Govt. Schemes 2016-17

Government Schemes
2016-17
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Summary of all Government schemes launched in India during 2016-17

Government Schemes 2016-17
Contents
Deen Dayal Antyodaya ............................................................................................................................................................... 3
Start Up Village Entrepreneurship Programme ..................................................................................................................... 3
Rural Self-employment training Institute ................................................................................................................................ 4
Kayakalp - Award Scheme: All You Need To Know ............................................................................................................... 4
Deen Dayal Upadhyay Grameen Kaushal Yojana ................................................................................................................. 6
Important Sectors focused by DDUGKY .................................................................................................................................. 6
E-Nivaran : Online Tax-Related Grievance Redressal Scheme ............................................................................................ 8
Pradhan Mantri Surakshit Matritva Abhiyan ......................................................................................................................... 9
Skill India Mission: All You Need To Know ............................................................................................................................. 11
Pradhan Mantri Zero Deficit Zero Effect Scheme: Explained ............................................................................................ 12
Baristha Bunkar Sahayata Yojana: Explained ...................................................................................................................... 13
Pradhan Mantri Vittiya Saksharta Abhiyan .......................................................................................................................... 15
Pradhan Mantri Kaushal Vikas Yojana .................................................................................................................................. 16
Technology Acquisition and Development Fund .................................................................................................................. 18
Better Than Cash Alliance Network ....................................................................................................................................... 19
Sovereign Gold Bonds Scheme ................................................................................................................................................ 20
Kalinga Shiksha Sathi Yojana .................................................................................................................................................. 22
Pradhan Mantri Yuva Yojana ................................................................................................................................................... 23
Kisan Credit Cards ..................................................................................................................................................................... 25
Top Banks Providing Kisan Credit Card in India .................................................................................................................. 27
Digi Dhan Vyapar Yojana: Key Points To Know ................................................................................................................... 27
4 Projects Under Nava Kerala Mission .................................................................................................................................. 28
Lucky Grahak Yojana by NITI Ayog ........................................................................................................................................ 30
MCLR : Marginal Cost of Funds Based Lending Rate- Explained ..................................................................................... 31
Aadhaar Enabled Payment System (AEPS) : At a Glance ................................................................................................... 32
Vasundhara Raje's Annapurna Rasoi Yojna ......................................................................................................................... 35
4 Insurance Schemes Launched for People with Disabilities (PwD) ................................................................................. 35
Swavlamban Health Insurance Scheme: All You Need To Know ...................................................................................... 37
Key Points Of Project Saksham for CBEC .............................................................................................................................. 38
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Mission Bhagiratha : Safe Drinking Water Scheme - Explained ....................................................................................... 40
Various Skill Development Schemes for Minorities ............................................................................................................. 41
Voluntary Disclosure and Surcharge Waiver Scheme: Key Features ............................................................................... 42
Swachh Swasth Sarvatra Abhiyan: All You Need To Know ................................................................................................ 44
BHIM (Bharat Interface for Money): All You Need To Know .............................................................................................. 45
Nagar Uday Scheme: All You Need To Know ....................................................................................................................... 47
National Skill Development Mission (NSDM): Explaine ...................................................................................................... 48
Atal Amrit Abhiyan - Health Insurance Scheme in Assam ................................................................................................. 50
National Youth Policy - Explained ........................................................................................................................................... 51
Urja Ganga Yojana: All You Need To Know .......................................................................................................................... 52
Pradhan Mantri Ujjwala Yojana: All You Need To Know .................................................................................................... 55
National Apprenticeship Promotion Scheme: Explained .................................................................................................... 56
Deendayal Upadhyay Swaniyojan Yojana: Explained ......................................................................................................... 58
Suryamitra Skill Development Program: Explained ............................................................................................................. 59
Pravasi Kaushal Vikas Yojana: All You Need To Know ........................................................................................................ 60
Skill Banks: All You Need To Know.......................................................................................................................................... 61
Nayi Manzil Scheme: All You Need To Know ........................................................................................................................ 63
DeenDayal Upadhayaya Gram Jyoti Yojana: Key Points .................................................................................................... 64
Digi-Locker Scheme: All You Need To Know ......................................................................................................................... 65
NTR Arogya Raksha Scheme: Explained................................................................................................................................ 66
Shyam Prasad Mukharjee Rurban Mission: Key Points ...................................................................................................... 68
INSPIRE: Innovation in Science Pursuit for Inspired Research Program ......................................................................... 69
List of Government Schemes in India 2016-17 .................................................................................................................... 70
UDAAN Scheme: All You Need To Know ................................................................................................................................ 77
Vidyanjali Scheme: School Volunteer Program: Key Points ............................................................................................... 78
SWAYAM Scheme: Important Things to Know ..................................................................................................................... 79
E-Paathshala: Service To Higher Education Institute: Key Points..................................................................................... 80
Pradhan Mantri Jan Aushadhi Yojana: Important points to Know .................................................................................. 81
Chief Minister Samagra Gramya Unnayan yojana (CMSGUY)-Key Points ...................................................................... 82
Prime Minister Gramin Digital Saksharta Abhiyan: Key Points to Remember ............................................................... 83
Attracting and Retaining Youth in Agriculture (ARYA) Scheme ........................................................................................ 84
Deen Dayal Antyodaya
Introduction
National Rural Livelihood Mission (NRLM) also known as Deen Dayal Antyodaya Mission
In 2011, the scheme was launched in rural areas to expand livelihoods in small enterprises, agriculture
based rural areas and employment in formal sector
Objective is to nurture rural power till they comes clear of abject poverty
Bridge gaps between skilled labor and industries
NRLM forms the basis for an umbrella of skill development schemes like MGNREGA, Deen Dayal Upadhyay
Grameen Kaushal Yojana, RSETI, SVEP etc
These schemes are discussed as follows
MGNREGA
Recently celebrated the 10th year of inception

Aligned with sustainable development of the economic, environment and social
57 percent of women participation
40 percent of SC category people benefited
Employment of 1970 crore person-days generated since inception
Rural employment of 100 days extended to 150 days
SAMARTHYA A set of 10 training programmers focusing on technical education created under MGNREGA
by Ministry of Rural Developmen
Start Up Village Entrepreneurship Programme
Start Up Village Entrepreneurship Programme Ministry of Rural Development (MoRD)

(SVEP) established to streamline the economic established training institutes to impart skill on
growth from grass roots (villages) a village level basis
Objective is to create self-employment This will be a foundation program for skill
opportunities for inclusive growth development
Enhance opportunities for entrepreneurship Deen Dayal Upadhyay Grameen Kaushal Yojana
among rural youth Skill Training imparted on green, grey and
Training and skill programs are mainly service sectors
conducted in the manufacturing sector to create Different strategies like ICT usage, vocational
jobs and increase incomes training, skill development models, residential
training, workshops
Offers placement to trained youth
Guides in foreign placement The key beneficiaries include SC/ST and women
HIMAYAT and ROSHNI skill development Main aim is to place 75 percent trained people
programs in J & K and North East respectively in jobs
Rural Self-employment training Institute
Rural Self-employment training Institute (RSETI) As a result of these skill training schemes, the
set up to impart skill and technical training to livelihoods of the rural poor are likely to improve
rural youth NRLM schemes expand formal sector
Training programs mostly cover agricultural employment in the manufacturing sector
practices, products, process and general Semi-skilled labour will increase in the
entrepreneurship manufacturing sector as a result of NRLM
Helps rural youth to set up self-employment There will be a growth in the quality and
avenues demand for manufactured goods in global
Creates new employment opportunities markets
Hand holding ensured credit linkage and There will be a shift from agricultural produce
microenterprise sustainability market to manufacturing sector in rural areas
Implemented by banks in each district with the as a result of NRLM
collaboration of Ministry of Rural development NRLM schemes will help in the establishment of
and respective state governments agro-based industries
Entire funds of SETI are managed by NRLM will provide scope for value addition,
public/private sector banks innovation and entrepreneurship
The above schemes will uplift the rural poor and
Conclusion
improve their livelihood
Kayakalp - Award Scheme: All You Need To Know
Introduction experience.
The Prime Minister of India Narendra Modi

Ministry of Health And Family Welfare has launched
introduced the Swachh Bharat Mission as on 2nd of
a New initiative named as KAYAKALP at the
October, 2014 to promote cleanliness in public
national level to promote cleanliness and enhance
space. Cleanliness and hygiene in Public Space are
the quality of public health facilities in Hospitals,
good for healthy living, but it becomes a need when
Clinics, Public Space, etc. The main Aim of this
we talk about health care facilities. Cleanliness not
initiative is to appreciate and recognize their effort
only prevents the spread of infection but also it
to create a healthy environment in the Society.
provides the patients and the visitors a positive
Swachhta guidelines for health facilities along with One Primary Health Centre in every district will get
this initiative have also been issued. the best Award.
Objective:
Parameters of the Health Facility Centre:
The Main objective of the schemes are as follows:
There are few parameters on which the
For successful implementation of this scheme performance of these Health Facilities Centre
the Government of India is trying to promote would be judged are as follows:
cleanliness, hygiene and Infection Control

Practices in public Health Care Facilities through Hospital or Facility Upkeep
various channels like Print Media, TVs, Sanitation and hygiene
Campaign, etc. Waste Management
To incentivize and recognise such public Infection control
healthcare facilities that show exemplary Support Services
performance in adhering to standard protocols Hygiene Promotion
of cleanliness and infection control.

Basic Criteria for application to the Awards
To infuse a culture of ongoing assessment and
Scheme:
peer review of performance related to public
health care, hygiene, cleanliness and sanitation.
To create and share sustainable practices Following are the criterias for applying for an
related to improved cleanliness in public health award:
facilities linked to positive health outcomes.

Constituted a Cleanliness and Infection Control
Committee in District Hospitals or Sub-District
Award Categories: Hospitals to monitor the process.
Instituted a mechanism of periodic review i.e.
The awards would be categorised are as follow: internal assessment based on defined criteria.
Achieved a minimum of 70% score in the criteria
The Award will be given to best 2 District during the peer assessment process.
Hospitals in each state (Best District hospital in The Best Hospital out of all will get Award at
states). National Levels.
The Award will be given to best two Community The Award Committee at the district level is
Health Centres or Sub-District Hospitals (limited to headed by the District Magistrate
one in small states).
.
Fast Facts
Certificate of
Level of Facility Awards
Commendation
District Hospital 1st Prize -

50 Lakh
District Hospital Rupees 3 Lakh.
District Hospital 2nd Prize
20 Lakh
Winner Maximum of 2
Public Health Centre Rupees 50,000.
Lakh
Winner 15 Lakh
CHC and SDH Rupees 1 Lakh.
Runner-up 10 Lakh
Deen Dayal Upadhyay Grameen Kaushal Yojana
Introduction Regions affected by left wing extremism and

North East ROSHNI
Deen Dayal Upadhyay Grameen Kaushal Yojana
Targets about 5.5 crore (census 2011) potential
(DDUGKY) is a skill development program under
workers in rural areas in the age group of 15 to
National Rural Livelihood Mission (NRLM) to bring
30 years
about an inclusive growth in rural areas
Nodal Agency
Aim
Ministry of Skill Development and
DDUGKY aims to place 75% trained people in
Entrepreneurship
guaranteed employment
Implemented through National Skill
Target Development Corporation
Disadvantaged groups Comes under National Rural Livelihoods
SC/ST comprises 50% Mission
Minority community constitute 15%

Women constitute about 33%
Focus on poor youth of rural J&K - HIMAYAT
Important Sectors focused by DDUGKY
Green sectors including Waste management

Floriculture
Renewable energy
Eco tourism PPP mode in institutions

Organic production Diversified courses
Animal husbandry Building a pool of trainers
Practical training
Grey sectors including
Technical training
Manufacturing Placement assurance
Transportation
Key Benefits of DDUGKY
Furniture making
Construction Bridges challenges like lack of formal education
Metal art Develops marketable skills by funding training
Wooden art projects
Handlooms Provides placement to trained rural youth
Retention of trained people
Service sector including
Foreign placement
Telecom Career progression
Healthcare
Issues in DDUGKY
Electrician
Hotels High level of school drop out rate
Tailoring Depletion of natural resources
Eroding socio cultural heritage
Strategies adopted in DDUGKY to train rural
Emotional stress
youth
Lower educational levels
Vocational Education Access to skill training
Creating awareness Already employed in low skilled jobs
Motivational training programs Rural women stay unemployed during child birth
Sensitizing workshops Economical stress
Induction Work safety and security is a concern for rural
Orientation women at work place
Evolving skill development models Misguided development interventions
Residential training Issues arise with the working hours of the rural
Short duration courses population
Long duration courses
Conclusion
ICT usage
Life skills improvement DDUGKY aims at expanding the scope of
Sensitizing industries livelihoods available to the rural poor
Creating more effective schemes The scheme addresses the industry specific skill
New VTI establishment demand
Training at cluster and block level Special emphasis on developing skills for non-
Certification farm sector to get job outside agriculture field in
Assessment rural areas
DDUGKY aims to promote entrepreneurship The scheme will also indirectly contribute to
among the micro and cottage industries in the control the mass urbanization with the rural
villages people migrating in large numbers to urban
The scheme aims to develop rural India by areas for a better standard of living
developing a skilled workforce in the rural areas
E-Nivaran : Online Tax-Related Grievance Redressal Scheme
Introduction To deal with the concerns an Electronic-

Prevention Plan is being launched as a pilot
The Government of India has initiated a major steps
basis in New Delhi.
towards the issues related to taxpayers. E-Nivaran
Initiatives are being taken to create awareness
scheme (The new system is called as unified tax
among masses about tax policies and
related grievance management system) is an
procedures.
electronic system which is launched by Union
The Whole process will be done over Electronic
Government to address the Income tax issue
Media i.e. on Single Screen on Computer
and Income Tax grievance through one screen and
(Through Website).
ensure early resolution or redressal of their
Union Government Advised CBDT to resolve the
complaints. E-Nivaran has been launched by the
query related to Tax issues within a month
government of India and the whole works will be
which may be further reduced with time.
done under one screen i.e. In paperless environment
under the eyes of an assessment officer of IT
Benefits
department.
Today there are various ways to register Income tax
Fast Facts of the Scheme related issue and grievances by the common
people. But for that they have to approached to
The E-Nivaran Scheme launched to resolve all
correct department based on type of complaint tax
the query related to tax issues in a single screen
payers are facing. Now this is very tough task and
under the scanner of assessment officials.
time taking and many people don't know where to
Prime Minister Narendra Modi advised the
go and where to get solutions. For example, a
Income tax department and Central Board of
grievance regarding your PAN card may be
Direct Tax to take care of tax payers by solving
registered with the two dedicated helplines of NSDL
the query as soon as possible related to tax
e-Governance Infrastructure Ltd. and UTI
issues.
Infrastructure Technology and Services Ltd.
This Scheme is also launched with a motto to
Therefore, it means that online complaints are
reduce the paper works, so as it would save time
tracked by a different system compared to offline
for both the Tax Payers & the departments.
ones, makes the grievance resolution process
The Main Aim of this Scheme to reduce the
lengthy and difficult as help line numbers are also
Forged cases on tax evasions, etc. & to provide
different. Hence, government has understand this
assistance through electronic media.
issue of the common man and thus launched the e-
Nivaran to bring convenience to the people / ease offline complaints and also have an in-house
on work on tax related issue. mechanism to transfer grievances to the right
departments.
How It Helps to Tax Payers
With E-Nivaran, Everyone will be able to track
After implementation of E-Nivaran Scheme it their complaint and get a solution on the real-
uses technology with a aim to ensure easier and time basis.
faster resolution of complaints. All complaints will be monitored by an
The system not only records the origin of the assessment officer for time-bound resolution.
grievance on the electronic platform it works on, A separate and dedicated window for grievance
but also keeps tracking of all figures & data, it redressal in the Income Tax Business Application
till it reaches its logical conclusion for final (ITBA), from now, this recently launched new
resolution. smart electronic platform will handle the regular
Thus, E-Nivaran will be the one-stop-shop for all operations of the department.
grievances. The system will integrate online and
Pradhan Mantri Surakshit Matritva Abhiyan
Introduction: Screening for the applicable clinical conditions

in the State or District.
Suitable management of any existing clinical
Scheme is Launched to improve the quality and
condition like Anemia, Pregnancy induced
coverage of Antenatal Care with Diagnostics and
hypertension, Gestational Diabetes etc.
Counselling services as part of Reproductive
Proper counselling services in the State or
Maternal Neonatal Child and Adolescent Health.
District.
Objective: Proper documentation of services rendered
It offers some additional opportunities to all

Main Strategies:
pregnant women who have missed their ante-
After extensive deliberations with National level
natal visits due to some reasons.
experts, it has been suggested that Pradhan Mantri
It ensures to provide care provision by a Doctor,
Surakshit Matritva Abhiyan will be held on the 9th
Physician or Specialist in at least one antenatal
of every month, wherein all of the essences of the
visit in the second or third trimester.
maternal health services will be provided at
It also Improves the quality of care taken during
identified public health facilities as well as
ante-natal. This includes ensuring of the below
accredited private institutions and clinics,
services.
volunteering for the Pradhan Mantri Surakshit
It provides applicable diagnostic services
Matritva Abhiyan. These services will be provided by
the Medical Officer or by Specialist. Facilities where
such trained manpower is not available, services In certain cases, where additional investigations
from Private Practitioners (OBGY) on a voluntary are required, beneficiaries should be advised to
basis are to be arranged. PMSMA will help in get those investigations done and share the
providing quality ANC & also detection, referral, report during next PMSMA or during her routine
treatment and follow-up of high-risk pregnancies ANC check-up visit.
and women having complications.
Roles and Responsibilities of Service Providers:
Basic Strategies:
To nominate a nodal officer for PMSMA who will
Formation of Perfect Planning and Execution of be responsible for the execution of the PMSMA
committees at National, State and District level. in the State or district.
Identification and Mapping of the To nominate a person for execution of the
Facilities/Clinics (both Public and Private Sector) awareness campaign in the State or district.
where services under PMSMA will be delivered. To nominate a person for District Nodal Officer.
Planning to create awareness among the To ensure that every facility is provided with a
beneficiaries and service providers for medical officer
Successful implementation of PMSMA by Radio To identify the facilities were PMSMA will be
Channels, TVs, Print Media, etc. organised based on the criteria/prerequisites as
Estimation of the logistic requirement mentioned in the above section.
Capacity building of the health care providers To conduct orientation and training of all the
on the service package to be provided during staff on the operationalization of PMSMA
the PMSMA. To coordinate with District Program Manager
Estimation of Total Budget for successful and supply chain management team in
implementation of PMSMA. providing all the logistics required by the
facilities for organising PMSMA.
Provision of services during PMSMA:
To coordinate with District IEC/BCC nodal
All the beneficiaries visiting the Facility should person for implementation of mass awareness
first be registered in a separate register for campaigns in the district.
PMSMA. After registration, ANM & SN to ensure To plan and execute supportive supervision
that all basic laboratory investigations are done activities
before the beneficiary is examined by the To facilitate empanelment and mapping of
OBGY/Medical Officer. private specialist doctors volunteering to offer
The report of the investigations should ideally be services during PMSMA. Coordinate with Facility
handed over within an hour and before the In- charge for their deployment
beneficiaries are meeting the doctors for further
Conclusion:
checkups.
This will ensure identification of High-Risk status If all pregnant women in our country are examined
(like anaemia, gestational diabetes, by a Medical officer and appropriately investigated
hypertension, infection etc.) at the time of at least once or twice during the PMSMA. This can
examination and further advice. play a vital role in reducing the number of maternal
deaths in India. Implemented well, it can prove to be
a game-changer and a sturdy stepping stone for the achievement of the sustainable development goals.
Skill India Mission: All You Need To Know
Introduction GOI Stake 49%

Industry stake 51%
Skill India mission is a long-term strategy to
Private participation more than government
address the shortage of skilled persons and
promote faster, inclusive and sustainable Beneficiaries
growth.
Unorganized sector employees
Important facts Unemployed youth
School drop outs
Boston Consultancy Group (BCG) has predicted
Male employees in unorganized sector
that by 2020 there will be shortage of 47 million
Female employees in unorganized sector
working people in the rest of the world
There is a skill gap between employment and Elements of Skill Development
employability with 56 percent school drop outs
Motivation Trainer and Student
with employers finding a skill shortage of 53
Fresher training
percent
Re-Skilling
66 percent (883 million) of Indian population will
Integration
be in the working age group of less than 35 by
Recognizing
2020 according to Twelfth plan
Funding
Considering the demographic dividend, India will
Monitoring
have an advantage over China from the year
MIS
2015
Aadhar Card linkage
India will have a surplus of 56 million skilled
Rational outlook
people by 2020 as a result of the Skill India
Assessment of increase in income productivity
campaign
as a result of skilled labor
Nodal Agencies New schemes are devised and released under
Skill India Mission like Pradhan Mantri Kaushal
National Skill Development corporation
Vikas Yojana
Ministry of Finance
Ministry of Skill Development and Challenges
Entrepreneurship
Magnitude NSDC requirement of 12 crore
Funding skilled manpower in 24 key sectors by 2022
High order skill sets of efficiency, diverse and
Funding based on PPP mode
geographically suited
Target demography of different educational and Nearly 833 million of unorganized labor will be
class backgrounds trained and placed in industry
Perception vocational and regular courses India will emerge as the skill capital of the entire
Integration to fix demand-supply gap world supplying skilled labor force to the
Lack of labour management system developed nations
Lack of mobility The demand for skilled Indians abroad is going
Minimal industry role to increase from 2015 after the ageing problem
Less social acceptability starts in China
Quality of skill development and training Skilled workforce will increase the output in the
programs at stake with lack of infrastructure industry both domestic and foreign
Enrollment in Skill development programs needs Skilled people will help save time and increase
awareness among rural masses the efficiency
A new skill development department will be
Conclusion
created resulting in the creation of more jobs in
Skill India Mission is projected to improve the the formal sector Overall, Skill India mission is a
skills of the Indian workforce long term strategy initiated by GOI through an
Skill India Mission will make skilled labour a umbrella of schemes aimed at developing India
competitive advantage among world nations as a skilled super power in the entire world
Pradhan Mantri Zero Deficit Zero Effect Scheme: Explained
Introduction: This Scheme ensures that all the Micro Small

and Medium Enterprises are delivering High
Zero Defect, Zero Effect Scheme or ZED is a new
quality product using clear technology.
initiative launched by Prime minister Narendra
Under this ZED scheme, The Micro Small and
Modi. The scheme is launched to increase the
Medium Enterprises companies which follows
quality of products matching global standards for
the guidelines set by ZED and meet the
Micro Small and Medium Enterprises Sector i.e.
standards set by the ZED will be awarded ZED
MSME.
certification along with various benefits.
Objective: All MSME plays a vital role in the economy and
by creating good quality products the country
The main objective of this Zero Effect, Zero
will be able to lift up its infrastructure, etc. That
Defect scheme is to supress the bad effect of
means its a major steps taken by Narendra
products on environment. While MSME sector
Modi Government towards the development of
plays a vital role in the GDP of a country i.e.
the country.
India , this scheme also helps to contribute to
Under this a few parameter was fixed that are
environment as well.
specific for each MSME industries.
The main purpose of this Scheme is to Match
the Global quality control standards.
Benefits of ZED certification:
lower costs and Streamlined operations. Government Support

Reduced rejection, Superior quality and higher
To help the Micro Small and Medium Enterprises
revenues.
through Funding and Proper training.
Increased social and environmental benefits.
The Government will emphasise on producing
Generation in Employment.
items that have Zero Deficits so as to achieve
It may control the pollution level in some of the
the quality.
largest cities like Delhi, Mumbai, Kolkata.
The main aim of Government to encourage a
ZET Model: sustainable environment & development and

therefore all the parameters will be to
The MSME companies will be given a strict
encourage through same way.
guidelines based on which they have to work
around the procedures.
The main focus will be to enhance the quality
and to lift-up the environment.
Baristha Bunkar Sahayata Yojana: Explained
Introduction The pension amounts shall be sent directly to

the beneficiaries bank accounts.
The Odisha Government launched a new scheme
Around 8,000 weavers will be benefited by this
named Baristha Bunakar Sahayata Yojana for
scheme who has been working in this field for
those weavers, who have become aged on 7th
more than 20 years.
August, 2016. This scheme was launched by Odisha
Chief Minister Mr. Naveen Patnaik. This day (7th
Key Features:
August, 2016) was declaring National Handloom
Under this scheme all weavers within age of 60
Day for our country. This scheme is aimed at
years would get a monthly pension of 500
providing financial assistance to the weavers in the
rupees per month and above age of 80 years
state. Odisha Government has initiated various
would get 700 rupees per month.
welfare schemes for the weaver community in the
As per the government reports, Odisha a home
state and increase the reach of Handloom.
of nearby 1.5lakh weavers including 78%
Objectives: women engaged in Handloom production and
they produces Handloom Fabrics worth 160
Under this scheme all weavers within age of 60
crore rupees.
years would get a monthly pension of 500
Some Handloom products are Berhampuri Pata,
rupees per month.
Maniabandha, Sambalpuri, Bomkai, tie and dye,
Under this scheme all weavers above age of 80
Khandua, Saktapar Sari etc.
years would get 700 rupees per month.
Odisha Government Chief Minister Mr. Naveen Those weavers whose age are 60 years and
Patnaik distributed awards for those who have above age of 80years and fulfill above the
been working really hard and offering our criteria will get 500 rupees and 700 rupees
country with the production of the weaver in monthly.
Odisha. Those weavers who has been working in these
This schemes main motive is to provide fields for more than 20 years service duration in
financial assistance to the weavers and also the handloom industries.
promote the Handloom business at
Additional Details:
international level.
The Annual Budget of this scheme around 5 Around annually 5crore rupees for implementing
crore rupees. for this scheme.
This scheme does nothing to encourage the There will be site specific survey that will lead to
young weavers of the state. review of weavers condition.
This scheme could have provided some financial This scheme will help in bringing out solution for
support to young weavers too. the problems faced by the weavers.
Textile inspectors and field stuff are visited of all
Eligibility Criteria
the families weavers individually and know
Under this scheme there are mainly two about their requirements to improve the
criterions which contenders follow to get the livelihood of the weavers.
pension.
Fast Facts
Facts Figures
Name of the scheme Baristha Bunakar Sahayata Yojana
Launched by Odisha State Government
Launched on 7th August, 2016
Government Odisha
Chief Minister of Odisha Mr. Naveen

Announced by
Patnaik
Scheme type Pension scheme
Eligibility Weavers welfare
Above age of 60= Rs. 500

Pension amount
Above age of 80= Rs. 700
No. of weavers are

Around 8,000
benefited
Budget Rs. 5crore
Pradhan Mantri Vittiya Saksharta Abhiyan
Introduction their hands to use cashless transactions in their

daily life. This Scheme also aims to create a strong
Vittiya Saksharta Abhiyan is a government initiative
digital economy and put India in digitally developed
launched by the Government of India in the
countries and leading countries in the global map.
demonetization drive across India to stop the
The main motto of this scheme is to make the youth
malpractice of corruption and to finish black money
and students getting involved in this major
in India. This Scheme was launched as on 1st
transformation that the nation is going through and
December 2016 by Human Resource Development
help others.
Minister (Prakash Javadekar) in New Delhi.
Authority
The Basic aim of this scheme is to go for cashless
Vittiya Saksharta Abhiyan is a program solely
transaction and payment modes like using credit or
governed by HRD ministry. The awareness scheme is
debit cards or the payment wallets to reduce the
to pass on from the old modes of transactions using
malpractice in the country. The Vittiya Saksharta
cash and to follow up new cashless transaction
Abhiyan Scheme is all about encouraging the
system.
common people to evolve and opt for cashless
transactions in the country and remove corruption Educational Institutions directed to take Major
out from its roots. The HRD minister also gone to Steps
social media like Facebook, Twitter, etc. to make the
To achieve the target of this big magnitude for
camping more efficient with successful result for
Vittiya Saksharta Abhiyan, The HRD ministry
Digital India & to go for Cashless Economy by
directed most of the Higher educational institutes in
reaching to more masses.
India to start practising the cashless transactions.
Aim The HRD minister Prakash Javadekar has appealed
such institute in India to join hands against
The main aim of the Scheme is to make the country
corruption and to switch over to cashless and digital
with the cashless economy and its citizen trying
economy in their campuses. These institutes have Modes of Transactions

been advised not to take any cash for tuition fees,
Debit Card
admission fees, hostel fees, library fees, etc.
Credit Card
However, these institutes can take their fees
Rupay Card
through Debit card, Credit card, Visa, etc. These
Visa Card
institutes are directed to follow cashless transaction
E-Wallet
system in the entire college, including college
Paytm
canteens and stores. The students can also take
Mobikwik
these initiatives and teach their parents, homes or
USSD Payment
locality and also share with their friends about the
Aadhaar Enabled Payment
basic advantages of having a cashless transaction
Mobile wallets
or digital transactions for their daily life.
POS transactions, etc.
Fast Facts
Fields Related Facts & Figures
Name of the
Vittiya Saksharata Abhiyan
Scheme
Governed By Human Resource Development Ministry
Launched on 1st December 2016
Launched By Union HRD Minister Prakash Javadkar
Main emphasis
Higher Educational institutions in India
on
Camping over Social Media, Higher Educational institutions, etc.
Pradhan Mantri Kaushal Vikas Yojana
Introduction Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is a

skill certification and reward scheme of the Indian
government
Aim Economically Weaker sections (EWS)

Unemployed youth
PMKVY helps to mobilise and enable a large Indian
Monetary reward for trainees
youth to become employed and take up skill
Certification provided by third parties after
training that is outcome based
assessment of candidate
Target
Drop out reasons
Class 10 and Class 12 dropout students
Males engage in economic activities at a
Special focus on youth in North Eastern states
younger age
Focus on youth of J&K
Females engage in domestic activities for a
Regions affected by left wing extremism
living
PMKVY now extended for another four years till
Lack of interest in education
2020
Financial constraint
Skill training to benefit more than 10 million
Timing of educational institutions not suitable
youth
Unfriendly
Nodal Agency Unavailability of teachers
Unfamiliar medium of instruction
Lack of training institutes
Entrepreneurship
Implemented through National Skill
Features
Development Corporation
Part of Skill India Mission
Funding Roping in training institutes to impart skills to
beneficiaries
Initial cost of the scheme is 1500 crores
Training of students conducted following
Fully sponsored by Central government
prescribed standards
In 2016, budget for PMKVY is extended to 12000
Standards created by industry driven bodies like
crores
Sector Skills Council (SSC)
67 crore allocated to efforts on mobilisation
Targets of skill training aligned with flagship
through skill melas
programs such as Digital India, Swachh Bharat,
Key Components of PMKVY National solar mission and Make in India
Short-term training PMKVY has a formal grievance redressal
Special projects mechanism
Recognition of Prior Learning Online citizens portal setup to convey
Placement Assistance information about PMKVY
Standardised branding and communication Industry relevant skill training
Continuous monitoring PMKVY portal includes a complete set of
Kaushal and Rozgar Mela database available to all courses and the
various training centres
Beneficiaries Aadhar enabled attendance system
School drop outs Training provided on a short-term basis
Certified under RPL (Recognition of Prior Conclusion

Learning)
PMKVY is a flagship scheme of GOI that has
Participating Organizations received good response throughout India and

extended for another four years till 2020
Awareness building and training programs
Millions of school drop outs will be trained and
conducted in coordination with
placed in industry
Panchayati Raj Institutions
This will improve productivity in due course of
State governments
time through skilled labour
Community-based organisations and
PMKVY will increase the skilled workforce in the
Municipal bodies
industry by 2020
Event management companies to conduct skill
Skilled workforce will directly contribute to Make
miles
in India, Digital India and other schemes
introduced by GOI
Technology Acquisition and Development Fund
Introduction TADF was established to encourage SME to
Technology Acquisition and Development Fund innovate and manufacture green products
(TADF) is set up recently by the department of

Objective of TADF
Commerce and Industry to fund green development
Facilitation of Green, Clean and Energy efficient
projects in India.About TADF
technologies through MSME
TADF established under National Manufacturing Projects under TADF take the form of patents,
Policy 2011 customized products, technology, specialized
Implementing agency is Department of services and industrial design
Industrial Policy and Promotion (DIPP)
TADF Schemes
Funds are managed by a joint venture GITA
(Global Innovation and Technology Alliance) Direct technology acquisition 50 % subsidy or
20 lakhs reimbursed for technology transfer
Need for TADF
Indirect technology acquisition - 50 % subsidy or
SME contribute to about 45 percent of India 20 lakhs reimbursed for mutually agreed value
exports Manufacturing technology/equipment 10 %
SME employs about 60 million Indians and ranks subsidy on capital expenses up to a maximum of
after Agriculture as the largest employer 50 lakhs
More than 6000 products are released yearly by Incentives for green manufacturing Green
SME giving a lot of scope in innovation in the building construction, environment friendly
SME sector measures etc
Features of TADF Scheme facilitates the acquisition of green and

clean technologies by SME
Financial assistance to Indian owned MSME
TADF helps bridge the technology transfer
Scheme applicable to all MSME in the NIMZ
between international and domestic player at
(National Investment and Manufacturing Zones)
affordable cost
SME patent and technology acquisition costs
TADF schemes will promote green concept
covered
among MSME
Direct patent acquisition costs reimbursed
Adoption of clean and green technologies will
Incentives given to adoption of innovation
be encouraged
technologies in water conservation, rain water
Environmental pollution will be reduced to a
harvesting, pollution control, waste water
great extent through proper waste disposal
treatment, green buildings and renewable
mechanisms and adoption of green
energy projects
technologies
Green buildings are encouraged through TADF
TADF will benefit both the manufacturing sector
Incentives given to reduced energy consumption
and at the same time contribute to the
and adoption of solar power systems
environment as a whole through adoption of
Conclusion clean and green technologies
TADF contributes directly to the Make In India

Scheme to promote manufacturing in India
Better Than Cash Alliance Network
Introduction Alliance is funded by Bill and Melinda Gates

foundation, Master card, Citi foundation, Visa,
The move towards cashless economy in India has its
Omidyar network and Ford foundation
roots from Jan Dhan Yojana triggered through UNs
Better Than Cash Alliance Network Aims and Benefits
Background Aim is to help countries to make a transition to

electronic or digital payments
Better than Cash Alliance Network is an
Alliance promotes inclusive growth
initiative of United Nations Capital Development
It reduces poverty by helping nations to benefit
Fund (UNCDF)
poor directly
UNCDF is the secretariat of the alliance based
The alliance promotes financial inclusion
at United Nations
It enhances digital finance
It is a partnership of international agencies,
Reduce costs for countries
companies and countries
Women empowerment
Increases transparency levels
Implications for India India has benefited a lot from the alliance in the
recent demonetization scenario
Better than Cash Alliance fueled the worlds
GOI has partnered with the alliance to make a
largest financial inclusion system of Jan Dhan
change to cashless economy
Yojana in India
It has improved transparency levels to a great
Helped open about 180 million accounts in a
extent by bringing most of the financial
year accumulating to $3 billion in deposits in
transactions under formal banking sector
India
Alliance has given India the required
Brought nearly 300 million Indian citizens under
infrastructure and technical expertise to change
formal banking sector in 3 years
to a cashless economy
The financial inclusion along with Aadhar
The alliance has helped India develop a digital
identification will help in identification of
economy
beneficiaries to provide subsidies
Creating awareness and changing the attitude
The LPG subsidy is a major success in India
of the Indians from traditional to modern
through DBT saving $2billion to GOI annually
methods is a big challenge
India can enhance its research and technology
India is progressing to a cashless economy
by joining in the alliance
despite facing a lot of hurdles and challenges
India gained a policy partner through the
UN Better than cash alliance is an aid to Indias
alliance
Digital India Mission
India is a great case study and success story of
Overall, India is changing with the partnership of
Better than cash alliance
the UN Better than cash alliance
Conclusion
Sovereign Gold Bonds Scheme
Introduction GOI needed to restrict the Gold imports to have

a positive balance of trade
Sovereign Gold Bonds scheme was launched in the
This created the need for Gold bonds scheme
budget session 2016 and approved by the cabinet
Gold Bonds are seen as an alternative to
to reduce the demand for physical gold
purchase gold metal
Background
About Gold Bonds
India is one of the largest importers of Gold in
Gold Bonds are issued by RBI with a fixed
the world
interest rate
The demand for Gold in India is rising rapidly
Ministry of Finance is the concerned ministry
Imports of India see a hike with Gold as the
RBI in consultation with Finance ministry
major contributor
determines the issuing amount
This affects the balance of trade figures for
India
Risk of gold price changes borne by the Gold Gold Reserve Fund will be created by GOI
Reserve Fund created by RBI through RBI
GOI aims to shift 300 tonnes of Gold purchased On gold bond maturity, redemption will be made
annually as bars and coins into the Gold Bond in Rupee only
Scheme Price of gold bond will vary with the market
This Gold Bond scheme is expected to help GOI prices of gold
sustain the current account deficit Investor needs to be aware of this price volatility
Gold bond deposits will not be hedged
How does Gold Bonds Work?
RBI has fixed tenor of the bond from 5 to 7
Gold Bonds are sold in banks years to protect the investors from medium
Investor can walk in buy the gold bonds from term volatility
the banks preferably where they have their
Limitations
Saving Bank accounts
Gold Bonds are treated in a similar manner as a NRI cannot buy gold bonds issued by RBI
Bank Fixed Deposit Common Indian buys gold for marriage and
The interest rates are fixed at 1 to 2 percent other occasions as a Jewellery and not for
The tenure of the bond is from 5 to 7 years investment purpose
Value of the bond is determined by the gold The attitude of a common Indian towards gold
price movements in the market is not of investor nature
Gold Bonds have an attractive feature This attitude will see a Luke warm response to
The investor will get the value of bond according the Gold bonds scheme
to the prevailing gold prices in the market at the Also, the interest rate offered is very low in the
time of redemption tune of 1% to 2%
In this manner, the investor will get the same
Conclusion
benefit of purchasing the metal gold without
actually purchasing it The effectiveness of the scheme will depend on
In this manner, GOI can restrict Gold imports to the investor attitude towards the gold bond
a certain extent scheme
Returns on gold bonds can be positive or GOI must take steps to change the mindset of
negative Indians from viewing gold as a jewellery or a
All risks of the gold bond are covered under the status symbol to an investment avenue
Gold Reserve Fund This transition in behavior of Indians will take
time
Features of Gold Bond
Overall, Gold bond scheme is a welcome
Bonds issued by RBI with a sovereign guarantee measure to cut imports on gold purchase
Bonds can be easily traded and sold on
exchanges
Kalinga Shiksha Sathi Yojana
INTRODUCTION Bankers to decide to whom loan would be

provided.
The Odisha Government launched a new scheme
Should not have availed similar benefit from any
named Kalinga Siksha Sathi Yojana (KSSY) for the
other Government or Institution for the same
aspiring students, who are willing to proceed with
purpose.
further high studies on 27th June 2016. This scheme
was launched by Odisha Chief Minister Mr. Naveen KEY FEATURES
Patnaik. He has announced this new education loan
This scheme is an educational loan for the poor
scheme for the students at only 1% interest. This
and ambitious students who want pursue higher
scheme is a very innovative scheme for the
education.
ambitious students of Odisha.
The loan facility will be given to the students on
OBJECTIVES the basis of their merit and the total annual
income of their family.
Government of Odisha have been pleased to
Under this educational loan scheme, the interest
further reduce the financial stress of the parents
rate will be 1% which is the lowest interest rate
facing hardship in paying high rate of interest
on any education loan till date.
by providing financial assistance in form of
The main intention of this scheme is to release
interest subvention against education loan
the financial burden from the shoulders of the
availed by students from scheduled bank under
parents of the aspiring students.
this new scheme Kalinga Siksha Sathi Yojana
The Odisha government is allotted the budget
to attain their educational goal, meet their
for this scheme is nearly 500 crore from its own
professional objectives and succeed in future in
resources.
their life.
ELIGIBILITY CRITERIA
Must be a resident of Odisha. EDUCATION LOAN DETAILS

A student only will be eligible for this scheme if This scheme can be called a conventional
he deposits parallel to the bank according to educational loan for the poor and ambitious
the rules of the bank. students who are unable to pursue higher
Family income must be below 4.5lakh per education due to financial inability.
annum. Minimum Loan: There is no minimum loan
There is no minimum loan amount mentioned in amount mentioned in the scheme.
the scheme. Maximum Loan: 10lakh
Maximum 10lakh educational loan availed. Time Period: 4-5 years from the date of the
Security deposit as per bank rules.Students will education loan sanctioned.
have to repay the educational loan amount Interest Rate: Very low-interest rate 1%.
after 4-5 years moratorium period. The time will
be calculated from the date of the education DOCUMENTS REQUIRED
loan sanctioned.
Age Proof of the students (Birth Certificate/ LIST of COURSES under KSSY
Class X Admit Card)
Engineering
Copy of Mark sheets
(Electrical/Mechanical/Civil/Computer/Electroni
Id Proof (Voter Card/ Pan Card/ Aadhaar Card/
cs/IT etc.)
Driving License etc.)
Medical (MBBS/MD)
Income Certificate of the family.
Law (LLB/LLM)
Security Documents.
Management (BBA/MBA)
Bank account statement (for Business holders)
Vocational Training or Courses
OVERALL INFORMATION
Fields Data
Name of the scheme Kalinga Siksha Sathi Yojana
Launched by Chief Minister of Odisha Mr Naveen Patnaik
Launched on 27th June 2016
Eligibility Poor and Ambitious students
Family annual income limit Rs. 4.5lakh per annum
Education Loan amount 10lakh
Interest Rate 1%
Time period 4-5 years
Courses Medical, Engineering, Management, Law
The budget of the scheme Rs. 500 crore
Pradhan Mantri Yuva Yojana
INTRODUCTION Minister of State (I/C) for Skill Development and

Entrepreneurship Shri Rajiv Pratap Rudy launched
the Pradhan Mantri YUVA Yojana on 9th November, employment for our youth through this
2016, MSDE scheme on entrepreneurship education initiative.
and training programs for youngsters for next The institutes under this scheme include 2200
5years and marking the 2nd Foundation Day of institutes of Higher Learning (colleges,
Ministry of Skill Development and Entrepreneurship. universities and premier institutes), 300 schools,
Under this scheme the entrepreneurs will getto 500 ITIs and 50 entrepreneurship development
know about skill development programs and much centers through Massive Open Online Course
more learning and developing process for the (MOOCs).
betterment of their future. This scheme will run for MSDEs two institutions dedicated to
five years from 2016-17 to 2020-21 with a project entrepreneur education and training- NIESBUD
cost of about 499.94 crore. Under this scheme more and IIE- have trained more 7 lakh trainee
than 7 lakh youngsters will be provided including 2600 person from more than 125
entrepreneurship education and training program countries in the field of entrepreneurial skills till
through 3,050 institutes across India. date.
MSDE also unveiled the Lab Guidelines towards
standardization of lab equipment across skill
OBJECTIVES
development training centers in India at the
The main objective of the scheme is to conference. As mention there will be 50 Skill
encourage youngsters and also make them well Development Institutions that will be involved in
prepared for the global competition. this scheme.
Under the scheme to provide the young The Award under this scheme has introduced to
entrepreneurs proper guidance and learning motivate youngsters who are below 30 to
now MSDE has come up with the training contribute more to the entrepreneur ecosystem
scheme. of the nation through many innovative ways.
The scheme will be for the youngsters who are The Award Ceremony will be held on 16th
educated but not skilled and knowledgeable January, 2017.
enough to face global competition.
This scheme overall aims for the betterment of
the nations economy. ADVANTAGES
The scheme follows the Start-Up India Scheme

where people can start their own business
KEY FEATURES
instead of looking for jobs.
After becoming a party of this Ministry, these This scheme is for the young entrepreneurs
MSDEs two institutes are now focusing on across the nation.
mentorship of budding entrepreneurs across the The scheme is that now youngsters will be more
country and succeed so far and we are motivate and contribute in the workflow and
determined to create more opportunities of cash inflow of the economy.
Important Highlights
Fields Data
Name of the Scheme Pradhan Mantri Yuva Yojana
Ministry Skill Development and

Launched
Entrepreneurship (MSDE)
Minister of State (I/C) for Skill

Development and
Launched by
Entrepreneurship Shri Rajiv Pratap
Rudy
Launched on 9th November, 2016
Places Across India
Skill Development Program for

Aim
young entrepreneur
No. of Institutions 3,050
No. of Trainee 7 lakh
Time 5 Years
Budget Cost Rs. 499.94 crore
Kisan Credit Cards

(NABARD) initiated the conception of Kisan Credit
Cards (KCC) in 1998-99, in order to assist
What is a Kisan credit card?
agriculturists to have easily accessible cash credit
Kisan Credit Card is offered to farmers in India in facilities.
order to enable them to access affordable credit.
Kisan Credit Card facility was proposed by the
Reserve Bank of India (RBI), along with National
Finance Minister Shri Yashwant Sinha in the
Bank for Agriculture and Rural Development
FY1998-99 Budget, with the objective of providing
accessible short-term credit to farmers to meet their The Central government subsidies on interest
immediate credit requirements during the crop rate applicable to the financing institutions,
seasons. provided that the cardholders credit history is
good.
Reserve Bank of India (RBI), with National Bank for
The additional interest subsidy of 2% is provided
Agriculture and Rural Development (NABARD),
and if the customer has a soundtrack record for
shouldered the responsibility and initiated the Kisan
3 years, She/he is eligible for an increased credit
Credit Cards in India.
limit.
Why Kisan Credit Cards? Other charges and fees involved in taking credit
under KCC scheme are insurance premium,
To provide timely credit facility to support
processing fees, charges on land mortgage
agriculture and allied activities.
deed, etc.
To eliminate unregulated credit by money
lenders.
To boost nation's Agribusiness environment and
Benefits of Kisan Credit Cards
productivity to international standards.
Time and cost-efficient scheme.
Comparatively lower interest rates.
How do Kisan Credit Cards work? Single term loan for all agricultural
requirements.
Based on the land holdings and the income
Flexible repayment options.
earned from the cultivation in it, banks issue
Assists in the purchase of fertilisers, seeds,
farmers Kisan Credit Cards.
availing cash discounts from merchants/
The card holder/ farmer should have a good
dealers, etc.
credit history to be eligible for the KCC.
Funds withdrawal from any of the Banks
The Card holders get facilities like passbook,
branches, as per the sole discretion of the bank
particulars of land holding, address, validity
is possible.
period, credit limit, etc., which acts as the
Income from agriculture and allied sources
customers unique identification and as a
determines the maximum credit limit.
system for tracking transactions.
Repayment of the credit can be made once the
Kisan credit cards can be used at outlets, as well
harvest season in over.
as to withdraw cash to make the necessary
An elaborate documentation process is not
purchases for agriculture.
required or continuous appraisals under the
Interest and other charges on Kisan Credit Cards Kisan Credit Card Scheme.
Cash withdrawal using the Kisan credit card
Kisan Credit Card interest rates, as well as credit
requires very little paperwork, it is simple and
limits, varies from bank to bank. Generally, the
hassle-free for both ( the card holder and bank).
applicable interest rate per annum for Kisan
Some other advantages include no transaction
Credit Cards is 9%, for a maximum Rs. 3 Lakh as
costs, lesser risks in loan recovery, etc.
a credit limit.
Top Banks Providing Kisan Credit Card in India

NABARD credit and working capital for meeting agricultural
expenses.
NABARD offers term loans and easily accessible
credit to farmers to meet their basic agricultural National Payments Corporation of India (NPCI)
expenses. and KCC
State bank of India RuPay Kisan credit cards are to be offered by

National Payments Corporation of India (NPCI), as a
Short-term credit is offered to farmers, for the
part of its domestic card scheme for multilateral
purpose of meeting the credit requirements for
payments in RuPay platform.
production, expenses related to agriculture allied
Under PMJDY( Jan Dhan Yojana), debit cards are
activities, as well as contingency reserves and
offered in RUPAY platform.
expenses.
Insurance under Kisan Credit Card Scheme

Bank of India
A personal accident insurance cover for farmers
The Bank provides financial support to farmers in
who have a Kisan Credit Card, as soon as the
order to meet the expenses involved in cultivation
customer avails the scheme is provided. The
and other Agri-allied activities, at a comparatively
individual gets a personal accident cover of Rs.
lower cost.
50,000 in the event of deceased(death), and Rs.
25,000 in the case of disability.
IDBI In order to avail this insurance cover, the customer
should not be above the age of 70 years at the time
IDBI offers Kisan Credit Cards to farmers along with
of availing the Kisan Credit Card
additional features like crop loans, investment
Digi Dhan Vyapar Yojana: Key Points To Know

Narendra Modi on 1 January 2015. NITI Ayog
replaced the Planning Commission.
Digi Dhan Vyapar Yojana
Planning Commission was an institution which
Launched on 15 December 2016 helped to formulate the Indias Five Year Plans,
Launched by Prime Minister Narendra Modi but it was dissolved by our Prime Minister Shri
Proposed by NITI Ayog headed by Arvind Narendra Modi in 2015.
Panagariya Digi Dhan Vyapar Yojana was launched with the
objectives to make India Cashless and Digital as
What is NITI Ayog?
well.
NITI Ayog stands for the National Institution
for Transforming India. It was founded by Need Of Digi Dhan Vyapar Yojana
Belongs to merchants
To increase transparency in the business Rs. 25 lakh,

transactions Rs. 12 lakh
To eradicate corruption for digital transactions between 8th
To remove the influence of cash on economic November 2016 to 13th April 2017 to be
and political system annonced on 14th April 2017
To convince merchants to shift to digital
Selection Criteria
transactions
To promote the use of UPI, USSD, Ru Pay cards Incentives shall be restricted to transactions
and Aadhar Enabled Payment System (AEPS) within the range of Rs 50 and Rs 3000 (common
people)
Rewards Under this Scheme
All transactions between consumers and
Prizes for Merchants for all digital transactions merchants; consumers and government
conducted at Merchant establishments agencies will be considered for the incentive
Weekly prizes worth Rs. 50,000, Rs 5,000 and Rs. scheme
2,500 AEPS transactions will be considered for the
Mega Draw on 14th of April Ambedkar Jayanti incentive scheme
3 Mega Prizes for consumers The winners will be selected through a random
Rs. 1 crore draw of the eligible Transaction IDs
Rs. 50 lakh,
Conclusion
Rs. 25 lakh
for digital transactions between 8th The main objective of this Digi Dhan Vyapar Yojana
November 2016 to 13th April 2017 to be is to increase the Cashless Transactions and to
announced on 14th April 2017 make our country Digital. These efforts of the
3 Mega Prizes for merchants government will take India to the paramount of
Rs 50 lakhs, development.
4 Projects Under Nava Kerala Mission
INTRODUCTION OBJECTIVES
The Kerala Government launched four projects The government of Kerala is trying to develop all
under Nava Kerala Mission for comprehensive the sector of state and want to make its position on
developments in the fields of housing, health, the map of India.
education and agriculture. The mission was
Government plans to implement the projects on
launched by The Governor of Kerala P. Sathasivam
time bound basis with the support of civic bodies.
and Chief Minister of Kerala Mr Pinarayi Vijayan on
10th November 2016. The Main initiative of this
Mission is to the development of the State & to
intensify the position of Kerala on the map.
These schemes would address four key areas of life, people and to enable treatment at a reasonable
namely health, education agriculture and housing price. I hope Ardram would bring in a sea change in
with the help and involvement of local governments. the states healthcare sector.
Education System
PROJECTS
This is a scheme to protect and strengthen the
Haritha Keralam public school system of Kerala also to ensure the

school system by bringing up Nobel teaching
Under this scheme, one of the projects is Haritha
methodologies. This scheme is for the school system
Keralam. It means organic farming for agricultural
whose primary person is to distribute training in the
development and preserving water sources would
middle of every individual. So that, every student
be the main focus. The project force on the
can get the basic education.
cleanness of the state and to organising various
wastes management schemes. The scheme also Life Scheme
maintains to make a proper and healthy
There are large numbers of poor people in the state
environment. As a result, the environment will keep
who live without the house. So the Government will
the society healthy and free from many diseases.
decide to provide housing for the homeless and
Ardram bringing up the quality of life in the mission. The

target of the plan to build houses for 4.32 lakh
The scheme is aimed at improving quality and
families in Kerala and approximate budget for this
facilities at government hospitals for the poor
scheme will be Rs. 6000-6500 crore.
Major Points
1. Project Name Nava Kerala Mission
2. State (which launched the projects) Kerala
3. Inaugurated by Governor of Kerala - P. Sathasivam
4. Launched by Chief Minister Mr Pinarayi Vijayan
5. Place Thiruvananthapuram
6. Date: 10th November 2016
7. Name of the Schemes under Nava Haritha Keralam, Ardram, Education System,
Kerala Mission Life Scheme
8. Projects Health, Education, Housing, Agriculture
Lucky Grahak Yojana by NITI Ayog
LGY of the people dont know how to do Cashless

transactions. After this more than 50% started
LGY stands for the Lucky Grahak Yojana. It is also
making cashless transactions.
known as Digi Dhan Vyapar Yojana. As its name
For making people more aware of the cashless
suggests that its a lucky draw scheme. This scheme
transaction our government started Lucky
was launched by NITI Ayog.
Grahak Yojana. In this Yojana, there is a lucky
What is NITI Ayog? draw for those who will do more cashless
NITI Ayog stands for the National Institution transactions during a particular period. This
for Transforming India. It was founded by scheme is for merchants and customers only.
Narendra Modi on 1 January 2015. NITI Ayog Our Government decided to give the Christmas
replaced the Planning Commission. gift to our Nation So, First lucky draw will be
Planning Commission was an institution which declared on 25th December 2016.
helped to formulate the Indias Five Year Plans, The second Lucky draw will be declared on 14th
but it was dissolved by our Prime Minister Shri April 2017 on the occassion of Dr.Ambedkar
Narendra Modi in 2015. Jayanti.
Lucky Grahak Yojna was launched with the

Terms & Conditions
objectives to make India Cashless and Digital as
Those who are doing cashless transactions by
well.
using AEPS, USSD, UPI, RuPay. They will be
Need of Cashless and Digital India eligible for this scheme.
To remove corruption and black money from Those who are doing cashless transactions
India there is a need of this Yojana. If this through credit card, debit card and other
Yojana becomes successful in making our India applications like E-Wallet. They will not be
Digital, then Corruption and many other evil eligible for this scheme.
practices will automatically be removed. NITI Ayogs CEO Mr Amitabh Krant announced
that (NPCI) National Payment Corporation of
India will distribute gifts to customers by
cashback prizes of Rs.1000 in the next 100 days
How it make India Cashless and Digital?
which is starting from 25 December.
In November 2016, our government took On 14th April three Lucky draws will be
initiative to make our India free from corruption announced for those Consumers who did digital
and black money holders. For this, the transactions between 8th November 2016 to
government banned 500-1000 notes. People 13th April 2017
face many problems regarding the exchange of
currency So, they started doing cashless First Prize- Cash Prize of 1 Crore
transactions. No doubt, that people are familiar

Second Prize- Cash Prize of 50 Lakhs
with these activities, but most of the people
avoid doing cashless transactions because most Third Prize- Prize of 25 Lakhs
On 14th April three Lucky draws will be non profit organisation which took the initiative to
announced for those Merchants who did digital make India Digital. As its motive is to make the
transactions between 8th November 2016 to middle class and poor people aware about the
13th April 2017:- Digital India.
First Prize- Cash Prize of 50 Lakhs Conclusion

Second Prize- Cash Prize of 25 Lakhs
The main objective of this Grahak Lucky Draw
Third Prize- Cash Prize of 12 Lakhs
Yojana is to increase the Cashless Transactions
Selection of Lucky Grahak and to make our country Digital.These efforts of the
government will take India to the paramount of
For selecting the persons for the lucky draw there is
development.
a simple method which is the random
selection. NPCI has made a software through which
they make payment of that Lucky Grahak person.
National Payment Corporation of India (NPCI) is a
MCLR : Marginal Cost of Funds Based Lending Rate- Explained
Introduction With the New MCLR, there will be quick change

in the lending rate and the commercial banks
RBI recently made its move from the historic
will have to oblige with RBI at a fast pace as
Benchmark Prime Lending Rate (BPLR) to Marginal
repo rate is included in MCLR calculation
Cost of Funds Based Lending Rate (MCLR) in April
2016 as the current rate setting method for lending
How MCLR is calculated?
money by commercial banks
RBI has instructed all the commercial banks to
Need for MCLR calculate their marginal cost
Novel feature of MCLR is the inclusion of repo
RBI changes the repo rates and other rates
rate along with marginal cost
periodically but the banks are slow in changing
Commercial banks now must include the
their interest rates according to RBI rates
marginal cost components along with the repo
Most commercial banks do not change their
rate to arrive at the MCLR lending rate
lending rates to customers
Ultimately, bank customers does not receive the What are the Marginal cost components?
benefits aimed by RBI
Marginal cost weightage in MCLR 92 %, return
Till now, RBI was verbally instructing the
on net worth 8%
commercial banks to change their lending rates
RBI has included the following main components
with every Repo rate change
in marginal cost
The real benefit of repo rate change will be
Return on net worth (capital adequacy norms)
realised only when the customer gets benefited
Repo rate (short term borrowing rate) and long Banks will be reluctant to change to MCLR rule
term borrowing rate due to cut in interest rates as currently, it is up
Interest rate given by banks to various deposits to the customer to exercise their loans under
including MCLR as an option
Savings deposit
Conclusion
Term deposit
Current deposit Bank customers will quickly get the benefit of
Foreign currency deposit the repo rate changes from their respective
banks
Banks also get benefited to compete with
What are other components of MCLR? commercial paper market

Companies and borrowers will get benefited
CRR negative carry charged on customers
with the low-interest rates for short term loans
RBI does not pay any interest to banks for CRR
and reflection on repo on lending rates
maintained by them and hence banks charge
MCLR has to be implemented by RBI with a
interest to customers for this idle money in RBI
strong monitoring system to check whether
Tenor premium of charging higher interest rates
banks change their lending rates according to
on long-term loans
the repo rate cuts
Exclusion of factor minimum rate of return
The ultimate success of MCLR lies in the end
under MCLR
user getting benefited
Overall, MCLR is mainly determined by the
Lending rates will see quick change in MCLR
marginal cost and the deposit rate
The entire economy of India will get a boost with
Benefits of MCLR increase in rate transparency as a result of

MCLR - A change in repo by RBI reflects on the
MCLR revised on monthly basis benefiting bank
loans borrowed by individuals from banks
customers especially borrowers
Overall, this MCLR regime is one of the
Banks to compete with commercial paper
innovative measures of RBI to improve Indian
market
banking system to global standards
Reduces borrowing cost for companies
Indian banking industry moves towards
international standards
Pitfalls
MCLR rule exempted for loans given to retired

employees, existing employees, government
schemes etc
Aadhaar Enabled Payment System (AEPS) : At a Glance
Introduction Aadhaar Enabled Payment System is a major

initiative taken by Government of India to initiate a
simple, secure user friendly mode of payment payment systems in India, which aims to allow
solution by Micro-ATM. It also empower Cashless all Indian citizens to have unrestricted access to
Economy in the country in future. The basic e-payment services.
meaning of AEPS is a customer can pay NPCI conducts all government
through Aadhaar Card, i.e. Empowering Cashless benefits/subsidies to beneficiary account in a
transactions in the country. Through Aadhaar Card secured and transparent manner.
a customer can access his/her bank account. It also provides a unique platform to use safe
However, these days Government of India is also and secure payment interface to avail those
trying to empower bank customers to use Aadhaar benefits by using their finger prints.
as his/her main identity to access his/her respective NPCI is directly in touch with Unique
Aadhaar enbled bank account and perform various Identification Authority of India to provide
transactions like balance enquiry, cash deposit, cash Aadhaar Enabled Payment Service to reduce the
withdrawal, Pay through Aadhaar, etc. forgery in Indian Financial System.
Basic banking transactions through Aadhaar Card
Aadhaar to Aadhaar fund transfer Basic Layout/ How it works:

Cash withdrawal
Let us understand by using flow chart. I Hope it will
Cash Deposit
clear everything. But here I will describe the
Balance Enquiry
following steps.
Step 1 Customer swaps his/her cards at Mini

During Any Basic Transactions a customers ATM.
needs: Step 2 Mini ATM fetch data from Customers
Bank
IIN (Issuer Identification Number) It is the
Step 3 Customers bank get confirmation from
Identification number to recognise the Bank to
NPCI.
which the customers banks account is
Step 4 NPCI get confirmations from UIDAI.
associated.
Step 5 UIDAI approve confirmed details about
Aadhaar Card Number It is a 12 digit unique
customer Account to NPCI.
identification number provided by the Gov. of
Step 6 Again after getting confirmation from
India at the time of enrolment.
UIDAI , NPCI again asks Creditors details to
Finger Print A customers need his/her finger
his/her banks.
print which was captured during their
Step 7- Creditors Bank Approve details of
enrolment.
creditors to NPCI
Step 8- NPCI now confirms to SBI
Step 9 SBI deduct the amount which
Major Role Played by NPCI in AEPS:
customers want to pay/credit.
NPCI (National Payment Corporation of India): It Step 10 Now customers get confirmations bill
was founded in 2008, Headquarters at Mumbai, from Mini ATM.
It is the umbrella organisation for all retail
Benefits of AEPS:
Aadhaar enabled Payment platform is a very this scheme is to improve the condition of society
important tools to rule out all the fake data in and remove the poverty from India.
the system concerning National Social
Demonetization Under PMGKY
Assistance Programme (NSAP).
The basic theme of Direct Benefit Transfer is to As we know that from a month ago demonetization
ensure that the beneficiary gets their benefit is in talks. As Prime Minister banned 500 and 1000
through Aadhaar Enabled Payment System Notes. This is done by The Prime Minister to stop
(AEPS) which is an accountable, cost-effective the corruption and malpractices in India. To find out
and transparent. the ratio of black money in our country, our Prime
Minister Shri Narendra Modi started this.
Pradhan Matri Garib Kalyan Yojana &
Rules of Demonetization
Demonetization
People who have the black money or undeclared
Introduction income will have to pay taxes with a penalty. All the
Since 2015, Our Prime Minister Shri Narendra Modi money which is deposited into the bank is under the
has been doing many things for the welfare of our eye of Income Tax Officers. The limit to deposit the
country. He started a number of schemes for the money is 2.5 lakhs only for one person each. If he
welfare of the Indians. He has visited a number of tries to do deposit more than 2.5 lakhs, then he will
countries to sign various deals to make our country be answerable to Income Tax Department.
developed. He started around about 30 schemes
like Jhan Dhan Yojana in 2014, Mission housing for
How is Demonetization helpful?
urban in 2015, Digital India in 2014, Mudra Bank
Yojana in 2015, Beti Bachao, Beti Padhao in 2015, As we know that under Demonetization if someone
Swachh Bharat in 2014, Pradhan Matri Garib Kalyan tried to make deposits more than 2.5 lakhs then he
Yojana in 2015 and many other. will have to pay a penalty around 60% on his
deposit amount.The amount collected as the
PMGKY penalty under demonetization drive will be used for
PMGKY stands for Pradhan Matri Garib Kalyan the welfare of the poor people.
Yojana. This Yojana was launched in 2015. The
Conclusion
objective behind this Yojana is to improve the
financial position of the poor people. It is basically a This Yojana will help to improve the society. A Garib
poverty alleviation program. Under this program Kalyan Mela in 2015 was conducted in 22 districts
number of workshops were held. of Gujarat. Just because of this Yojana, many poor
people got their rights. This scheme is beneficial for
The Benefits of this scheme BPL and to lift up the poor people and make weaker
A number of benefits are there for this scheme. As section strong. The main motive of this scheme is to
we know that this scheme is valid for BPL families. make our country developing to developed.
BPL stands for Below Poverty Line. This scheme
provides help to poor people. The main objective of
Vasundhara Raje's Annapurna Rasoi Yojna

Following the footsteps of Amma or Jayalalitha, Under this scheme various canteen were
Rajasthans Chief Minister Vasundhara Raje has incorporated in the state to provide people healthy
launched Annapurna Rasoi Yojna to provide food.
nutritious food to street-dwellers, vendors, rickshaw- The scheme was a great hit in Tamil Nadu as some
pullers and students and working women. of the kitchens are operated with solar energy.
Ammas canteen offer rice, chapati and sambhar
The salient features of the schemes are as
and pongal. The cost varies between Rs. 3 to Rs. 5.
follows:
Scheme was launched on December 15, 2016

It was launched at Municipal Corporation Office,
Jaipur
Notable Things Of Annapurna Scheme
People will be provided breakfast at Rs. 5.
Nutritious will be provided at Rs. 8. In the first stage, 80 vans will be employed to
Subsidised food will be offered to people belonging distribute food Jaipur, Jodhpur, Bikaner, Pratapgarh
to different sections of society. etc. at the self-governance units.
The scheme is implemented in 12 districts including There will be adequate space in these vans to sit
Jaipur, Jodhpur, Kota, Ajmer, Bikaner, Udaipur, and eat.
Bharatpur and many other districts along with The skilled staff will be trained to prepare meals
Rajes constituency Jhalawar. with their gloves, head-masks and aprons on.
There will be a menu displayed on the vans
Background of the scheme
prepared keeping in view the nutritional
The inspiration of Annapurna Scheme is derived requirements so that the food can be prepared
from Jayalalithaas Amma Unavagam means accordingly.
mothers kitchen. The scheme was launched in 2013 More than 60 vans will be serving under this
to introduce a string of restaurants to offer low-cost scheme.
good food to economically backward sections of
society.
4 Insurance Schemes Launched for People with Disabilities (PwD)
Introduction Niramaya Health Insurance
The current central government has introduced Scheme available all over India except J&K
insurance schemes exclusively for PwD under the Insurance cover of up to 1 lac to PwDs
Sugamya Bharat Abhiyan (Accessible India Single premium across age bands
Campaign). PwDs with disabilities under the National Trust
Act are eligible
Nodal Agencies
No need for pre-medical tests before enrolling in
Department of empowerment of PwD the policy
Ministry of social justice and empowerment
OPD treatment facility available including Payment to be received annually from family
medical check-up, tests, medicines, corrective members or institutions or guardians
surgeries and therapies Covers all adult PwDs included in the National
Alternate medicine to reduce disability impact Trust Act
Covers transportation costs
Treatment took from any hospital
Insurance scheme on reimbursement basis only Vikaas Scheme
Swavlamban Health Insurance Scheme It is a medical day care scheme for welfare of
PwDs
New India Assurance Company is the
Daycare offered to PwDs for a minimum of 6
implementing agency
hours daily (8 AM to 6 PM)
Uniform premium of 357 rupees per PwD person
Maximum batch size of a Vikaas centre is 39
through out the country
Day care centres to be opened for a minimum of
Sum insured is 2 lacs for a year and will cover
21 days in a month
PwDs in the age group of 0 to 65 years
Minimum attendance fixed at 15 days
OPD benefits include 10000 p.a per PwD and
Covers medical treatment of the disability and
3000 p.a for mentally retarded people
other health care services
PwD family including spouse and up to two
Scheme available throughout India except for
children are covered by this scheme
J&K
No premedical tests involved
National Trust will fund the PwD
Cashless treatment to be taken in New India
Assurance created network of hospitals for free
treatment under the policy
Claims must be made to New India Assurance Conclusion
with PwD certificate GOI has introduced a slew of measures under

Swavlamban excludes people with autism, the Accessible India campaign
cerebral palsy and Multiple disabilities This gives importance and recognises the
importance of PwDs in the society
Gharaunda Scheme The contribution of PwDs to the society is on the
To provide basic medical care facilities for life rise
long to PwDs The enrollment of PwDs in the government jobs
Professional doctors to offer quality health care is also on the rise
services The above health insurance schemes will boost
Scheme available throughout India except for the confidence of PwDs and enable them to live
J&K with self-esteem in the society
Every Gharaunda centre to have a maximum of The hospital and medical expenses of the PwDs
30 PwDs including LIG and above LIG PwDs in are eliminated to the core with these schemes
the ratio of 1:1
Swavlamban Health Insurance Scheme: All You Need To Know
Introduction In case of minor PwD, parents of PwD are also

covered
Swavlamban Health Insurance Scheme was
PwD with family income not exceeding 3 lacs p.a
launched on October 2, 2016, exclusively for People
are eligible
with Disabilities (PwD).
There are no premedical tests involved before
enrolling into the policy
Implementing Agencies OPD benefits include 10000 p.a per PwD and
New India Assurance Company is the 3000 p.a for mentally retarded people
implementing agency
Ministry of Social Justice is the ministry
Claim and Redressal
concerned with Swavlamban Scheme
New India Assurance in the nodal agency for
Department of Empowerment of Persons with
Swavlamban
Disabilities under ministry of social justice is the
New India Assurance has created a network of
monitoring agency
hospitals for the beneficiaries of Swavlamban to
get free treatment under the policy
Objectives of Swavlamban PwD getting treatment outside the network
To give low cost and affordable health must get the consent and approval of New India
insurance to PwD (includes people with low Assurance
vision, Blind, hearing impairment, mental illness, However, in case of emergency, PwD insured
leprosy, mental retardation, loco-motor can be admitted in another hospital outside the
disability) network without prior approval
To improve quality of life of PwD Claims must be made to New India Assurance
To improve PwD condition of general health with PwD certificate

Grievances must be lodged to New India
Insurance authorised person for resolution
Features of PMFBY Grievances are monitored by a Dispute
Uniform premium of 357 rupees (which is 10% of resolution committee consisting of
the actual premium + Service Tax) per PwD representatives from the Department of
person throughout the country Empowerment of PwD and New India Assurance
Sum insured is 2 lacs for a year

Swavlamban will cover PwD people in the age
Advantage of Swavlamban
group of 0 to 65 years
PwD must carry the PwD certificate issued by Cashless treatment for PwD in the designated
PwD Act, 1995 to get enrolled hospital networks identified by New India
PwD family including spouse and up to two Assurance
children are covered by this scheme Free OPD treatment up to 10000 rupees also
included in the health insurance scheme
Family of PwD is also covered which is an Awareness about Swavlamban health insurance
additional benefit of the scheme scheme is limited among PwD
Swavlamban helps people with PwD to be
recognised in the society and live with self- Way Forward
esteem
Swavlamban is a sign of progress for the
Treatment is offered to PwD for preexisting
welfare of PwD
medical problems also
Awareness about the scheme must be enhanced
Claim settlement is done in a transparent
and more PwD must be enrolled in the scheme
manner
GOI has introduced a slew of welfare measures
Redressal mechanism is efficient until the PwD
for PwD in this fiscal year including Swavlamban
concerned is satisfied
but the implementation and monitoring must be
Enrollment procedure made simple through the
enhanced further
New India Assurance network
Initial steps to be taken to cover all PwDs
working in the formal sector
Limitations of Swavlamban Identification of beneficiaries is a key challenge

Overall, the scheme is a positive measure in
Swavlamban excludes people with
utilising the PwD talent and recognising them as
Autism
respectable individuals in the society
Cerebral palsy and
Multiple disabilities
Swavlamban emergency procedures and
provisions must be enhanced further
Key Points Of Project Saksham for CBEC
Introduction Project Saksham is developed under Digital India

Initiative
The Central government Cabinet Committee on
Economic Affairs (CCEA) headed by Prime Minister
Mr. Narendra Modi approved Project Saksham to
ease GST implementation on 28th September 2016. Project Cost and Tenure
Project Saksham is a back end IT Infrastructure Project Saksham cost is 2256 crores
project integrating CBEC and GSTN systems. Tenure of the CBEC and GSTN integration project is
7 years
Need for Project Saksham
GST is to be rolled out by April 1, 2017 Concerned Authorities

In order to integrate GSTN with CBEC, IT Central Board of Excise and Customs (CBEC)
infrastructure has to be upgraded Goods and Service Tax Network (GSTN)
Project Saksham integrates CBEC and GSTN
Systems
Central Board of Excise and Customs (CBEC) Integrating all these systems in a single unified
system for the overall implementation of GST is
CBEC is a part of finance ministry under the
the purpose of GSTN
department of Revenue
Head quarters located at New Delhi
Deals with policy formulation pertaining to
customs, excise and service tax
Administers the prevention of smuggling Stakeholders
activities
CBEC
Administers all indirect tax laws
GSTN
Main role is the regulation of import and export
Tax payers (36 lac currently)
trade
Exporters
Frames the EXIM Policy of India
Importers
Publishes all export and import related
All Indirect tax payers (65 lac after GST)
procedures and documents
Subordinate houses include
a.Central excise commissionerates Software Developers
b. Custom houses
GSTN acts as the front end
c. Central revenues control
Infosys develops GSTN software
d. Service tax commissionerates
CBEC acts as the back end
Head quarters located at Ministry of Finance,
Wipro develops CBEC software
New Delhi
CBEC acts as the front end for investigation,
appeal and audit only
Goods and Service Tax Network (GSTN)
Established under section 8 of new companies Benefits

act
Project Saksham will help in effective
Non-Government entity
implementation of GST.
Not for Profit organization
Digitalization of customer accounts and
Private Limited Company
scanned documents
Indian government holds an equity of 24.5%
E-services to speed up indirect tax collection
State Finance Ministers empowered committee
Convenience to tax payers
holds 24.5%
Extension of SWIFT Initiative
Remaining 51% with private financial
Integration with e-taal, e-nivesh and e-sign
institutions
government initiatives
Set up mainly to provide IT Infrastructure for
In accordance with Ease of Doing Business
GST implementation with a corpus of 10 crore
Subsume local levies
Aim is to provide a uniform interface of tax
payment system between centre and state
Now each state has its own system of collecting SWIFT code for Banks
indirect taxes
Standard format of money transfer between
banks in India
Bank identifier code

Banks use the SWIFT code for message
Challenges
exchange between them
Swift code has 11 characters or 8 digits Integration of existing CBEC system with GSTN
8 digits code denotes the primary office is a complex process
a. 11 characters represent the following Handling huge information
b. First 4 digit represent bank code and are only Hardware and Software requirements including
letters infrastructure etc.
c. Next 2 letters country code Duplication of data
d. Next 2 characters location code Information security
e. Last 3 characters branch code Deadline is Short
Swift network spans across the world with Software Implementation issues
40000 live codes Training of employees
Registration handled by Society for World wide Customer awareness and education to the new
Inter bank Financial Telecommunication (SWIFT) system
Head quarters located at La Hulpe, Belgium
Project Saksham will serve as an extension of
this Swift network
Mission Bhagiratha : Safe Drinking Water Scheme - Explained

Introduction: The Project will cover 67 urban and 25000 Rural
habitants across the States.
Mission Bhagiratha, a new initiative started by the
This Project will provide 100 Litres in rural
state government of Telangana to provide safe
Households & 150 Litres in Urban Areas.
drinking water to everyone in the State through
The expected costs of the project is around
dedicated water pipeline channels in the state. To
42,000 Cr.
confederate the mission, The state government has
Mission Bhagiratha Project will rejuvenate
designed a water grid project to provide
45,000 water tanks with dedicated pipelines.
a sustainable and durable solution to the problem
For this Project The Government of Telangana
of safe drinking water. The Main objective of this
estimated to utilize a total of 34 Thousand
Mission Bhagiratha is to provide 100 litres & 150
Million Cubic of water from River Godavari.
litres of clean drinking water per person in rural
This projects also utilize 21.5 Thousand Million
households and in urban households respectively.
Cubic of water from River Krishna, i.e. It is
The Final deadline for the completion of the water
known as mother of all the rivers.
grid project is March 2018.
Concept of Mission Bhagiratha:

Fast Facts:
The Government of Telangana constituted a
The Project Mission Bhagiratha was started by
water grid pipelines that would depend on
the State Government of Telangana with a
support of Union Government.
water resources available in River Krishna and (LIDAR) technology would be utilized for survey
Godavari. of the Water Grid and the Lightweight
The Government of Telangana estimated to aircrafts will be engaged only for aerial survey.
utilize a total of 34 Thousand Million Cubic of According to the Media Report the Government
water from River Godavari and 21.5 Thousand of Telangana will use hydraulic based modelling
Million Cubic from River Krishna for the water software for determining the shape and size of
grid pipelines to provide clean drinking water to water pipelines, pumping capacity and the
every household in the state. height from which the water would be pumped.
Plans are ready to use water from Sriram Sagar In this Software Programme, The software tools
Project, Srisailam, Komuram Bheem Project, like smart flow and surge analysis would be
Jurala Dam, Paleru Reservoir, Nizam Sagar used to resolve any problems that arise in
Project. This scientifically designed project distribution of water.
intends to use the natural gradient wherever
possible and pump water where necessary and
supply water through pipelines channels. The
state-level grid will comprise of a total of 26
internal grids.
The Telangana state government will be using
latest and Upgraded technology for the
proposed Water Grid project. In this Project
Advanced Light Detection and Ranging
Various Skill Development Schemes for Minorities

Reducing unfair trade practices
Introduction Adoption of conventional techniques
GOI has introduced a slew of training programs to
Shyama Prasad Mukherjee Rurban Mission
promote the village and cottage industries on a
large scale. Some of the important village/cottage Shyama Prasad Mukherjee Rurban Mission
based skill development programs include includes skill development and economic
developmental activities
Project Handloom The mode of delivery preferred would be
Project handloom was established to promote through PPP
handloom and domestic industries Funds shared on PPP basis
Highlights less use of electricity Aims to protect rural habitat
More focus on incentive schemes Mitigates the challenges of rural migration and
Niche market-based scheme Hyper-urbanization
NIFT to conduct R & D in handloom sector Trains the rural youth on self-employable skills
Estimated to create employment of over than
43 lakh
Collaborating weavers with designers USTTAD
USSTAD scheme aims at upgrading the skills in Avenues are open to continuing or pursue
crafts and arts for development higher education and create employment
The scheme is targeted only for minority opportunities in the formal sector
communities
The scheme is implemented by ministry of
minority affairs Conclusion
The scheme envisages to preserve the
These skill-based training programs are aimed
traditional and ancestral crafts and arts
at the uplift of the minority community youth
Craftsmen are trained on these traditional skills
The youth from minority communities will get
Skill training is offered to artisans, weavers and
into the formal sector through these skill
craftsmen from minority communities
training schemes
The training is only for people already practising
GOI has introduced these scheme with a long-
in the field or craftsmen
term goal of engaging minority youth in formal
No fresher training is offered in the scheme
sector and creating an aversion among the
NAI MANZIL SCHEME youth to pursue terrorism or other illegal
activities
The scheme is implemented by ministry of
These schemes are considered vital from social
minority affairs
perspective and creates employment
The main objective of the scheme is to generate
opportunities for minority students
employment to youth and extend loans for
Schemes like USTTAD aim to revive the
starting up new businesses
traditional crafts and arts practised in the
All school drop outs and Madarasa students are
ancient Mughal rule
eligible for training under this scheme
In this manner, these skill training programs
Scheme covers people in the age group of 17 to
help to protect the ancient and traditional
35 from all minority communities
culture and heritage of India
Bridge courses are provided to the trainees to
Overall, the above skill training programs help
get 10th and 12th certification on distance
the rural youth to find new employment avenues
mode
in traditional ancient crafts, arts, trade,
Trade basis skill training is also provided to the
manufacturing and entrepreneurship
beneficiaries
The training mainly covers courses in four main
sectors including engineering, manufacturing,
soft skills and services
Voluntary Disclosure and Surcharge Waiver Scheme: Key Features
INTRODUCTION defective meters for all category of consumer

Haryana Government launched a new scheme having sanctioned load up to 5KW and for small
named Voluntary Disclosure Scheme (VDS) 2016 domestic and non-domestic consumers having
and Surcharge Waiver Scheme (SWS) 2016 on sanctioned load up to 2KW in rural areas. This
19th November, 2016 for declaring tampered or scheme was launched by Chief Minister of Haryana
Manohar Lal Khattar. This scheme shall remain in The consumer opts to pay in lump-sum,
operation from 20th November, 2016 to additional rebate of 5% will be allowed.
31st December, 2016. No checking will be carried out during the
period of operation of the scheme for
consumers having load up to 5KW.
OBJECTIVES:
No meter having similar load will be seized and
The case of such consumers, who voluntarily declare sent to the lab for testing during this period.
tempering of meter or meter being defective, shall The cases of defective meters, brunt meters
be decided as per the provisions of the scheme. shall be covered under this scheme.
The scheme would be applicable to only those

consumers falling in the aforesaid three categories,
2. Surcharge Waiver Scheme:
who were in default as on 30th September, 2016.
This scheme for small domestic and non-
domestic consumers having sanctioned load up
KEY FEATURES:
to 2KW in rural areas (connected or
1. Voluntary Disclosure Scheme: disconnected).
This scheme for also Domestic consumer having
Voluntary Disclosure Scheme (VDS) for declaring
loaded up to 2KW in urban areas (disconnected
tampered or defective meters for all category of
only).
consumer having sanctioned load up to 5KW.
The surge amount outstanding as on 30th
The meter installed at the premises shall be
December, 2016 in the name of a consumer who
replaced with a new electronic meter within
opts for the scheme shall be frozen.
three days.
40% of this amount will be waived off on
The consumers, whose meters have been seized
payment of next six bills by the customers.
and sent for verification to the M and T lab and
Another 30% of the surge amount will be waived
are pending for testing, will also have the option
off at the end of second year on full payment of
to avail this scheme.
bills during the year.
The consumers will have the option to deposit
And remaining another 30% surcharge amount
the bill amount in lump-sum or in a maximum of
will be waived off at the end of the third year.
six equal bi-monthly installments payable along
with the next six bills.
FAST FACTS
Sl. No. Fields Data
Voluntary Disclosure Scheme (VDS) &

1. Name of the scheme
Surcharge Waiver Scheme (SWS)
th
2. Lunched on 19 November, 2016
3. Lunched by Chief Minister of Haryana Manohar Lal Khattar
th st
4. Operation period 20 November, 2016 to 31 December, 2016.
For VDS load up to 5KW &

5. Sanction Load
For SWS load up to 2KW in rural areas.
For Domestic Category Rs. 100 &

6. RCO Fee Charges
For Non-Domestic Category Rs. 200
Swachh Swasth Sarvatra Abhiyan: All You Need To Know
Introduction Ministry of Drinking Water and Sanitation.

Swachh Swasth Sarvatra is an initiative launched by 3. Rs 10 lakh will be given to each Community
Union Health Ministry in collaboration with the Health Centres (CHCs) in ODF blocks of the country
Ministry of Drinking Water and Sanitation and to strengthen the standards of sanitation, hygiene
Human Resource Development. and infection control.
The main aim of this initiative is to strengthen 4. SwachhSwasthaSarvatra is a much needed
health centers in open defecation-free blocks. programme to achieve open defecation-free India
This initiative is a part of the Union Governments by 2019.
chief Swachh Bharat Mission and is focused on the 5. Under Kayakalp, one Primary Health Centre
dual objectives of constructing toilets and enabling (PHCs) in each district is awarded for meeting
behavioural change. quality
Swachh Swasth Sarvatra is the advanced form of standards including sanitation and hygiene.
Swach Bharat Mission from being Swachh Bharat to 6. Through the initiative, the Gram Panchayat in
Swastha Bharat. which the PHC gets awarded will be noted and
special focus will be given to make it ODF.
Objective
1. This initiative aims to fulfill the requirements of

Components of Swachh Swasth Sarvatra
two complementary programes namely, Swachh
Bharat Mission (SBM) of the Ministry of Drinking There are three main components of
Water and Sanitation and Kayakalp of the Ministry SwachhSwasthSarvatra, they are
of Health and Family Welfare. 1. Community Health Centres (CHCs) in ODF blocks
2. Over 700 blocks are declared as Open Defecation supported to achieve Kayakalp certification.
Free (ODF) under Swachh Bharat Mission by 2. Gram Panchayat of Kayakalp Primary Health
Centres (PHCs) prioritized to become ODF. Bharat (Healthy Children Healthy India) was also
3. Training in WASH (Water, Sanitation and Hygiene launched on the occasion between Ministry of
) of CHC/PHC nominees. Health and Family Welfare and the Ministry of
Human Resource Development.
Other initiative also launched along with Swachh
It is a booklet that contains tips on leading a
Swasth Sarvatra
healthy life for children.
Another joint initiative, Swasth Bacche Swasth
Quick fact
Name of scheme Swachh Swasth Sarvatra
Union Health Ministry in collaboration
Launched by with the Ministry of Drinking Water and
Sanitation and Human Resource Development.
Launched on December 29, 2016
To strengthen health centers in open defecation-

free blocks.
Launched for
Rs 10 lakh to each Community Health Centres

(CHCs) in ODF blocks.
Financial outlay
No of blocks 708 blocks
BHIM (Bharat Interface for Money): All You Need To Know

Introduction application for mobile payment BHIM (Bharat
India is advancing at breathtaking speed towards a Interface for Money) on the 30th of December.
cashless economy and to make digital mode of

payment a habit for people our honourable Prime What is BHIM?
Minister Narendra Modi has launched a new
Bhim is an application for payment through Having an internet connection is not mandatory
smartphones which is based on the technology of for making transactions through the app
UPI (Unified Payment Interface). This app has been In this system, once the bank account is linked
developed by the NPCI (National Payment with an Aadhar gateway, payments can be
Corporation of India) in association with Juspay. made through a thumb impression
This app is now readily available on playstore which Users can also use the app for shopping. For this
is the android platform the and same for the iOS an Aadhar based merchant app has to be
platform is expected to be launched soon. downloaded by the retailer along with a
biometric reader to enable payment through
thumb print.
Features of BHIM
It is based on UPI technology
Enables digital transactions across multiple Limitation
banks
For now maximum limit for every transaction
It links directly to ones bank account
has been set at 10,000 INR and a total
It uses IMPS (Immediate Payment Service) for transaction of 20,000 INR per day. The limits are
which one has to pay a minimal fee for
expected to change in future.
transactions of 1 lakh or above.
How to use
Banks supporting BHIM
On downloading the app users will be asked to
The new BHIM Payment app is supported by banks
verify their mobile numbers which are linked
like SBI, ICICI, Axis Bank, HDFC Bank and many
with their respective bank account.
others.
After verification the app will show a list of all
the bank accounts linked to the mobile number. The BHIM app is at its early stages and thus there
One has to select the account he or she wants might be some glitches but with time improvements
to make transactions through are bound to take place taking the country forward
After selecting the account the user has to enter to digitization and transforming India into Digital
a 4 digit code (UPI PIN) to make transactions India.
through the app
The payment address will be set as the mobile
number which is entered for verification which
can be changed later.
Positive points of BHIM
A smartphone or even a feature phone of

around 1000 INR will support the BHIM app
Nagar Uday Scheme: All You Need To Know

The First phase will be held between 25th
INTRODUCTON:
December to 28th December, 2016.
The Madhya Pradesh Government launched a new
The Second phase will be conducted between
scheme named Nagar Uday Abhijan 2016 on 25th
January 3 to January 15, 2017.
December, 2016, the birthday of former Prime
The Third phase will take place between 20th
Minister Atal Bihari Vajpayee in all 378 urban bodies
January to 5th February, 2017.
in the state. This scheme was launched by Chief
Under this scheme CM Shivraj Singh Chouhan
Minister of Madhya Pradesh Shivraj Singh Chouhan.
flagged off Uday Abhijan Rath and 51 e
This scheme will be conducted from 25th December,
rickshaws.
2016 to 5th February, 2016 in three phases. Chief
Minister of Madhya Pradesh Shivraj Singh Chouhan
also inaugurated payment facility by POS of
also performed bhoomipujan of 2.2km long smart
Bhopal Municipal Corporation.
road at Polytechnic Square. He also inaugurated
Teams of officers and employees of
payment facility by POS of Bhopal Municipal
departments would be constituted in the first
Corporation.
phase of the campaign.
Necessarily of employment for unemployed
OBJECTIVES: person will be earmarked and work plan will be
The main objective of this scheme are to assess made in this regard.
service being provided to citizens and bring Ward Sabha will be held in Second phase.
them at standard life. Status of infrastructure development and
Also inform lower income class people residing beneficiaries oriented schemes will be assessed.
in slums in urban areas about public welfare Shivraj Singh Chouhan informed that Urban
scheme and provide benefit in today. Development work of Rs. 83,000crore will be
Also inform them about works carried out for sanctioned.
urban development and ensure contribution of He told that with the bhoomipujan of smart city,
citizens and other agencies in urban smart road works have been started in Bhopal.
development schemes. A sum of 100crore rupees will be provided for

Bhopal and the money would be given to every
KEY FEATURES: city for development under CM infrastructure
This scheme will be conducted from 25th scheme.
December, 2016 to 5th February, 2017 in three
phases.
Fast Facts:
Sl. No. Fields Important Facts
1. Name of the Scheme Nagar Uday Abhijan
th
2. Launched on 25 December, 2016
3. Lunched by Madhya Pradesh State Government
Chief Minister of Madhya Pradesh Shivraj Singh

4. Inaugurated by
Chouhan
th th
5. Scheme Period 25 December, 2016 to 5 February, 2017
th th
First phase- 25 December to 28 December,
2016
6. Three Phases are
Second phase- January 3 to January 15, 2017
th th
Third phase- 20 January to 5 February, 2017
Mayor Alok Sharma
Revenue Minister Umasankar Gupta
BDA Chairman Om Yadav
PS Malay Shrivastava
Chief Guest of this
7.
campaign Former CM Babulal Gaur
Collector Nishant Warwade
BMC Commissioner Chabi Bharadwaj
Minister of State for Cooperatives Vishwas

Sarang
8. Budget Rs. 83,000crore sanction
National Skill Development Mission (NSDM): Explaine

Introduction
NSDM was developed to converge skill training Strategic Framework

in various sectors NSDM follows 5 C strategic frameworks for
NSDM will cover all the states of India imparting skill training programs
Expedite decision making in sectors through Create Creating skilled individuals over a long
coordinated and skilling efforts term
Correct Upskilling individuals with work
experience
About NSDM
Certify Aligning with norms, assessing and
Union Cabinet approval on 1st July 2015
Official launch of NSDM by PM Modi on 15th provide certification to trainees
Connect Making skilled trainees to join in jobs
July 2015
at any part of the world
Launched on World Youth skills day to make
Indian youth skilled Catalyze - Entrepreneurship
Mass skill training program to train millions of

NSDM Model components
Indians
Connect Supply with Demand
Nodal Agency Skill development does hand in hand with
market demand
MoSDE matches skilled and trained individuals
Entrepreneurship
to jobs anywhere in the world
Funding through National Skill Development
A general understanding of market demand
Corporation
National Skill Development Agency (NSDA) supply of skill requirements is done
Envisagement of a policy research institute
National Skill Development Corporation (NSDC)
Directorate General of Training (DGT) Formulation of skill development policies
Monitoring global changes in employment in the
Sub Missions of NSDM global scenario
Sustainable livelihood
Correct Supply for Demand
Infrastructure
Institutional training This NSDM component aims to scale up the
unemployed in the informal sector
Trainers
Convergence NSDC is the implementation agency for short
term skill training programs
Overseas Employment
Individuals with lower educational levels are
Leveraging of public infrastructure
targeted
Institutional Mechanism Skill training conducted with central, state and
Governing council at apex level for policy private initiatives cooperation
guidance NSDM aligned with other flagship schemes like
Steering committee Digital India, Swachh Bharat, Make in India and
Mission Directorate Solar Mission etc
Scaling up of existing infrastructure also done Establishing support centers to promote and
through this NSDM component encourage entrepreneurship
Providing credit access to new entrepreneurs
Create pipeline of skilled people
Skill training imparted through this NSDM Certification and Assessment
component in Alignment of skill training with National Skills

Existing educational institutions Qualification Framework (NSQF)
New dedicated skill training institutes RPL framework establishment
ITI centers Quality assessment and certification
Vocational training centers Increase in the number of quality vocational
trainers
Catalyze Demand for Skilled people
The main focus of this component is to promote Conclusion
entrepreneurship NSDM is one of the flagship schemes of GOI

Increase individual confidence to pursue their NSDM will make India the Skill capital of the
business ideas entire world
Linking of entrepreneurship to schools and By 2020, India will be a supplier of skilled labor
educational institutions to the entire world
Establishing incubation centers for Domestic labor force will also be upgraded
entrepreneurship through short term skill training programs
Atal Amrit Abhiyan - Health Insurance Scheme in Assam

Assam government has launched Atal Amrit BENEFITS-
Abhiyan on the 92 nd birth anniversary of Atal Above Poverty Line (APL) and Below Poverty Line
Bihari Vajpayee. The scheme deals with providing (BPL) families with annual income below
health insurance against 437 illnesses Rs. 5 lakhs.
including 5 critical diseases.
PROVIDES-
AIM-
Benefit of free treatment upto 2 lakhs per year for 5
Assam Government extending its hands to give critical diseases which include kidney,
quality health care which is affordable to the cancer, burns, neuro and heart surgery.
people of the state.
OTHER IMPORTANT FACTS-

FINANCIAL OUTLAY-
Rs. 200 crore

The scheme will roll out from 1 April, 2017.
A Health/Smart Card will be given at the cost of This scheme is organised as a tribute to Mr.
Rs 100/- so that assurance is cashless at the Vajpayee whose keen interest was in positive
point of delivery supporting PMs cashless move. development in the north-east area of the country.
The 437 illnesses are divided into six groups The government is trying to empanel
which are kidney, cardiovascular, cancer, more and more hospitals under this scheme so that
burns, neo-natal and neurological conditions. treatment can be availed without much
Assam has claimed to have taken the biggest hassle. Assam Chief Minister concluded that the
health care initiative like this as compared to government has always thought of
any other state in the country. committing in health and this scheme will ensure
Assam Chief Minister Sarbananda Sonowal and that quality healthcare is affordable.
Health and Family Welfare Minister Himanta Hence Atal Amrit Abhiyan is going to be beneficial
Biswa Sarma have spearheaded this scheme. for the people of Assam.
A separate society under Department of Health
and family Welfare will be set up for
administering this scheme.
National Youth Policy - Explained

Introduction Youth engagement
NYP aims to empower youth in the age group of Social justice
15 to 29 through skill training

Rural youth statistics
NYP helps a common man/youth turn into an
80 percent of rural youth dependent on farming
entrepreneur
Nearly 72% of Indian population live in rural
NYP offers skill training based on identified
areas (Census, 2011)
priority areas
Among this 26% are rural youth (15 to 29 Age)
NYP is the predecessor of National Skill
Agriculture is the major profession of rural youth
Development Mission
contributing to 50 percent of the entire Indias
NYP priority areas for youth employment
Entrepreneurship 89% have no formal vocational training
Employment
Challenge of the youth
Health and healthy lifestyle
Lack of education
Education
Increasing rate of school dropouts
Sports
Lack of Skill development programs
Skill development
Unequal opportunity
Promotion of social values
Bonded labor
Participation in politics and governance
Regional disparities
Community engagement
Inclusion
Rural Youth deprived of labor force, education Alignment of NYP with other Schemes
and employment enjoyed by urban PM Mudra Yojana Develop entrepreneurial
Population pressure spirit among the youth
Female youth are worst affected with early/child Stand up India To develop SC/ST and women
marriages entrepreneurs
Caste system Digital India Skill youth on digital
Social customs infrastructure and technologies
Land pressure Make in India Developing skilled and industry
Corruption ready youth
Lack of capital
Seasonal nature of agriculture Conclusion
Poor health Skill development programmes are a means to

Poverty bring a change in the life of the rural youth
Lack of support Rural youth find it hard to enter colleges due to
high competition from urban youth
Importance of NYP
NYP comes to the aid of rural youth in imparting
By 2020, India set to become the youngest skills that are job oriented
country in the world with a youth force of 64% NYP encourages youth to become
of Indian population entrepreneurs
China, Japan, Europe and west nations ageing Higher emphasis given to rural youth with focus
population opportunity for Indians on vocational training
This makes skill development mandatory under This will ensure that Indian youth is skilled and
NYP industry ready
Youth will contribute to 2% of GDP growth rate Overall, NYP will address the huge problem of
by 2020 unemployment in India and bridge the gap
By 2020, India will have a surplus of 47 million between corporate and employees through
manpower compared to the deficit in other skilled youth
world nations
NYP aims to train youth on modern agricultural
practices
Training on non farm sectors is also provided
under NYP
Job oriented courses to youth
Improve the educational and literacy
percentage in rural areas
Urja Ganga Yojana: All You Need To Know
Introduction Set up 20 CNG stations for the vehicle is also
Prime Minister Narendra Modi launched a new part of this project to solve the problem of diesel
project named Urja Ganga gas pipeline project on and petrol.
24th October, 2016. This project is gas pipeline

Key Features
project and doubling for railway track on a busy
Prime Minister Narendra Modi flagged off
route. When Prime Minister Narendra Modi was
projects like doubling of railway tracks on the
visited his Lok Sabha Constituency Varanasi on
Allahabad to Varanasi station and expansion of
October 24, 2016 there he inaugurated this new
Diesel Locomotive Work (DLW) besides laying
project. Urja Ganga is the biggest ambitious
foundation stone for a fully air-conditioned
projects launched by Government including a 1,500
perishable cargo center in Varanasi.
km long gas pipeline costing Rs. 51,000crore. This
Government has also planned to develop 25
project is a huge gas pipeline project for the
industrial clusters in five states like Varanasi,
distribution of cooking gas to residents of the city of
Patna, Bhubaneswar, Kolkata and Cuttack using
Varanasi within two years.
the gas from this pipeline.
Objectives Under this project a total 2540km long natural
The main objective of this project is to provide gas pipeline would be laid in five states.
proper good cooking gas and to improve the From this project a total of 40 districts and 2600
living standards of the people in Varanasi within villages are expected to be benefited.
two years. 20,000 vehicles will get CNG because of this
This project also offers various benefits for the project so lot of people will get work as CNG as
state which is travels and covers millions of cheaper than the diesel and petrol.
peoples in the states like Odisha, Bihar and Set up 20 CNG stations for vehicle is also part of
West Bengal and so on. this project to solve the problem of diesel and
This project would be beneficial for around petrol and total no of project is 1000crore which
20lakh families in those eastern parts of the will be finally give more output to people.
India like Cuttack, Patna, Kolkata, Bhubaneswar 20lakh people of Varanasi city is affected by this
and Varanasi. project as length of this city is approx. 1535km.
Because of this project about 800kms pipeline Approx. all the farmer will benefit of this
would be put just only in Varanasi region and project.
profit about 50,000 households and 20,000

vehicles for PNG and CNG correspondingly.
This project would also provide the accessibility
of approx. 5lakh LPG gas cylinders within next
5years.
Length of gas pipeline in different state:
Length of gas pipeline State
441km Bihar
542km West Bengal
338km Uttar Pradesh
500km Jharkhand
Overall Information
Sr. No. Fields Data
1. Name of the Project Urja Ganga Project
th
2. Lunched on 24 October, 2016
Prime Minister Norendra

3. Inaugurated by
Modi
4. Place where the project launched Varanasi
This project will be beneficial which part of

5. Varanasi and Eastern India
the India
6. No. of Vehicles benefited under this project 20,000
Total length of natural gas pipeline under

7. 2540kms
this project
Total no. of districts and villages are

8. 40 & 2600
benefited under this project
No. of households which would be benefited

9. 50,000
under this project
10. 1500kms
Total distance covered by gas pipeline under
this project
No. of station will be set up under this

11. 20
project
12. Budget Rs. 51,000crore
Pradhan Mantri Ujjwala Yojana: All You Need To Know

The women from BPL families who are eligible
Introduction:
have to fill up PMUY Know Your Customer (KYC)
PMUY(Pradhan Mantri Ujjwala Yojana) is a scheme form.
launched by our honourable Prime Minister The form is available at all the LPG outlets
Narendra Modi on the 1st of May 2016 in Uttar throughout the country.
Pradesh. Under the PM Ujjwala Yojana, the The individuals have to mention the type of
government aims towards social welfare by cylinders which they require while filling the
providing LPG connections to households which are form and at the same time the required
Below Poverty Line (BPL) in the country. The aim of documents are to be attached along with the
this scheme is to replace the unclean cooking fuels form filled.
which are used in the rural parts of India with the The final form has to be submitted at an LPG
clean and more efficient Liquefied Petroleum Gas outlet.
(LPG).
Eligibility criteria:
Aims of Pradhan Mantri Ujjwala Yojana:
The list of SECC-2011 data should have the
To bring forward a healthy environment applicants name on it.
Women empowerment Only women over 18 years of age are eligible.
To reduce health related issue which is The applicant should be from a BPL family.
associated with fossil fuel based cooking The applicant should have a working savings
To check the number of deaths caused due to bank account in any of the nationalised banks in
unclean cooking fuel India.
To prevent respiratory diseases in children Applicants who already have a LPG connection
To stop indoor pollution due to the burning of in their name are not eligible.
fossil fuel while cooking
Documents required:
How to apply for Pradhan Mantri Ujjwala Yojana:
A Panchayat pradhan or Municipality chairman
authorized BPL certificate.
BPL Ration Card
A photo identity proof for example Aadhar card a total budget of RS 8000 crore. This scheme will
or Voter ID card provide a financial support of Rs. 1600 for each LPG
Recent passport size photo connection to the eligible BPL households. PMUY is
being implemented by the Ministry of Petroleum &
Funding of PMUY:
Natural Gas and for the first time such an enormous
Rs 2000 crore has been allocated by the welfare scheme has been launched that will benefit
government in the implementation of the PMUY huge number of women belonging to the poorest
scheme for 2016-17. The scheme is to be households.
implemented completely in the span of 3 years with
National Apprenticeship Promotion Scheme: Explained

Implemented by Director of General Training
Introduction
(DGT)
Cabinet approved NAPS to train apprentices
Apprenticeship training is the efficient and Funding
noblest manner of providing skill training and Initial corpus of 10000 crore rupees allocated to
developing skilled persons in the country NAPS
NAPS is a part of labor reforms amending the 50 percent of the funds borne by GOI
factories act, labor laws act and apprenticeship 25 % of stipend amount given by GOI to
act employers
Major punishments such as imprisonment and Basic training is also supported by GOI in NAPS
liabilities pertaining to Apprenticeship act are
About Apprenticeship training
removed through the amendments
Apprenticeship training is one of the focus areas
NAPS labor reforms - Amended Acts
of National policy for skill development
Factories Act Better worker safety and Provides industry led training program
doubled provision for working overtime Apprenticeship training serves as the most
Labor laws act Companies with less than 40 efficient and effective means of formal training
workers exempted from labor law provisions It provides practice oriented training program
Apprenticeship act - Removal of mandate for Apprenticeship training works hand in hand with
absorption of half apprentices the industry especially with MSMEs
Apprenticeship training facilitates increase in
Target of NAPS
opportunities by ten fold by 2020
To train 50 lakh apprentices by 2020 PM Modi recently launched the Apprenticeship
portal to network employees, companies and
Nodal Agency
government
Ministry of Skill development and
It is expected to become the countrys most
Entrepreneurship
powerful skill delivery program
Need for Apprenticeship program Training on farm machinery is provided to the
Migration of rural youth (2 million annually app) youth
Employment opportunities are less due to high Non farm apprentice training on a short term
rate of migration basis is provided
As a result youth land up in low paid or under NAPS works in alignment with the goals of PURA
paid jobs NAPS interfaces institutions like Khadi and
Low profitability in agriculture Village industries, educational institutions, Small
No interest in Agriculture farmers agri business association, NGO etc to
Urgent need to empower rural youth and impart skill training to the apprentices in various
women job creating fields
Nearly 74 percent of Indian households have Agro tourism based industries offer new
monthly income less than 5000 rupees employment opportunities and skill training is
according SECC, 2011 provided in these areas
According to National sample survey, average Maharashtra State Agro and Tourism (MART) is
monthly expenditure in urban areas is 2630 a successful model with more than 150 centers
rupees compared to 1430 rupees in rural areas run privately
Women constitute only 25 % in the total work This successful model is followed in Kerala,
force Rajasthan, H.P and Gujarat
Lower education NAPS develops such innovations
Lack of skill training

Conclusion
Now, only 10 percent of the workforce is trained
NAPS trains millions of youth and is projected to
including both formal and informal sector
be the vital scheme to drive skill development in
Benefits of NAPS India
NAPS aims to skill apprentices to the tune of 5 It works in tandem with the industry providing
million by the year 2020 skill training with job oriented outcomes
Youth hostels will be established in main cities NAPS provides skill training at grass roots level
to support youth for the first 6 to 12 months It helps prevent the migration of rural youth to
Employment department in each district urban areas by establishing network with
empowered to provide career guidance different rural non governmental institutions
programs in lieu of NAPS to youth pertaining to and provide training to rural youth and get
education or job employment in the rural areas
NAPS aims to create job opportunities for rural The scheme will encourage third party agencies
youth in rural areas itself and minimize the to impart skill training where in house training
migration problems facility is unavailable
NAPS trains rural youth on modern agriculture Overall, NAPS helps GOI to achieve the Skill
practices and technology to make them India mission
agriculture based entrepreneurs
Deendayal Upadhyay Swaniyojan Yojana: Explained
Introduction Dairy farming
Deendayal Upadhyay Swaniyojan Yojana (DUSY) Driving
was launched by Rural development ministry to Agriculture
promote entrepreneurship through skill training Plumbing
in rural areas Horticulture
It is viewed as the rural avatar of Start up India Grafting
scheme Masonry
Scheme was launched in 2016 along with Start Food processing
Up India scheme by PM Modi Textile

Animal Husbandry
Objectives of DUSY
Benefits
To provide skill sets for self-employment to rural
masses Skill training is provided in the above domains to
To give incentives to rural poor pursuing self- pursue self-employment
employment Self Help Groups are encouraged more to start
To provide financial assistance to self-employed entrepreneurial ventures
or poor rural entrepreneurs More emphasis is given to women and Self-help
To support poor rural people looking to start groups (SHG) in DUSY
new business or pursue self-employment options This will increase the participation of more SHG
in DUSY
Nodal Agencies Rural entrepreneurship will see an uplift with
Ministry of Rural development DUSY network with SHG
Ministry of Skill development and DUSY is seen as a means of achieving financial
Entrepreneurship independence from the perspective of women
MUDRA bank Women empowerment will occur in the rural
areas
Funding
The rural economy will get a boost with new
Main source of Funding is through National avenues of employment other than agriculture
Rural Livelihoods Mission The pressure on land will reduce considerably
DUSY loans are funded through MUDRA Bank
Conclusion
loans
Beneficiaries obtain credit linkages in an DUSY is expected to achieve the goals of
innovative manner Startup India in rural areas
Self-help groups are the main beneficiaries It will provide a means of employment to the
rural youth in the form of rural entrepreneurship
Skill Set Training areas under DUSY
DUSY also will solve the disguised
Beauty courses unemployment existing in the agriculture by
providing training to the rural people on non- It is also seen as a measure to mitigate
farm practices migration issue
DUSY along with NRLM will improve the Overall, DUSY will address rural unemployment
livelihoods of the rural people and reduce poverty on a mass scale
DUSY along with Startup India will boost rural
entrepreneurship
Suryamitra Skill Development Program: Explained

Introduction MNRE is the institution to set these targets
Suryamitra initiative is a residential program to

Nodal Agency
develop skilled technicians in solar powered projects
National Institute of Solar Energy (NISE) is the
implementation agency of Suryamitra
Ministry of New and Renewable Energy (MNRE)
Need for Suryamitra
About National Institute of Solar Energy (NISE)
India has set a target of 100 GW solar power in
It is an autonomous institution under MNRE
25 years
NISE is the successor of Solar Energy Center
According to Confederation of Indian Industry
(SEC)
(CII) estimates, this will need about 6.5 lakh
GOI has converted SEC that was in operation for
trained personnel in the solar energy field
25 years into NISE under MNRE
Suryamitra course is designed to meet this need
NISE is the apex R & D institution in the field of
About Suryamitra initiative solar energy
Suryamitra initiative is a part of Make in India NISE helps GOI in achieving the National Solar
scheme Mission
It is a 3 month training course NISE coordinates technology and research work
The entire course is completed in 600 hours pertaining to Solar power
This skill development program is aimed to

Funding Agency
create skilled manpower in solar power plant
100 % funding of Suryamitra by GOI
and equipment installations
Services covered under Suryamitra

Target
Solar project installation
To train 50000 Suryamitras in the field of solar
Provide servicing for solar powered panels
energy
Solar project repair
In 2016, 3200 suryamitras are trained
Solar equipment servicing
7000 new suryamitras to be trained in the fiscal
Solar project maintenance
2016 - 2017
Servicing in solar power plants
To achieve the entire target of 50000
Servicing of solar products like
suryamitras in next 3 years
Solar cookers Benefits

Solar pumps Suryamitra scheme creates job opportunities in
Solar lamps various solar industries
Solar heaters etc Helps in reducing the unemployed youth
80 percent of the trained suryamitras are placed
Suryamitras are skilled technicians in the above
in a solar field company with a good
services
remuneration
Recent Developments Rest of the suryamitras are becoming
NISE developed the Suryamitra App recently entrepreneurs in the solar energy field
It is a GPS based mobile App The skill development program promotes
This mobile app can handle 1000s of calls at entrepreneurship and employment
the same time

Conclusion
The app is categorized in the high end
Suryamitra will create employment in the solar
technology platform segment
energy field
The suryamitra app enables monitoring of
Solar energy use will be projected to the public
suryamitra visits in an efficient manner
through the Suryamitra mobile app
Training Institutes of Suryamitra Suryamitra mobile app create demand for solar
ITI based products and act as a catalyst
Polytechnic Overall, Conventional energy consumption will be
Universities reduced to a great extent by switching to solar

Educational institutions etc energy benefiting India as a whole
Suryamitra skill development programs are

conducted in the above institutes and various
other locations across the country
Pravasi Kaushal Vikas Yojana: All You Need To Know
Introduction PKVY launched after the inauguration of Pravasi
PM Modi announced about PKVY skill Bharatiya Divas at Bengaluru
development program at the fourteenth edition

Indian Diaspora
of Pravasi Bharatiya Divas
30 million Indians live abroad
PKVY is aimed at imparting skill training to
They reflect the Indian ethos, culture and values
Indian youth seeking employment overseas
Annual remittance of Indians abroad comes
PKVY is launched as a means of showing respect
around $69 billion annually
to the contributions made by Indians overseas
PM Modi urged PIO card holders to change to
by ensuring their welfare and safety
OCI cards by June 30, 2017
About PKVY PKVY will serve as a vehicle for NSDC to enter
PKVY is to be launched to address the brain into MoU with different agencies of
drain challenge into brain gain

a. European Union
PKVY will help boost the confidence of Indian
b. United States
youth when they land abroad
c. United Kingdom
Skill development is given to Indian youth based
d. Germany
on the vocation they choose
e. Australia
PKVY will ensure that Indian youth will not feel
f. Canada
as strangers in foreign nations
g. France
The training program will be of international
h. Singapore
standards
i. China
Indian youth will be trained and certified under
j. Iran
PKVY
Conclusion
Nodal Agency
PKVY is a skill development program aimed at
Implemented by National Skill Development
the welfare, safety and security of overseas
Corporation (NSDC)
Indians especially Indian youth interested in
Ministry of External Affairs
going abroad to work
In the due course of time, PKVY will help convert
Entrepreneurship
Brain drain into brain gain
Training partners of NSDC
India will become a major supplier of skilled
professionals to the entire world in the next
Benefits
decade and PKVY is one of the schemes to
PKVY will keep safety and security of Indian
realize this vision
working abroad as the top most priority
Fraudulent practices by consultancies to cheat
Welfare of the overseas Indians is ensured
youth by giving false promises about abroad
through external affairs ministry
opportunities will be reduced to the core
External affairs ministry will come to the aid of
Overall, PKVY will serve as a proper channel for
overseas Indians in distress through social
the disoriented Indian youth with aspirations to
media
going abroad and work with certified skill
PKVY will help keep a track record of the Indian
training
youth going abroad after getting trained in the
skill development program
PKVY will aid in making India the Worlds Skill
capital
Skill Banks: All You Need To Know

Introduction
Skill banks are training centres to provide Retail trade

training to potential immigrant workers Automobile
Skill Banks are established first in the states of
Other sectors are likely to be included in the skill
U.P and Bihar
development training program of skill banks where
U.P and Bihar account for the maximum
job opportunities may emerge in future
emigrants annually in India
These two states have the maximum number of Special features of skill banks
employees working abroad
Youth trained in skill banks get acquainted with
Also these states have the maximum
the local culture of the country in which they go
population
to work
The training program is of international
Before emigration, trainees are made familiar
standards
with language and work ethics of the foreign
Skill banks cover about 110 job roles
nation
50 global skill banks are set up by GOI in 2016
Training at the skill banks is demand driven
Objectives of Skill Banks If the requirement in a gulf nation is for 1000

mason workers, then skill banks will train 1000
The primary objective of skill banks is to train
masons and send them to the respective nation
workers for global markets
This ensures that majority of the persons trained
To project India as the capital of Human
in skill banks will be sent abroad as it is
resources in the world
demand-based
Main focus countries of Skill banks Skill banks train the workers and certify them
South East Asia Skill banks ensure that the employee gets good
Norway working conditions abroad
Germany The trainees get a better salary abroad after
Canada attending the training program and sent
Sweden abroad
Japan
Conclusion
The above countries will have huge dearth of
Skill banks help people go abroad and work in a
nurses and care givers in the next decade
safe manner
Skill banks focus on these countries for job
Workers sent abroad through skill banks will
opportunities and train people according to the
have the support of GOI
requirement
All migration-related issues and frauds by
Key sectors covered by Skill Banks consultancies will not occur once workers are
Health care trained and sent abroad through skill banks
Medicine Rural poor and unaware people can completely
IT trust the skill banks for their overseas job
Hospitality opportunities
Skill banks help in identifying the requirements

arising abroad in various nations and match the
requirements with the employees in India
through skill training programs
Nayi Manzil Scheme: All You Need To Know

Introduction 2. Muslims
The scheme was launched in Jammu and Kashmir 3. Jains
initially 4. Sikhs
5. Parsees
Now the scheme covers the entire country 6. Buddhists
Minister for Minority affairs launched the Nai Manzil scheme aims to tap the labor force
scheme from these minority groups to join the formal
The scheme focuses on school drop outs in employment by proving skill training
minorities and help them complete their school
education Objectives
The scheme aids in providing employment The main objective of the scheme is to generate
opportunities to school dropouts after training employment to youth belonging to minority
them communities
The scheme also extend loans for starting up
Nodal Agency
new businesses to minorities
The scheme is implemented by ministry of The scheme will address the educational needs
minority affairs of the minorities especially Muslims
GOI to fund 3738 crore rupees for the scheme The scheme also covers the livelihood needs of
initially minorities
World Bank funded scheme
Recently, World Bank signed credit agreement Beneficiaries
with GOI to provide funding to Nai Manzil Scheme covers people in the age group of 17 to
Scheme to the tune of $50 million 35 from all minority communities
Maulana Azad education foundation to impart All school drop outs are eligible for training
skill training in all its centers under this scheme
Madarasa students form the main beneficiaries
Background
Madarasa students confine themselves to
World Bank reports indicate that around 20 contemporary education and often do not get
percent of individuals in the age group of 17 to formal employment
35 are from minority groups Nai Manzil Scheme enables Madarasa students
Minority groups in India include to get employed in the formal sector through
1. Christians skill training
30 percent of the seats are reserved for minority The scheme is welcomed by all academicians
girls and religious leaders
The scheme will benefit about 3 lakh madrasas
About Nai Manzil Scheme Training course
operating in India
Training course is a non residential program Each madrasa has about 100 students enrolled
Tenure of the course is between 9 to 12 months in them
Bridge courses are provided to the trainees to A total of about 30 million madarasa students
get 10th and 12th certification on distance would get benefited from the scheme
mode The scheme makes the minority youth to
Trade basis skill training is provided to the compete with the rest of the students in the
beneficiaries formal employment
Avenues are open to continue or pursue higher The main benefit of the scheme is to make
education and create employment opportunities minority youth to become good citizens and
in the formal sector enter formal sector rather than drifting towards
The training mainly covers courses in four main anti social activities
sectors including Overall, the scheme is a great boon to the
1. Engineering minority youth
2. Manufacturing
3. Soft skills
4. Services
Way Forward
DeenDayal Upadhayaya Gram Jyoti Yojana: Key Points

INTRODUCTION: The quality and reliability of supply to be
The scheme was launched by the Government of improved by proper distribution of networks.
India in 2015.The main aim of scheme is to bring To make necessary arrangements in order to
reforms and uninterrupted power supply in rural reduce the power losses during the transmission
areas of the country.The earlier rural electrification of electricity.
scheme Rajiv Gandhi Grameen Vidyutikaran To bring improvement in accessibility to digital
Yojana(RGGVY) has been merged with this DDUGJY. India through quality power supply.
Remarkable features of the scheme:- Financial Aid:-
To provide electricity to all 6 lakh villages in the The government of India will release an estimated
country. funds of Rs.43,033 crores with a budgetary support
To provide separate feeders for electricity supply of Rs.33,453 crores during the execution of the
to household consumers and agricultural entire project.
farmers.
Inclusion of BPL also designed to ensure the transparency in the
The below poverty line households will get a free implementation of the electrification process in the
electricity connection with LED lamps at Rs.3000 rural areas.The app also provides the district wise
per connection. progress of the scheme which enables the citizens
The SC/ST population within the BPL will also be to fetch the data through this app comfortably.
provided with free connections along with separate

CONCLUSION
maintenance of records.
The main outcome of this scheme would be 100%
electrification of rural areas and also a next step
GARV-2 towards 24 7 power for all.
Further to boost this scheme the power ministry has

launched GARV-2 app to provide realtime data
about the six lakh villages of the country.The app is
Digi-Locker Scheme: All You Need To Know

INTRODUCTION My certificates (in dashboard of customers account)
Digi Locker is nothing but a digital locker that was futher divided into two
launched by the government of India in February Digital documents: It contains the URLS of the
2015.The main idea behind the scheme is to provide documents issued by the government agncies or
a secure storage of documents in digital form.It is any other entities.
one of the key initiatives of digital India Uploaded documents: It contains all the documents
campaign.It is also aimed to minimise the usage of uploaded by the user,each not exceeding 10mb of
the documents in physical form in which handling space.
risks are involved. Issuer: an entity which issues the documents in

original format and converting them to electronic
WORKING OF SCHEME format.
It will be helpful in sharing the e-documents through Requester: an entity who requests for a secure
the registered repositories, in order to ensure the access to particular e-documents.
authenticity of the documents online.This scheme Repository: a collection of e-documents.
allows the citizens to upload their own documents
and digitally sign them using aadhar based e-sign USAGE
facility.One can easily share to other entities or Currently, the beta version(trial version) has been
organisations using their aadhar enabled Digi launched in which more than 2.5 lakh of people
locker accounts.Some of the examples of such registered and have uploaded more than 1.8 lakh of
digitally uploaded documents are income tax documents electronically through their aadhar
returns file, university degree certificates, etc. enabled accounts.
ELEMENTS INVOLVED
ADVANTAGES Mobile authentication based sign up facility.
The Digi locker will gradually bring down the Documents are hosted by ISO 27001 certified
cost incurred in providing services by the data centre.
government. Timed log out is provided to secure the
It will also bring down the staffing requirements customers account from unauthorised access.
involved.
CONCLUSION
Helps in saving the time as well as safe and
One of the great step towards the digital India by
secure, thereby reducing the fraudulent and
saving the time, cost and various other risks
middlemen.
involved in physical transactions of the documents.
Since these e-documents are digitally signed
In the forthcoming years the scheme would be of
using aadhar based facility one cannot
great success.
cheat/forge the documents.
A Digi locker account holder can access
his/her e-documents anywhere at anytime.
SECURITY FEATURES
256 bit SSL encryption.
NTR Arogya Raksha Scheme: Explained
INTRODUCTION: people to enroll their names in the scheme by
The Andhra Pradesh Government launched a new paying Rs. 1200 per annum per head.
scheme named NTR Arogya Raksha Scheme on This scheme also health insurance cover is
1st December, 2016 in Vijayawada to provide a offered up to 2lakh and free treatment.
medical treatment to the people of the Above

KEY FEATURES:
Poverty Line (APL) at Rs. 1200 premium per annum.
The NTR Arogya Seva scheme has already been
This scheme was launched by the Chief Minister of
launched for Below Poverty Line (BPL) families.
Andhra Pradesh N. Chandrababu Naidu. This
This health scheme provides medical treatment
scheme is health insurance scheme.
for 1044 health and medical ailments in any of
OBJECTIVES: the 432 Corporate Hospitals and 80
This schemes main objective is to provide Government Hospitals in the state.
medical treatment to the people belonging to This scheme also offers medical insurance to
Above Poverty Line (APL) at Rs. 1200 premium those people who are not covered under any of
per annum. the existing health schemes of the state
This health scheme will cover the 1044 government.
secondary and tertiary diseases and appeals The Above Poverty Line families can be avail its
benefit by paying monthly installment of Rs. 100
per month per head or yearly installment of Rs. SWASTHYA VIDYA VAHINI Program:
1200 per annum per head. The Chief Minister of Andhra Pradesh N.
Also, a similar service has been provided to Chandrababu Naidu launched a health education
employees and journalists in the form of health program in Vijayawada named Swasthya Vidya
cards. Vahini program on 24th December, 2016. This
Those who are not being covered by any such program was aimed to developing a disease-free
scheme, the new health initiative Arogya Andhra Pradesh. Some features of this program is-
Raksha have been launched. This program will involve helping of all medical
The new Married couple either the wife or and nursing students from the state.
husband belongs to other state can be Under this program, students of all the nursing,
registered under one family by paying the entire psychology, medical and home science will be
annual premium. divided in to 446 teams.
People are resister for this scheme at any of the This program will help to develop leadership and
Mee Seva centers till 28th February, 2017. communication skills among the students. The
Unlike other insurance schemes pre existing students have to prepare a health profile of the
diseases will not be considered. village and inform the officials over the reasons
The chief Minister also requested the students for the spread of disease and remedial
of medical, nursing, psychology and home measures.
science to contribute their best to improve the The students would be awarded marks in the
public health through the Swasthya Vidya field work which would be treated as practical
Vahini.
Andhra Pradesh has now become the FIRST
state to fulfill the health for all vision of the
World Health Organization (WHO).
OVERALL INFORMATION:
Sl. No. Field Information Data
1. Name of the scheme NTR Arogya Raksha Scheme
st
2. Launched on 1 December, 2016
Chief Minister of Andhra Pradesh N.

3. Lunched by
Chandrababu Naidu
4. Place where the scheme launched Vijayawada, Andhra Pradesh
5. Eligibility Above Poverty Line (APL) people
6. Scheme type Medical Insurance
7. Premium of this scheme Rs. 1200 per annum per head
8. Under this scheme program launched Swasthya Vidya Vahini
Medical, Nursing, Psychology and Home Science

9. The program is for
Student.
10. Budget Rs. 160.56crore
Shyam Prasad Mukharjee Rurban Mission: Key Points

Introduction Objectives
PM Modi launched Shyam Prasad Mukharjee The main objective is overall social,
Rurban Mission in Rajnandgaon district of infrastructure and economic development of
Chattisgarh villages
This scheme is a successor of Provision of Urban The scheme aims to develop a cluster of 300
amenities in Rural Areas (PURA) model smart villages across the nation by 2020
envisioned by our Late President Dr. APJ Abdul
Beneficiaries
Kalam
It is a cluster based approach to develop smart Clusters are formed based on the demography
villages for SPMRM mission
The scheme includes skill development as one of Plain and Coastal villages with a population less
the key components than 50000 and greater than 25000

Hilly, Tribal and Desert regions with a
About Shyama Prasad Mukherjee Rurban Mission population of 5000 to 15000 people
(SPMRM)
What is a Smart Village?
RURBAN Mission is a cluster based approach to
develop the villages It is an area that has the lifestyles and economic
Shyama Prasad Mukherjee Rurban Mission characteristics of urban areas
includes skill development and economic Smart village does not affect the features of the
developmental activities rural area while transforming
It trains the rural youth on self-employable skills Villages are classified into clusters for
It aims to protect rural habitat and at the same developing skills and local entrepreneurship
time develops urban amenities
Provisioning of economic activities and LPG gas connections

developing infrastructure is done in the E-gram connectivity
identified clusters Electronic delivery of citizen centric services
Public transport
Nodal Agency
Warehousing
State governments are responsible for cluster Agriculture services
identification Agro-processing
Funding through various government sponsored Storage
schemes Water supply provisions through pipes
Funds shared on PPP basis Sanitation
Center funds 30 percent of the project cost Waste management solid and liquid
through Critical Gap Funding (CGF) Education facilities up gradation
Center and State institutional mechanism for
smooth implementation of SPMRM Way Forward
Initially 300 clusters are developed with a This scheme

budget of 5100 crore covering 100 clusters on Mitigates the challenges of rural migration
an annual basis Reduces the after effects of hyper urbanization
The mission has an innovation budget for SPMRM would catalyze the growth of both rural
undertaking research, capacity building and and urban sectors through the clusters
development identified by improving rural areas and
decongesting urban areas
Major components of SPMRM Mission
Balanced development of rural and urban
SPMRM has 14 mandatory components and sectors
other essential components SPMRM will help in generating employment
Cluster based Skill Development opportunities in the rural areas through
Digital literacy appropriate skill training programs
Skill training linked to employment Rural youth will be educated and benefited the
Inter village road connectivity most from SPMRM
Mobile health units Overall regional growth will be attained through
Infrastructure development SPMRM.
INSPIRE: Innovation in Science Pursuit for Inspired Research Program

Introduction INSPIRE aims at developing research and
INSPIRE aims to attract youth and talent to development activities in Science
pursue and study science

Objectives
The scheme will promote the study of science
To attract talent in the field of science
among the children at an early age
To communicate and train youth of the nation in The scheme will strengthen the Research and
the field of science Development base of the nation
Young children are inducted into skill training in
Nodal Agency
science at an early age to develop a strong pool
Department of Science & Technology of human resource in science and technology
Ministry of Science & Technology field
Entrepreneurship Way Forward
There is a declining trend among students in

Beneficiaries
pursuing science
Young Children The number of students choosing science as the
School kids option in the higher secondary is declining
indicates the loss of interest in science among
INSPIRE Components
students
Scheme for Early Attraction of Talent (SEATS)
This unique INSPIRE scheme aims to develop
Assured Opportunity for Research Careers
and skill students in science in an innovative
(AORC)
manner
Scholarship for Higher Education (SHE)
The scheme will foster interest in science among
Features children from the early age

The students are given scholarships to pursue
The scheme aims to develop a skilled scientific
higher education in science through this
human resource out of the young children
scheme
There are no competitive exams held by the
There will be an enhancement in the research
scheme organizers to identify the talent
and development in the science sector
Beneficiaries are identified from the normal
education system and trained
New and innovative scientific products will be There will be growth in the number of scientists
developed in India in India
India has the possibility of emerging as the
scientific power in the world through scientific
skill development imparted through INSPIRE
List of Government Schemes in India 2016-17

Aim: To bring reforms and uninterrupted power
DEENDAYAL UPADHYAY GRAM JYOTI YOJANA (DUGJY):
supply in rural areas of the country
th
Launched: 25 July 2015 in Patna
Features
Funding of of 43,033 crores w Resource Development

BPL will get a free electricity connection with Aim: To strengthen health centers in open
LED lamps at Rs.3000 per connection. defecation-free blocks
GARV-2 app launched to provide realtime data
Features
about the six lakh villages of the country.
100% electrification of rural areas Grant of Rs 10 lakh to each Community Health
Centres (CHCs) in ODF blocks of the country.
PRADHAN MANTRI UJJAWALA YOJANA (PMUY) Main components
Launched: 1st of May 2016 in Uttar Pradesh. Community Health Centres (CHCs) in ODF
Aim: Social welfare by providing LPG connections to blocks supported to achieve Kayakalp
certification.
BPL households in the country.
Gram Panchayat of Kayakalp Primary Health
Features Centres (PHCs) prioritized to become ODF.
Training in WASH (Water, Sanitation and
To replace the unclean cooking fuels with the
Hygiene ) of CHC/PHC nominees.
clean and more efficient Liquefied Petroleum
Gas (LPG).
DEENDAYAL ANTYODAYA MISSION (DAM)
Financial support of Rs. 1600 for each LPG
connection
Launched: June 2011
Implemented by the Ministry of Petroleum &
Natural Gas Aim:
URJA GANGA YOJANA (UGY) To nurture rural power till they comes clear of
abject poverty
Launched: 24th October, 2016 in Varanasi To expand livelihoods in small enterprises;
Aim: A 2540 km long gas pipeline which will agriculture based rural areas and employment
guarantee supply of clean and eco friendly fuel to at in formal sector.
least seven main cities Varanasi, Patna, Features:
Jamshedpur, Kolkata, Ranchi, Bhubaneswar and

Also known as National Rural Livelihood
Cuttack .
Mission (NRLM)
Features SAMARTHYA A set of 10 training

programmes focusing on technical education
To provide the accessibility of approx. 5 lakh created under MGNREGA
LPG gas cylinders within next 5 years. Provides scope for value addition, innovation
20,000 vehicles will get CNG and entrepreneurship.
SWACHH SWASTH SARVATRA ABHIYAN (SSSA) PRADHAN MANTRI SURAKSHIT MATRITVA ABHIYAN
(PMSMA):
Launched: 25th December 2016 by Union Health
Ministry in collaboration with the Ministry of
Drinking Water and Sanitation and Human
Launched: 9th June 2016 Features

Aim: To improve the quality and coverage of
NITI Ayog stands for the National Institution
Antenatal Care with Diagnostics and Counselling
for Transforming India.
services as part of Reproductive Maternal Neonatal
Prizes for Merchants for all digital transactions
Child and Adolescent Health.
are worth Rs. 50,000, Rs 5,000 and Rs. 2,500.
Features Incentives shall be restricted to transactions
within the range of Rs 50 and Rs 3000
Offers some additional opportunities to all
(common people).
pregnant women who have missed their ante-
The winners will be selected through a random
natal visits due to some reasons.
draw of the eligible Transaction IDs.
Provides care provision by a Doctor, Physician
or Specialist in the second or third trimester.
LUCKY GRAHAK YOJANA (LGY)
will be held on the 9th of every month. Launched: 15th December 2016 by NITI Aayog and
NPCI.
PRADHAN MANTRI VITTIYA SAKSHARTA ABHIYAAN
Aim: To increase the Cashless Transactions
(PMVSA)
Features
Launched: 1st December 2016 by Human Resource
In this Yojana, there is a lucky draw for those
Development Minister Prakash Javadekar in New
who will do more cashless transactions during
Delhi.
a particular period. This scheme is for
Aim: To go for cashless transaction and payment
merchants and customers only.
modes like using credit or debit cards or the
Those who are doing cashless transactions by
payment wallets to reduce the malpractice in the
using AEPS, USSD, UPI, RuPay. They will be
country.
eligible for this scheme.
Features
PRADHAN MANTRI GARIB KALYAN YOJANA (PMGKY)
To stop the malpractice of corruption and to
finish black money in India. Launched: December 2016
Encourages the common people to evolve and Aim: To improve the financial position of the poor
opt for cashless transactions people
DIGI DHAN VYAPAR YOJANA (DDVY) Features
To organise Garib Kalyan Mela

Launched: 15 December 2016 by Prime Minister
Make our country developing to developed.
Narendra Modi
Proposed by: NITI Ayog headed by Arvind NTR AROGYA RAKSHYA SCHEME
Panagariya
Launched: 1st December, 2016 in Vijayawada
Aim: To increase the Cashless Transactions Aim: To provide medical treatment to the people
belonging to Above Poverty Line (APL) at Rs. 1200 A Health/Smart Card will be given at the cost
premium per annum of Rs 100/-
437 illnesses are divided into six groups which
Features
are kidney, cardiovascular, cancer, burns, neo-
Offers health insurance cover up to 2lakh and natal and neurological conditions
free treatment
Provides medical treatment for 1044 health NAGAR UDAY SCHEME (NUS)
and
The new Married couple either the wife or Launched: 25th December, 2016, on the birthday of
husband belongs to other state can be former Prime Minister Atal Bihari Vajpayee
registered under one family by paying the

Launched by: Chief Minister of Madhya Pradesh
entire annual premium.
Shivraj Singh Chouhan.
People can resister for this scheme at any of
Aim: To assess service being provided to citizens
the Mee Seva centers till 28th February, 2017.
and bring them at standard life.
DIGI-LOCKER SCHEME
Features
Launched: 1 July 2015
To inform lower income class people about
Aim: To provide a secure storage of documents in
public welfare scheme and provide benefit.
digital form.I
flagged off Uday Abhijan Rath and 51 e
Features rickshaws.
Helpful in sharing the e-documents through

VOLUNTARY DISCLOSURE AND SURCHARGE WAVIER
the registered repositories,
SCHEME
Digital document contains the URLS of the
documents issued by the government agencies
Launched: 19th November, 2016 by Haryana
or any other entities. Uploaded documents
Government
contain all the documents uploaded by the
user,each not exceeding 10 mb of space Aim: For declaring tampered or defective meters for
all category of consumer having sanctioned load up
ATAL AMRIT ABHIYAN (AAA) to 5KW and for small domestic and non-domestic
consumers having sanctioned load up to 2 KW in
Launched: 25 December 2016 on 92nd birth rural areas.
anniversary of Atal Bihari Vajpayee
Aim: To provide health insurance against 437
Features
illnesses including 5 critical diseases.
Applicable to only those consumers falling in
Features
the aforesaid three categories, who were in
The scheme will roll out from 1 April, 2017. default as on 30th September, 2016
To replace old meters with a new electronic Launched: September 8 2016 by CBDT.
meter within three days.
Aim: To reduce the forged cases on tax evasions &
No checking during the period of operation of
to provide assistance through electronic media.
the scheme for consumers having load up to
5KW.
Features
BARISTHA BUNKAR SAHAYATA YOJANA (BBSY)
Works will be done under paperless
Launched: 7th August, 2016 by Odisha Government environment under the eyes of an assessment
Aim: All weavers within age of 60 years would get a officer of IT department.
monthly pension of 500 rupees per month. Everyone will be able to track their complaint
and get a solution on the real-time basis.
Features A separate and dedicated window for
Weavers above age of 80 years would get 700 grievance redressal in the Income Tax Business
rupees per month. Application
Weavers within age of 60 years would get a

monthly pension of 500 rupees
MISSION BHAGIRATHA: SAFE DRINKING WATER SCHEME
PRADHAN MANTRI ZERO DEFICIT ZERO EFFECT SCHEME

Launch: August 7, 2016 in Telangana
(ZED)
Aim: To provide safe drinking water to everyone in

Launched: 2016 by Prime minister Narendra Modi.
the State through dedicated water pipeline
The scheme is launched
channels in the state.
Aim: To suppress the bad effect of products on

Features
environment.
The state government has designed a water
grid project to provide a sustainable and
Features: durable solution to the problem of safe
Micro Small and Medium Enterprises drinking water.
companies which follows the guidelines set by Mission Bhagiratha will provide 100 litres &
ZED and meet the standards set by the ZED 150 litres of clean drinking water per person in
will be awarded ZED certification along with rural households and in urban households
various benefits. respectively.
More emphasis on producing items that have

KAYAKALP AWARD SCHEME
Zero Deficits so as to achieve the quality
To encourage a sustainable environment &
Launched: 15th May 2015 by Ministry of Health And
development
Family Welfare
E-NIRVAN: ONLINE TAX RELATED GRIEVANCE SCHEME Aim
More than 2 Crore houses to be built among

which 1 crore houses are to be built by 2019.
To promote cleanliness and enhance the
Ministry of Housing and Urban Poverty
quality of public health facilities in Hospitals,
alleviation (HUPA) is the nodal agency.
Clinics, Public Space,
It has a cost of 1.25 lakhs per unit.
To incentivize and recognise such public
The houses constructed under PMAY will be in
healthcare facilities that show exemplary
accordance with Going Green concept.
performance in adhering to standard
protocols of cleanliness and infection control.
UJALA (UNNAT JYOTI BY AFFORDABLE LEDS FOR ALL)
Features:
Few parameters on which the performance of Launched: 1st May 2015 by Piyush Goyal
Health Facilities Centre would be judged are Aim: It aims at replacing 77 crores of incandescent
as Hospital or Facility Upkeep, Sanitation and lamps with LEDs which are much more energy
hygiene, Waste Management, Infection saving.
control, Support Services, Hygiene Promotion

Features
PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY) Domestic Efficient Lighting Program (DELP)
has come up with this new UJALA scheme.
Launched: 13th January 2016 by Government of EESL (Energy Efficient Services Limited) has
India implemented the UJALA scheme.
Aim: To provide insurance coverage and financial
support to the farmers in the event of failure of any LALIMA ABHIYAN
of the notified crop as a result of natural calamities,
pests & diseases. Launched: November 1 2016 by CM of Madhya
Pradesh Shivraj Singh Chauhan
Features:
Aim: To make the Madhya Pradesh anaemia free
It replaced the National Agriculture Insurance
Scheme (NAIS) and modified NAIS.
Covers nearly 50 percent of the total cropped Features
area in our country in the next three years
Iron folic acid tablets will be provided free in
Offers a uniform premium rate of 2 percent for
aaganwadis, hospitals and academic
kharif crops and 1.5 percent for Rabi crops.
institutions.
Ferrous escorbate tablets will be distributed by
PRADHAN MANTRI AWAS YOJANA (PMAY)
the health minister JP Nadda.
Launched: 25 th June 2015.

Aim: Provide affordable houses to Indian citizen
KALINGA SHIKSHA SATHI YOJANA (KSSY)
Features:
Launched: 27th June 2016 by Chief Minister of vendors, rickshaw-pullers and students and working
Orissa Mr. Naveen Patnaik women
Aim:
To reduce the financial stress of the parents Features

facing hardship in paying high rate of interest
People will be provided breakfast at Rs. 5 and
of educational loans
nutritious will be provided at Rs. 8.
Provide the education loan at only 1% interest
The scheme is implemented in 12 districts
rates
including Jaipur, Jodhpur, Kota, Ajmer, Bikaner,
Features
Udaipur, Bharatpur and many other districts
The loan facility will be given to the students along with Rajes constituency Jhalawar.
on the basis of their merit and the total annual The skilled will prepare meals with their gloves,
income of their family. head-masks and aprons on.
Release the financial burden from the
shoulders of the parents of the aspiring NIRAMAYA HEALTH INSURANCE
students.
The Odisha government is allotted the budget Launched: October 2016
for this scheme is nearly 500 crore from its Implemented & monitored by: National Trust with
own resources. the active participation of the Local Level
Committees (LLC).
SOVEREIGN GOLD SCHEME Aim: To enable and empower persons with disability
to live as independently and as fully as possible,
Launched: Budget session 2016 health services and their access to persons with
Aim: To reduce the demand of physical gold thus disabilities assume a very significant role.
keeping a tab on gold imports and utilising
Features
resources effectively.
Scheme available all over India except J&K
Features
Insurance cover of up to 1 lac to PwDs
On gold bond maturity, redemption will be PwDs with disabilities under the National Trust
made in Rupee only Act are eligible
Price of gold bond will vary with the market
prices of gold SWAVLAMBAN HEALTH INSURANCE SCHEME
RBI has fixed tenor of the bond from 5 to 7
years to protect the investors from medium Launched: 2nd October 2015
term volatility. Implementing agency: New India Assurance
Company
ANNAPURNA RASOI YOJANA Aim: To provide affordable health facilities
launched: December 15, 2016 by Rajasthans Chief

Features
Minister Vasundhara Raje Annapurna
Aim: To provide nutritious food to street-dwellers,
Uniform premium of 357 rupees per PwD OPD benefits include 10000 p.a per PwD and
person through out the country 3000 p.a for mentally retarded people
Sum insured is 2 lacs for a year and will cover No premedical tests involved
PwDs in the age group of 0 to 65 years Swavlamban excludes people with autism,
cerebral palsy and Multiple disabilitie
UDAAN Scheme: All You Need To Know

Introduction First, operators submit their proposals to
implementing agencies
UDAN is a regional connectivity scheme to
Operators selected through competitive
promote the aviation sector
bidding process
Tag line of the scheme is Ude Desh Ka Aam
Reverse bidding adopted to select the lowest
Naagrik
VGF quote
Launched by PM Mr. Modi
Regional connectivity fund (RCF) created to
meet VGF under UDAN
UDAN Coverage
RCF levy for domestic flights from the states is
UDAN applicable on all flights covering a fixed at 20%
distance between 200 KM and 800 KM Financial stimulus in the way of Central and
UDAN seats are available at subsidized rates State government concessions, tax
Minimum seats per carrier is 9 and maximum concessions
is 40 per carrier Exemptions given on landing and parking
There is no lower limit set for remote, hilly, charges for airlines under UDAN
security and island regions Funding support given for first three years of
UDAN caps the fare for short distance flights operation only
Geographical means of coverage viz. North
East, North, South, West and East Limitations
Airports selection under UDAN operations
Airlines is a luxury product and often seen as
would be done with the consultation of the
alienated from common man
state government
UDAN tries to break this idea but the subsidies
Accordingly concessions would be made
given under UDAN will be a burden to
available under UDAN
Government
Most of the un served and under served
No mechanism to monitor the beneficiaries of
airports would be covered under UDAN
UDAN
Tenure of UDAN scheme is fixed at ten years
Regional connectivity would increase but
Funding
already the existing airlines are operating
Viability Gap Funding (VGF) provided to flights with more passengers and exceeding
airlines to kick off operations under UDAN their quota of regional connectivity
keeping passenger fares affordable UDAN finances and supports airlines only for
Market based model will be followed for VGF three years under the perception that within
three years the routes will become The scheme aims to impart life skills in to the
sustainable children studying in government schools
It does not consider the hike in fuel cost within The scheme is launched under Sarva Shiksha
these three years Abhiyan
Airlines high levy of ATF tax is an area of
concern Nodal Agency
Increase in air traffic due to UDAN may cause
Ministry of HRD
environmental hazards in the form of air
Department of School Education and Literacy
pollution
About Vidyanjali Scheme

Way Forward
The scheme is started across 21 states in the
UDAN would help in reviving existing airports
initial phase
and air strips
2200 schools are selected
Employment would be generated
Target is to cover the entire government
Indian Economy would see a boost
schools in India in a gradual manner
The scheme ensures growth, affordability,
The scheme aims to impart skills apart from
development and connectivity
academics
Business would enhance with quick movement
The volunteers selected for the scheme will not
of goods and export products
replace the already existing staff in the
Remote areas would get developed
government schools
Commerce, tourism and trade would enhance
The scheme will be a value addition to the
New form of air transport in the form of small
conventional teaching program in schools
aircrafts and helicopters would increase
connectivity
Vidyanjali Scheme Skill Training services
Start up airlines will increase with new
opportunities in aviation sector Vidyanjali scheme helps in the overall child
Incumbent airlines will get more passengers development through developing their skills in the
and new routes following areas
Overall, common man will get to enjoy the
Music
luxury of air transport at affordable rates
Writing
under UDAN scheme
Public speaking
Vidyanjali Scheme: School Volunteer Program: Key Creative skills
Points Dance
Other soft skills
Introduction
Vidyanjali scheme is the means of providing How to apply?

volunteer teachers to government run schools
Volunteers willing to teach in government
It is aimed at promoting the government
schools can apply at www.mygov.in
education system through skill development
This government portal has all the criteria The quality of skill training will be high with
listed to become a volunteer teacher under enthusiastic volunteers
Vidyanjali scheme The scheme will help in the personality
Volunteers must fill the online application and development of the child as a whole
submit in the online portal The scheme would impart life skills in the early
Eligibility Criteria childhood itself
Government schools will get an uplift as a
There are no qualification needed to become a
result of the scheme
volunteer in the scheme
Enrollment in government schools is likely to
Preference will be given to experienced
go up
persons if applications are many
This scheme is seen as a roadmap for child
Community power is being tapped by this
development where school education has not
scheme
made any inroads so far
Retired professionals are most welcome
Conclusion
House wives with graduate degree
Graduates Vidyanjali scheme is seen as an innovative
Foreign nationals are also allowed to measure to improve the quality of education in
participate in the scheme government schools
OCI card is a must to have in case of foreign The scheme is a value addition program with
nationals the participation of like minded people lying
The applications received from the volunteers crucial in the success of the program
are scrutinized by the respective Block The scheme is seen as skill development
Development Officer (BDO) training at the grass roots level from the early
Final selection is made by BDO and volunteers childhood
are directed to the respective schools Overall, Vidyanjali is a novel and unique
Significance of Vidyanjali Scheme literacy scheme launched by Government of
India with long term implications
Volunteers of the scheme do not get any
monetary compensation
This ensures that only people with service
mind volunteer for the scheme
SWAYAM Scheme: Important Things to Know

In this platform a person can choose from
WHAT IS SWAYAM?
hundreds of courses which are generally
It is an MOOC (Massive Open Online Courses) taught at the university, college and school
platform. level.
SWAYAM is an instrument for self- The courses shall be offered by best teachers
actualization providing opportunities for a life- in India and elsewhere.
long learning. This is done through an indigenous developed

IT platform that facilitates hosting of all the
courses from class IX till post-graduation to be principles of Education Policy - access, equity
accessed by anyone at any time. and quality.
All the courses are interactive and are free of The objective of this effort is to take the best
cost to the residents in India. More than 1,000 teaching learning resources to all, including
specially chosen faculty and teachers from the most disadvantaged.
across the Country have participated in This initiative aims to join the gap for people
preparing these courses. who are still far from enjoying the fruits of
A student studying in a college can transfer digitization and those who have not joined the
the credits earned by taking these courses into mainstream of the knowledge economy.
their academic record. If you are working or in
school, SWAYAM presents a unique COURSES
educational opportunity to expand the
horizons of knowledge. The courses on this platform will be in 4 parts
Professors of centrally funded institutions like Video lecture, specially prepared reading
IITs, IIMs, central universities will offer online material (downloadable/printable), Self-
courses to citizens of India. assessment tests through tests and quizzes
All courses would be offered free of cost under and an online discussion forum for clearing the
this programme however fees would be levied doubts.
in case learner requires certificate. Steps have been taken to enrich the learning
experience by using audio-video and multi-
AIM media and state of the art pedagogy /
technology.
This programme has been started by GOI and
is set up to achieve the three cardinal
E-Paathshala: Service To Higher Education Institute: Key Points

ACCREDITATION: Increase in students admission rate
External body to check the services and

ADVANTAGES OF ERP TECHNOLOGY:
functions of any higher educational institution
like colleges and universities. ERP- Enterprise resource planning, is a
The external body will set some standards management software to do all the functions
which the educational institutions should of an organisation as single integrated unit.
meet. It reports the gap and recommendations to
If they meet the required standard, improve the organisation to get better grade
accreditation status is given. for accreditation.
It also suggests the methods like how to
ADVANTAGES OF MULTIPLE ACCREDITATION: improve the standard of the institution to
global level.
Rise the education standards to global level.
It improves the efficiency and transparency of
High funding
an institution.
It reduces manual work and time. It has external quality Assurance team to do
Academic Audit, Administrative Audit, Green
HOW THEY PRODUCE SOLUTIONS: Audit, Gender Audit and Academic roadmap
with prospective plans.
Accreditation management.
It provides both the software and
Admission management.
consultancy.
Accounting management.
It also provides IQAC (Internal Quality
Students management.
Assurance Cell) help to IQAC workflow and
Learning management.
document verification service for
Library management etc.,
accreditation.
The single software ERP does all the above works. It
compiles the datas quickly and tells what to be
done to improve the present standard to
accreditation standard. NOTE: IQAC is a committee, where the committee
members are the members of the institution to
E-PAATHSALA- A START-UP COMPANY:
represent the institution goal, progress in
Headquarters: Bangalore education, steps taken to improve the standard and
Director and Founder: Suman Nandy the required documents to show what steps have
taken and the results to the Accreditation Council.
WORK OF E-PAATHSALA:
The Head of the IQAC plays the major role in
It helps the institution to get multiple representing the institution to the Accreditation
accreditation and prepare the institution for Council Members.
multiple accreditation.
Pradhan Mantri Jan Aushadhi Yojana: Important points to Know

Introduction known as Jan Aushadhi Scheme. It was launched in
2008 and the 1st Jan Aushadhi Store was opened at
Pradhan Mantri Jan Aushadhi Yojna (PMJAY)
Amritsar Civil Hospital in 2008.
launched in October 2015, to provide quality
generic medicines at very cheap prices so that it will Generic Drugs:
be affordable to the masses through dedicated
It is basically a chemical name of drugs. Those
outlets. The primary aim of this scheme was to
drugs which are identical in terms of dosage,
target the poor and disadvantaged section of the
strength, quality, effective performance and
society who cannot afford to buy high cost drugs
intended use with the branded drugs are known as
for their treatment. Under PMJAY low cost generic
generic drugs. The pharmacological effects are
drugs are provided to all through exclusive outlets
same as that of their brand name counterparts.
Jan Aushadhi Medical Stores so as to reduce the
Generic drugs are available at very cheap price as
pocket expenses in healthcare.
compared to the branded drugs with same
This initiative was taken by Department of
performance.
Pharmaceuticals in association with Ministry of
Chemical and Fertilizers. Formerly this scheme was
Objective: Any Non-Governmental Organisation, Co-

operative Society, Charitable Institutions,
To bring down the healthcare expenses of every
Private Hospitals and Self Help Groups can
citizen of India through providing quality medicines
easily open Jan Aushadhi Stores by following
at affordable prices and also to create awareness
the guidelines as notified by the government.
among the people about the importance and usage
Government also provide one-time financial
of generic drugs.
assistance of 2lakh for establishment and
Mission: 50,000 as one time start-up cost for
purchasing computer and other infrastructure
To create awareness among the people
support.
regarding generic drugs and also encourage
them for using this.
How many drugs are covered under PMJAY?
To create the demand for generic drugs
At present 700 types of medicines are covered
through private medical practitioners.
under this scheme.
Creating awareness that high price need not
be synonymous with the good quality. Challenges in implementation:
All commonly used generic drugs to be
Prescription problems Generally Doctors
provided.
dont prescribe the generic drugs.
To make available more than 500 types of
Also if a doctor prescribes a branded drug and
drugs.
Jan Aushadhi Store (JAS) gives a generic drug
Now a days a total of 708 Jan Aushadhi Stores
equivalent to the branded one, it is technically
are opened under this scheme in 26 states, out
against the law.
of which maximum number of stores is in Uttar
Non availability of all types of drugs covered
Pradesh (102).
under PMJAY at the JAS.
Who can Open Jan Aushadhi Store?
Chief Minister Samagra Gramya Unnayan yojana (CMSGUY)-Key

Points
INTRODUCTION: Aim of the Scheme
The Chief Minister Samagra Gramya Unnayan The Chief Minister Gramya Unnayan Yojana
Yojana (CMSGUY) has been launched by Chief (CMSGUY) schemes main aim is to bring a
Minister of Assam; Mr. Sarbananda Sonowal in a revolutionary change by doubling the farm income
function held at Sri Madhavdev International by 2022 in the state of Assam to mark the 75th
Auditorium of Srimantha Sankardev Kalakshetra in Anniversary of Indias Independence which will
Guwahati on 05-Feb-2017.Its main objective is to happen in 2021-22.
develop all the villages in Assam in the next five The total financial outlay of scheme is Rs. 30,000
years. Crore. The scheme will be implemented in phased
routine in the villages of Assam till the year 2021-
22.
About Samagra Gramya Unnayan Yojana:- various missions of the programme. These five
teams will prepare development plans, which
As per the state Assessment survey i.e., survey
are going to be implemented in each village.
period from 2002-03 to 2012-13, the farm
Under the scheme, a Village Knowledge
income in the state of Assam was recorded
Centre will be set up in every village. This will
merely 0.88% as against National Average of
help to bring cooperation b/w the scheme &
5.2%.
Mahatma Gandhi National Rural Employee
The scheme will be implemented through a
Guarantee Act (MGNREGA) & playground will
Saturation Model. This will be covering each
be built in each village.
revenue village through focused interventions
Overall requirement for the mission is Rs.
in direct economic activities, logistic support
30,000 Crore for a period of 5 years. For this
including market linkages & community
year, an amount of Rs.500 Crore was provided
support.
in 2016-17 years budget & this sum has been
The scheme will put rigorous efforts to
handed over to Sarbananda Sonowal, the
stimulate the productivity of the rural areas by
chairman of Mega Mission society, constituted
enabling enormous investments for complete
for the implementation of the project by
rural transformation in a span of five years.
states finance minister Dr. Himanta Biswa
In this Scheme, five teams will be created in
Sarma.
each block to work as a catalyst to implement
Prime Minister Gramin Digital Saksharta Abhiyan: Key Points to

Remember
Introduction BUDGET ALLOCATED
Rs. 2,351.38 crores
In the Union Cabinet meeting chaired by our Prime
Minister, Mr. Narendra Modi, (PMGDISHA) got a go OBJECTIVES
ahead and it aims at providing digital literacy to 6
For providing digital literacy to the rural
crore rural households. The mission was announced
citizens of our country
by finance minister, Mr. Arun Jaitley in the Union
To widen the use of cashless transactions with
Budget 2016-17 and falls under Digital India
the help of smart phones
programme. For increasing the outreach of the
Focus on Digital Wallets, UPI(Unified Payment
mission, 250,000 gram panchayats would give
Interface), mobile banking, USSD(Unstructured
names of 200-300 candidates on an average. Only
Supplementary Service Data) and
6% rural households have a computer according to
AEPS(Aadhaar Enabled Payment System)
the 71st National Sample Survey Organisation
(NSSO) conducted in 2014. This indicates around 15
crore rural households do not have computers and
hence it is significant that they are digitally CHARACTERISTICS
illiterate.
This mission will make an individual trained to
operate computers
The individual will be able to do cashless ADVANTAGES

transactions with ease
It will make lakhs of rural people, digitally
He/she will be able to use smartphones and
literate
tablets properly
It will provide confidence and power to
He/she will be able to send and receive e-
digitally illiterate by imparting knowledge
mails
about the operation of computers
He/she will be able to derive benefits from
It will teach them how to do cashless
various government schemes
transactions, which is a huge step in making
MINISTRY-
India, a cashless economy
Ministry of Electronics and IT along with State It will provide them social, economical and
and Union Territories by designated State cultural advantages.
Implementing Agencies and DeGS (District e- It will create opportunities for the rural youth
Governance Society) Candidates will be able to use the internet will
offers the widest arrays of information
PHASES Conclusion
PHASE 1: 25 lakh candidates will be given Hence, it is a great scheme for improving digital
training in financial year 2016-17 literacy of the rural population of our country and it
PHASE 2: 275 lakh will be given training in would immensely help people in becoming cashless
financial year 2017-18 and also teaching others to become cashless too.
PHASE 3: 300 lakh candidates be given So many cashless schemes are introduced in the
training in financial year 2018-19 country and to access those schemes properly, this
mission can contribute hugely.
Attracting and Retaining Youth in Agriculture (ARYA) Scheme

But, the majority of the farmers dont want
INTRODUCTION:
their next generation to continue with their
India is primarily an agricultural country where traditional profession, because of low income
more than 50% of the population is involved in from agriculture and poor quality of life in
agricultural activities. rural areas.
However climatic changes, frequent drought Head of National commission on farmers,
and floods makes agriculture extremely risky. scientist and father of Indias green
Youth are the primary productive human revolution, M S Swaminathan, says The
resource of socio-economic development. youth can be attracted to and retained in
Youth minds are creative and they are capable farming only if it becomes economically
of handling risk factors such as monsoon rewarding and intellectually satisfying.
management, climatic change adaptation and Therefore the government has taken a number
poverty in an efficient way, using various of steps like Farmers FIRST, Student READY,
technologies. ARYA etc, to attract youth to enter into

agricultural activities.
ATTRACTING AND RETAINING YOUTH IN AGRICULTURE Identify the barren land on respective villages
(ARYA): and promote farmers to grow pulse on them.
To promote farmers to grow something else
The new scheme ARYA has recently been after harvesting paddy.
launched by the Indian Council of Agricultural To inspire farmers to use fertilisers as per Soil
Research (ICRA). Health Card.
This program is planned to be To propagate the use of neem coated urea.
implemented through Krishi Vigyan To promote farmers for agriculture of rabbi.
Kendras (KVK-Farm science centres) in 25 To inspire farmers for Prime Minister Crop
states of our country. Insurance Scheme.
Each KVK would train about 200 to 300 youth To register farmers on Farmer Portal.
in taking up agricultures allied and To provide farmers new technology by
supplementary activities such as poultry telephoning Kisan Call Center.
farming, dairying, fisheries, goat rearing, To promote seed treatment.
mushroom production and other similar
activities which keep the rural youth attached AMATHON -2016:
to agriculture, either directly or indirectly.
Finally, the trained young entrepreneurs would The AMATHON was a three-day International
be assisted in preparing project reports for Agricultural Trade Summit, held at IIM
seeking bank loans. Ahmedabad from 15 to 17 , in the month of
January 2016.
ARYA IN JHARKHAND: Agricultural Minister, Radha Mohan Singh said
the following while addressing the AMATHON,
Raghubar Das, CM of Jharkhand has planned 1. Agriculture is being developed as one of the
to launch ARYA scheme in the state. sustainable occupation and profitable by increasing
The main objective of the ARYA scheme will be its production, entrepreneurship, and crop
to promote the green revolution in the state. innovations.
Under the ARYA scheme, the state 2. According to National Sample Survey,
government will attract rural youth in approximately 90 % farmers possess agricultural
agricultural activities by making them skilled land less than 2 hectares, out of which 42% farmers
and make the state self-dependent in have taken loans from banks and 26% are still
agriculture. dependent on money lenders.
Under the scheme, Agriculture Technology 3. Due to unpredictable climatic changes and lack
Management and Training (ATMA) will provide of decent prices for farm producers, farmers are in
training to the rural youth. the stressful situation and rural youths are not
From each village, 2 youths will be selected taking interest in farming.
and trained on how to make proper use of 4. So, Government has launched various schemes
barren and uncultivated land. for agriculture development.
ACTIVITIES PERFORMED BY TRAINED YOUTH: Advantages:
Improves Agro- productivity in the country.

Controls rural migration of Youth.
Income of rural youth become sustainable and
meaningful.
Develops service sector in the rural area.
Business and Entrepreneurial skills of youth
get developed.
Disadvantage:
Youth would remain confined to rural areas.

Conclusion:
Agriculture is the backbone of India.

ARYA scheme has all the potential to keep the
educated youth within the rural areas.
However, its success depends upon the
improvement in the quality life of the rural
area.

Govt. Schemes 2016-17

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Govt. Schemes 2016-17

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Government Schemes

Summary of all Government schemes launched in India during 2016-17

Deen Dayal Antyodaya ............................................................................................................................................................... 3

Start Up Village Entrepreneurship Programme ..................................................................................................................... 3

Rural Self-employment training Institute ................................................................................................................................ 4

Kayakalp - Award Scheme: All You Need To Know ............................................................................................................... 4

Deen Dayal Upadhyay Grameen Kaushal Yojana ................................................................................................................. 6

Important Sectors focused by DDUGKY .................................................................................................................................. 6

E-Nivaran : Online Tax-Related Grievance Redressal Scheme ............................................................................................ 8

Pradhan Mantri Surakshit Matritva Abhiyan ......................................................................................................................... 9

Skill India Mission: All You Need To Know ............................................................................................................................. 11

Pradhan Mantri Zero Deficit Zero Effect Scheme: Explained ............................................................................................ 12

Baristha Bunkar Sahayata Yojana: Explained ...................................................................................................................... 13

Pradhan Mantri Vittiya Saksharta Abhiyan .......................................................................................................................... 15

Pradhan Mantri Kaushal Vikas Yojana .................................................................................................................................. 16

Technology Acquisition and Development Fund .................................................................................................................. 18

Better Than Cash Alliance Network ....................................................................................................................................... 19

Sovereign Gold Bonds Scheme ................................................................................................................................................ 20

Kalinga Shiksha Sathi Yojana .................................................................................................................................................. 22

Pradhan Mantri Yuva Yojana ................................................................................................................................................... 23

Kisan Credit Cards ..................................................................................................................................................................... 25

Top Banks Providing Kisan Credit Card in India .................................................................................................................. 27

Digi Dhan Vyapar Yojana: Key Points To Know ................................................................................................................... 27

4 Projects Under Nava Kerala Mission .................................................................................................................................. 28

Lucky Grahak Yojana by NITI Ayog ........................................................................................................................................ 30

MCLR : Marginal Cost of Funds Based Lending Rate- Explained ..................................................................................... 31

Aadhaar Enabled Payment System (AEPS) : At a Glance ................................................................................................... 32

Vasundhara Raje's Annapurna Rasoi Yojna ......................................................................................................................... 35

4 Insurance Schemes Launched for People with Disabilities (PwD) ................................................................................. 35

Swavlamban Health Insurance Scheme: All You Need To Know ...................................................................................... 37

Key Points Of Project Saksham for CBEC .............................................................................................................................. 38

Mission Bhagiratha : Safe Drinking Water Scheme - Explained ....................................................................................... 40

Various Skill Development Schemes for Minorities ............................................................................................................. 41

Voluntary Disclosure and Surcharge Waiver Scheme: Key Features ............................................................................... 42

Swachh Swasth Sarvatra Abhiyan: All You Need To Know ................................................................................................ 44

Nagar Uday Scheme: All You Need To Know ....................................................................................................................... 47

National Skill Development Mission (NSDM): Explaine ...................................................................................................... 48

Atal Amrit Abhiyan - Health Insurance Scheme in Assam ................................................................................................. 50

National Youth Policy - Explained ........................................................................................................................................... 51

Urja Ganga Yojana: All You Need To Know .......................................................................................................................... 52

Pradhan Mantri Ujjwala Yojana: All You Need To Know .................................................................................................... 55

National Apprenticeship Promotion Scheme: Explained .................................................................................................... 56

Deendayal Upadhyay Swaniyojan Yojana: Explained ......................................................................................................... 58

Suryamitra Skill Development Program: Explained ............................................................................................................. 59

Pravasi Kaushal Vikas Yojana: All You Need To Know ........................................................................................................ 60

Skill Banks: All You Need To Know.......................................................................................................................................... 61

Nayi Manzil Scheme: All You Need To Know ........................................................................................................................ 63

DeenDayal Upadhayaya Gram Jyoti Yojana: Key Points .................................................................................................... 64

Digi-Locker Scheme: All You Need To Know ......................................................................................................................... 65

NTR Arogya Raksha Scheme: Explained................................................................................................................................ 66

Shyam Prasad Mukharjee Rurban Mission: Key Points ...................................................................................................... 68

INSPIRE: Innovation in Science Pursuit for Inspired Research Program ......................................................................... 69

List of Government Schemes in India 2016-17 .................................................................................................................... 70

UDAAN Scheme: All You Need To Know ................................................................................................................................ 77

Vidyanjali Scheme: School Volunteer Program: Key Points ............................................................................................... 78

SWAYAM Scheme: Important Things to Know ..................................................................................................................... 79

E-Paathshala: Service To Higher Education Institute: Key Points..................................................................................... 80

Pradhan Mantri Jan Aushadhi Yojana: Important points to Know .................................................................................. 81

Chief Minister Samagra Gramya Unnayan yojana (CMSGUY)-Key Points ...................................................................... 82

Attracting and Retaining Youth in Agriculture (ARYA) Scheme ........................................................................................ 84

Deen Dayal Antyodaya

Recently celebrated the 10th year of inception

Start Up Village Entrepreneurship Programme

Start Up Village Entrepreneurship Programme Ministry of Rural Development (MoRD)