
year from 2 Oct to  Villages with Adequate Water  Online audits of PRIs carried under Audit Online
31 Dec under  Clean and Green Village under e-Panchayat Mission Mode Project (MMP)
People‟s Plan  Village with Independent Infrastructure  e-GramSwaraj-GeM interface enabled for “Vocal for
Campaign (PPC)  Socially Just and Secure Village Local”
 PPC 2023 for  Village with Good Governance  Mission Antyodya [State-led initiative to converge
preparation of  Woman friendly Village government interventions with Gram Panchayats as
Panchayat the basic unit for planning by following a saturation
Development Plans approach by pooling resources - human and
(2024–2025) financial - to ensure sustainable livelihoods]: To lend
launched support to the process of participatory planning for
Gram Panchayat Development Plan (GPDP)
A Scheme for  LBIs: Any agency/institution or any Livelihood Business Incubator (LBI): Entity to impart skill
Promoting Innovation, Private Institution under PPP mode with development and incubation programs to promote
Rural Industry & any agency of Centre / State entrepreneurship and employment
Entrepreneurship  TBIs: Existing Incubation Centers / Technology Business Incubator (TBI)
(ASPIRE) National / Regional institutions of Centre  To promote youths to incubate new and innovative
 16 Mar 2015 / State ideas in agro-rural space by providing basic
 MoMSME  New TBIs can be set up by Industry incubation facilities
 ₹ 210 cr Associations, Academic Institutions,  Max. ₹ 1 cr for new TBIs and ₹ 30 L for existing for
R&D labs, Universities, Govt. entities procurement of plants and machinery
and Technology Parks ASPIRE Fund of Funds (FoF): Managed by SIDBI - to invest
through Alternate Investment Funds (AIFs) in early-stage
scalable start-ups in need of support - total corpus: ₹ 310
crore
Pradhan Mantri Awas  SC and ST  ₹ 1.2 L in plain and 1.3 L in hilly areas/difficult
Yojana Gramin  Non-SC/ST and minorities under BPL areas /Integrated Action Plan (IAP) for Selected Tribal
(PMAY-G)  Freed bonded labourers and Backward Districts
 1 Apr 2016  Next of kin and widows of paramilitary  25 sq.m including a dedicated area for hygienic
 Gram Sabha forces and individuals killed in action cooking
involved in  90 days of unskilled labour from MGNREGA
 Ex-servicemen
prioritizing  Can avail loan of up to ₹ 70 K for construction
 Those under a retirement scheme
beneficiaries (optional)
 Direct electronic fund transfer

Five Star Village To promote:

 Sep 2020
 To bridge the gap between public awareness
and reach of postal products & services,
especially in interior villages
 launched on a pilot basis in Maharashtra
 To promote all postal products and services
available at village-level, with an aim to
ensure that a minimum of 100 households
are covered under postal products
 Savings Bank Accounts, Recurrent Deposit Accounts and NSC (National
Savings Certificates) / KVP (Kisan Vikas Patra scheme) certificates
 Sukanya Samridhi Accounts / PPF Accounts
 Funded Post Office Savings Account linked to India Post Payments Bank
Accounts
 Postal Life Insurance Policy / Rural Postal Life Insurance Policy
 Pradhan Mantri Suraksha Bima Yojana Accounts / Pradhan Mantri Jeevan
Jyoti Bima Yojana Accounts

Deendayal Antyodaya Yojana – National Rural Livelihood Mission (DAY-NRLM)

 June 2011 by restructuring Swarna Jayanti Gram
Swarozgar Yojna (SGSY), then in Nov 2015 as NRLM,
then in Mar 2016 as DAY-NRLM
 To cover 7 Crore rural poor households, across 600
districts, 6000 blocks, 2.5 lakh Gram Panchayats
and 6 lakh villages in the country through self-
managed Self Help Groups (SHGs) and federated
institutions and support them for livelihoods
collectives in a period of 8-10 years
 To reduce poverty by enabling the poor households
to access gainful self-employment and skilled wage
employment opportunities, resulting in appreciable
improvement in their livelihoods on a sustainable
 Universal Social Mobilisation - At least one woman member from
each identified rural poor household, is to be brought under the Self
Help Group (SHG) network. Emphasis on manual scavengers,
victims of human trafficking, PVTGs, PwDs and bonded labour
 Participatory Identification of Poor (PIP) - Inclusion of the target
group under NRLM is determined by a well-defined, transparent
and equitable process of participatory identification of poor. NRLM
Target Group (NTG) derived through the PIP is de-linked from the
BPL. Households with at least one deprivation criteria are chosen
based on SECC 2011.
 Community Funds as Resources in Perpetuity - Provision of
Revolving Fund (RF) and Community Investment Fund (CIF) to
strengthen their institutional and financial management capacity
 basis, through building strong grassroots institutions
of the poor
Aajeevika Grameen Express Yojana
 2017-18 to 2019-20
 To provide an alternative source of
livelihoods to members of SHGs
under by facilitating them to
operate public transport services in
backward rural areas thus
providing community-monitored
and affordable transport to those
areas
Mahila Kisan Sashaktikaran
Pariyojana (MKSP)
 To create sustainable agricultural
livelihood opportunities for women
in farm and non-farm based
activities thereby ensuring food
and nutrition security to
and build their track record to attract mainstream bank finance
 Financial Inclusion - 1. Promotes financial literacy among the poor
and provides catalytic capital to the SHGs and their federations 2.
Coordinates with the financial sector and encourages use of
Information, Communication & Technology (ICT) based financial
technologies, business correspondents and community facilitators
like „Bank Mitras‟
 Livelihoods - Stabilizing and promoting existing livelihood portfolio
of the poor through three pillars – „vulnerability reduction‟ and
„livelihoods enhancement‟ through deepening/enhancing and
expanding existing livelihoods options and tapping new
opportunities in farm and non-farm sectors; „employment‟ - building
skills for the job market outside; and „enterprises‟ - nurturing self-
employed and entrepreneurs (for micro-enterprises).
 Convergence and partnerships: Various MoUs, NGOs, CSOs, PRIs
 Rural Self Employment Training Institutes (RSETIs): Built on the
model pioneered by Rural Development Self Employment Institute
(RUDSETI) – a collaborative partnership between SDME Trust and
Canara Bank – PSBs encouraged to set up RSETIs
 Option I: Vehicle to be financed by the Community Based Organisations (CBOs) out of
its CIF corpus where vehicle is leased (no interest) to SHG member (who bears
running costs like fuel) – All tax, insurance and maintenance related to vehicle borne
by CBO not exceeding ₹ 2 L per vehicle – cost of the vehicle recovered from the SHG
member over a max period of 6 years – vehicle can be transferred to SHG member or
sold
 Option II: CBO provides interest free loan from its CIF corpus to SHG member for
purchase of the vehicle who will repay loan max of 6 years and bear all maintainence
and running costs – ownership of vehicle transferred to member after repayment
 Organization and mobilization of women in agriculture into groups (SHGs/
Federations / Women Farmer organizations) with capacity-building
 Enhanced access to assets (leasing of water bodies and land etc)
 Knowledge dissemination strategy, training / demonstrations, farmer-scientist
interactions, exposure visits etc.
 Agriculture and Allied sector activities as also the post-harvest processing
 Improving market access
 household and community
 To enable women to have better
access to inputs and services of the
government and other agencies
Start-up Village Entrepreneurship
Program (SVEP)
 To address a missing knowledge
eco-system, incubation eco-system
and financial eco-system in rural
start-up eco-system
National Rural Livelihoods Project
(NRLP)
Interest Subvention Scheme for
Women SHGs
 During 2024-25 for all PSBs,
PVBs, SFBs
 Implemented for banks through a
 Drudgery reduction through effective use of gender - friendly tools and transfer of
technologies
 Management of risk associated with climate change.
 Building community institutions for Tribal women in Non-Timber Forest produce
(NTFP) collection
 Building Private Public Panchayat Partnership (PPPP) models around select key NTFP
items targeting about 10 L tribal households
 Enhancing access to value-addition technology and other tech required
 Supplying/publishing real-time market information to all stakeholders
 Investments in infrastructure facilities (storage, processing, logistics, working capital
management etc.)
 Assured availability of need based financial support, capacity building and advisory
services for establishment of village enterprises by bringing banks and financial
institutions closer to the village entrepreneur
 Support creating and strengthening of 1,82,200 village enterprises in 125 blocks
across 24 States in the country over a 5 year period from 2014-15 to 2018-19
 To be extended to all blocks based on the success of this initial phase of 5 years – can
reach 1 cr rural entrepreneurs and employment for over 2 cr people over the next 12 –
15 years
 Designed as a sub-set of NRLM to create „proof of concept‟
 Build capacities of the Centre and States and create an enabling environment to
facilitate all States and Union Territories to transit to the NRLM
 Implemented in 13 high-poverty states accounting for about 90% of the rural poor in
the country
 Intensive livelihood investments would be made by the NRLP in 107 districts and 422
blocks of 13 states (Assam, Bihar, Chhattisgarh, Jharkhand, Gujarat, Maharashtra,
Madhya Pradesh, Orissa, Rajasthan, Uttar Pradesh, West Bengal, Karnataka and
Tamil Nadu)
 Distribution of project funds among the states would be based on inter-state poverty
ratios
Loans:
 ₹3 lakh - concessional interest rate 7% per annum
 Above ₹3 lakh and up to ₹5 lakh – interest rate = bank‟s 1 year-MCLR or any other
external benchmark based lending rate or 10% per annum, whichever is lower
Outstanding credit balance during FY 2024-25:
 Nodal Bank (2024-25: Indian
Bank) selected by MoRD
Women Enterprise Acceleration Fund
 Managed by Indian Bank for 2024-
25
Other bank facilities
Khadi and Gramodyog Vikas Yojana (KGVY) – 2019
 Modified Market Development Assistance
(MMDA) Scheme
 Interest Subsidy Eligibility Certificate (ISEC)
Scheme
 Workshed Scheme for Khadi Artisans
 Strengthening of Infrastructure of Existing
Weak Khadi Institutions and Assistance for
Marketing Infrastructure
 Upto ₹3 lakh - subvented at 4.5% per annum
 Above ₹3 lakh and upto ₹5 lakh - subvented at 5% per annum
 Reimbursement of actual credit guarantee fees incurred by banks/financial
institutions for taking credit guarantee cover under Credit Guarantee Fund Trust for
Micro and Small Enterprises (CGTMSE) or Credit Guarantee Fund for Micro Units
(CGFMU) for providing loans to individual women SHG members under DAY-NRLM for
loans up to ₹5 Lakh for a maximum period of 5 yea₹ For loans above ₹5 lakh,
proportionate credit guarantee fee - only once
 Interest subvention of 2% for prompt repayment
 Interest subvention to SHGs on loan outstanding up to ₹1.5 lakh per borrower - only
up to ₹1.5 lakh in case outstanding is higher - subvention for max 3 years - only once
 Cash Credit Limit (CCL): minimum loan of ₹6 lakh to each eligible SHG for a period of
3 years with a yearly drawing power (DP) which may be enhanced annually based on
the repayment performance of the SHG
 Loans up to ₹10 lakh to individual members of select matured well performing SHGs
(SHGs which are more than 2 years old and have accessed at least one dose of bank
loan with timely repayment)
 Minimum OD facility of ₹5000 to every woman SHG member having PMJDY account
 Willful defaulters not financed under DAY-NRLM
 Prepare a list of defaulting SHGs under DAY-NRLM every month and furnish the list
in the Block Level Bankers Committee (BLBC) and District Consultative Committee
(DCC) meetings
 Financial Literacy Centers (FLC) established by various banks may coordinate with
respective SRLMs and utilize the services of Financial Literacy Community Resource
Persons (FL-CRPs) to conduct village camps on Financial Literacy
Sub-schemes:
 Khadi Vikas Yojana - Increasing Khadi Production, sales, number of
artisans and also employment opportunities. Under this, financial
assistance is also provided for improving Infrastructure for Khadi
Production
 Gramodyog Vikas Yojana - Promoting traditional skills of rural artisans to
meet developmental needs of the Village Industry sector
 Khadi Grant – Meeting establishment expenses of KVIC Officers/employees
 Schemes for Khadi under MoMSME: Coir Industry Technology Upgradation Scheme, Skill Upgradation and Mahila Coir Yojana,
Export and domestic market promotion, Trade Information data and HR training facilities info dissemination, Enrollment of coir
workers under Pradhan Mantri Suraksha Bima Yojana (PMSBY), Interest subvention of 4%, Work-Shed Scheme for Khadi
Artisans, Strengthening of Infrastructure of Existing Weak Khadi Institutions and Assistance for Marketing Infrastructure, Rojgar
Yukt Gaon, Mission Solar Charkha

SC/OBC
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Venture Capital Fund for Common criteria:  To promote  Financial assistance:
Backward Classes  Projects/units in entrepreneurship o Up to ₹ 5 crore -
 2014-15 manufacturing, services and amongst the Backward Investment upto 75% of
 Initially for SCs, now allied sector, including start- Classes (BC) who are project cost
OBCs included and ups oriented towards o Above ₹ 5 crore
renamed (2018)  At least 30% fund for women innovation and growth Investment upto 50% of
 AIF regulations 2012 entrepreneurs technologies. project cost
under SEBI, GoI: For firms needing assistance up to  To provide  Tenure of assistance: Up to 10
Anchor investor and ₹ 50 L: concessional finance to years including moratorium
IFCI Venture Capital  Old: min. 51% shareholding the BC entrepreneurs period in case of debentures.
Fund Ltd: Sponsor by BCs for the past 6 months and increase financial  Investment size: ₹ 20 lakhs to ₹
investor with management control inclusion of BCs 15 Crore – Aggregate assistance
 Initial capital: ₹200 cr  New: Operational for 6  To enhance direct and not more than 2 times the
 31st Mar 2039 and months, previous company indirect employment current net worth of the
extendable up to 31st min. 51% shareholding by for BCs Company
Mar 2041 BCs
Credit Enhancement  Individual SC Entrepreneurs Provide Credit Enhancement  Max guarantee of ₹ 5 cr to
Guarantee Scheme for  Registered Companies / Guarantee to Member MLIs/banks
Scheduled Castes Societies / Partnership / Lending Institutions (MLIs)  Collateral-free loans
(CEGSSC) Proprietorship firms with to provide those loans (Term  Initial guarantee of loan - 1
 2014-15 more than 51% shareholding Loan, Composite Term Loan, year, renewed yearly. Max 7
 MoSJE by SC entrepreneurs / Working Capital) to SC years or repayment period,
 Initial corpus – ₹ 200 promoters / members with entrepreneu₹ for availing whichever is earlier
cr management control existing Loans availed - guarantee cover
 Nodal Agency – IFCI min. 6 months  ₹ 15 L to ₹ 1 cr - 100%
Ltd  From ₹ 1 cr to ₹ 2 cr - 80%
  From ₹ 2 cr to ₹ 5 cr - 70%
 Above ₹ 5 cr - 60%
Fees Payable for guarantee cover
depending on loan amount and time
of renewal:
 Banks/MLIs – 0.20% to 0.75%
p.a.
 SC women and SC PwD –
0.10% to 0.50% p.a.
Stand Up India Greenfield enterprise To facilitate collateral-free  Loans between ₹ 10 L and ₹.1
 5 Apr 2016 manufacturing, services, agri-allied composite loan (including cr
 Dept of Financial activities or trading sector where at term loan and working  Loan size: 85% of project cost
Services, MoF least 51% of shareholding and capital) between ₹ 10 L and ₹  Interest: Lowest applicable rate
 Included under the controlling stake SC/ST or women 1 cr to at least one SC or ST of the bank for that category
ambit of Suvidha entrepreneur aged above 18 borrower and one woman not exceeding Base Rate + 3% +
Loan Scheme and borrower per bank branch Tenor Premium
Utkarsh Loan Scheme Excluded: if support from any  Collateral security or guarantee
under National other scheme exceeds 15% of of Credit Guarantee Fund
Scheduled Castes project cost Scheme for Stand Up India
Finance And Loans (CGFSIL) as decided by
Development banks
Corporation  Repayment: 7 years with 18
months moratorium
 Working Capital: Up to 10L by
overdraft
 Rupay debit card
 Margin Money: 15%
Vanchit Ikai Samooh aur OBCs: To provide the direct benefit of a
Vargon ko Aarthik  Members of Backward Classes lower rate of interest to the eligible
Sahayata Yojana (VISVAS)  OBC Antyodaya Anna Yojana (AAY) cardholders beneficiaries who have availed loans
for SC & OBC  OBC individuals facing 3 or more Deprivations in SECC- through PSBs, RRBs and lending
 MoA with the Central 2011 institutes to OBC/SC Self Help
Bank of India and  OBC beneficiaries in agri activities covered under PM KISAN Groups (SHGs) or individuals
Punjab National Bank  SHGs registered with NRLM / NULM / NABARD with 2+
years of credit history  Max loan limit for SHG: ₹
SC: 4,00,000

National SC-ST Hub
Scheme (NSSH)
 2016
 MoMSME
Residential Education for
Students in High Schools
in Targeted Areas
(SHRESHTA)
 MoSJ&E
To enhance the reach of
development Intervention of
the Government and to fill
the gap in service deficient
SCs dominant areas, in the
sector of education through
the efforts of grant-in-aid
institutions (run by NGOs)
and residential high schools
offering high quality
education and to provide
environment for socio
economic upliftment and
overall development of SCs
 NSFDC recognized SHGs with NRLM / NULM / NABARD  Max loan limit for ind.: ₹
 SCs with Valid Annual Income Certificate 2,00,000
 AAY cardholders  Max Subvention: 5% per
 Other individuals facing 3 or more Deprivations in SECC- annum
2011
 Those in Agri activities getting coverage under PM KISAN
Capacity enhancement of SC-  Focus on SC-ST run MSEs
ST entrepreneurs and  15 National SC-ST Hub Offices (NSSHOs) by National Small
promoting “entrepreneurship Industries Corporation (NSIC) - support to the SC-ST MSEs for
culture” amongst the SC-ST Udyam registration, GeM enrolment, tender participation, credit
population facilitation and organizing Awareness Programs / Conclaves /
Special Vendor Development Programs, etc.
 Mandated target of 4% procurement from SC-ST enterprises under
Public Procurement Policy by the Ministries, Departments and
CPSEs
 Evaluation study of the scheme through NITCON Ltd in 2020
Mode 1 excluded: Schools Mode 1: SHRESHTA schools (Best CBSE/State Board affiliated Private
funded by Centre (NVS/EMRS Residential Schools)
[under 10% quota] / KGBV /  Selection of meritorious SC (approx) 3000 students through
State Govt. school etc.), funded National Entrance Test for SHRESHTA (NETS) of NTA to be
under PM-AJAY / Samgra admited in the best private residential schools affiliated by
Shiksha Scheme CBSE/State Boards (having more than 75% pass in boards for 3
consecutive years) in IX and XI-XII
Mode 2:  Family annual income: upto 2.5 LPA
 NGOs registered on NGO  School tuition fees and hostel fees to be paid according to the
DURPAN portal Class - ₹ 1 L for IX, 1.1 L for X, 1.25 L for XI and 1.35 L for XII
 Reputed school chain,  Bridge course for selected students to adapt into school - 10% of
CSR foundation, reputed annual bridge course to be taken by Govt
organization running Mode 2: NGO/VO operated Schools/Hostels (existing component)
good quality schools  Schools/Hostels run by VOs/NGOs & other organizations having
affiliated to State / higher classes (upto class 12) and who have been receiving Grant-
Central Boards in-aid will be continued, subject to satisfactory performance.
 School and residential fees paid by Govt - grant per SC student 
₹ 44 K primary residential, ₹ 27 K primary non-residential, ₹ 30 K
for primary hostel, ₹ 55 K for secondary residential, ₹ 35 K for
secondary non- residential & 30 K for secondary hostel
PM Young Achievers’  OBC, EBC, DNT
Scholarship Award  Income not more than
Scheme for a Vibrant 2.5 LPA for scholarships
India (PM YASASVI)  Students from
 MoSJ&E households with three or
 2021-22 to 2025-26 more deprivations as per
SECC-2011
 Students from
households where one or
both the parents are
illiterate
Differential Rate of Weaker sections of the
Interest (DRI) community for engaging in
productive and gainful
activities
Pre-Matric Scholarship:
 Class IX and X on a full-time basis in Govt Schools only
 Academic allowance: ₹ 4 K per annum
Post-Matric Scholarship:
 Post-matriculation or post-secondary stage
 Allowance: ₹ 5 K to ₹ 20 K as per category
Top Class School Education: For schools with 100% in X & XII –
Scholarship to OBC, EBC and DNT students in these schools
 ₹ 75 K per annum for IX & X
 ₹ 1.25 L per annum for XI & XII
Top Class College Education
After admission in notified institutes,
 2 L per annum for private institutes full tuition fee and non-
refundable charges
 3.72 L per annum for the private sector flying clubs for
Commercial Pilot Training and Type Rating Courses full tuition
fee and non-refundable charges
 Living expenses: ₹ 3 K per month
 Books and stationery: ₹ 5 K per annum
 A latest computer/laptop of reputed brand with accessories like
UPS and printer limited to ₹ 45 K
Construction of Hostel for OBC Boys and Girls
 ₹ 3 L * no. of seats per hostel and ₹ 3.5* no. of seats L for NE,
Uttarkhand and HP
 60: 40 funding for boys hostel (In NE, Uttarkhand, HP 90:10) and
90:10 funding for girls
 Also extended to reputed institute ranked in NIRF ranking (100%
funding)
 Up to ₹15,000/- at a concessional rate of interest of 4% per
annum
 SCs/STs satisfying the income criteria – housing loan up to ₹20 K
per beneficiary over and above the individual loan
 40% of advances for SC/ST
 SHREYAS (Scholarships for Higher Education for Young Achievers)
Free Coaching  To provide coaching of good quality for SC and OBC candidates in public/private entrance and
Scheme for SCs and competitive exams
OBCs  To provide coaching to secure admission in reputed technical and professional higher education
institutions
 Candidate total family income less than 8 LPA
 3500 slots per year  SC: OBC - 70:30  30% slots are reserved for females in each category
 Implemented by DAF (Dr. Ambedkar Foundation) through empanelled Central Universities
Top Class Education  Selected meritorious SC students for pursuing studies beyond 12th class
for SCs  Scholarship to whole of course with good performance of student continuing
 Candidate total family income less than 8 LPA
 Applicable for admissions in select 266 higher education institutes (Govt and private institues, including
IITs, AIIMS, NIFT, NLUs, important CUs etc.,)
 Full tuition fee (upto ₹ 2.00 lakh per annum private institutions); Academic allowance of ₹ 86,000 in 1st
year and ₹ 41,000 afterwards
 Implemented through National Scholarships Portal
National Overseas  Financial assistance to selected students from SCs (115 slots); De-notified, Nomadic and Semi-Nomadic
Scheme for SCs Tribes (6 slots); landless agricultural labourers and traditional artisan categories (4 slots), for pursuing
masters and Ph.D. level courses abroad
 Family income less than ₹ 8 LPA, 60%+ in qualifying exam, below 35 years, secured admission in top
500 QS ranking foreign Institutes/ Universities.
 Provision of total tuition fee, maintenance and contingency allowance, visa fee, to and fro air passage etc.

National Fellowship  Fellowship for SC to pursue higher education leading to M.Phil./Ph.D. degrees in Sciences, Humanities
for SC Students and Social Sciences in Indian Universities/Institutions/ Colleges recognized by University Grants
Commission (UGC)
 Implemented by National Scheduled Castes Finance and Development Corporation
 500 slots for science stream who cleared UGC-CSIR Joint Test and 1500 for Humanities and Social
Sciences who cleared NET-JRF of UGC
 ₹ 37,000/- p.m. for JRF and ₹ 42,000/- p.m. for SRF
 Pradhan Mantri Anusuchit Jaati Abhuyday Yojana (PM-AJAY) – 2021
Pradhan Mantri Adarsh Gram
Yojana (PMAGY)
 To cover 36,428 villages
having at least 50% tribal
population and 500 SCs
across States / UTs with
notified SCs by 2025-26
Pradhan Mantri Gramin
Digital Saksharta Abhiyan
(PMGDISHA)
Special Central Assistance to
Scheduled Castes Sub Plan
(SCA to SCSP)
 To ensure integrated development of SC majority villages so that there is adequate
infrastructure, all requisite infrastructures necessary for socio-economic development needs,
and improvement in Socio-Economic Indicators (Monitorable indicators - Drinking water and
Sanitation, Education, Health and Nutrition, Social Security, Rural Roads and Housing,
Electricity and Clean fuel, Agricultural Practices etc, Financial Inclusion, Digitization, Livelihood
and Skill Development)
 All BPL SC families to have food and livelihood security
 All SC children to complete education at least up to the secondary level
 All factors leading to maternal and infant mortality and malnutrition to be eliminated
1 person (14 – 60 years) in a household where none of  Full Digital Literacy to the villages
the family members is digitally literate covered under PM-AGY
Priority and preference:  Setting up of the Training Centres in
 Non-smartphone users the identified Districts/ Blocks/
 Antyodaya households Gram Panchayats
 College drop-outs  Delivery of content through mobile
 Participants of the adult literacy mission phones is proposed as a
 Students of class 9th to 12th with no Computer / supplementary facility that can be
ICT Training in their school accessed by a large number of neo-IT
 SC, ST, BPL, women, differently-abled persons, literates to refresh content learned
minorities during the physical training mode
 Creation of Comprehensive Livelihood Projects: A combination of 2 or more of the following
o Skill Development: Skilling courses as per norms of MSDE, related facilities and
infrastructure for conducting Skill Development Activities and funding of such institutions
o Grants for creation/acquisition of assets for beneficiaries/households: Individual asset
distribution by acquisition / creation of assets for beneficiaries/households needed for
livelihood generation with financial assistance towards loans up to ₹50,000 or 50% of the
asset cost, whichever is less, per beneficiary/household.
o Infrastructure development: Development of infrastructure related to the project, hostels
and residential schools and other infra
o Promote SC Women Cooperatives engaged in production and marketing of consumer goods
and services
 Upto 15% of the total Grants exclusively on viable income generating economic development
schemes for SC Women.
 Upto 30% of the total Grants utilized for infrastructure development
 Atleast 10% of the total funds for skill development
Babu Jagjivan Ram  Scheme for construction of hostels to enable and encourage Scheduled Caste students to attain
Chhatrawas Yojana (BJRCY) quality education and reduce their dropout rate
 Implemented through the State Governments, UT Administrations & Central and State
Universities/Institutions
 Admissible Central assistance for construction:
o NE Region: ₹ 3.5 L per hostel
o Northern Himalayan Regions: ₹ 3.25 L per hostel
o Gangetic Plains & Lower Himalayan Region: Rs 3 L per hostel
 One-time Grant of ₹ 5000/- per student for making provisions of cot, table etc.
 Repair and maintenance cost upto ₹5 L for a hostel of 50 inmates once in 5 years

Organisations
National Backward Classes Finance & Development
Corporation (NBCFDC)
 13 Jan 1992
 To promote economic and developmental activities for the
benefit of Backward Classes and to assist the poorer section
of these classes in skill development and self-employment
ventures - financial assistance through State Channelizing
Agencies (SCAs) nominated by the State Governments/UTs
and Banks (PSBs & RRBs)
 Skill training: PM DAKSH
 Loans: General loans (up to ₹ 15 L), Swarnima scheme for
women (up to ₹ 2 L), Education loans (different terms for
different courses), Mahila Samriddhi (Micro-finance loans for
women and SHGs), small loans (up to ₹ 1.25 L), lending to
NBFC-MFIs
 Other schemes: Vanchit Ikai Samooh aur Vargon ko Aarthik
Sahayata Yojana (VISVAS Yojana)
 Market linkage support
National Scheduled Castes Finance & Development
Corporation (NSCFDC)
 1989
 To be the leading catalyst in systematic reduction of poverty
through socio-economic development of eligible Scheduled
Castes, working in an efficient, responsive and collaborative
manner with channelizing agencies and other development
partne₹
 Skill training: PM-DAKSH
 Loans: Udyam Nidhi Yojana (up to ₹ 5 L), SUVIDHA LOAN
SCHEME (up to ₹ 9 L), UTKARSH LOAN SCHEMe (₹ 9 L to ₹
45 L), micro-finance (up to ₹ 1.4 L), Mahila Samriddhi Yojana
(up to ₹ 1.4 L), education loan (different terms for different
courses), Aajveeka Micrfinance Yojana (NBFC-MFIs)
 Marketing support
 Tribal people
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Pradhan Mantri Janjati Particularly Vulnerable  Safe housing  4.90 lakh Provision of pucca houses
Adivasi Nyaya Maha Tribal Groups (PVTGs)  Clean drinking water  8000 KM roads
Abhiyan (PM JANMAN) and sanitation  Pipe water supply for 4.9L households
 15 Nov 2023  Improved access to  Community water supply for 2500
 T Rs 24,104 cr education, health and Villages/habitations with population of less
C Rs 15,336 cr nutrition than 20 households
S Rs 8,768 cr  Road and telecom  1000 (10/district) Mobile Medical Units with
connectivity medicine cost
 FY 2023-24 to
 Sustainable livelihood  500 hostels
2025-26
opportunities  60 vocational training and skill education
 Focus on 11 critical center
interventions through  2500 construction of Anganwadi centers
9 line Ministries  1000 Multi-purpose Centers MPCs
under the  Energization of 57K households
Development Action  1500 Solar lighting in streets & MPC units
Plan for the  500 Van Dhan Vikas Kendra Clusters
Scheduled Tribes  Installation of mobile towers in 3000 villages
(DAPST)  AYUSH wellness centers and Mobile Medical
Units

Scheme Of Grant-In- Any registered voluntary To enhance the reach of welfare schemes of Government and fill the gaps in
Aid To Voluntary organization (VO) / NGO service deficient tribal areas through the efforts of voluntary organizations, and to
Organisations Working / Public Trust registered provide an environment for socioeconomic upliftment and overall development of
For The Welfare Of for at least 3 years STs
Scheduled Tribes working for STs Areas: Education, health, drinking water, agro-horticultural productivity,
social security
Pradhan Mantri Van Livelihood generation for  3-tiered system: Van Dhan Vikas Kendras at village level, Van Dhan Vikas
Dhan Yojana tribal gatherers and Sanrakshan Samitis at cluster level, and Van Dhan Vikas Samuh at district
 14 Apr 2018 at transforming them into level
Bijapur, entrepreneurs by setting  Kendra: 15 tribal SHGs, with tribal NTFP gatherers or artisans – about 300
Chhattisgarh 50,000 Van Dhan Vikas beneficiaries per Van Dhan Kendra
 TRIFED Kendras to benefit 10 L  Enable SHGs to engage in farming / agri production and post-harvest
tribal entrepreneurs processing & value-addition of these items
  Support with Supply of Equipment & Commencement of Training,
Branding, Packaging, Marketing
 TRIFED to provide ₹ 15 L for each 300 member Van Dhan Kendra
GOAL (Going Online as Leaders) Pilot (2019): 100 tribal  Mobilizing 2500 renowned policy-makers and
 15 May 2020 - 5 years girls under 25 women influencers, teachers, artists, entrepreneurs
 2.0 – 28 June 2022 leaders – MP, WB, Odisha, and social workers as mentors
 Ministry of Tribal Affairs and Meta (full Jharkhand, Maharashtra  9-month program:
funder) o 7 months: entrepreneurship, digital
 Steering committee consists of UNDP, FICCI, 5000 youth literacy, life skills, leadership, sector-
Niti, Art of Living, AIIMS Jodhpur etc. specific skills
o 2 months: Internship
 6 digital classes in each of the 175 EMRS
schools selected by ERNET
Scheme for Economic De-notified, Nomadic and  Coaching for 6250 students – ₹50 crore
Empowerment of DNTs Semi Nomadic (DNT) competitive exams
(SEED) Communities  Health insurance 4,44,500 families – ₹49 crore
 Rs 200cr  Livelihood initiatives
 FY 2021-22 to FY at community level 2,000 clusters – ₹49 crore
2025-26 for employment
 MoRD, NRLM, generation by NRLM
National Health and SRLM
Authority (NHA)  Construction of 1.2L plains and 1.3L hilly areas (per unit assistance)
houses – 4,200 houses – ₹50 crore

Pradhan Mantri Van-bandhu Kalyan Yojana (PMVKY)

 2021-22 to 2025-26
 ₹ 26135.46 cr
Pradhan Mantri Adi Adarsh 36,428 villages having at least 50% tribal population and 500 STs across States / UTs with notified
Gram Youjana (PMAAGY) STs have been identified for undertaking development programmes in 8 sectors of development viz.
Special Central Assistance to Road connectivity (Internal and Inter village /block), Telecom connectivity (Mobile /internet), School,
Tribal Sub- Plan (1977)  Anganwadi Centres, Health Sub-Centre, Drinking water facility, Drainage and solid waste management
Special Central Assistance to
Tribal Sub-Scheme (2017) 
Pradhan Mantri Adi Adarsh
Gram Yojana (2021)
Pradhan Mantri PVTG
Development Mission
Support to Tribal Research
Institute (TRI)
Pre-Matric (Std IX & X)
Scholarship
Post-Matric (Std XI & XII)
Scholarship
Grants under Provison to
Article 275(1) of the
Constitution
Ekalavya Model Residential
School (EMRS)
 Ministry of Tribal Affairs
 1997-98, revamped in
2018-19
 ₹ 2000 cr for 2023-24
To improve socio- economic conditions of the Particularly Vulnerable Tribal Groups (PVTGs) by
saturating PVTG families and habitations with basic facilities such as safe housing, clean drinking
water and sanitation, improved access to education, health and nutrition, road and telecom
connectivity, and sustainable livelihood opportunities.
Funds provided to the State govts / UTs research, documentation etc. based on their proposal
Open-ended Scheme covering all ST students whose parental annual income is up to ₹ 2.5 lakhs.
Centre 75% and state 25%. NE and hilly states Center 90%. UTs with no legilative assembly Center
100%
Funding to states for adopting a multi-pronged strategy for overall development of tribal people in (i)
Education (ii) Health (iii) Agriculture, Horticulture, Animal Husbandry (AH), Fisheries, Dairy & others
in Primary Sector (iv) Other income generating schemes to augment Tribal household economy and (v)
Administrative structure / Institutional framework & Research studies
Every block with more To provide quality  National Education Society for Tribal Students
than 50% ST upper primary, as an autonomous Society under to establish,
population and at secondary and senior endow, maintain, control, promote and manage
least 20,000 tribal secondary level schools
people based on education to Scheduled  Schools with capacity of 480 students
Census 2011 data Tribes (ST) students  Construction grant of ₹ 20 cr per school + 20%
(Class 6th to 12th) in for schools in NE, hilly areas, difficult areas &
Eklavya Model Day remote areas areas affected by LWE
Boarding Schools  Recurring grant of ₹ 1.09 L per student per
(EMDBS) in sub- Target: annum for EMRS & ₹ 0.85 L for EMDBS
districts with 90% or By 2022: Every block  Centre of Excellence for sports including
more ST population with more than 50% advanced facilities for 1 group & 1 individual
and 20,000 or more ST & at least 20,000 sport common for a State
tribal persons tribal persons, to have  Utilization of upto 10% seats by non-ST
EMRS i.e. 462 districts students – priority to children of EMRSs staff,
(102 already have) children who have lost their parents to LWE
and insurgencies, children of widows, children
Progress: of divyang parents etc.
690 schools  Reservation of 20% seats under sports quota
sanctioned, 401  Amazon Future Engineer Programme Ph II:

Pradhan Mantri Janjatiya
Vikas Mission (PMJVM)
 2021-22 to 2025-26
 ₹ 1612.27
functional schools,
113275 students
(56107 M, 57168 F)
To strengthen tribal entrepreneurship
initiatives and to facilitate livelihood
opportunities by promoting more efficient,
equitable, self-managed, optimum use of
natural resources, Agri / NTFP / Non-farm
enterprises
National Education Society for Tribal Students
(NESTS), Amazon India and Learning Links
Foundation
Merger and extension of two existing schemes:
“Mechanism for Marketing of Minor Forest Produce
(MFP) through Minimum Support Price (MSP) and
Development of Value Chain for MFP” and
“Institutional Support for Development and
Marketing of Tribal Products / Produce”

Organizations:
The National Commission for Scheduled Tribes (NCST): 19 Feb 2004 - Powers of a Civil court
National Scheduled Tribes  Skill & Entrepreneurship Development
Finance & Development  Loans: Term loans (up to ₹ 50 L), Adivasi Mahila Sashaktikaran Yojana (AMSY) [up to ₹ 2 L],
Corporation (NSTFDC) Adivasi Shikha Rrinn Yojana (ASRY) [education loan], Micro-credit schemes [up to ₹ 50 K for
SHGs], lending to NGOs, Margin Money Support Scheme under Stand-up India
 Tribal Forest Dwellers Empowerment Scheme [training, financial assistance, market linkage for
ST with Land rights under Forest Act 2006]
 Assistance to TRIFED empanelled ST Artisans
 Marketing support
Tribal Co-Operative Marketing Socio-economic development of tribal people in the country by way of marketing development of the
Development Federation tribal products
(TRIFED)  Sourcing from artisans and minor forest produce
 Sale: eCommerce, Retail Outlets
 Publicity Strategy: Adi Mahotsav, exhibitions, social media
 Van Dhan Vikas Yojana
 TRIFOOD Scheme: TRIFED with Ministry of Food Processing Industry – setting up food
processing industries
 Minority
NAME AND ABOUT ELIGIBILITY BENEFITS
Nai Manzil Minority youth with no formal school leaving  Project Implementing Agencies (PIAs) to provide
 Ministry of certificate – dropouts or educated in community non-residential integrated education and skill
Minority Affairs education institutions like Madarasas training for 9 to 12 months, of which a minimum of
 8 Aug 2015 3 months be devoted to skill training compliant with
 ₹ 650 cr the National Skills Qualifications Framework
 50% funding from (NSQF)
WB ($50 million)  Placement as per qualifications
Progress: 336 centres and 4108 trained
Pradhan Mantri Jan  Minority Concentration Blocks (MCBs):  80% resources for education, health and skill
Vikas Karyakram Min. of 25% population of minorities development project, of which at least 33-40% for
 Erstwhile  Minority Concentration Towns (MCTs): 25% creation of assets / facilities for women
Multisectoral minority population and total population  Infra projects like schools, hostels, sports centers,
Development above 25,000 but below 2,00,000 skill training centers, hospitals, etc.,
Programme  Backward Minority Concentration Districts  With National Remote Sensing Centre, ISRO for geo-
(MsDP) Headquarters (MCD Hqrs): Min. of 25% tagging of the infrastructure constructed
 2022-23 to 2025- population of minorities
26  Clusters of Minority Concentration Villages
(COVs): min. of 25% minorities, but not
falling within identified MCBs
 [15% in Punjab, J&K, Meghalaya,
Nagaland, Mizoram, Lakshadweep]
Jiyo Parsi Full financial assistance to Parsi couples whose  Advocacy - includes counseling of couples with
family income is below ₹ 10 L and have elderly fertility, marriage, family and elderly counseling
members residing with the family including workshops on relationship management,
parenting, drug awareness etc.,
 Health of Community-to provide financial
assistance to Parsi parents to meet the expenses
towards creche/child care, assistance to elderly
 Medical Assistance- includes financial assistance
for Assisted Reproductive Technologies (ART) which
also includes In-vitro Fertilization and Intra
Cytoplasmic Injection (ICS) & other modes including
surrogacy.
 Pradhan Mantri Virasat Ka Samvardhan (PM VIKAS)
Ministry of Minority Affairs  Skilling and Training (33% seats for minority women)
 Leadership and Entrepreneurship (100% for minority women) with credit support
 Education (50% seats for minority women)
Seekho Aur Kamao (SAK) 6 notified minority  To upgrade the skills of youth in various modern/ traditional skills
communities between depending upon their qualification, prevailing economic trends, and
14-45 years market potential, which could earn them suitable employment or make
them suitably skilled to take up self-employment
 33% of total allocation for female beneficiaries
Hamari Dharohar For curating rich heritage of minorities under overall concept of Indian Culture which includes
 2014-15 curating exhibitions, preservation of literature/ documents etc.,
Nai Manzil Minority youth with no formal school leaving Formal education (Class VIII or X) and skills
 8 Aug 2015 certificate – dropouts or educated in community
 50% funding from World education institutions like Madarasas
Bank
Nai Roshni  Women between 18-65 years not exceeding Rs  6-day non-residential or 5-day
2.5 LPA residential training programme
 Priority: 6 minorities  Training modules: Health and Hygiene,
Legal Rights of Women, Financial
Literacy, Digital Literacy, Swachch
Bharat, Life Skills, and Advocacy for
Social and Behavioural changes
Upgrading the Skills and Project Implementing Agencies  To build capacity of  Free training in a traditional
Training in Traditional (PIAs): master craftsmen / art or craft
Arts/Crafts for Development  Societies / Private artisans  Stipend during the training
(USTTAD) recognized / registered  Training of young period
 2015 professional institutions generation through the  ₹ 10,000/- per trainee for
registered for at least 3 master craftsmen / the non-residential
year, experience of artisans for traditional programme
conducting traditional skill arts /crafts  ₹ 13,000/- per trainee for
development courses with  Preservation of rich the residential programme
established market heritage of the  Assistance in finding
linkages traditional arts and employment after
 Industry or association of crafts of minorities completing the training
industries (ASSOCHAM,  To establish linkages of  Candidates: 25% belonging
CII, FICCI etc.,) willing to
 run training centres traditional skills with the to BPL families of non-
 Unis, PSUs, training global market minority communities and
institutes, PRI training 3% seats for PwD
institutes
Beneficiary:
 Minority
 14-35 years of age [upper
age limit relaxed for
minority PwD]
 At least Class V [relaxed
for minority PwD]
 More than one member of
a family eligible for
training in the same
art/craft form if they fill
same criteria

Others: Naya Savera – Free Coaching and allied Scheme for the Candidates/Students belonging to Minority Communities

Organisations
National Minorities Development and Finance Corporation (NMDFC)
 30 Sept 1994
 To promote Socio-Economic development of Backward Sections amongst the Minority Communities through the State
Channelising Agencies (SCAs) nominated by the respective State Governments/UT Administration and Canara Bank, preference
being given to the occupational group and women
 Loans: Term Loan (up to ₹ 20 L), Education loan, Microfinance Loans (SHGs), Virasvat scheme (working capital up to ₹ 10 L)
 Maulana Azad National Fellowship (MANF) Scheme [approx. 2000 scholars pursuing Ph.D./M.Phil]
 Minority Loan Accounting Software for NMDFC (MILAN): To digitize loan accounting processes
 Market assistance
 Refinancing through Canara Bank
 Elderly
NAME AND ABOUT BENEFITS
Atal Vayo Abhyuday Grant-in-aid to NGO / Voluntary Organizations for running and maintenance of Senior Citizens‟ Homes,
Yojana (AVYAY) Continuous Care Homes, etc., for providing facilities, like, shelter, nutrition, medicare and entertainments
 Revamped of free of cost to indigent senior citizen
National Action Rashtriya Vayoshri Yojana (RVY): Senior citizen BPL category or income up to ₹ 15,000 per month -
Plan for Senior suffering from any of the age-related disability/ infirmity - to provide living devices which can restore near
Citizen (NAPSrc) normalcy in their bodily functions, overcoming the disability/ infirmity manifested such as low vision,
 Apr 2021 hearing impairment, loss of teeth and loco-motor disabilities
Pradhan Mantri Vaya  Assured rate of return of 7.4% per annum for 2020-21 per annum and to be reset every year
Vandhana Yojana  Min. investment: ₹ 1,56,658 for pension ₹ 12 K per annum
 MoF  Min. purchase price: ₹ 1,62,162 for min. pension ₹ 1 K per month
 Extended till 31  Max. purchase price: ₹ 7,50,000 for a max. pension of ₹ 5 K per month
Mar 2023  Pension payable at the end of each period during the policy tenure of 10 years as per the frequency
of monthly / quarterly / half-yearly / yearly chosen by the subscriber at the time of purchase

Others:

 Maintenance and Welfare of Parents and Senior Citizens Act, 2007

 National Policy on Older Persons, 1999
 Senior Citizens Savings Scheme
 Collaborating with Non-Governmental/Voluntary Organizations, Regional Resource Training Centres and National Institute
of Social Defence
 Integrated Programme for Older Persons: Providing basic amenities like shelter, food, medical care and entertainment
opportunities and by encouraging productive and active ageing through providing support for capacity building of
State/UTs, Local bodies, PRIs, NGOs, CSR activities of corporates, community engagement
 Banking: Dedicated Counters/Preference to Senior Citizens at banks, Ease of submitting Life Certificate, Automatic
conversion of status of accounts, and Door Step Banking
 Max. deposit limit for senior citizen saving scheme: ₹ 30 L (from ₹ 15 L)
 Disabled / Special needs
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Scheme Of Assistance  Holding a 40% To assist the disabled  Medical/surgical correction & intervention
To Disabled Persons For Disability Certificate persons in procuring and fitment of aids and appliances
Purchase/Fitting Of (Benchmark suitable, durable,  From ₹ 500/- for the hearing & speech
Aids / Appliances (ADIP) disability) scientifically- impaired to ₹ 1,000/- for the visually
 1 Jan 1981  Having monthly manufactured, modern, disabled and ₹ 3,000/- for the
 Department of income from all standard aids and Orthopaedically disabled
Empowerment of sources not appliances, that can  For aids /appliances costing up to ₹ 15 K:
Persons with exceeding ₹ 30 K promote their physical, Full financial assistance
Disabilities, per month social and psychological  For aids /appliances costing between ₹
MoSJ&E  In the case of rehabilitation by reducing 15,001/- to ₹ 30 K: Financial assistance
 Extended up to 31 dependents, the the effects of disabilities up to ₹15 K
Mar 2026 income of and enhance their  All expensive items costing above ₹
 Nodal agency for parents/guardians economic potential 30,001, except Cochlear Implant and
Cochlear Implant not exceeding ₹ 30 Motorized Tricycle, subject to income
Surgery: Ali Yavar K per month ceiling: Govt 50% and remainder by either
Jung National  Not having received the State Govt. or NGO
Institute of Speech assistance during  Cochlear Implant and post-operative
& Hearing the last 3 years (1 therapy and rehabilitation for children
Disabilities year for children with Hearing Impairment with a ceiling of
(Divyangjan), below 12 years) for ₹ 7 L per unit (to be borne by the Govt) in
(AYJNISHD) the same purpose case of children with pre-lingual hearing
Mumbai from any loss between 1 to 5 years of age and ₹ 6 L
in case of children with acquired hearing
loss between 5 to 18 years

Other benefits:
https://www.myscheme.gov.in/schemes/sadppfaa
Sugamya Bharat Mission  Access Audit of Govt buildings
3 pillars:  Efforts to make transportation sector accessible
 Built-Up  ICT Ecosystem (Websites)
Environment  Ensuring accessibility in TV viewing
 Transportation  Govt schools - with ramps, handrails and accessible toilets
System  Institutional Literacy Material - an Easy Reckoner of 10 basic features of Accessibility
  ICT ecosystems  Monitoring through a Management Information System (MIS) portal.
 Formulation of Sector Specific Standards of Accessibility
 Sugamya Bharat App: crowdsourcing grievances of accessibility and spreading awareness
Indian Sign Language Scientists and deaf special education experts to train sign language interpreters and create signs on terms
Enabled Virtual and concepts on STEM for enabling higher education in the Indian Sign Language (ISL)
Laboratory (ISLEVL) 103 new signs and 200 content videos on scientific concepts have been developed by CSIR-IMTech team,
 Under the CSIR‟s with the assistance of deaf special education experts
“JIGYASA”

National Trust’s schemes

DISHA  Early intervention and school readiness scheme
 Centres for children (0-10 years) - max. 20 children per Centre
 Day-care facilities to PwD for at least 4 hours in a day
 Provision of Therapies, trainings and providing support to family members
VIKAAS  Day care facilities for enhancing interpersonal and vocational skills
 At least 6 hours in a day along with age specific activities
 Max. 30 per centre with Low-income group & above LIG half-half
SAMARTH  Respite home for orphans or abandoned, families in crisis, PwD from BPL & LIG families
& destitutes
 Group home facility for all age groups with adequate and quality care service with
acceptable living standards including provision of basic medical care
 Max. 30 per centre with Low-income group & above LIG half-half
 Should facilitate shifting the PwD who is above 18 years of age and has spent more than
5 years in the Samarth Centre to Gharaunda centre
GHARAUNDA  Adequate and quality care service with acceptable living standards including provision of
basic medical care from professional doctors
 Vocational activities, pre-vocational activities and assistance for further training
 Max. 20 per centre with Low-income group & above LIG half-half
NIRAMAYA  Insurance cover upto ₹1 L (on reimbursement basis)
 Same coverage across age band and type of disability for PwD with valid disability
certificate
 No pre-insurance medical tests
 Treatment can be taken from any hospital.
SAHYOGI  Setting up Care Associate Cells (CACs) to provide training and create a skilled workforce
of care associates to provide adequate and nurturing care for Person with Disabilities
 (PwDs) and their families who require it.
 Parents of PwD can also apply to get trained
 Primary and advanced training available
GYAN PRABHA  Currently discontinued from 2018
 To encourage people with Autism, Cerebral Palsy, Mental Retardation and Multiple
Disabilities for pursuing educational/ vocational courses like graduation courses,
professional courses and vocational training leading to employment or self-employment
PRERNA  Providing funds to participate in events such as exhibitions, melas, fairs, etc. – For firms:
At least 51% PwD employees
 Incentive on Sales turnover for firms
 Assistance valid for one year
SAMBHAV To set up of one Sambhav Centre in each city with population greater than 5 million (as per
2011 census) which will provide information and easy access to devices, appliances, aids,
software etc.,
BADHTE  Community awareness and sensitization
KADAM  Social integration and mainstreaming of PwD
 Sponsor for max. 4 events per year under a Registered Org

Others:

 Indigenized IQ assessment test kit

 Purple Fest, Divya Kala Mela and Divya Kala Shakti
 Guidelines: Harmonized Guidelines and Space Standard for Universal Accessibility in India-2021, Accessibility for ICT
products and services, Culture sector-specific harmonized accessibility standards, Guidelines on accessible sports
complexes, the accessibility standards for Civil Aviation 2022, Accessibility standards for Health Care, and Rural sector-
specific harmonized accessibility standards/guidelines
 MoU with the Council of Architecture (COA) to integrate universal accessibility courses into Bachelor of Architecture
programs, ensuring architects and civil engineers are equipped to conduct accessibility audits
 1% interest rate rebate to PwD borrowers under NDFDC loan
 Unique Disability ID (UDID) portal
 Skill training: PM Daksh-DEPwD Portal
 Sports training centre: Atal Bihari Training Centre for Disability Sports
 Reading: Establishment of a Universal Design Center for Reading with Nation Book Trust and SugamyaPustakalaya [online
library] with Daisy Forum
 10,000 ISL dictionary terms (260 signs of financial terms) and Video Relay Service for the deaf community through
WhatsApp video call on World Sign Language Day
  Anganwadi Protocol for Divyang Children: All children will be assessed for delays in their developmental milestones and
screened for early signs and symptoms, their families will receive support and referrals with support of Anganwadi workers –
MoW&CD

National Divyangjan Finance and Development Corporation

 Loans: Divyangjan Swavalamban Yojana [up to ₹ 50 L] - education, self-employment, etc.,

 Vishesh Microfinance Yojana (VMY) - NBFC-MFIs, SHGs, Govt Missions, NGO-MFIs, etc.,
 Scholarships
 Job portal

Destitute/Unsupported
NAME AND ABOUT ELIGIBILITY OBJECTIVES BENEFITS
Support for Marginalised Transgendered people Rehabilitation, provision  Scholarships for Transgender Students
Individuals for Livelihood and beggars of medical facilities, studying in IX and till post-graduation
and Enterprise (SMILE) counseling, education,  Skill Development and Livelihood under
 MoSJ&E skill development, PM-DAKSH
 12 Feb 2022 economic linkages etc.  PM-JAY covers Gender-Reaffirmation
 Central Sector with the support of State surgeries in select hospitals
Scheme for Governments / UTs /  Housing – Garima Greh – food, clothing,
Comprehensive Local Urban Bodies, recreational facilities, skill development
Rehabilitation for Voluntary Organizations, opportunities, recreational activities and
Welfare of Community Based medical support etc.
Transgender Persons Organizations (CBOs) and  Transgender Protection Cell in each
and Central Sector institutions and others state
Scheme for  The National Portal & Helpline
Comprehensive  Survey and identification, Mobilisation,
Rehabilitation of Rescue/ Shelter Home and
engaged in the act of Comprehensive resettlement of beggars
Begging
 ₹ 365 cr from 2021-
22 to 2025-26
National Action for  Zero fatalities in  Profiling of SSWs in ULBs through digital tools (~ 1 lakh SSW to be
Mechanized Sanitation sanitation work identified)
Ecosystem (NAMASTE)  Formalization and  Health Insurance of SSW under PM-JAY
 Self-Employment skilling of  Occupational safety training of SSWs and Sanitation Response
Scheme for sanitation Units for NAMASTE
Rehabilitation of workers  Capital Subsidy up to ₹ 5 L for procurement of Sanitation Related
Manual Scavengers  Elimination of Vehicles/ Equipment
(SRMS) has been direct contact  Distribution of PPE to SSWs
subsumed with human  Distribution of safety devices to Emergency Response Sanitation
 FY 2023-24 to FY faecal matter Unit (ERSU)
2025-26 - Rs 349.73  Establishment,  IEC Campaign for awareness on SSW safety and dignity
cr strengthening and
 MoSJ&E, MoH&UA, capacitating of
and National Safai Emergency
Karamcharis Finance Response
and Development Sanitation Units
Corporation  Empowerment
through SHGs
and
entrepreneurship
 Access to
alternate
livelihood options
 Occupational
safety training to
all sewer and
septic tank
workers
Over 1 L+ SSWs will be
profiled across 4800
ULBs
Self-employment Scheme To provide assistance to  One-time Cash Assistance of ₹ 40 K per family
for Rehabilitation of the identified manual  Credit linked back-end capital subsidy upto ₹ 5 L with provision of
Manual Scavengers scavengers and their concessional Loans for project cost upto ₹ 15 L
(SRMS) dependants for their  Subsidy on Loans to manual scavengers/ sanitation workers and
 Introduced in Jan rehabilitation in their dependents for sanitation-related projects (for projects upto ₹
 2007, revised in Nov alternative occupations 15 L)
2013 and 2020-2021  Group projects ₹ 50 L per group up to 5 members - each member
 Under National Safai max ₹ 10 L share
Karamcharis Finance  Skill Development Training for indentified manual scavengers and
& Development their dependents with stipend ₹ 3 K per month and Behavioural
Corporation Skill Development Training (RPL)
 Subsumed under  Health Insurance under Ayushman Bharat, Pradhan Mantri Jan
NAMASTE Arogya Yojana (AB-PMJAY) to the families of all the identified
manual scavengers up to ₹ 5 L and Health Camps
National Social Assistance (1) BPL (1) Indira Gandhi National Old Age Pension Scheme (IGNOAPS): ₹ 200
Programme (2) BPL widow (40-59) aged 60 or above and ₹ 500 above 79 years
 MoRD (3) BPL (18-59) (2) Indira Gandhi National Widow Pension Scheme (IGNWPS): ₹ 200
(4) BPL household (3) Indira Gandhi National Disability Pension Scheme (IGNDPS): With
(5) Senior citizens severe and multiple disabilities - ₹ 200
uncovered under (1) (4) National Family Benefit Scheme (NFBS): Lump sum ₹ 10,000 on death
of primary breadwinner (18-64 years)
(5) Annapurna: 10 kg of food grains per month free of cost
Mission Vatsalya  Upscale institutional  Family-based non-institutional care of children in
 Since 2009 care/services difficult circumstances based on the principle of
 Earlier Child  Encourage non-institutional institutionalization of children as a measure of last
Protection Services community-based care resort
(CPS) Scheme  Foster a sensitive, supportive  Financial assistance up to ₹ 4000
and synchronized ecosystem  Sponsorship (if living with extended families/biological
for development of children relatives)
 Assist States/UTs in  Foster care (for adult nurturing the child). Adoption
delivering the mandate of the (legally free facilitated under Specialized Adoption
Juvenile Justice Act 2015 and Agencies)
achieve the SDG goals  Aftercare (to a child leaving Child Care Institution of 18
 “Leave no child behind” years, till 21 years (extendable to 23)
PM CARES for Children Children who have lost  FD in into Monthly Income Scheme of Post Office in (corpus of ₹ 10L
 29 May 2021 both parents or legal when child reaches 18) to give monthly financial support stipend for
guardian of adoptive the next 5 yea₹ Corpus will be given as lump-sum at 23.
parent or surviving  School education: Private school fees as per RTE along with
parent to COVID-19 expenditure on uniform, textbooks and notebooks will be given
between 11 Mar 2020 o Under 10: Admission in nearest KV or private school as day
to 28 Feb 2022 scholar
 o 11-18: Admission in any central Govt. residential school or to
nearest KV/private school if under care of guardian
 Higher education: Assistance in obtaining loan. Interest paid by PM
CARES (or) scholarship equivalent to tuition/course fees for
UG/vocational courses will be given. 50K per annum for 4 years
degree and 3 years diploma as lump sum to college fee and other
educational equipment
 Scholarship: 20k per annum with 1k monthly allowance and 8k to
cover educational equipment. Also covered under Kaushal
Augmentation and Restructuring Mission (KARMA) and Swanath
Scholarship Scheme for Students of AICTE”
 Automatically enrolled as beneficiary under PM-JAY with cover of ₹
5L whose premium will be paid by scheme until child is less than 18

Others: Digitization of Child Adoption Resource Information and Guidance System (CARINGS): Bring transparency in the adoption
system and avoid delays

National Safai Karamcharis Finance & Development Corporation (NSKFDC)

 24 Jan 1997
 To eradicate terrible inhumane and evil practice of Manual Scavenging and to strengthen socio-economic development of
Safai Karamcharis/Scavengers and their dependents
 Loans: Mahila Samridhi Yojana (MSY) [up to ₹ 1 L], Mahila Adhikarita Yogana (MAY) [up to ₹ 2 L], Micro Credit Finance [up
to ₹ 1 L], general term loan [up to ₹ 15 L], education loan [up to ₹ 20 L], Green Business Scheme [up to ₹ 30 L]
 Swachhta Udyami Yojana (SUY): Scheme for procurement of sanitation related equipments/ vehicles
 Scheme for “Pay and use” community toilets [up to ₹ 25 L]
 Sanitary Marts Scheme [up to ₹ 15 L]
 Skill training: PM DAKSH
 Workshops and Job Fairs
 Awareness Campaigns
COVID-19 support
Pradhan Mantri Garib  All beneficiaries of  PM Garib Kalyan Anna Yojana – Provision of food grains to the poor
Kalyan Yojana the targeted public (rural & urban) through the PDS – extended till 2028
 Money deposited distribution system  Cash Transfer Scheme – ₹ 500 each to women who have Jan Dhan
by evaders at (TPDS) for accounts
49.9% tax rate Antyodaya Anna  Insurance Scheme – Medical insurance to health workers including
between Dec 2016 Yojana (AAY) and doctors, nurses, Asha workers, paramedics and sanitation workers
and Mar 2017 for priority household  Food items including 5 kg rice/wheat per individual and 1 kg gram
welfare purposes (PHH) ration per family every month for free
 Extended for 3 cardholders  Provided entire employee EPF contributions (12% of total wages)
months in 2020  Wage earners and employers‟ EPF & EPS contributions (12% of wages), totalling
and then till Nov (earning below ₹ 24% of the monthly wages for three months
2020 to include 15,000 per month)  Insurance Scheme for Health Workers Fighting COVID-19: family to
relief packages in a business with be compensated with ₹ 50L – MoH&FW – approx.
during the <100 workers  Advance Payments to Farmers under PM KISAN: first installment of
pandemic  All 22 L healthcare ₹2K due 2020-21 under PM Kisan Yojana advanced
 Worlds‟ largest professionals and  24% of small businesses employees‟ salary paid by Govt. in PF
food security other workers account
scheme involved  Free Gas Cylinders to Prime Minister Ujjwala Yojana (PMUY)
 Relief package  ~66% of India‟s beneficiaries
worth ₹ 1.7 L cr population was  MNREGA Worker wages increased by ₹ 20 from 1 Apr 2020
covered under this  Senior citizens and people with disabilities received ₹ 1K for 3
scheme months
 Amendment of EPF regulations to include pandemic as the reason
to allow non-refundable advance of 75% of the EPF amount or three
months‟ wages (whichever is lower)  welfare fund for construction
workers
PORTALS / APPS

NAME ABOUT WORKING

Aatamanirbhar  10 July 2020 A match-making engine to map skilled workers with the jobs
Skilled Employee  Ministry of Skill Development and available
Employer Mapping Entrepreneurship (MSDE) 3 IT based AI-driven interfaces:
(ASEEM)  Employer Portal – Employer onboarding, Demand
Aggregation, candidate selection
 Dashboard – Reports, Trends, analytics, and highlight
gaps
 Candidate Application – Create & Track candidate
profile, share job suggestion
Ayurveda Gyan To provide a platform to Ayurveda  To promote the culture of reporting evidence-based
Naipunya Initiative practitioners for reporting their innovative practice among Ayurveda Practitioners
(AGNI) practices & and experiences in various  To document the reported successful therapeutic
 Central Council disease conditions regimens for various disease conditions involving single
for Research in drug / Formulation/ Procedures for the purpose of
Ayurveda education and academics
Sciences  To identify the interested Ayurveda practitioners for
collaboration in the creation of a database through
applications and capacity building through training in
research methods and good clinical practices
 To undertake research for mainstreaming pragmatic
practices through scientific validation and evidence-
based appraisal
Under PM Fasal Bima  YES-Tech Manual: Yield estimation system, offering methodologies, best practices, and integration
Yojana insights for accurate yield assessments at the gram-panchayat level
 WINDS portal: Centralised platform that hosts, manages and processes hyper-local weather data
collected by automatic weather stations and rain gauges at taluk/block and gram panchayat levels –
Enhances risk assessment and decision-making in crop insurance, agriculture advisories, and
disaster mitigation, supporting the agricultural sector and rural economy.
 AIDE/Sahayak: Door-to-door enrolment app to make crop insurance more accessible
Seed Authentication,  19 Apr 2023 Effective monitoring, efficiency and transparency covering Seed
Traceability &  Under National Food Security chain from Nucleus- Breeder-Foundation-Certified Seed
Holistic Inventory Mission
(SATHI) portal
National Agriculture Under Integrated Scheme for  Pan-India electronic trading portal which networks existing
Market (e-NAM) Agriculture Marketing (ISAM) APMC mandis
 Support State govts to govern agri produce marketing
Virtually Integrated  DPI for Agriculture Extension  RAWE: Integration of Agri students for behavioral interaction
Systems To Access  Under Sub-Mission on through VISTAAR Bot and Feedback system
Agricultural Agriculture Extension (SMAE)  IMD: Weather forecast integrated through DAMU along with
Resources (VISTAAR)  Disseminating technology to advisory delivery through VISTAAR
farmers through Agricultural  Capacity building on digital extension for Krishi Sakhi, Pashu
Technology Management Sakhi, and Matsya Sakhi of NRLM
Agency (ATMA) at district level

Apurva AI Under Sub-Mission on Agriculture  Acts as a peer-to-peer learning Platform

Extension (SMAE)  Impact Assessment of schemes
Kisan Suvidha By National Informatics Centre, MeitY All services / schemes / information relevant to farmers linked as a
common platform
e-Jagriti To offer an efficient, speedy, and  Central hub for consumer commissions, seamlessly
economical software solution for integrating various grievance platforms [Online Case
resolving consumer disputes across Monitoring System (OCMS), E-Daakhil, & National Consumer
all levels. Dispute Redressal Commission (NCDRC)]
 Modules for case filing, online fee payment, and case
monitoring, facilitating the swift disposal of cases by all
commissions
 Smart search feature powered by AI technology to efficiently
locate archived consumer complaints, cases, and judgments
 Virtual court facility, providing consumers with a convenient
and accessible means of resolving their complaints
Vidyanjali  16 June 2016  Who can contribute: Serving and retired teachers, scientists,
 Department of School govt/semi-govt officials, ex-army, self-employed and salaried
Not to be confused with: Education and Literacy professionals, homemakers, NRIs/PIOs, home-makers,
EdCIL Vidyanjali  Under Sarva Shiksha Abhiyan organization/group or company i.e. anyone
Scholarship Programme –  Where: Govt/ govt aided schools of their choice pan-India
extending financial
 What can be contributed:
assistance to
economically o Services/activities
marginalized and
meritorious students of
Navodaya Vidyalayas
e-Shram  26 Aug 2021
 National Database of
Unorganised Workers verified
and seeded with Aadhaar
Shram Suvidha Enhances convenience of reporting,
transparency in labour inspection
and monitoring of labour inspection
based on key performances indices
Vidya Lakshmi Managed by NSDL e-Governance
Infrastructure Limited
Unified Mobile Ministry of Electronics and
Application for New- Information Technology (MeitY) and
age Governance National e-Governance Division
(UMANG) (NeGD)
Skill India Digital  Facilitates discovery & recommendation of skill sets through AI/ML
(SID) platform  Digital job exchange
 Provision of digitally verifiable credentials to ensure authenticity of skill certifications – Digital Skill
o Assets/materials like basic civil infrastructure, basic
electrical infrastructure, digital infrastructure
o Equipment for extra-curricular activities & sports, yoga
o Health and safety aids
o Teaching learning materials
o Maintenance & repairs
o Office stationery/furniture/support services/needs
 Provision of Universal Account Number (UAN) to these
workers
 Registration under 30 broad occupation sectors and around
400 occupations
 Integrated with,
o National Career Service (NCS) Portal allowing for job
opportunities
 Avail DigiSaksham Programme
o Pradhan Mantri Shram-yogi Maandhan (PM-SYM)
pension scheme [18-40 years]
o Skill India Digital portal
 Allotment of Unique Identity i.e., Labour Identification
Number (LIN)
 Online Inspection System and Filing of Online Inspection
Report (transparency)
 Common Online Registration and Filing of Self-Certified and
Simplified Single Online Annual Return (ease of compliance)
 Unified e-Challan cum Return (ECR) under EPFO/ESIC
(reduce transaction costs)
 Gateway to Scheduled Banks education loans
 Tracking the Education Loan right from the inception of loan
application to the sanction of loan
Single platform for pan India e-Gov services ranging from Central to
Local Government bodies
MSDE card
 Convergence with skilling schemes, eShram / EPFO / NCS, Education, Udyam, Aadhar, DigiLocker,
GatiShakti, UMANG, AgriStack, PLI Schemes, ODOP, and High Economic Indicators like GSTN, EPFO
Trends, Import/Export Trends
 Counselling & Mentorship
 Digital Discovery of Courses and Centers (Skills Hubs/ ITI) on Map
Udyam Assist MoMSME with SIDBI  Bringing Informal Micro Enterprises (IMEs) in the formal ambit
Platform (UAP)  Certificate issued treated at par with Udyam Registration Certificate for
availing PSL
SAHAY GST A platform which enables instant digital lending to MSMEs and replaces physical collateral with secure
access to GST invoices
Unified Logistics  Under National Logistics  Provide data to be used by stakeholders for simplification of
Interface Platform Plan (2022) and in-line with compliance, & approvals
(ULIP) PM GatiSakthi  To enable industry players to get secure access to info related to
 Developed from NICDC‟s logistics & resources available with various Ministries
Logistics Data Bank Project
eGramSwaraj Ministry of Panchayati Raj  Work-based accounting application
 Panchayat Planning
 Onboarding of schemes
 Grievance redressal
National Initiative for Ministry of Panchayati Raj  Access to critical information discussed during a Gram Sabha
Rural India to  Means of verification of facts where necessary or in case of
Navigate, InnovAte queries that may arise regarding the resolutions undertaken
and Resolve during the Gram Sabha
PanchaYat (GS
NIRNAY)
mActionSoft Ministry of Panchayati Raj Photo capturing with Geo-Tags done in all three stages viz. (i) before
start of the work, (ii) during the work and (iii) on completion of work

PM Suraj Ministry of Social Justice and Loan application and processing portal for loans under National
Empowerment Scheduled Castes Finance & Development Corporation, National
Backward Classes Finance & Development Corporation, and National
Safai Karmachari Finance & Development Corporation
National Digital  Ayushman Bharat Health Account (ABHA) Number
Health Mission  Services e-Health Assistance and Teleconsultation (SeHAT): Teleconsultation of MoD for all entitled
personnel and their families
  e-BloodBank App and eRaktKosh for blood banks
 e-Hospital application: Hospital Management Information System (HMIS) for internal workflows and
processes of hospitals connecting patients, hospitals and doctors
 Aarogya Setu app
Other digital health apps:
 ANMOL: tracking of beneficiary for proper health care and promote family planning methods being
adopted by them. System also facilitates to ensure timely delivery of full competent of antenatal,
postnatal & delivery services and tracking of children for complete immunization services
 NIKSHAY: TB patients and TPT beneficiary management
 Kilkari: weekly, time-sensitive audio information about reproductive, maternal, newborn and child
health (RMNCH)

PYQ GOVERNMENT SCHEMES

2019 NIRMAYA, GOAL, Skill India, Jal Sakthi Abhiyan
2021 Operation Greens, SVAMITVA, SVANIDHI, PM Garib Kalyan Package, Kisan Suvidha portal,
Digital India mission – Healthcare, ONORC, Sovereign Gold Bond, STARS, PM KISAN, AMRUT
2022 ONORC, SMILE, PM Adarsh Gram Yojana, PM Kisan Maandhan Yojana, Sovereign Gold Bond,
One Stop Centre, Rashtriya Gokul Mission, Stand-up India, Bhoomi Rashi portal, Sahakar
Mitra, PM Matsya Sampada Yojana, PM Vaya Vandana Yojana, PM e-Vidya, PM Cares for
Children
2023 Mission LiFE, PVTG scheme, e-Shram portal, PM JAY, Stand-up India, Sovereign Gold Bond,
PM Scholarship Scheme, Swadhar Greh, PM Bharatiya Janaushadi Yojana, Mahila Samman
Certificate, PM Kisan app, Sukanya Samriddhi Yojana, PM Mudra Yojana