PM Scheme Part-3 Namami Gange Programme, Digital India,Standup India scheme,

PM Scheme Part-3    Namami Gangs Programme:-
It its maiden budget, the government announced Rs. 2037 Crore towards this mission.
The project is officially known as Integrated Ganga Conservation Mission project or ‘Namami Ganga Yojana’.
This project aims at Ganga Rejuvenation by combining the existing ongoing efforts and planning under it to create a concrete action plan for future.
About Namami Gange
The Union Cabinet chaired by the Prime Minister, Shri Narendra Modi approved the flagship "Namami Gange" programme which integrates the efforts to clean and protect the Ganga River in a comprehensive manner. Marking a major shift in implementation, the Government is focusing on involving people living on the banks of the river to attain sustainable results. Drawing from the lesson learned from the previous implementation, the program also focuses on involving the States and grassroots levels institutions such as Urban Local Bodies and Panchayati Raj Institutions in implementation. The program would be implemented by the National Mission for Clean Ganga (NMCG), and its state counterpart organizations i.e., State Program Management Groups (SPMGs). NMCG will also establish field offices wherever necessary.
Theme of Namami Gange Programee
The National Mission for Clean Ganga (NMCG) is the implementation wing of National Ganga Council which was set up in October 2016 under the River Ganga (Rejuvenation, Protection and Management) Authorities order 2016. The order dissolved National Ganga River Basin Authority. The aim is to clean the Ganga and its tributaries in a comprehensive manner.Nitin Gadkari is the present Minister for Ministry for Water Resources, River Development and Ganga Rejuvenation, Government of India.
Clean Ganga Fund
The Union Cabinet gave its approval for setting up of Clean Ganga Fund in September 2014 with the aim of using the collection for various activities under the Namami Gange programme for cleaning the Ganga.Utilisation of funds
* Cleaning up of the Ganga
* Setting up of waste treatment plants
* Conservation of biotic diversity of the river
* Development of public amenities
* Activities such as Ghat redevelopment and Research and Development and innovative projects.
Purpose of Namami Gange Programee
An integrated conservation mission, was approved as the flagship programme by the government in June 2014 with budget outlay of ₹20,000 crore to accomplish the twin objectives of effective abatement of pollution, conservation and rejuvenation of the Ganga.
Wastes and left overs of tours and picnics flowing in the Ganga. The intention is to "ramp up progress" of the Ganga clean-up mission. Mission has been announced as an Integrated Ganga Conservation Mission in the Union Budget of 2014–15 with the aim of Ganga Rejuvenation.Under the project 8 states are covered.Dept of Drinking Water Supply and Sanitation proposes to make 1,632 gram panchayats by the Ganga open defecation-free by 2022, at a cost of Rs 1,700 cr (central share).
Aim & Objective of National Mission for Clean Ganga
The aims and objectives of NMCG is to accomplish the mandate of National Ganga River Basin Authority (NGRBA) of 1.To ensure effective abatement of pollution and rejuvenation of the river Ganga by adopting a river basin approach to promote inter-sectoral co-ordination for comprehensive planning and management and 2.To maintain minimum ecological flows in the river Ganga with the aim of ensuring water quality and environmentally sustainable development.
Vision and Key Function
Vision
The Vision for Ganga Rejuvenation constitutes restoring the wholesomeness of the river defined in terms of ensuring “Aviral Dhara” (Continuous Flow”), “Nirmal Dhara”(“Unpolluted Flow”), Geologic and ecological integrity.
Key Functions
To achieve the objectives, NMCG shall carry out the following key functions namely:
(i) Implement the work programme of National Ganga River Basin Authority(NGRBA).
(ii) Implement the World Bank supported National Ganga River Basin Project.
(iii) Coordinate and oversee the implementation of projects sanctioned by Government of India under NGRBA.
(iv) Undertake any additional work or functions as may be assigned by MoWR,RD  and GJ in the area of conservation of river Ganga.
(v) Make rules and regulations for the conduct of the affairs of the NMCG and add or amend, vary or rescind them from time to time.
(vi) Accept or to provide any grant of money, loan securities or property of any kind and to undertake and accept the management of any endowment trust, fund or donation not inconsistent with the objectives of NMCG.
(vii) Take all such action and to enter all such actions as may appear necessary or incidental for the achievements of the objectives of the NGRBA.                                                            Digital India 
The scheme was launched by Prime Minister Narendra Modi on 2nd of July, 2015. Short View of digital India
Development of secure and stable Digital Infrastructure,Delivering government services digitally and Universal Digital Literacy
Monitored by Ministry of Electronics and Information Technology
These include:
1. The creation of digital infrastructure 
2. Delivering services digitally 
3. Digital literacy
Details Description For "Digital India"
Digital Technologies which include Cloud Computing and Mobile Applications have emerged as catalysts for rapid economic growth and citizen empowerment across the globe. Digital technologies are being increasingly used by us in everyday lives from retail stores to government offices. They help us to connect with each other and also to share information on issues and concerns faced by us. In some cases they also enable resolution of those issues in near real time.
The objective of the Digital India Group is to come out with innovative ideas and practical solutions to realise Hon’ble Prime Minister Narendra Modi’s vision of a digital India. Prime Minister Modi envisions transforming our nation and creating opportunities for all citizens by harnessing digital technologies. His vision is to empower every citizen with access to digital services, knowledge and information. This Group will come up with policies and best practices from around the world to make this vision of a digital India a reality.
Pillars of Digital India
There are no extra points for guessing that the Indian Government has taken an ambitious step with the launch of the Digital India Movement. Apart from the cost of funding the movement, the government has highlighted some key aspects for the better implementation of the scheme. These milestones are known as the “Pillars of the Digital India.”
1. Broadband Highway – 
It is true that every rural village and town is still to come under the umbrella of digitization. There are many areas that are unaware of the power of internet and associated aspect. For addressing this issue, the government has thought about establishing broadband highways. Around 5 lakh rural areas will be connected by the broadband highway.
2. Universal access to Internet –
The dream of the central government to spread e-governance, transparency and information will not be successful if the people do not have access to internet. Thus, providing universal internet access for all is a must. With this, the government will also ensure access to phones as well.
3. Public Internet Access Programme –
The government has also highlighted on the need for developing internet programs for the public. With the help of these programs, the people will become aware of the importance and power of internet. 400,000 points of free PIA will be created.
4. e-Governance –
The central government is looking to make reforms in the structure of the system. Reforming the entire structure is not possible without the use of technology. Thus, with more use of internet and IT, the central as well as the state government will get a makeover.
5. e-Kranti – 
Apart from putting stress on the development of e-Governance, the central government also wants to put stress on developing the system of delivering services with the assistance of technology. It will make the service delivery process fast and effective.
6.Information for All –
The Constitution of the nation also provided the Right to Information. In this light, the government wants to use the power of internet and technology to provide common people of the country with the facility of acquiring information on any subject, at any time.
7. Electronics Manufacturing – 
Strengthening the IT base is not enough. The government has understood that stress must be put on the manufacturing of the electronic goods. If the people do not have access to the electronic goods, then they will not be able to take part in the digital revolution.
8. IT for Jobs – 
Once the government has prepared the base for digitization and encouraging the people to walk on that path, it needs to give the extra push in that direction by providing adequate job opportunities in the IT sectors. It will stop the educated Indians in traveling to other countries for better IT related jobs. Around 1.7 crore people will be trained properly for meeting the IT job requirements.
9. Early Harvest Programmes –
Apart from the long drawn projects, the government will also put stress on the development and the implementation of the programs, which will take less time to be implemented and produce an immediate effect on the lives of the common people.
Projects under Digital India Movement
The Digital India movement is not a singular scheme. It is a program that has a number of projects under it. With the successful implementation of these projects, the government will be able to acquire the success of the Digital India movement. The following are the projects that have been announced under the Digital India movement:
1. Digi Locker – 
We put our confidential documents in a locker for their safekeeping. The concept of the Digi Locker is the same. The only difference is it operates on the cloud technology. With the Digi Locker, one will be able to store their confidential documents in the cloud and access it whenever required. As the password for opening the locker will remain with that person, no one else will be able to steal the data.
2. Join Digital India 
The government wants common people to take an active part in the governance of the country or the state. For facilitating this, a digital platform has been created, called the MyGov.in where one will be able to provide inputs and discus about the various projects of the government. It works on the approach of “Discuss”, “Do” and “Disseminate”
3. e-Sign Framework –
Singing the documents is very important for giving authentication to the papers. But with the emergence of the concept of digital documents, the need to invent a method of signing the documents was felt. With the e-Sign Framework, people will be able to sign any digital document by providing the Aadhar Code for authenticating the process. The Aadhar card authentication is required to make sure that one person is not forging the signature of another
4. Swach Bharat Mission application – 
Another much talked about scheme is the Swachh Bharat Mission. Under the digital drive, the government launched the smartphone app for the scheme. With the assistance of the app, the people will be able to get the information about scheme and get closer to achieving a clean India.
5. National Scholarship Portal – 
The government has always tried to encourage the students for acquiring higher education and the deserving candidate also receive grants from the authority. With the launch of the National Scholarship Portal, the eligible candidates will get the information about the various scholarships and enroll accordingly. The portals will also provide details and requirements of every grant scheme. It will also assist the government in keeping a track on the scholarships and the students who are getting it.
6. e-Hospital –
For streamlining the medical field, the government has launched a portal that will assist the people in acquiring all services associated with the government hospitals. The name of the portal is e-hospital and it will provide the patients with the info that they require about the doctors, taking appointment, paying the fee, getting details on the availability of blood.
7.Digitize India Platform –
For acquiring an all-around development, the government needs data that must be put to use. For making the data available to the authority as well as the general people, the establishment of the Digitize India Platform was done. The portal will contain data and records that have been digitized for proper and faster dissemination. People from all walks of life will have the access to this platform and the responsibility of providing updated data depends on the government.
8. Bharat Net – 
The best way of providing internet facilities in the rural areas is by using the broadband services. Under the Bharat Net scheme, the government wants to connect all the 250,000 gram panchayats with internet. The speed of this broadband service will be fast and the internet connection will be made with the assistance of the optical fibre. Till date, no other country
Performance
On 28 December 2015,Panchkula district of Haryana was awarded for being the best as well as top performing district in the state under the Digital India campaign.The internet subscribers have increased to 500 million in India till April 2017.                                                                                      Stand up India scheme
Launched 5 April 2016
Launched by (prime minister): Narendra Modi
Standup India was launched by Prime Minister Narendra Modi on 5 April 2016 to support entrepreneurship among women and SC & ST communities
The scheme offers bank loans of between ₹10 lakh (US$16,000) and ₹1 crore (US$160,000) for scheduled castes and scheduled tribes and women setting up new enterprises outside of the farm sector.
About Stand up India scheme
Stand-Up India Scheme Facilitates bank loans between Rs 10 lakh and Rs 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. This enterprise may be in manufacturing, services or the trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or woman entrepreneur.
Objective of Stand up India scheme
The objective of the Stand-Up India scheme is to facilitate bank loans between 10 lakh and 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. This enterprise may be in manufacturing, services or the trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman entrepreneur.
The Stand up India Scheme is being launched to promoteentrepreneurship among people from schedule caste/schedule tribe and woman who will be provided loans starting from Rs 10 lakhs to Rs 100 lakhs.
Composite loan between Rs 10 lakh and upto Rs 1 crore will be provided to entrepreneurs for setting up new enterprise.
Debit Card (RuPay) for withdrawal of working capital.
Eligibility
1. SC/ST and/or woman entrepreneurs, above 18 years of age.
2. Loans under the scheme is available for only green field project. Green field signifies, in this context, the first time venture of the beneficiary in the manufacturing or services or trading sector.
3. In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held by either SC/ST and/or Women Entrepreneur.
4. Borrower should not be in default to any bank/financial institution.
Nature of Loan
Composite loan (inclusive of term loan and working capital) between Rs 10 lakh and upto Rs 100 lakh.
Purpose of Loan
For setting up a new enterprise in manufacturing, trading or services sector by SC/ST/Women entrepreneur.
Size of Loan
Composite loan of 75% of the project cost inclusive of term loan and working capital. The stipulation of the loan being expected to cover 75% of the project cost would not apply if the borrower’s contribution along with convergence support from any other schemes exceeds 25% of the project cost.
Interest Rate
The rate of interest would be lowest applicable rate of the bank for that category (rating category) not to exceed (base rate (MCLR) + 3%+ tenor premium).
Security
Besides primary security, the loan may be secured by collateral security or guarantee of Credit Guarantee Fund Scheme for Stand-Up India Loans (CGFSIL) as decided by the banks.
Repayment
The loan is repayable in 7 years with a maximum moratorium period of 18 months.
Working Capital
For drawal of Working capital upto Rs 10 lakh, the same may be sanctioned by way of overdraft. Rupay debit card to be issued for convenience of the borrower.
Working capital limit above Rs 10 lakh to be sanctioned by way of Cash Credit limit.
Margin Money
The Scheme envisages 25% margin money which can be provided in convergence with eligible Central / State schemes. While such schemes can be drawn upon for availing admissible subsidies or for meeting margin money requirements, in all cases, the borrower shall be required to bring in minimum of 10% of the project cost as own contribution.                                                   PM Scheme Part- 4 Make in India,PM Fasal Bima Yojana,Gram Uday As Bharat Uday, please click here

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