50 high-yield Government Schemes for UPSC. Each entry includes launch year, implementing ministry, objective, key features, target beneficiaries, and recent updates/notes. Dates and details are provided for exam-oriented revision.
1. Pradhan Mantri Fasal Bima Yojana (PMFBY)
Launch Year: 2016
Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare
Objective: Provide insurance coverage and financial support to farmers in the event of crop failure due to natural calamities, pests and diseases; stabilise farmer income.
Key Features:
- Uniform farmer premium: Kharif 2%, Rabi 1.5%, Commercial/Annual Horticulture 5% (balance premium subsidised)
- Covers pre-sowing to post-harvest losses; localized calamities
- Technology use: remote sensing, drones, GPS for yield estimation and claims
- Voluntary enrolment; cluster-based bidding for insurers (as per revised guidelines)
Target Beneficiaries: All farmers growing notified crops in notified areas (tenant/sharecroppers eligible as per state notification).
Recent Updates/Notes: Operational guidelines revised (notified in 2020 onwards) to improve transparency, timely claim settlement and farmer awareness.
2. Pradhan Mantri Krishi Sinchai Yojana (PMKSY)
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Jal Shakti; Ministry of Agriculture & Farmers’ Welfare; Ministry of Rural Development (convergence)
Objective: Expand cultivable area under assured irrigation, improve on-farm water use efficiency, and promote micro‑irrigation.
Key Features:
- Components: Accelerated Irrigation Benefits Programme (AIBP), Har Khet Ko Pani, Watershed Development, Per Drop More Crop
- Focus on micro‑irrigation (drip/sprinkler) with subsidies
- Convergence of schemes and decadal planning by states
Target Beneficiaries: Farmers and water-stressed regions across India.
Recent Updates/Notes: Extended with continued focus on micro‑irrigation and completion of priority projects.
3. Soil Health Card Scheme
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare
Objective: Provide soil health cards with nutrient status and fertiliser recommendations to promote balanced fertilisation and higher productivity.
Key Features:
- Soil samples tested for key parameters (pH, EC, organic carbon, NPK, micronutrients)
- Cards issued every 2 years; fertiliser use advisories
- Strengthening soil testing labs and mobile labs
Target Beneficiaries: All farmers.
Recent Updates/Notes: Ongoing awareness and lab capacity enhancement; integration with digital platforms for advisories.
4. National Agriculture Market (e‑NAM)
Launch Year: 2016
Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare
Objective: Create a pan‑India electronic trading portal to integrate APMC mandis for transparent price discovery and better market access.
Key Features:
- Online auctioning, assaying, quality-based bidding
- Unified licences within a state; interoperable payment/settlement
- Logistics modules and warehouse-based trading introduced progressively
Target Beneficiaries: Farmers, traders, FPOs and agri‑value chain participants.
Recent Updates/Notes: More mandis onboarded; integration with warehouses and FPO trading interfaces continues.
5. Rashtriya Krishi Vikas Yojana (RKVY – RAFTAAR)
Launch Year: 2007 (revamped 2017 as RAFTAAR)
Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare
Objective: Ensure holistic agricultural development by incentivising states to increase public investment; support agri‑startups and value addition.
Key Features:
- State plans aligned with district/agro‑climatic needs
- Incubation and funding support for agri‑startups
- Flexi‑funds for innovation and infrastructure
Target Beneficiaries: State agriculture departments, farmers, agri‑entrepreneurs.
Recent Updates/Notes: Continues under revamped components emphasising innovation and entrepreneurship.
6. Paramparagat Krishi Vikas Yojana (PKVY)
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare
Objective: Promote cluster‑based organic farming to reduce chemical inputs and improve soil health.
Key Features:
- Cluster approach (20 ha per cluster) with PGS‑India certification
- Financial assistance for organic inputs and value addition
- Farmer training and market linkages
Target Beneficiaries: Farmers adopting organic practices; FPOs.
Recent Updates/Notes: Support aligned with National Mission on Organic Farming and market access initiatives.
7. Kisan Credit Card (KCC) Scheme
Launch Year: 1998 (expansions thereafter)
Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance (with Agriculture Ministry convergence)
Objective: Provide timely and affordable credit for cultivation, allied activities and consumption needs; now extended to livestock and fisheries.
Key Features:
- Flexible revolving credit with simplified documentation
- Interest subvention/Prompt Repayment Incentive as notified
- Coverage extended to dairy, fisheries and allied sectors
Target Beneficiaries: Small and marginal farmers, sharecroppers/tenant farmers, fishers and dairy farmers.
Recent Updates/Notes: Special drives for KCC saturation in PM‑KISAN and allied sectors.
8. National Mission for Sustainable Agriculture (NMSA)
Launch Year: 2014
Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare
Objective: Promote climate‑resilient agriculture through soil and water conservation, rain‑fed area development and climate services.
Key Features:
- Rainfed Area Development, On‑Farm Water Management
- Agromet services and climate adaptation practices
- Support for conservation agriculture and resilient varieties
Target Beneficiaries: Farmers in climate‑vulnerable and rainfed regions.
Recent Updates/Notes: Activities aligned with National Action Plan on Climate Change and state action plans.
9. Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
Launch Year: 2005 (implemented 2006)
Implementing Ministry/Agency: Ministry of Rural Development
Objective: Provide at least 100 days of wage employment to every rural household willing to do unskilled manual work; create durable assets.
Key Features:
- Rights‑based, demand‑driven programme with legal entitlements
- Social audits and transparency provisions
- Focus on water conservation, land development, and rural infrastructure
Target Beneficiaries: Rural households seeking wage employment.
Recent Updates/Notes: Wage rates revised annually; emphasis on timely payments and asset quality.
10. Pradhan Mantri Gram Sadak Yojana (PMGSY)
Launch Year: 2000
Implementing Ministry/Agency: Ministry of Rural Development
Objective: Provide all‑weather road connectivity to unconnected habitations in rural areas.
Key Features:
- Core Network approach with quality monitoring (SQM/NQM)
- Upgradation of existing rural roads under later phases
- Use of green technologies and geo‑tagging
Target Beneficiaries: Rural population, especially in remote/left‑out habitations.
Recent Updates/Notes: Ongoing phases target last‑mile connectivity and road upgradation.
11. National Rural Livelihood Mission (NRLM) – Aajeevika / DAY‑NRLM
Launch Year: 2011
Implementing Ministry/Agency: Ministry of Rural Development
Objective: Reduce poverty by promoting diversified and gainful self‑employment through SHGs and federations.
Key Features:
- Formation of women SHGs and community institutions
- Financial inclusion, interest subvention, livelihood diversification
- Community resource persons and capacity building
Target Beneficiaries: Rural poor households, especially women.
Recent Updates/Notes: Expanded coverage; convergence with skills and social development programmes.
12. Sansad Adarsh Gram Yojana (SAGY)
Launch Year: 2014
Implementing Ministry/Agency: Ministry of Rural Development
Objective: Develop model villages through convergence and MP leadership for holistic development.
Key Features:
- Adoption of Gram Panchayats by Members of Parliament
- Focus on social, economic and infrastructure development
- Best‑practice replication and community participation
Target Beneficiaries: Selected Gram Panchayats and residents.
Recent Updates/Notes: Implementation continues through convergence with multiple schemes.
13. Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU‑GKY)
Launch Year: 2014
Implementing Ministry/Agency: Ministry of Rural Development
Objective: Skill development and placement for rural youth (15–35, relaxed for special groups).
Key Features:
- Demand‑led skilling with industry partnerships
- Placement‑linked outcomes and post‑placement support
- Focus on socially disadvantaged groups and poor districts
Target Beneficiaries: Rural youth from poor households.
Recent Updates/Notes: Alignment with National Skill Qualification Framework and industry 4.0 skills.
14. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM‑JAY)
Launch Year: 2018
Implementing Ministry/Agency: Ministry of Health & Family Welfare; National Health Authority
Objective: Provide health insurance cover for secondary and tertiary care hospitalisation to poor and vulnerable families.
Key Features:
- Health cover up to a defined annual limit per family on a cashless basis at empanelled hospitals
- Portability across India; paperless IT platform
- E‑cards, pre‑authorisation and package‑based payments
Target Beneficiaries: Identified SECC/AB‑PMJAY eligible families; integration with state schemes.
Recent Updates/Notes: Ongoing expansion of empanelled hospitals and beneficiary portability; digital initiatives under ABDM.
15. Pradhan Mantri Swasthya Suraksha Yojana (PMSSY)
Launch Year: 2003
Implementing Ministry/Agency: Ministry of Health & Family Welfare
Objective: Correct regional imbalances in tertiary healthcare by setting up/Upgrading AIIMS‑like institutions and government medical colleges.
Key Features:
- New AIIMS establishments and upgradation of existing institutions
- Strengthen speciality services and infrastructure
- Phased implementation with central funding
Target Beneficiaries: Patients in underserved regions; medical students and faculty.
Recent Updates/Notes: Multiple AIIMS operationalised; upgradation projects ongoing.
16. Janani Suraksha Yojana (JSY)
Launch Year: 2005
Implementing Ministry/Agency: Ministry of Health & Family Welfare (under NHM)
Objective: Reduce maternal and neonatal mortality by promoting institutional deliveries through conditional cash transfers.
Key Features:
- Cash incentives to pregnant women (differential by LPS/HPS)
- Accredited Social Health Activists (ASHAs) as link workers
- Free entitlements for maternal care in public facilities
Target Beneficiaries: Pregnant women, especially BPL and vulnerable groups.
Recent Updates/Notes: Converges with Janani Shishu Suraksha Karyakram (JSSK) and LaQshya initiatives.
17. National Health Mission (NHM) – NRHM & NUHM
Launch Year: NRHM 2005; NUHM 2013; unified as NHM
Implementing Ministry/Agency: Ministry of Health & Family Welfare
Objective: Strengthen public health systems to provide accessible, affordable, quality healthcare in rural and urban areas.
Key Features:
- • Health system strengthening, RMNCH+A strategies
- • ASHAs, community processes and decentralised planning
- • Flexible financing and performance monitoring
Target Beneficiaries: Rural and urban populations, with focus on vulnerable groups.
Recent Updates/Notes: Continues as umbrella programme; integration with digital health initiatives.
18. Mission Indradhanush
Launch Year: 2014
Implementing Ministry/Agency: Ministry of Health & Family Welfare
Objective: Achieve full immunisation coverage for all children and pregnant women.
Key Features:
- Focused immunisation drives in low‑coverage districts
- Intensified Mission Indradhanush (IMI) rounds
- Monitoring through dashboards and micro‑planning
Target Beneficiaries: Children up to 2 years and pregnant women.
Recent Updates/Notes: Ongoing IMI rounds to reach last‑mile beneficiaries.
19. Pradhan Mantri TB‑Mukt Bharat Abhiyaan (including Ni‑kshay Poshan Yojana)
Launch Year: 2018 (Ni‑kshay Poshan Yojana)
Implementing Ministry/Agency: Ministry of Health & Family Welfare
Objective: End TB by ensuring nutrition support and comprehensive patient‑centric care.
Key Features:
- Direct benefit transfer for nutritional support to TB patients
- Private sector engagement and treatment adherence systems
- Active case finding and diagnostics expansion
Target Beneficiaries: All notified TB patients in India.
Recent Updates/Notes: Scale‑up of DBT support and community engagement; alignment with National TB Elimination Programme.
20. Beti Bachao Beti Padhao (BBBP)
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Women & Child Development (with Health & Education convergence)
Objective: Address declining Child Sex Ratio and empower the girl child through survival, protection and education.
Key Features:
- Multi‑sectoral interventions and mass awareness
- Focus districts based on indicators
- Convergence with education and health schemes
Target Beneficiaries: Girl children, adolescents and communities.
Recent Updates/Notes: Refocused on measurable outcomes in education and health parameters.
21. Pradhan Mantri Matru Vandana Yojana (PMMVY)
Launch Year: 2017
Implementing Ministry/Agency: Ministry of Women & Child Development
Objective: Provide maternity benefit (DBT) to pregnant and lactating women for first live birth to improve health and nutrition.
Key Features:
- Conditional cash transfer in instalments upon meeting milestones
- Linked with MCP cards and institutional care
- IT platform for tracking and DBT
Target Beneficiaries: Eligible pregnant and lactating women (as notified).
Recent Updates/Notes: Integrated with POSHAN strategies; continuing refinements in eligibility and payments.
22. POSHAN Abhiyaan
Launch Year: 2018
Implementing Ministry/Agency: Ministry of Women & Child Development
Objective: Improve nutritional outcomes for children, pregnant women and lactating mothers through convergence and technology.
Key Features:
- • Real‑time monitoring via POSHAN tracker/ICDS‑CAS
- • Community‑based events and behaviour change communication
- • Growth monitoring devices and capacity building
Target Beneficiaries: Children (0–6 years), adolescent girls, pregnant and lactating women.
Recent Updates/Notes: Converges with Saksham Anganwadi & Poshan 2.0 initiatives.
23. One Stop Centre (OSC) Scheme – ‘Sakhi’
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Women & Child Development
Objective: Provide integrated support and assistance to women affected by violence at one location.
Key Features:
- • 24×7 services: medical aid, police liaison, legal counselling, psychosocial support
- • Temporary shelter and video‑conferencing for evidence
- • District‑level centres with convergence
Target Beneficiaries: Women facing violence in public or private spaces.
Recent Updates/Notes: OSC network expanded; integration with helplines and fast‑track mechanisms.
24. Child Protection Services (CPS) – erstwhile ICPS / Mission Vatsalya
Launch Year: 2009 (ICPS), re‑articulated as Mission Vatsalya (2022)
Implementing Ministry/Agency: Ministry of Women & Child Development
Objective: Create a protective environment for children in difficult circumstances through institutional and non‑institutional care.
Key Features:
- Child care institutions, adoption, foster care and sponsorship
- Juvenile justice implementation support
- Capacity building of stakeholders and childline linkages
Target Beneficiaries: Children in need of care and protection; children in conflict with law.
Recent Updates/Notes: Mission Vatsalya framework emphasises family‑based care and standardisation.
25. Samagra Shiksha Abhiyan
Launch Year: 2018
Implementing Ministry/Agency: Ministry of Education
Objective: Unified scheme for school education (pre‑school to Class XII) to improve access, equity and quality.
Key Features:
- Integration of SSA, RMSA and TE
- Focus on foundational literacy & numeracy, teacher training, ICT
- Infrastructure grants and inclusive education
Target Beneficiaries: Students in government and aided schools; teachers and administrators.
Recent Updates/Notes: Aligned with NEP 2020 priorities including FLN and ECCE.
26. PM POSHAN (Mid‑Day Meal Scheme revamped)
Launch Year: 1995 (revamped as PM POSHAN 2021)
Implementing Ministry/Agency: Ministry of Education
Objective: Provide hot cooked meals to school children to improve nutritional status and encourage school attendance.
Key Features:
- Meal entitlement for primary and upper‑primary students
- Nutrition norms and menu diversification
- Community participation and social audit
Target Beneficiaries: Children in government and government‑aided schools.
Recent Updates/Notes: Expansion to pre‑primary in select schools; fortification and local procurement encouraged.
27. PM eVIDYA
Launch Year: 2020
Implementing Ministry/Agency: Ministry of Education
Objective: Enable multi‑modal digital/online education access during and beyond disruptions.
Key Features:
- • DIKSHA portal, Swayam Prabha DTH channels, community radio
- • One Class One Channel; e‑content for all grades
- • Accessibility features and offline options
Target Beneficiaries: Students and teachers across grades; learners needing remote access.
Recent Updates/Notes: Content libraries expanded; alignment with digital public infrastructure for education.
28. National Means‑cum‑Merit Scholarship (NMMS)
Launch Year: 2008
Implementing Ministry/Agency: Ministry of Education
Objective: Reduce drop‑outs at secondary level by awarding scholarships to meritorious students of economically weaker sections.
Key Features:
- Selection through state‑level exams (MAT & SAT)
- Annual scholarship credited via DBT up to Class XII
- Income and performance‑based eligibility
Target Beneficiaries: Students of Class IX–XII from EWS in government/aided schools.
Recent Updates/Notes: Scholarship amount and coverage reviewed periodically by the Ministry.
29. PM SHRI Schools
Launch Year: 2022
Implementing Ministry/Agency: Ministry of Education
Objective: Develop exemplary schools showcasing NEP‑aligned pedagogy, infrastructure and governance.
Key Features:
- Selection of existing schools for upgradation
- Focus on experiential learning, green practices and technology
- Mentoring of neighbourhood schools
Target Beneficiaries: Students and teachers in selected PM SHRI schools and surrounding clusters.
Recent Updates/Notes: Phased selection continues with performance benchmarks.
30. Pradhan Mantri Awas Yojana – Urban (PMAY‑U)
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Housing & Urban Affairs
Objective: Provide housing for all in urban areas through slum rehabilitation, credit‑linked subsidy, affordable housing and beneficiary‑led construction.
Key Features:
- In‑situ slum redevelopment, CLSS, AHP, BLC components
- Women ownership/ co‑ownership encouraged
- Use of green technologies and geo‑tagging
Target Beneficiaries: Urban poor including EWS/LIG and MIG (under CLSS timelines).
Recent Updates/Notes: Projects under implementation with states/ULBs; verticals progressed in phases.
31. Atal Mission for Rejuvenation and Urban Transformation (AMRUT)
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Housing & Urban Affairs
Objective: Provide universal coverage of water supply and sewerage, and develop green & walkable cities.
Key Features:
- Service level benchmarks for water and sanitation
- Urban transport (non‑motorised) and green spaces
- AMRUT 2.0 focuses on 24×7 water supply and reuse
Target Beneficiaries: Residents of mission cities; urban local bodies.
Recent Updates/Notes: AMRUT 2.0 underway with focus on water security and urban reforms.
32. Smart Cities Mission
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Housing & Urban Affairs
Objective: Promote cities that provide core infrastructure and decent quality of life with smart solutions and sustainable development.
Key Features:
- Area‑based development and pan‑city solutions
- Special Purpose Vehicles for implementation
- Integrated command and control centres (ICCC)
Target Beneficiaries: Citizens of selected Smart Cities; urban ecosystems.
Recent Updates/Notes: Projects in advanced stages; knowledge sharing for replication in other cities.
33. Swachh Bharat Mission – Urban (SBM‑U)
Launch Year: 2014 (Phase 2 from 2021)
Implementing Ministry/Agency: Ministry of Housing & Urban Affairs
Objective: Eliminate open defecation, scientific solid waste management and sanitation behaviour change.
Key Features:
- ODF+/ODF++ and Garbage‑Free City star ratings
- Door‑to‑door collection, segregation and processing
- IEC campaigns and sanitation infrastructure
Target Beneficiaries: Urban households and communities.
Recent Updates/Notes: Phase‑2 focuses on solid waste processing and legacy waste remediation.
34. National Urban Livelihood Mission (NULM) – DAY‑NULM
Launch Year: 2013
Implementing Ministry/Agency: Ministry of Housing & Urban Affairs
Objective: Reduce poverty and vulnerability of the urban poor households by enabling access to self‑employment and skilled wage employment.
Key Features:
- Self‑Employment Programme, Skill Training and Placement
- Support to SHGs and shelters for urban homeless
- City livelihoods centres and enterprise promotion
Target Beneficiaries: Urban poor, street vendors, homeless and SHG members.
Recent Updates/Notes: Convergence with PM SVANidhi and skilling initiatives strengthened.
35. Jal Jeevan Mission (JJM)
Launch Year: 2019
Implementing Ministry/Agency: Ministry of Jal Shakti
Objective: Provide Functional Household Tap Connection (FHTC) to every rural household with adequate, safe and regular water supply.
Key Features:
- Village Action Plans via Gram Panchayats/ VWSCs
- Source sustainability, water quality monitoring, greywater management
- Women’s participation and IoT‑based monitoring
Target Beneficiaries: Rural households; schools and anganwadis for tap water facilities.
Recent Updates/Notes: Coverage progressing; states implement via PHE/ line departments.
36. Atal Bhujal Yojana (Atal Jal)
Launch Year: 2019
Implementing Ministry/Agency: Ministry of Jal Shakti
Objective: Improve groundwater management in water‑stressed areas through community participation and demand‑side measures.
Key Features:
- Performance‑based incentives to states
- Community water budgets and crop‑water alignment
- Use of data systems for monitoring aquifers
Target Beneficiaries: Communities in identified water‑stressed blocks and districts.
Recent Updates/Notes: Implementation with World Bank assistance in selected states.
37. Namami Gange Programme
Launch Year: 2014
Implementing Ministry/Agency: Ministry of Jal Shakti (National Mission for Clean Ganga)
Objective: Conserve and rejuvenate the river Ganga through pollution abatement, river‑front development and ecological restoration.
Key Features:
- Sewage infrastructure and industrial effluent control
- River surface cleaning and ghats/crematoria development
- Biodiversity conservation and afforestation
Target Beneficiaries: Populations in Ganga basin; ecological systems.
Recent Updates/Notes: Projects in multiple towns along the basin; focus on O&M sustainability.
38. Saubhagya – Pradhan Mantri Sahaj Bijli Har Ghar Yojana
Launch Year: 2017
Implementing Ministry/Agency: Ministry of Power
Objective: Achieve universal household electrification by providing last‑mile connectivity and electricity connections to willing households.
Key Features:
- Free connections to poor households; prepaid/ smart metering options
- Use of camps and mobile apps for tracking
- Convergence with DDUGJY for rural infrastructure
Target Beneficiaries: Unelectrified rural and urban households.
Recent Updates/Notes: Most states achieved near universal connections; focus on reliability and quality of supply.
39. Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY)
Launch Year: 2014
Implementing Ministry/Agency: Ministry of Power
Objective: Strengthen rural power distribution through feeder segregation, system strengthening and metering.
Key Features:
- Feeder separation for agriculture and non‑agriculture
- Sub‑transmission and distribution infrastructure
- Rural household electrification (initially)
Target Beneficiaries: Rural consumers; DISCOMs in rural areas.
Recent Updates/Notes: Merged/continued within subsequent distribution sector schemes.
40. Kisan Urja Suraksha evam Utthaan Mahabhiyan (PM‑KUSUM)
Launch Year: 2019
Implementing Ministry/Agency: Ministry of New & Renewable Energy
Objective: Promote solar pumps and grid‑connected solar plants for farmers to reduce diesel dependence and provide additional income.
Key Features:
- • Components for stand‑alone and grid‑connected solar pumps
- • Decentralised solar power plants on barren/fallow land
- • Central and state financial assistance; bank credit linkage
Target Beneficiaries: Farmers, cooperatives, panchayats and FPOs.
Recent Updates/Notes: Phased targets with revisions to enhance adoption and DISCOM integration.
41. Stand‑Up India Scheme
Launch Year: 2016
Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance (with Social Justice convergence)
Objective: Promote entrepreneurship among SC/ST and women by facilitating bank loans for greenfield enterprises.
Key Features:
- Bank loans between a prescribed range per borrower
- Handholding support and credit guarantee cover
- At least one SC/ST and one woman borrower per bank branch
Target Beneficiaries: SC/ST entrepreneurs and women entrepreneurs.
Recent Updates/Notes: Scheme extended with continued credit facilitation through SIDBI channels.
42. PM‑DAKSH (Pradhan Mantri Dakshta Aur Kushalta Sampann Hitgrahi)
Launch Year: 2021
Implementing Ministry/Agency: Ministry of Social Justice & Empowerment
Objective: Enhance skill development and livelihood opportunities for target groups of the Ministry.
Key Features:
- • Short‑term trainings, up‑skilling and entrepreneurship support
- • Online portal/app for enrolment and tracking
- • Convergence with NSQF and sector skill councils
Target Beneficiaries: SCs, OBCs, EBCs, DNTs and sanitation workers.
Recent Updates/Notes: Training partners empanelled; placements and entrepreneurship support ongoing.
43. Rashtriya Vayoshri Yojana (RVY)
Launch Year: 2017
Implementing Ministry/Agency: Ministry of Social Justice & Empowerment
Objective: Provide assisted‑living devices to senior citizens belonging to BPL categories to restore near‑normal functionality.
Key Features:
- Free distribution of aids and assistive devices
- Assessment camps and post‑distribution follow‑up
- Implemented through ALIMCO
Target Beneficiaries: BPL senior citizens with age‑related disabilities/impairments.
Recent Updates/Notes: Camps conducted across districts; coverage expanded based on demand.
44. National Action Plan for Drug Demand Reduction (NAPDDR)
Launch Year: 2018
Implementing Ministry/Agency: Ministry of Social Justice & Empowerment
Objective: Prevent substance abuse and facilitate treatment, rehabilitation and social reintegration.
Key Features:
- Awareness generation, counselling and de‑addiction services
- Capacity building and survey/research
- Support to Integrated Rehabilitation Centres for Addicts (IRCAs)
Target Beneficiaries: Individuals and communities affected by substance use disorders.
Recent Updates/Notes: Implementation through state/NGO partners; helplines and outreach intensified.
45. Pradhan Mantri Jan Dhan Yojana (PMJDY)
Launch Year: 2014
Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance
Objective: Universal banking access with basic savings accounts, RuPay card, overdraft and insurance to promote financial inclusion.
Key Features:
- Zero‑balance accounts with AEPS and DBT linkage
- Accidental and life insurance covers subject to conditions
- Overdraft facility and Jan Dhan‑to‑Jan Suraksha convergence
Target Beneficiaries: Unbanked/under‑banked households; PMJDY account holders.
Recent Updates/Notes: Accounts continue under extended framework with focus on DBT and micro‑credit.
46. Atal Pension Yojana (APY)
Launch Year: 2015
Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance; PFRDA
Objective: Provide defined pension to workers in the unorganised sector through contributory scheme.
Key Features:
- Guaranteed pension to subscribers on attaining 60 years (as per chosen slab)
- Government co‑contribution for eligible early joiners (initial window)
- Managed by PFRDA through banks/post offices
Target Beneficiaries: Citizens in the unorganised sector within eligible age band.
Recent Updates/Notes: Subscriber base expanding; periodic parameter reviews by PFRDA.
47. Pradhan Mantri Mudra Yojana (PMMY) – MUDRA
Launch Year: 2015
Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance
Objective: Provide collateral‑free loans to micro and small enterprises under Shishu, Kishor and Tarun categories.
Key Features:
- Credit guarantee coverage through CGFMU
- Refinance support via MUDRA Ltd./SIDBI
- Focus on first‑generation entrepreneurs and women
Target Beneficiaries: Non‑farm micro/small enterprises and entrepreneurs.
Recent Updates/Notes: Disbursement targets revised periodically; digital lending channels leveraged.
48. Sukanya Samriddhi Yojana (SSY)
Launch Year: 2015
Implementing Ministry/Agency: Ministry of Finance (DEA – NSI)
Objective: Encourage savings for the girl child through a small‑savings scheme with attractive returns and tax benefits.
Key Features:
- Account for girl child below a defined age; deposits up to specified limit
- Competitive interest rate notified quarterly; EEE benefits under IT Act (as applicable)
- Partial withdrawal for education/marriage and maturity at defined age
Target Beneficiaries: Guardian/parents of eligible girl children.
Recent Updates/Notes: Interest rates notified quarterly along with other small savings schemes.
49. National Pension System (NPS)
Launch Year: 2004 (for Govt), opened to all citizens 2009
Implementing Ministry/Agency: PFRDA; Ministry of Finance
Objective: Provide market‑linked retirement savings with regulated architecture and choice of fund managers.
Key Features:
- Tiers I & II accounts; lifecycle and active choice
- Regulated charges and central recordkeeping agency (CRA)
- Portability across jobs/locations; partial withdrawals under conditions
Target Beneficiaries: Central/State govt employees (as notified), corporate subscribers and all citizens.
Recent Updates/Notes: Parameter tweaks and compliance circulars issued periodically by PFRDA.
50. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Launch Year: 2015
Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance
Objective: Provide affordable accidental death and disability insurance through auto‑debit from bank accounts.
Key Features:
- Annual renewable cover with low premium via auto‑debit
- Benefits for accidental death and specified disability
- Simple enrolment through banks and BCs
Target Beneficiaries: Any bank account holder within eligible age band.
Recent Updates/Notes: Premium/benefit parameters reviewed; enrolment through mass drives continues.
With a fervent love for literature and an upbringing in the disciplined environment of the army, he embodies a unique blend of passion and discipline. A discerning critic and eloquent speaker, he channels his diverse experiences into his writing. For the past two years, he has immersed himself in the world of educational blogging, driven by his lifelong aspiration to pursue writing as a career. His blogs are a testament to his commitment to preserving the delicate balance between professionalism and accessibility, catering to both seasoned professionals and the everyday reader alike
