PM Scheme part-10 Deendayal Upadhyaya Grameen Kaushalya Yojana, Atal Pension Yojana,

PM Scheme Part-10 Deen Dayal Upadhyaya Grameen Kaushalya Yojana
Launched on 25th September 2014
To provide employment to youth residing inrural area.
Launched By Venkaiah Naidu and Nitin Gadkari
Occasion on launched day - 98 birth anniversary event of the legendary leader Deendayal Upadhyaya
Target Audience -Skill Development Program for Poor
About Deen Dayal Upadhyaya Grameen Kaushalya Yojana
The Ministry of Rural Development (MoRD) announced the Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) Antyodaya Diwas, on 25th September 2014. DDU-GKY is a part of the National Rural Livelihood Mission (NRLM), tasked with the dual objectives of adding diversity to the incomes of rural poor families and cater to the career aspirations of rural youth.
DDU-GKY is uniquely focused on rural youth between the ages of 15 and 35 years from poor families. As a part of the Skill India campaign, it plays an instrumental role in supporting the social and economic programs of the government like the Make In India, Digital India, Smart Cities and Start-Up India, Stand-Up India campaigns. Over 180 million or 69% of the country’s youth population between the ages of 18 and 34 years, live in its rural areas. Of these, the bottom of the pyramid youth from poor families with no or marginal employment number about 55 million.
The Vision of DDU-GKY is to "Transform rural poor youth into an economically independent and globally relevant workforce". It aims to target youth, under the age group of 15–35 years. DDU-GKY is a part of the National Rural Livelihood Mission (NRLM), tasked with the dual objectives of adding diversity to the incomes of rural poor families and cater to the career aspirations of rural youth. A corpus of Rs 1,500 crore and is aimed at enhancing the employability of rural youth. Under this programme, disbursements would be made through a digital voucher directly into the student’s bank account as part of the government's skill development initiative.
Key features of the scheme Of Deen Dayal Upadhyaya Grameen Kaushalya Yojana
Training for the poor for free –
As per the guidelines of the scheme, the central government will provide the selected candidates with vocational training for making them capable of taking on various kinds of jobs. The trainings will be provided free of cost.
Including the minorities – 
Reservations have been made for including the people who belong to the backward classes and minority groups. The program has reserved 50% seats for the ST and SC candidates, 15% for the minority candidates and 33% for female candidates.
Importance on career progression –
Along with vocational training, the institutes will also assist the candidates to progress on the path of career progression. The institutes will assist in finding right jobs for the trained candidates both inside the country and outside. Job incentives will also be given.
Post- Placement assistance –
Apart from providing placement opportunities, the government will also assist in giving assistance after the placement has been finalized.
Expenditure on the trainees –
It has been estimated that the government will have to shell out anything between Rs. 25,696 to over Rs. 1 on every trainee.
Duration of the courses – 
All the training courses will range from a minimum of 3 months to a maximum of about 12 months. Any course that extends beyond the time frame will not be covered by the authority financially.
Standards-led Delivery –
The responsibility of checking the parameters and quality of the training, imparted to the people will be measured by institutes, which have been affiliated by the center. No local inspection will be allowed.
Providing regional focus – 
Though the scheme will be implemented in all parts of the country, special attention will be paid to the states like Jammu and Kashmir and other states or districts, which are suffering from massive backwardness.
Eligibility criteria of the scheme
People belonging to the poor families – 
As per the rules of the scheme, only those candidates will be able to participate under the scheme who belong to BPL category. Thus, the program will assist the poor youth in acquiring training and jobs after the completion of the training.
Age related criteria – 
It has been mentioned in the draft that only the youth will be able to participate in the scheme. The lower age limit has been fixed at 15 years while the upper age limit is 35 years. It is for the general caste but the upper age limit for the minorities, SC, ST, and physically disabled people has been fixed at 45 years.
Cast related criteria – 
The scheme will give preference to the people belonging to the SC, ST, OBC castes. The minority communities will also have representation along with the candidates who have physical disability. The reservation percentage will be decided by the respective authority.
Active bank account – 
As the stipend to the students and the grant to the associations providing the training will be provided through bank transactions, the presence of an active bank account for both parties must be present.
Fee and Stipend details of the scheme
Industrial interns – 
All candidates who are acquiring skill development training in the industries will be paid a stipend of Rs. 3000 on a monthly basis. The amount will be sent to the candidate through the bank account.
Additional allowance for day trainees –
All the trainees who have only opted for day training will be provided with an additional allowance of Rs. 50 on a daily basis. It will be given for meeting the food and transportation costs.
Grant for the institutes for normal trainees –
For the purpose of training and related progression, the PIAs will be given an amount of Rs. 5000 for every candidate who is getting the training. The grant will be given on the basis of trainees who secure a job that pays them a salary of Rs. 15,000.
Grant for live distance training –
In case the trainees are opting for live distance training, the government will pay the PIA a grant of Rs. 500 for every candidate.
Grant for counseling of candidates –
It might so happen that the candidate secure a job in other countries, after the completion of the training. For these candidates, the PIAs will have to hold counseling sessions. The institutes will get a grant of Rs. 10000 for every candidate getting the advising.
Grant for industrial trainees – 
All the candidates who are opting for training from the industrial sectors and also get boarding facilities will fetch the institutes an amount of Rs. 5000 as associated costs on a monthly basis. In addition to that a travel allowance of Rs. 4500 will be granted to the PIAs.
“Rashtriya Gram Swaraj Yojana has been designed for giving the power to Panchayat Raj. ”
Implementation process of the scheme
The implementation of the scheme will be done on a three tire basis. They are as under:
Project Funding Assistance –
All the training projects, which will be undertaken by the scheme, will require monetary assistance from the government. It is the responsibility of the authority to estimate the cost that will be incurred per person on the basis of training type and duration. All the institutes which have a high reputation and a grade of at least 3.5 will be able to apply for providing the training.
Training Requirements –
All the institutes providing the training will have to design the rules and regulations, which have been specified by the National Council for Vocational Training and Sector Skills Councils. The training will have to be related to around 250 sectors, which have been highlighted under the scheme. But the institutes will have to place at least 75% of the total number of candidates successfully. The courses must be associated with such trades and soft skill developments, which have a high demand and relevance in the current scenario.
Training Quality Assurance –
The requirement for the development of vocational skills and general education has been understood by the central government. Thus, they passed the National Policy on Skill Development in 2009. It is necessary that the evaluation of the viability of the scheme is done so that the candidates get employment after completing the training. The task of doing this evaluation is placed on the shoulders of National Skills Qualification Framework. The trainings will be compared with the international training standards with the institutes which have been affiliated by government bodies like NCVT or SSCs. 
ddugky Application Form And Registration Process
The process of applying under the scheme will have to be done online. The application form is available on the authorized website. 
The interested candidate will have to type in the name of the PIA under which he/she wants to acquire the vocational training. The particular filed marked as “Name” must be filled in this regard. The next field is marked as “Address” and here, the candidate will have to type in the official address. Next the candidate will have to type in the name of the stat from which he/she belongs, followed by the name of the district.
As the process will be done online and the details will be sent to the candidate via mail, he/she will have to type in the official mail ID in the next filed. Then, the candidate will have to provide details of any legal document that contains the personal identification details of the person. For this, the candidate will have to click on the drop down arrow and choose accordingly. Then the candidate will have to provide the contact details. Though providing the landline number is not mandatory, the candidate will must possess an active mobile phone. The mobile number is mandatory. The next section deals with the type of industry, where the candidate desires to join for attaining the skill development trainings. Clicking on the drop down arrow will activate the sectors and the person needs to choose accordingly.
The selection of the job role is must be done in the same manner. Then the candidate will have to attach a scanned copy of a photograph. It must be a passport sized photograph. The file format must be png, gif, jpg, or jpeg and the size of the file must not be more than 2MB. Then the candidate needs to type in the capcha code that is displayed at the end of the application form in its particular place. Once this has been done, the candidate needs to click on the button that has been marked as “Submit.”
With the successful implementation of the welfare program, the central government will be in a better position to meet the job related requirements of the youngsters of the country. The training will help the poor in making themselves suitable for meeting the requirements of the job sections.                                    Atal Pension Yojana
Launched Original launch in 2010-11. Relaunched on 9 May 2015; 2 years ago
It was Launched for unorganised sector‘s workers
Atal Pension Yojana
Atal Pension Yojana (previously known as Swavalamban Yojana) is a government-backed pension scheme in India targeted at the unorganised sector. 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 pension scheme, this scheme aims to increase the number.
Eligibility to Avail Atal Pension Yojana
Anyone who is a citizen of India can is welcome to join this pension scheme. However, one should need to meet the following eligibility criteria set by the Government of India
The minimum age to be eligible is 18 years and must not exceed 40 years while applying.The person must have a Savings bank account in his/her name or he/she can opt to open a new one before applying to the scheme.The potential applicant must possess a mobile number which must be registered with the bank with full details.
The Government co-contribution is available to the subscribers who apply from 1st June, 2015 till 31st Dec., 2015. The Government is willing to support the workers who do not have any social security cover and not fall under the taxable income.
In Atal Pension Yojana, for every contribution made to the pension fund, The Central Government would also co-contribute 50% of the total contribution or ₹1,000 (US$16) per annum, whichever is lower, to each eligible subscriber account, for a period of 5 years. The minimum age of joining APY is 18 years and maximum age is 40 years. The age of exit and start of pension would be 60 years. Therefore, minimum period of contribution by the subscriber under APY would be 20 years or more.
Aadhaar would be the primary KYC document for identification of beneficiaries, spouse and nominees to avoid pension rights and entitlement related disputes in the long-term. For Address proof, individual may submit copy of ration card, copy of bank passbook is also accepted.
The subscribers are required to opt for a monthly pension from Rs. 1000 – Rs. 5000 and ensure payment of stipulated monthly contribution regularly. The subscribers can opt to decrease or increase pension amount during the course of accumulation phase, as per the available monthly pension amounts. However, the switching option shall be provided once in year during the month of April.
This scheme will be linked to the bank accounts opened under the Pradhan Mantri Jan Dhan Yojana scheme and the contributions will be deducted automatically. Most of these accounts had zero balance initially. The government aims to reduce the number of such zero balance accounts by using this and related schemes.
What is the due date for monthly contribution?
Your initial date of deposit will be considered as the due date for the payment of the contribution amount for the APY scheme. This pre-decided date is not flexible in any condition.
What will happen if required or sufficient amount is not maintained in the savings bank account for contribution on the due date?
The subscriber’s savings bank account needs to maintain a minimum balance on the specified date which is equal to the one month’s contribution amount. In case the amount found to be lower than the required, the account will be measured as default. Banks are given the authority of penalizing those account holders by charging fine on them. The fine amount can be anything between One Rupee to Ten Rupees as the details mentioned below:-
If the contribution amount is Rs. 100/- per month, the fine charged would be One rupee per monthFor contribution amount from Rs. 101 to 500/- per month, the Two rupees per month would be fined.For Rs. 501/- to 1000/- per month, there will be Rs. 5/- per month fine10 per month would be fined for the contribution above Rs. 1000/- per month
If for any reason, the payments get discontinued, the account would be frozen after the six months, deactivated after twelve months and would be completely closed after twenty four months.
Therefore, it is solely the subscriber’s headache to fund the account on the due date of contribution, to avoid penalties in the future.
How much pension will be received under Atal Pension Yojana?
The Indian Government has made it clear that the amounts of pension will range from 1 thousand to 5 thousand per month. The amount will be greatly influenced by the beneficiary’s monthly contribution to the scheme, which means the greater the contribution the more the amount of pension in future.
What is the benefit in joining Atal Pension Yoajna scheme?
Are you are wondering about the benefit of joining under this scheme? Then, you will be likely to get impressed with the Government co-contribution for the period of 5 years. The contribution amount will be either Rs. 1,000/- per annum or fifty percent of the total amount of contribution towards the scheme, whichever is lower. The account holders will benefit from this co-contribution from the financial year starting from 2015 and till 2019
Atal Pension Yojana Details
1.Type of scheme Pension scheme (Under the PFRDA)
2.Date of effect of scheme - 1st June, 2015
3.Age for eligibility to join -18 years to 40 years
4.Time of maturity of pension scheme - When the beneficiary attains 60 years of age
5.Targeted group of beneficiaries- Employees of unorganized sectors, farmers, backward masses, women, SC/ST etc.
6.Inclusion of members of Swavalamban Yojana NPS Lite-Automatic inclusion
7.Pension amount options Rs. 1,000, Rs. 2,000, Rs. 3,000, Rs. 4,000 and Rs. 5,000
8.Government’s contribution to the scheme - 50 per cent of beneficiary’s contribution or Rs. 1,000 per year for 5 years
9.Eligibility to get Govt. contribution- Must be non tax payer and must join APY before Dec. 2015
10.Mode of monthly payment to APY account - Auto debit process from the bank account linked with APY account
11.Where to apply for the APY scheme? -All nationalized banks
12.Nomination facility - Available
13.Non payment for 6 months - Account frozen
14.Non payment for 12 months - Account deactivated
15.Non payment for 24 months - Account permanently closed
16.Premature exit from scheme - Yes you can now do a premature exist. Will have to pay some fine. Fine amount is yest not clear.
17.Total number of APY accounts opened so far - 2,405,268 (As on 16th April 2016).                          PM Scheme part-11 Sagar Mala Project, Bharat Mala Project,please click here

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