March 29, 2020

Pradhan Mantri Scheme

    PM Scheme Part-1.                                                                                                                                                                      (1) Jan Aushadhi Yojana (2) Awas Yojana (3) Pradhan Mantri Jeevan Jyoti Bima Yojana (4) Beti Bachao,Beti Padhao (5) SWACHH BHARAT MISSION, (6) Namami Gange Programme, (7)Digital India, Stand up India scheme,(8) Make in India (9) Pradhan Mantri Fasal Bima Yojana , (10) Gram Uday Se Bharat Uday Abhiyan,(11)  Smart City Mission Yojana (HRIDAY), (12)Kisan Vikas Patra ,(13) Soil Health Card Scheme,(14) Deendayal Upadhyaya Gram Jyoti Yojana, (15)Pradhan Mantri Sansad Adarsh Gram Yojana,(16) UMANG Swadesh Darshan Scheme and PRASAD,(17) Pradhan Mantri Ujjwala Yojana, (18) MUDRA, (19) Pradhan Mantri Jan Dhan Yojana ,(20) Sukanya Samriddhi Scheme ,(21) AMRUT , (22) Mission Indradhanush,(23) Skill India   ,(24) Grameen Kaushalya Yojana (25) Atal Pension Yojana (26) Sagar Mala project , (27) Bharatmala Project .                        Pradhan Mantri Suraksha Bima Yojana
Launched on 9th May 2015
Eligibility: Available to people in age group 18 to 70 years with bank account.
Premium: Rs.12 per annum.
Payment Mode: The premium will be directly autodebited by the bank from the subscribers account. This is the only mode available.
Risk Coverage: For accidental death and full disability – Rs.2 Lakh and for partial disability – Rs.1 Lakh.
Eligibility: Any person having a bank account and Aadhaar number linked to the bank account can give a simple form to the bank every year before 1st of June in order to join the scheme. Name of nominee to be given in the form.
About Pradhan Mantri Suraksha Bima Yojana
Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme in India. It was originally mentioned in the 2015 Budget speech by Finance Minister Arun Jaitley in February 2015.It was formally launched by Prime Minister Narendra Modi on 9 May in Kolkata.As of May 2015, only 20% of India's population has any kind of insurance, this scheme aims to increase the number.
Theme of Pradhan Mantri Suraksha Bima Yojana
Pradhan Mantri Suraksha Bima Yojana is available to people between 18 and 70 years of age with bank accounts. It has an annual premium of ₹12 (19¢ US) exclusive of taxes. The GST is exempted on Pradhan Mantri Suraksha Bima Yojana. The amount will be automatically debited from the account. The accident insurance scheme will have one year cover from June 1 to May 31 and would be offered through banks and administered through public sector general insurance companies.
In case of accidental death or full disability, the payment to the nominee will be ₹2 lakh (US$3,100) and in case of partial Permanent disability ₹1 lakh (US$1,600). Full disability has been defined as loss of use in both eyes, hands or feet. Partial Permanent disability has been defined as loss of use in one eye, hand or foot.
This scheme will be linked to the bank accounts opened under the Pradhan Mantri Jan Dhan Yojana scheme. Most of these account had zero balance initially. The government aims to reduce the number of such zero balance accounts by using this and related schemes.Now all Bank account holders can avail this facility through their net-banking service facility at any time of the year
What all is covered and for how much
Under PMSBY, the risk coverage available is Rs 2 lakh for accidental death and permanent total disability, and Rs 1 lakh for permanent partial disability. Permanent total disability is defined as total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of an eyesight and loss of use of a hand or a foot. Permanent partial disability is defined as total and irrecoverable loss of an eyesight or loss of use of a hand or foot. The cover will be in addition to any other insurance plan the subscriber has. The scheme is not a Mediclaim, i.e., there is no provision for reimbursement of hospitalisation expenses following accident, resulting in death or disability.
Important inclusions and exclusions
Accidents, any death or disability (as defined under PMSBY) resulting from natural calamities is covered under PMSBY. While death due to suicide is not covered, that from murder is covered. Partial disability without irrecoverable loss of an eyesight or loss of use of one hand or foot is not covered. Also, the family gets no insurance benefit if the subscriber commits suicide.
Where to buy the scheme from
The scheme is offered/administered through Public Sector General Insurance Companies (PSGICs) and other general insurance companies, in collaboration with participating banks. The banks are free to engage any general insurance company for implementing the scheme for their subscribers.
Enroling period
Initially, for the cover period from June 1, 2015 to May 31, 2016, the subscribers were expected to enrol and give their auto debit option by May 31, 2015, which was extended up to May 31, 2016. Subscribers who wish to continue beyond the first year have to give their consent for auto debit before May 31 for successive years. The cover is for a one-year period, starting June 1 to May 31. The option to join/pay by auto debit has to be given by May 31 of every year.
Till what period is the cover for
The accident cover of the member will terminate/be restricted in any of the following events:
(i)  On attaining age 70.
(ii)  Closure of bank account or insufficiency of balance to keep the insurance in force.
(iii) In case a member is covered through more than one account and the premium is received by the insurance company inadvertently, the insurance cover will be restricted to one account and the premium will be forfeited.
What to do in case of a claim
PMSBY covers deaths caused by an accident and confirmed by documentary evidence. In case of incidents like road, rail and similar vehicular accidents, drowning, death involving any crime, etc., the accident should be reported to police. In case of incidents like snake bite, fall from tree, etc, the cause should be supported by immediate hospital record. In case of death of the account holder, the claim can be filed by the nominee/appointee as per the enrolment form or by his legal heir/s in case there is no nomination made by him. The disability claim will be credited in the bank account of the insured bank account holder. Death claims will be remitted to the bank account of the nominee/legal heir(s).
                Jan Aushadhi Yojana
Jan Aushadhi Yojana (JAY) launched on July 1, 2015
Government of India’s Department of Pharmaceuticals has unleashed the magical homunculus.
Under this scheme, Indian citizens will have access to high quality generic medicines are prices lower that the current market price for competing products from well-known brands.
About Jan Aushadhi Yojana
Pradhan Mantri Bhartiya Jan Aushadhi PariYojana Kendra(PMBJPK) is a campaign launched by the Department of Pharmaceuticals, Govt. Of India, to provide quality medicines at affordable prices to the masses through special kendras known as Pradhan Mantri Bhartiya Jan Aushadhi Kendra. Pradhan Mantri Bhartiya Jan Aushadhi Pariyojana Kendra (PMBJPK) have been set up to provide generic drugs, which are available at lesser prices but are equivalent in quality and efficacy as expensive branded drugs. BPPI (Bureau of Pharma Public Sector Undertakings of India) has been established under the Department of Pharmaceuticals, Govt. of India, with the support of all the CPSUs for co-coordinating procurement, supply and marketing of generic drugs through Pradhan Mantri Bhartiya Jan Aushadhi Kendra.
Objective of Jan Aushadhi Yojana
1.Make quality the hallmark of medicine availability in the country, by ensuring, access to quality medicines through the CPSU supplies and through GMP Compliant manufacturers in the private sector.
2. Despite constraints of budget in the Central and State governments, extend coverage of quality generic medicines which would reduce and thereby redefine the unit cost of treatment per person.
3. Develop a model which can be replicated not only in India but also in other less developed countries in their common goal of improving quality affordable health care by improving access to quality medicines at affordable prices for all.
4. Not be just restricted to the Public Health System but be adopted with zeal and conviction by the Private Sector and thereby spread its coverage to every village of this country. The Jan Aushadhi campaign is open for all. Since generic equivalents are available for all branded drugs, the campaign will provide access to any prescription drug or Over The Counter (OTC) drug for anybody. It will be as much available to the disadvantaged sections of the society as much to the advantaged richer population segment of the country.
5. Create awareness through education and publicity so that quality is not synonymous with high price but less is more that is to say that, with a lesser price, more medicines would be available, more patients would be treated and more people will lead a healthier life.
6. Be a public program involving State governments, the Central government, Public Sector enterprises, private Sector, NGOs, Cooperative bodies and other institutions.
7. Create a demand for generic medicines By All for All by improving access to better healthcare through low treatment costs and easy availability wherever needed in All therapeutic categories.
Roadmap Of Jan Aushadhi Yojana
A list of Unbranded Generic medicines, commonly used by patients for chronic and other diseases, has been prepared. The National List of Essential Medicines, 2003 (NLEM, 2003) has also been used for this purpose. This will be considered as Common List (CL). Each State would be able to have an add-on list called the State List (SL) based on the use of any specific medicine in the area. The State Governments/NGOs/Charitable/cooperative/Government bodies will be encouraged to establish Jan Aushadhi stores in Government hospital premises or at other suitable location in all the Districts of all the States and union Territories.
Under the Jan Aushadhi campaign Jan Aushadhi stores will be opened in all the districts in the country in phases. Accordingly, States have been identified for opening of the Jan Aushadhi stores in the first phase along with the proposed nodal organizations responsible for coordinating the activities. After successful operationalisation of the program in these districts, other districts in other States would be considered in subsequent phases.
How is government selecting the stores ?
Government is not selecting any store in particular. Rather, government is encouraging people or organizations to open new stores. There are specific requirements that must be fulfilled for opening a new store. These requirements are mentioned below:
Applicants need to own a place for opening a store. The available place should have a minimum space of 120 sq. ft.
Applicants need to have a Retail Drug License and an active TIN (Tax-Payer Identification Number).
Applicants either need to have a certified pharmacist employed or they themselves should be pharmacists. If the applicants are pharmacists, they should be unemployed. If they are hiring a pharmacist, the State Council and the license registration number should be included in the application form.
Applicants need to have updated and audited account for last 3 years and they need to produce their bank statements and sales return for last 3 years.
Jan Aushadhi stores established anywhere else by private entrepreneurs / institutions / NGOs / Trusts / Charitable organizations which are linked with BPPI headquarters through internet.Financial support of 2.5 lakhs. This will be given @ 15% of monthly sales subject to a ceiling of Rs 10,000/ per month up to total limit of 1.5 lakhs. In NE states, and naxal affected areas, tribal areas, the rate of incentive will be 15% and subject to monthly ceiling of Rs.15,000. up to total limit of 2.5 lakhs.
The Applicants belonging to weaker sections like SC/ST/Differently-abled may be provided medicines worth Rs. 50,000/ - in advance within the incentive of Rs. 2.5 lakhs which will be provided in the form of 15% of monthly sales subject to a ceiling of Rs. 10,000/ - per month up to a total limit of Rs. 2.5 lakh.
20% trade margin shall be included in MRP for retailers and 10% for distributors.
Jan Aushadhi stores and Distributors will be allowed 2% of total sales or actual loss, whichever is lower, as compensation against expiry of medicines. Expired goods need not be returned to BPPI. Stocks expiring at the C and F level will entirely be the loss of BPPI.
Credit facility will be given to all Jan Aushadhi stores for 30 days against postdated cheques. Distributors will also get credit of 60 days against post dated cheques. C and F agencies will have to deposit a security amount depending upon the business.                                               Awas Yojana
Launch Date June, 2015 by Prime Minister - Narendra Modi
Estimated Time for Completion - 7 years (2022)
Primary Objective - Providing affordable houses to Indian citizens
Number of Houses to be Built - 2 crores +
Primary Target Group - Poor people of India belonging to LIG, EWS and MIG groups.
Primary Target Area LIG, EWS and MIG people of urban and rural area.
Subsidy - Aprox rs 1.2 Lakhs in Gramin and rs 2.4 Lakhs in Urban
Previous Name - Housing for All scheme and Indira Awas Yojana
About Awas Yojana
Pradhan Mantri Awas Yojana aka PMAY or Housing for all is a housing scheme for all the people who belong to lower income group, economically weaker section and Middle Income Group in India. Launched in 2015, it is a housing development project from central government that will deliver 2 Cr permanent houses in urban as well as rural areas by the year 2022. The phase I of the project is already over by March 2017 and the second phase has already started. It is divided into two parts, PMAY Urban and PMAY Gramin.
Under PMAY-Urban, the houses will be constructed within the urban areas. Mainly the congested slums areas will be removed to deliver pucca or permanent houses to the inhabitants of the slums and other people from LIG ,EWS and MIG categories.In the PMAY-Gramin scheme, people from rural areas will get their pucca houses. Those who are living in rented houses or own house but needs reconstruction, can apply for this scheme.
Process to Apply
There are three modes of application under the PMAY scheme. They are offline, online and through CSCs for the urban and rural areas.
Apply Subsidy for Pradhan Mantri Awas Yojana Urban [PMAY (U)]
Offline: In case of offline registration, there is a demand survey by the urban local bodies. This survey will be conducted to find and organise the list of people living under LIG category (annual income not more than Rs. 6 Lac) and EWS category (Annual Income not more than Rs. 3 Lac). Once the survey will be done, verification process will start and the registration will began accordingly.
Online process: In case of online process the applicant can register for free of cost through the pradhan mantri awas yojana ministry official website.  Fill with required information regarding the loan and applicant’s identity. Submit the form online after successfully completion of the filling up.
CSCs: Common Service Centres are being established in many places across the nation. Applicants are required to submit all their documents in these CSCs and a minimum registration fee of Rs. 25/- plus service charge for the registration under PMAY (U) scheme.
Apply for Pradhan Mantri Awas Yojana Gramin [PMAY (G)]Offline: For PMAY (G) the Gramin Sabha will be in charge for the demand survey. The authorities will conduct the survey in which LIG and EWS categories will be identified to make a list of targeted population. This list should be submitted to the PMAY local authorities for further registration process.
Online: The online registration process for the PMAY (G) is same as the PMAY (U). The applicant can register through the official ministry website for PMAY without spending anything.
CSCs: As mentioned CSCs are being established everywhere to process the registration. The applicant is required to spend Rs. 25/- as a service charge and registration fee to the authorities in CSCs to process the registration.
Documents Required for PMAY application
One of the mandatory documents to be submitted for the scheme registration is Aadhaar card. If the applicant by chance does not hold Aadhaar card, then the CSCs will help the applicant to get his card with proper registration.
Another mandatory document to be submitted is the BPL certificates. People who are living in rural areas or in urban areas, belonging to EWS or LIG groups need to submit their income certificates along with their identity and address proof.
Application form of PMAY (U) and PMAY (G)
The application form is available online only. If the applicant is filling up the form through online, then he/she has to download it and submit it online after filling it up properly. Those who are registering through CSCs can get those forms in hand from the centres. The authorities take out the forms printed and deliver them along with an acknowledgement slip to the applicant against Rs. 25/-. The applicant has to submit the form in CSCs after filling it properly.
Name, contact, gender, date of birth, category, annual income, aadhaar number, BPL certificate details and such are the mandatory options in the form. Also the applicant must mention about the house loan they want such as for construction of new house or renovation of old home.                                                                                                  PM scheme Part-2 Pradhan Mantri Jeevan Jyoti Bima Yojana    click Now                                                                         

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