Showing posts with label Banking Awareness. Show all posts
Showing posts with label Banking Awareness. Show all posts

April 07, 2020

PM Scheme Part -9 AMRUT Yojana, Skill India, Mission Indradhanush,

PM Scheme Part-9 Atal Mission for Rejuvenation and Urban Transformation (AMRUT)
Established 24 June 2015
Atal Mission for Rejuvenation and Urban Development (earlier name JNNURM)
JNNURM Stands For "Jawaharlal Nehru National Urban Renewal Mission"
Sector: Urban planning
Launched by (prime minister): Narendra Modi
Ministry: Ministry of Housing and Urban Affairs
Atal Mission for Rejuvenation and Urban Transformation (AMRUT) along with smart cities were jointly planned and launched by the government to transform urban living conditions through infrastructure upgradation. AMRUT is aimed at transforming 500 cities and towns into efficient urban living spaces over a period of five years. Ministry of Urban Development has selected the five hundred cities with the help of state governments.
A project oriented development approach is adopted under the scheme in contrast to the area based approach of Smart Cities Mission. The Cabinet approved Rs 50,000 crore for this mission which is to be spent over a period five years. A unique feature of AMRUT is that it is a centrally sponsored scheme with 80% budgetary support from the Centre. Formula for Allocation of AMRUT cities among States was based on total population and number of statutory urban towns (50:50) 
Mission of AMRUT
is to
(i) ensure that every household has access to a tap with assured supply of water and a sewerage connection;
(ii) increase the amenity value of cities by developing greenery and well maintained open spaces (e.g. parks); and
(iii) reduce pollution by switching to public transport or constructing facilities for non-motorized transport (e.g. walking and cycling).
About ₹1 lakh crore (US$16 billion) investment on urban development under Smart Cities Mission and the Atal Mission for Rejuvenation and Urban Transformation of 500 cities has already been approved by the government.
Some of the broad targets of AMRUT scheme are ascertaining that every one has access to tap water and sewerage facilities, greenery like parks and open spaces are well maintained, digital and smart facilities like weather prediction, internet and WiFi facilities, pollution reduction by encouraging the public for using cheaper but secure public transport etc.                             Mission Indradhanush
Launched: 25 December 2014 by Union Health Minister J. P. Nadda
Main objective of Mission Indradhanush
The Mission Indradhanush, depicting seven colours of the rainbow, targets to immunize all children against seven vaccine preventable diseases namely
Diphtheria, Pertussis, Tetanus, Childhood Tuberculosis, Polio, Hepatitis B and Measles.
"As per the Indradhanush plan", the public sector banks will be provided with Rs. 10,000 crore in the next fiscal. Additional allocation would be made if required,” he said while presenting Budget 2017-18.
Under Indradhanush roadmap announced in 2015, the government will infuse Rs. 70,000 crore in state banks over four years while they will have to raise a further Rs. 1.1 lakh crore from the markets to meet their capital requirement in line with global risk norms, known as Basel-III.
In line with the blueprint, public sector banks has been given Rs. 25,000 crore in each fiscal, 2015-16 and 2016-17.
Besides, Rs. 10,000 crore each would be infused in 2017-18 and 2018-19.
Aim of expanding immunization coverage to all children across India by year 2020.
About Mission Indradhanush
Mission Indradhanush is a health mission of the government of India. It was launched by Union Health Minister J. P. Nadda on 25 December 2014.It aims to immunize all children under the age of 2 years, as well as all pregnant women, against seven vaccine preventable diseases.
In addition to this, vaccines for JE (Japanese Encephalitis) and Hib (Haemophilus influenzae type B) are also being provided in selected states. Immunization is the key to protect children from life threatening conditions that are preventable. As per MOHFW, immunization coverage in India has increased from 61% to 65% only from 2009-2013. So, MOHFW has decided to intensify its efforts in immunization though this mission.
Objectives of Mission Indradhanush
The government intends to cover 201 high focus districts in the first phase of year 2015. These districts have nearly 50% of all unvaccinated or partially vaccinated children. Out of these 201 districts, 82 districts lie in just four states of India namely, UP, Bihar, Madhya Pradesh and Rajasthan. Nearly 25% of the unvaccinated or partially vaccinated children of India live in these 82 districts of 4 states. Furthermore, another 297 districts will be targeted in the second phase of year 2015.
Goal And Strategy of Mission Indradhanush
The Mission is strategically designed to achieving high quality routine immunization coverage while contributing to strengthening health systems that can be sustained over years to come. In the last few years, India’s full immunization coverage has increased only by 1% per year. The Mission has been launched to accelerate the process of immunization and achieve full immunization coverage for all children in the country.
The Government has identified 201 high focus districts across 28 states in the country that have the highest number of partially immunized and unimmunized children.
Mission Indradhanush will target these districts through intensive efforts and special immunization drives to improve the routine immunization coverage in the country. Strategy
The government has planned to conduct four special vaccination campaigns between January and June 2015. All vaccines are already available free of cost under universal immunisation programme in India. Under this mission, government plans to intensify its efforts and thus increase accessibility of these vaccines to all the children of India. The ultimate goal of Mission Indradhanush is to ensure full immunization with all available vaccines for children up to two years and pregnant women.
Intensified Mission Indradhanush
Keeping up with its commitment to improve immunization coverage and addressing equity, MoHFW, GoI has implemented various intensification strategies including its flagship program, “Mission Indradhanush” launched in December 2014. Mission Indradhanush aimed to fully immunize more than 90% of new-borns by 2020 through innovative and planned approaches to reach all children. Under Mission Indradhanush, all the vaccines provided under Universal Immunization Program were administered to children and pregnant women. A total of 528 districts were covered during the various phases of Mission Indradhanush.
While acknowledging the impact of Mission Indradhanush in improving immunization coverage across the districts over the three phases, Hon’ble Prime Minister through PRAGATI platform, emphasized the need of a supplemental aggressive action plan to cover all left outs and drop outs in select districts and urban areas with low routine immunization coverage in a specific time-frame (December 2018). In the light of the above, Government of India is introducing “Intensified Mission Indradhanush (IMI)” in select districts and urban areas of the country to achieve the target of more than 90% coverage.
The strategy of IMI is to cover all left outs and drop outs in select districts and urban areas with low routine immunization coverage in a specific time-frame (December 2018). These districts will focus on improving immunization coverage through need based interventions in Intensified Mission Indradhanush drives, based on a comprehensive gap analysis, with strengthened involvement of relevant non-health departments and enhanced accountability frameworks. The gains thus achieved need to be sustained through strengthening health systems and microplanning by incorporating IMI sessions into routine immunizations sessions.
The key to effective implementation of targeted rapid interventions to improve the routine immunization coverage are;Inter-ministerial and inter-departmental coordination
Action based review mechanism Intensive monitoring and accountability framework IMI will focus on children up to 2 years of age and pregnant women who have missed out on routine immunization. However, vaccination on demand to children up to 5 years of age will be provided during IMI rounds.
Intensified Mission Indradhanush will primarily focus on:Areas with vacant sub centres-ANM not posted or absent for more than 3 monthsUnserved/low coverage pockets in sub-centre or urban areas, due to issues around vaccine hesitancy of program reach; sub centre/ANM catering to populations much higher than normsVillages/areas with three or more consecutive missed routine immunization sessions.                High risk areas identified by the polio eradication program that are not having independent routine immunization sessions and clubbed with some other routine immunization sessions such as;1. Urban slums with migratory population2. Nomadic sites (brick kilns, construction sites, other migrant settlements-fisherman villages, riverine areas with shifting populations, underserved and hard-to-reach populations-forested and tribal populations, hilly areas, etc.
Areas with low routine immunization coverage identified through measles outbreaks, cases of diphtheria and neonatal tetanus in the last two years. Intensified Mission Indradhanush Immunization drive will be spread over 7 working days starting from 7th of every month. These 7 days do not include holidays, Sundays and the routine immunization days planned in that week. After the completion of proposed 4 rounds, the states are expected to undertake measures to sustain the gains from IMI through activities like inclusion of IMI sessions in routine immunization plans. The sustainability of IMI will be assessed through a survey, and the decision to conduct another phase of IMI will be based on the findings of this survey
Mission Indhradhanush - Districts covered
Phase I - 201 districts
Phase II - 352 districts
Phase III - 216 districts
Phase IV - The fourth phase of Mission Indradhanush has already begun in North-eastern states - Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim and Tripu from 7th February 2017 and will be rolled out in rest of the country in April 2017.           Skill India                                     The scheme was launched by Prime Minister Narendra Modi Launched on 15th July 2015.
Ministry Skill Development and Entrepreneurship
Monitored by Ministry of Skill Development And Entrepreneurship
Skill Development in Youth 
and Making Skill available to All Youth of India
Details Description For "Skill India"
Skill India is a campaign launched by Prime Minister Narendra Damodardas Modi on 15 July 2015 which aim to train over 40 crore (400 million) people in India in different skills by 2022. It includes various initiatives of the government like "National Skill Development Mission", "National Policy for Skill Development and Entrepreneurship, 2015", "Pradhan Mantri Kaushal Vikas Yojana (PMKVY)" and the "Skill Loan scheme".
Various initiatives under this campaign are:
National Skill Development MissionNational Policy for Skill Development and Entrepreneurship, 2015Pradhan Mantri Kaushal Vikas Yojana (PMKVY)Skill Loan schemeRural India Skill
Role of Ministry of Skill Development And Entrepreneurship
The Ministry is responsible for co-ordination of all skill development efforts across the country, removal of disconnect between demand and supply of skilled manpower, building the vocational and technical training framework, skill up-gradation, building of new skills, and innovative thinking not only for existing jobs but also jobs that are to be created.
The Ministry aims to Skill on a large Scale with Speed and high Standards in order to achieve its vision of a 'Skilled India'. It is aided in these initiatives by its functional arms – National Skill Development Agency (NSDA), National Skill Development Corporation (NSDC), National Skill Development Fund (NSDF) and 33 Sector Skill Councils (SSCs) as well as 187 training partners registered with NSDC. The Ministry also intends to work with the existing network of skill development centres, universities and other alliances in the field. Further, collaborations with relevant Central Ministries, State governments, international organizations, industry and NGOs have been initiated for multi-level engagement and more impactful implementation of skill development efforts.
As of 15 February 2016, the "Indian Leather Development Programme" trained 51,216 youth in a span of 100 days and it plans to train 1,44,000 young persons annually. Four new branches of "Footwear Design & Development Institute" — at Hyderabad, Patna, Banur (Punjab) and Ankleshwar (Gujarat) — are being set up to improve training infrastructure. The industry is undergoing acute skill shortage and most of the people trained are being absorbed by the industry.
Skill India Developments
Oracle on 12 February 2016 announced that it will build a new 2.8 million sq. ft. campus in Bengaluru will be Oracle's largest outside of its headquarters in Redwood Shores, California.Oracle Academy will launch an initiative to train more than half-a-million students each year to develop computer science skills by expanding its partnerships to 2,700 institutions in India from 1,700 at present.
Japan's private sector is to set up six institutes of manufacturing to train 30,000 people over 10 years in Japanese style manufacturing skills and practices, primarily in the rural areas. Japan-India Institute of Manufacturing (JIM) and Japanese Endowed Courses (JEC) in engineering colleges designated by Japanese companies in India in cooperation between the public and private sectors would be established for this purpose. The first three institutes would be set up in Gujarat, Karnataka and Rajasthan in the summer of 2017.
In the budget of fiscal year 2017 - 18 the government of India has decided to set aside Rs. 17,000 crore, the highest ever allocation to this sector, in order to boost the Skill India Mission. At least ten million Indian youth enter the country’s workforce each year, but the employment creation in India has not been able to absorb this influx, making increasing unemployment a severe problem. Through this allocation the government aims at generating employment and providing livelihood to the millions of young Indians who enter the work force every year.
Investment by GovernmentThe government has invested Rs. 4000 crore in the launch of SANKALP (Skill Acquisition and Knowledge Awareness for Livelihood Promotion Programme), another big initiative under the Skill India Mission. Through this it aims at providing market relevant training to 350 million young Indians. Apart from this, the government would set up 100 India International Skills Centres that will conduct advanced courses in foreign languages to help youngsters prepare for overseas jobs.                                                                                                       PM Scheme part-10 Deendayal Upadhyaya Grameen Kaushalya Yojana, Atal Pension Yojana,please click here

PM scheme Part-8 MUDRA Yojana, PM Jan Dhan Yojana, Sukanya Samriddhi Scheme,

PM Scheme- Part-8 MUDRA"( Micro Units Development and Refinance Agency) Bank Loan Yojana
The scheme was launched on 8th April, 2015 by the Hon'ble Prime Minister Narendra Modi.
The Union Budget has announced a target of Rs. 2.44 lakh crore for Mudra Loans during 2017-18.
About Mudra Yojana
Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of Government of India to "fund the unfunded" by bringing such enterprises to the formal financial system and extending affordable credit to them. It enables a small borrower to borrow from all Public Sector Banks such as PSU Banks, Regional Rural Banks and Cooperative Banks, Private Sector Banks, Foreign Banks, Micro Finance Institutions (MFI) and Non Banking Finance Companies (NBFC) for loans upto Rs 10 lakhs for non-farm income generating activities.
Main Stages Of Mudra Bank Yojana
1. Shishu Up to RS 50 Thousand
This stage would cater to entrepreneurs who are either in their primitive stage or require lesser funds in order to get their businesses started. Under this stage the applicant would be eligible to get up to Rs 50,000 credit.
2. Kishor Up to Rs 5 Lakhs
This stage would cater to entrepreneurs who have requirement of funds in the range of Rs 50,000 and Rs 5 lakh. This section of entrepreneurs would belong to either those who have already started their business and want additional funds to mobile the business or those who simply require this much of money to start up their businesses.
3. Tarun Rs 10 Lakhs
If an entrepreneur meets the required eligibility conditions, he/she could apply for a loan up to Rs 10 lakh. This would be the highest level of amount that an entrepreneur could apply for a start up loan.
Benefits that flow to society from MUDRA BankLoans from Mudra Bank will help to bridge the shortfall in loans for small businesses , who are unable to get institutional credit.It also provides credit of up to Rs 10 lakh to small entrepreneurs, benefitting small manufacturing units, small shopkeepers, fruits and vegetable vendors, truck operators, hawkers, artisansin in rural and urban areas.It will also act as a partner with State and regional – level coordinators to grant financial assistance to last-mile financiers of small and micro business enterprises.It Offers a Credit Guarantee scheme for providing guarantees to loans being offered to micro businesses.                      Interest Rates for MUDRA Bank LoansThe bank offers nominal rates of interest based on the requirement. Here are the interest rates for loans of different schemes provided by the MUDRA Bank:
Banks offer loans up to Rs 50,000 under the Mudra Shishu Yojana. Being a basic scheme, a nominal interest rate of around 10% to 12% is charged for the loan.
A loan amount of Rs 5,00,000 is offered under Mudra Kishor Yojana. Categorized as unsecured loan and being a middle scheme the rate of interest ranges from 14% to 17% depending on the bank, where loan is availed.
The last scheme offered is the Mudra Tarun Yojana, where a loan amount of Rs 5,00,001 to Rs 10,00,000 can be availed. An unsecured loan, this comes with an interest rate of 16% and may vary according to the bank approached.
This was all about the industries covered by the MUDRA Bank and interest rates offered on the loan scheme. In order to avail a loan, all essential details should be furnished to the bank for a seamless procedure.
Eligible borrowers
Proprietary concern.
Partnership Firm.
Private Ltd. Company.
Public Company.
Any other legal forms.
The applicant should not be defaulter to any bank or financial institution and should have a satisfactory credit track record. The individual borrowers may be required to possess the necessary skills/experience/ knowledge to undertake the proposed activity. The need for educational qualification, if any, need to be assessed based on the nature of the proposed activity, and its requirement.
Purpose of Assistance/Nature of assistance.
Need based term loan/OD limit/composite loan to eligible borrowers for acquiring capital assets and/or working capital/marketing related requirements. The MUDRA loans are provided for income generating small business activity in manufacturing, processing, service sector or trading. The Project cost is decided based on business plan and the investment proposed. MUDRA loan is not for consumption/personal needs. For the purpose of working capital limit, MUDRA has launched a new product called “MUDRA Card”, which is a Debit card issued on RuPay platform, and provides hassle free credit in a flexible manner.
A. First charge on all assets created out of the loan extended to the borrower and the assets which are directly associated with the business/project for which credit has been extended.
B. DPN (wherever applicable).
C. CGTMSE (wherever felt desirable)/MUDRA Guarantee cover (as and when introduced).
In terms of RBI guidelines issued vide Master Circular on lending to MSME Sector dated July 01, 2014, in respect of loans upto 10 lakh, banks are mandated not to accept collateral security in the case of loans upto 10 lakh extended to units in the Micro Small Enterprises (MSE) Sector.
Banks are required to encourage their branch level functionaries to avail of the Credit Guarantee Scheme cover, wherever felt desirable.     Pradhan Mantri Jan Dhan Yojana
Launched on 28th August 2014
To give financial services to weaker section of society.
About Pradhan Mantri Jan Dhan Yojana
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings and Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.
Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. Accounts opened under PMJDY are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.
Pradhan Mantri Jan-Dhan Yojana(P.M.J.D.Y), Prime Minister's People Money Scheme is India's National Mission for Financial Inclusion to ensure access to financial services, namely Banking Savings and Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. This financial inclusion campaign was launched by the Prime Minister of India Narendra Modi on 28 August 2014. He had announced this scheme on his first Independence Day speech on 15 August 2014.
Run by Department of Financial Services, Ministry of Finance, on the inauguration day, 1.5 Crore (15 million) bank accounts were opened under this scheme.Guinness World Records Recognises the Achievements made under PMJDY, Guinness World Records Certificate says "The most bank accounts opened in 1 week as a part of financial inclusion campaign is 18,096,130 and was achieved by Banks in India from 23 to 29 August 2014". By 1 February 2017, over 27 crore (270 million) bank accounts were opened and almost ₹665 billion (US$10 billion) were deposited under the scheme.
Objective of Pradhan Mantri Jan-Dhan Yojana
"Pradhan Mantri Jan-Dhan Yojana (PMJDY)" is ensuring access to various financial services like availability of basic savings bank account, access to need based credit, remittances facility, insurance and pension to the excluded sections i.e. weaker sections & low income groups. This deep penetration at affordable cost is possible only with effective use of technology.
PMJDY is a National Mission on Financial Inclusion encompassing an integrated approach to bring about comprehensive financial inclusion of all the households in the country. The plan envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension facility. In addition, the beneficiaries would get RuPay Debit card having inbuilt accident insurance cover of र 1 lakh. The plan also envisages channeling all Government benefits (from Centre / State / Local Body) to the beneficiaries accounts and pushing the Direct Benefits Transfer (DBT) scheme of the Union Government. The technological issues like poor connectivity, on-line transactions will be addressed. Mobile transactions through telecom operators and their established centres as Cash Out Points are also planned to be used for Financial Inclusion under the Scheme. Also an effort is being made to reach out to the youth of this country to participate in this Mission Mode Programme.
In a run up to the formal launch of this scheme, the Prime Minister personally mailed to Chairmans of all PSU banks to gear up for the gigantic task of enrolling over 7.5 crore (75 million) households and to open their accounts.In this email he categorically declared that a bank account for each household was a "national priority". The scheme has been started with a target to provide 'universal and clear access to banking facilities' starting with "Basic Banking Accounts" with overdraft facility of ₹5,000 (US$78) after six months and RuPay Debit card with inbuilt accident insurance cover of ₹1 lakh (US$1,600) and RuPay Kisan Card. As many as 1,767 claims were settled toward accidental insurance to RuPay Card holders under the government's flagship financial inclusion programme Pradhan Mantri Jan Dhan Yojana (PMJDY) as said by PM on 15 August 2017. In next phase, micro insurance & pension etc. will also be added.
Under the scheme:
Account holders will be provided bank accounts with no minimum balance.RuPay debit cards will be issued.Accidental insurance cover of ₹1 lakh (US$1,600).After six months of opening of the bank account, holders will be eligible for ₹5,000 (US$78) overdraft from the bank.With the introduction of new technology introduced by National Payments Corporation of India (NPCI), a person can transfer funds, check balance through a normal phone which was earlier limited only to smart phones.Mobile banking for the poor would be available through National Unified USSD Platform (NUUP) for which all banks and mobile companies have come together
Document required to open an account under Pradhan Mantri Jan-Dhan Yojana
An account can be opened by presenting an officially valid document.
(1) the passport
(2) the driving licence
(3) the Permanent Account Number (PAN) Card
(4) the Voter’s Identity Card issued by Election Commission of India
(5) job card issued by NREGA duly signed by an officer of the State Government
(6) the letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number, or
(7) any other document as notified by the Central Government in consultation with the Regulator: Provided that where simplified measures are applied for verifying the identity of the clients the following documents shall be deemed to be officially valid documents:—
(A) identity card with applicant's Photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions;
(B) letter issued by a Gazetted officer, with a duly attested photograph of the person.
Reserve Bank of India (RBI), vide its Press Release dated 26.08.2014, has further clarified that those persons who do not have any of the ‘officially valid documents’ can open “Small Accounts” with banks. A “Small Account” can be opened on the basis of a self-attested photograph and putting his/her signatures or thumb print in the presence of officials of the bank. Such accounts have limitations regarding the aggregate credits (not more than Rupees one lakh in a year), aggregate withdrawals (nor more than Rupees ten thousand in a month) and balance in the accounts (not more than Rupees fifty thousand at any point of time). These accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to continue for a further period of twelve more months, if the account-holder provides a document showing that he/she has applied for any of the Officially Valid Document, within 12 months of opening the small account.
Special Benefits under PMJDY Scheme
Interest on deposit.
Accidental insurance cover of Rs. 1 lac
No minimum balance required.
The scheme provide life cover of Rs. 30,000/- payable on death of the beneficiary, subject to fulfillment of the eligibility condition.
Easy Transfer of money across India
Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts. After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
Access to Pension, insurance products.
The Claim under Personal Accidental Insurance under PMJDY shall be payable if the Rupay Card holder have performed minimum one successful financial or non-financial customer induced transaction at any Bank Branch, Bank Mitra, ATM, POS, E-COM etc. Channel both Intra and Inter-bank i.e. on-us (Bank Customer/rupay card holder transacting at same Bank channels) and off-us (Bank Customer/Rupay card holder transacting at other Bank Channels) within 90 days prior to date of accident including accident date will be included as eligible transactions under the Rupay Insurance Program 2016-2017.
Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.                               Sukanya Samriddhi Scheme
Launched on 22 January 2015.
The scheme was launched by Prime Minister Narendra Modi on 22 January 2015 as a part of the Beti Bachao,Beti Padhao campaign.
The scheme currently provides an interest rate of 9.2% and tax benefits.
Key Audience -Girl Child Below 10 Years
The account can be opened at any India Post office or abranch of some authorised commercial banks
SSY Launched under the scheme Beti Bachao, Beti Padhao Yojana
About Sukanya Samriddhi Yojana or Sukanya Samriddhi Account(A Small Savings Scheme)
The Sukanya Samriddhi Yojana is as girl child prosperity scheme under Beti Bachao Beti padhao program of Prime Minister Narendra Modi. SSY account is to ensure a bright future for girl children in India. This yojana is to facilitate them proper education and care free marriage expenses. The scheme has well been accepted by the masses in wake of the financial security and independence it would provide to the girl child as well as their parents and guardians.
Eligibility Criteria of the scheme Sukanya Samriddhi Account
1. Only for Indian Citizens –The benefits of the scheme are available only for those girls who are born within the borders of India and plan on staying in the country for the entire tenure of the SSS. The NRIs will not be permitted to invest in this scheme.
2. For girls under the age of 10 –The guidelines of the SSS clearly highlight that only those parents will be allowed to open the account and invest money who have daughters who have still not attained the age of 10 years.
Bank Saving Details For Sukanya Samriddhi Account
Sbi Bank Saving Schemes
Sukanya Samriddhi Accounthas has been introduced vide Government of India Notification No. G.S.R.863(E) dated December 02, 2014 and circulated to Banks by Reserve Bank of India vide their letter No.RBI/2014-15/494/IDMD(DGBA).CDD/No.4052/15.02.006/2014-15 dated 11th March 2015. Facility to open accounts under the scheme is now available at all SBI branches.
Objective: To promote the welfare of Girl Child
Who can open the account:A natural/ legal guardian on behalf of a girl child
Maximum number of accounts:Upto two girl children or three in case of twin girls as second birth or the first birth itself results in three girl children Minimum and Maximum Amount of Deposit: Min.1000 of initial deposit with multiple of one hundred rupees thereafter with annual ceiling of Rs.150000 in a financial year
Tenure of the Deposit: 21 years from the date of opening of the account Maximum period upto which deposits can be made: 14 years from the date of opening of the account.
Interest on Deposit: As notified by the GOI, compounded annually with option for monthly interest pay-outs to be calculated on balance in completed thousands.( Current rate 8.60%w.e.f 1st April, 2016)
Tax Rebate:As applicable under section 80C of the IT Act, 1961. In the latest Finance Bill, the scheme has been extended Triple exempt benefits i.e. there will be no tax on the amount invested, amount earned as interest and amount withdrawn.
Premature Closure: Allowed in the event of death of the depositor or in cases of extreme compassionate grounds such as medical support in life threatening diseases to be authorized by an order by the Central Government
Irregular Payment/ Revival of account: By payment of penalty of Rs.50 per year alongwith the minimum specified amount per year
Mode of Deposit: Cash/Cheque/ Demand Draft/ Transfer/ online transfers through internet Banking .
SIP :Standing Instructions can be given either at the Branch or set through Internet Banking for automatic credit to Sukanya Samriddhi Account.
Withdrawal : 50% of the balance lying in the account as at the end of previous financial year for the purpose of higher education, marriage after attaining the age of 18 years.
Post Office Saving Schemes
A legal Guardian/Natural Guardian can open account in the name of Girl Child.A guardian can open only one account in the name of one girl child and maximum two accounts in the name of two different Girl children.Account can be opened up to age of 10 years only from the date of birth. For initial operations of Scheme, one year grace has been given. With the grace, Girl child who is born between 2.12.2003 & 1.12.2004 can open account up to 1.12.2015.Account can be closed after completion of 21 years.Normal Premature closure will be allowed after completion of 18 years provided that girl is married.
Key Pointers Till a girl attains an age of 10 years, this account can be opened under her name Only one account under this scheme is permissible for every girl child Walk into any post office or authorized banks to open the account To open an account under SSAY, Birth Certificate of the girl child would be required to submit
The opening amount for the account is Rs 1,000. Thereafter a multiple of Rs 100 can be deposited to the account with a minimum of Rs 1,000 per year The maximum limit for deposits in the account is Rs 1,50,000 per year You have to pay in this scheme for 14 years Suppose you have opened this account when the age of your girl child was X years then you have to pay in this scheme till your girl child age is X + 14 Year.
The maturity duration of the account is 21 years from the date of opening the account. SSY Account is transferable to anywhere in India from a Post office or bank to others.
The scheme comes from Ministry of Finance under its notification GSR 863(E). This notification was published on 02 December 2014. The scheme will operate with the name Sukanya Samriddhi Account Rules, 2014.
Documents required for the application
If you are interested in opening a Sukanya Samriddhi Account, you will have to provide the following documents during the application process:
1. Birth certificate of the girl – There is an age limit for opening the SSA. The account can only be opened in the name of girls who are less than 10 years. For this, it is mandatory for the parents to provide photocopy of birth certificate of the female child. The birth certificate will support the age claims.
2. Address proof of the guardians – To make sure that the child and the parents are residents of the country, producing the photocopy of the legal address proof is a must. PAN card, Voter ID card or Aadhar Card will be enough.
3. Identification proof of the parents – Only the legal guardians, birth or adopting parents have the right to open an account for securing the future of the girl children. Thus, to support the claim, the parents will have to produce ID proof.                                                                                                        PM Scheme Part -9 AMRUT Yojana, Skill India, Mission Indradhanush, please click here

PM Scheme Part-7 UMANG scheme, PM Ujjwala Yojana, Swadesh Darshan And PRASAD scheme,

PM Scheme Part-7 UMANG (Unified Mobile Application for New-age Governance)
On 23 November 2017 this app service was launched by the Prime Minister Narendra Modi
At the fifth edition of the Global Conference on Cyberspace in New Delhi.
e-governance app was developed by Ministry of Electronics and Information Technology (MeitY) and National e-Governance Division (NeGD)
Available in 13 Languages of India
Operating system -Android, iOS, Windows, USSD
Type - Online service provider, DigiLocker, Bharat Bill Payment System
About UMANG (Unified Mobile Application for New-age Governance)
UMANG (Unified Mobile Application for New-age Governance) is envisaged to make e-governance . It is developed by Ministry of Electronics and Information Technology (MeitY) and National e-Governance Division (NeGD) to drive Mobile Governance in India.
UMANG provides a single platform for all Indian Citizens to access pan India e-Gov services ranging from Central to Local Government bodies and other citizen centric services. UMANG intends to provide major services offered by Central and State Government departments, Local bodies and other utility services from private organizations. It provides a unified approach where citizens can install one application to avail multiple government services.
UMANG service has been made available on multiple channels like mobile application, web, IVR and SMS which can be accessed through smartphones, feature phones, tablets and desktops. UMANG has been created with a thought to add convenience to your lifestyle. UMANG will revolutionize the way how an Indian citizen avails government services today, because it leverages the current accelerated internet and smartphone penetration in our country.
UMANG or Unified Mobile Application for New-age Governance, is a Government of India all-in-one single unified secure multi-channel multi-platform multi-lingual multi-service freeware mobile app for accessing over 1,200 central and state government services in multiple Indian languages over Android, iOS, Windows and USSD (feature phone) devices, including services such as AADHAR, DigiLocker, Bharat Bill Payment System, PAN, EPFO services, PMKVY services, AICTE, CBSE, tax and fee or utilities bills payments, education, job search, tax, business, health, agriculture, travel, Indian railway tickets bookings, birth certificates, e-District, e-Panchayat, police clearance, passport, other utility services from private companies and much more.This a key component of Digital India government initiative to make all traditional offline government services available 24/7 online through single unified app. App is initially available in 13 language and will replace or compliment 1500 apps launched by the government so far.Progressively more services will be brought online. This e-Gov service can be accessed via multiple channels, such as mobile app, IVR, website, etc. User numbers will be boosted by the roll out of BharatNet. Users can Create and update Profile, Sort & Filter through categories and services, or search to access relevant services while on the move.
How does the Umang app work?
Go to the Play store or App store to download the app, if you can find the application you can also give a missed call to 97183-97183 or SMS to get the app download link on your number. After installing the application on your device you will need to create a profile by entering your name, age, phone number and you can also upload your picture if need be. Umang also lets you link your Aadhaar number and also other social media accounts with the application. After creating a Umang account, you can go to the services section on the app and sort, filter through categories and services. You can simply enter the name of the category of the service that you're looking for and Umang will display the list of the related apps. For instance, if you type "Crop" Umang will list out apps like Agro advisory, Soil health card and so on.
"Apart from more than 150 government services, you can use #Umang for payment of various utility bills as well. Please download Umang and share your feedback with us," notes Law and Justice, Information Technology Minister of India Ravi Shankar Prasad. At present, around 45 services are linked to Umang including services related to - Aadhaar card, AICTE, Bharat BillPay, Bharat Gas, CBSE, DigiSevak, EPFO, My Pan NPS, Pay Income Tax and much more. Umang will be providing integration with various other services such as PayGov in the days to come.
History of UMANG
On 23 November 2017 this app service was launched by the Prime Minister Narendra Modi at the fifth edition of the Global Conference on Cyberspace in New Delhi.Conceived in 2016, this e-governance app was developed by Ministry of Electronics and Information Technology (MeitY) and National e-Governance Division (NeGD), and went through several rounds of beta tests since November 2016 before its launch.At the time of launch the app had 162 services from 33 state and central government departments and four states, a number that will soon go up to 1,200 and more.
Target users
App is for every one who needs to interact with any government or semi-government depart at centre, state or local level in India. It makes available online plethora of off-line services through single unified app. Customer Support is available from 8 am to 8 pm all days of the year. Users can create or change Profile, browse Service Dictionary, check Transaction History, view their DigiLocker and change Settings of the app. App homepage shows recently viewed services, new services, recently updated services, trending services section, top rated services and suggested services, with ability to bookmark favorite services.
Platform & technology
This multiplatform app is available on Android, iOS, Windows, USSD.The app can be downloaded from google playstore, by giving a miss call to 97183-97183, by scanning app QR code or by submitting own cell phone number on app homepage.It is available for via multiple channels, such as mobile application, web, IVR and SMS which can be accessed through smartphones, feature phones and computers.
User Statistics
1.2 billion Indians and many more who interact with Indian government are potential users.                                           Swadesh Darshan Scheme and PRASAD
In pursuance of the budget announcement 2014-15, the Ministry of Tourism has launched two new plan schemes (i) “National Mission on Pilgrimage Rejuvenation and Spiritual Augmentation Drive (PRASAD)” and (ii) “SWADESH DARSHAN”. Both the schemes are to be implemented in mission mode. Developing world-class infrastructure in the respective destinations/circuits is one of the mission objectives of the schemes. 
Under PRASAD, initially, twelve cities namely Amritsar, Ajmer, Amaravati, Dwaraka, Gaya, Kanchipuram, Kedarnath, Kamakhya, Mathura, Puri, Varanasi and Vellankani have been identified for development.
The Union Budget 2017-18 has announced that Government will set up five Special Tourism Zones in partnership with States.
These five special zones will be anchored as Special Purpose Vehicles (SPVs) that will be set up in partnership with the States. In this budget, government has allocated Rs. 1,840.77 crore to the Tourism Ministry, Rs. 250 crore more in the 2017-18 fiscal.
Other tourism related announcements in Budget
To boost the image of India in the international travel market Incredible India 2.0 Campaign will be unveiled across the world the nancial year 2017-18.
959.91 crore has been allocated for the Integrated Development of Tourist Circuits around specific themes under Swadesh Darshan scheme.100 crore has been allocated for Pilgrimage Rejuvenation and Spiritual Augmentation Drive (PRASAD). Rs. 412 crore provided for promotion and publicity of various programmes and schemes.Besides, Government has asked the Railways to start dedicated trains for tourism and pilgrimage purposes.              Swadesh Darshan Scheme:
Under it, 13 thematic circuits have been identied for development, namely North-East India Circuit, Buddhist Circuit, Himalayan Circuit, Coastal Circuit, Krishna Circuit, Desert Circuit, Tribal Circuit, Eco Circuit, Wildlife Circuit, Rural Circuit, Spiritual Circuit, Ramayana Circuit and Heritage Circuit.
Swadesh Darshan Scheme Key Features
The scheme was completely funded by the central government of India. There are 13 cities that are under consideration of development. These 13 cities are all pilgrimage sites. There are 13 tourist circuits that are proposed and started under the scheme. Under these 13 circuits there are many cities and sites are added for the visitors to get down there and enjoy their holiday. The scheme is a joint venture by the central government and ministry of tourism. By launching the scheme both the ministry will be able to develop the heritage cities of the nation and conserve them for the tourists from across the globe.
The objectives of Swadesh Darshan Scheme:
(a) Develop circuits having tourist potential in a planned and prioritized manner;
(b) Integrated development of infrastructure in the identified theme-based circuits;
(c) Promote cultural and heritage value of the country;
(d) Provide complete tourism experience with varied thematic circuits;
(e) Enhancing the tourist attractiveness in a sustainable manner by developing world-class infrastructure in the circuit destination;
(f) Follow community-based development and pro-poor tourism approach;
(g) Creating awareness among the local communities about the importance of tourism for them in terms of increase in sources of income, improved living standards and overall development of the area;
(h) Promote local arts, culture, handicrafts, cuisine, etc., to generate livelihood in the identi-fied regions;
(i) Harness tourism potential for its direct and multiplier effects in employment generation and economic development;
(j) Leverage public capital and expertise.
Under Swadesh Darshan, the following five circuits have been identified for development:-a) North East Circuitb) Buddhist Circuitc) Himalayan Circuitd) Coastal Circuite) Krishna Circuit
Tourist Circuit and Swadesh Darshan Scheme
1.Buddhist Circuit
2.Coastal Circuit
3.Krishna Circuit
4.Ramayana Circuit
5.Desert Circuit
6.Spiritual Circuit
7.North-East Circuit
8.Himalayan Circuit
9.Heritage Circuit
10.Tribal Circuit
11.Rural Circuit
12.Eco Circuit
13.Wildlife Circuit
PRASAD Scheme:
Under it, 13 cities Ajmer, Amritsar, Amravati, Dwarka, Gaya, Kamakhaya, Kancheepuram, Kedarnath, Mathura, Patna, Puri, Varanasi and Velankanni have been identied for development
The objectives PRASAD Scheme:
• Integrated development of pilgrimage destinations in a planned, prioritized and sustainable manner to provide complete religious tourism experience.
• Harness pilgrimage tourism for its direct and multiplier effects on employment generation and economic development.
• Follow community-based development and pro-poor tourism concept in development of the pilgrimage destinations. • Leveraging public capital and expertise.
• Enhancing the tourist attractiveness in a sustainable manner by developing world-class infrastructure in the religious destination.
• Creating awareness among the local communities about the importance of tourism for them in terms of increase in sources of income, improved living standards and overall development of the area. • Promote local arts, culture, handicrafts, cuisine, etc., to generate livelihood in the identified places.
Under the ‘PRASAD’ scheme the focus is on development and beautification of the identified pilgrimage destinations. Whereas, in the ‘Spiritual Circuit’ identified under the Swadesh Darshan scheme, the thrust is on development of particular thematic circuit consisting of various religious/spiritual destination in a State and Union Territory.                                                                  Pradhan Mantri Ujjwala Yojana (PMUY)
Launch Date 01 May 2016 by Narendra Modi Government
Main objective Provide LPG connections to women from BPL households
Other objectives Reduce health hazards/diseases and air pollution caused by the use of unclean fossil fuels
Target Distribution of LPG connections among 5 Crore BPL households by the year 2018-19
Time Frame 3 Years, FY 2016-17, 2017-18 and 2018-19
Total Budget Rs. 8000 Crore
Financial Assistance Rs. 1600/- per LPG connection
Eligibility BPL candidates available in SECC-2011 data Other benefits EMI facility for meeting the cost of stove and refill
About Ujjwala Yojna
Pradhan Mantri Ujjwala Yojana is an ambitious social welfare scheme of Narendra Modi Government launched on 1st May 2016 from Ballia in Uttar Pradesh. Under the PM Ujjwala Yojana, the government aims to provide LPG connections to BPL households in the country. The scheme is aimed at replacing the unclean cooking fuels mostly used in the rural India with the clean and more efficient LPG (Liquefied Petroleum Gas).
PMUY is likely to result in an additional employment of around 1 Lakh and provide business opportunity of at least Rs. 10,000 Cr. over the next 3 Years to the Indian Industry. Launch of this scheme will also provide a great boost to the "Make in India" campaign as all the manufacturers of cylinders, gas stoves, regulators, and gas hose are domestic.
The launch of PMUY in Ballia was followed by launch of the scheme in Dahod in Gujarat by Petroleum Minister Shri Dharmendra Pradhan and BJP President Shri Amit Shah. PMUY has also been launched in several districts in UP and Bihar.
Objectives of Pradhan Mantri Ujjwala Yojana
Ujjwala Yojana is aimed at providing 5 Crore LPG connections in the name of women in BPL (Below Poverty Line) households across the country. The government has set a target of 5 Crore LPG connections to be distributed to the BPL households across the country under the scheme. Some of the objectives of the scheme are
Empowering women and protecting their health.Reducing the serious health hazards associated with cooking based on fossil fuel.Reducing the number of deaths in India due to unclean cooking fuel.Preventing young children from significant number of acute respiratory illnesses caused due to indoor air pollution by burning the fossil fuel.                                        How to Apply for Pradhan Mantri Ujjwala Yojana
The eligible women candidates from BPL families can apply for the scheme by filling up the Ujjwala Yojana KYC application form and attach required documents along with the form. The basic details such as Name, Contact details, Jan Dhan / Bank account number, Aadhar card number etc are required to fill in the application form. The applicants also need to mention their requirement of cylinder type i.e. 14.2KG or 5KG. KYC Application forms for Ujjwala Yojana can also be downloaded online and submitted to nearest LPG outlet along with required documents.
Eligibility for PM Ujjwala Yojana
The applicant should be a women above the age of 18 years.
The women applicant should belong to BPL (Below Poverty Line).
The women applicant should have a saving bank account in any nationalized bank across the country.
The applicant’s household should not already own a LPG connection in anyone’s name.
Below is the list of mandatory documents to be attached along with the filled application form.
BPL Certificate Authorized by Panchayat Pradhan / Municipality Chairman
BPL Ration CardOne Photo ID (Aadhar Card or Voter ID Card)One Recent Passport Size PhotographBudget and Funding of Pradhan Mantri Ujjwala Yojana
The government has already allocated Rs. 2000 crore for the Ujjwala Yojana implementation for the financial year 2016-17. Government will distribute LPG connections to about 1.5 Crore BPL families within the current financial year.
A total budgetary allocation of Rs. 8000 Crore has been made by the government for the implementation of the scheme over three years. The scheme will be implemented using the money saved in LPG subsidy through the “Give-it-Up” campaign.Financial Assistance
The scheme provides a financial support of Rs. 1600 for each LPG connection to the eligible BPL households. The connections under the scheme will be given in the name of women head of the households.
The government will also provide EMI facility for meeting the cost of stove and refill.
Implementation of PM Ujjwala Yojana
The scheme will be implemented by the Ministry of Petroleum & Natural Gas. This is first time in the history that Ministry of Petroleum and Natural Gas is implementing such an enormous welfare scheme which will benefit Crores of women belonging to the poorest households.
This Scheme would be implemented over three years, namely, the FY 2016-17, 2017-18 and 2018-19.
Current state of LPG distribution in India
India is home to more than 24 Crore households out of which about 10 Crore households are still deprived of LPG as cooking fuel and have to rely on firewood, coal, dung – cakes etc. as primary source of cooking.    
Ujjwala Yojana has been launched in 7 states after its countrywide launch on May 1st by Narendra Modi.   PM scheme Part-8 MUDRA Yojana, PM Jan Dhan Yojana, Sukanya Samriddhi Scheme, please click here

PM Scheme Part-6 Soil health card scheme, Deendayal Upadhyaya Gram Jyoti Yojana, PM Sansad Adarsh Yojana,

PM Scheme- Part-6 Soil Health Card Scheme
Launched 17 February 2015
Budget ₹568 crore (US$89 million)
The scheme aims at promoting soil test based and balanced use of fertilisers to enable farmers to release higher yields at lower cost.
Plans - The target for 2015–16 is to collect 100 lakh soil samples and test these for issue of soil health cards.2 crore cards are under printing and will be distributed before March 2016.The government plans to distribute 14 crore soil health cards by 2017
About Soil Health Card Scheme
Soil Health Card Scheme is a very beneficial scheme for farmers. There are so many illiterate farmers in India. And they do not know which types of crops they should grow to get maximum yield. Basically, they do not know the quality and the type of their soil. They might know by experience what crops grow and what crops fail. But they don’t know what they can do to improve the condition of the soil.
So, the Soil Health Card Scheme is an initiative by Prime Minister for the welfare of farmers. Under the scheme, the farmers will get a soil health card. This card will contain details about what kind of soil is there in the farmers’ land. Also, it will list what crops they can grow in their land to get maximum profits. And what corrective measures the farmers can take to improve the yield.
Under the scheme, the government plans to issue soil cards to farmers which will carry crop-wise recommendations of nutrients and fertilisers required for the individual farms to help farmers to improve productivity through judicious use of inputs. All soil samples are to be tested in various soil testing labs across the country. Thereafter the experts will analyse the strength and weaknesses (micro-nutrients deficiency) of the soil and suggest measures to deal with it. The result and suggestion will be displayed in the cards. The government plans to issue the cards to 14 crore farmers.
Key Features of the Soil Health Card SchemeThe government is planning to cover as many as 14 crore farmers under the scheme.The scheme will cover all the parts of the country.In the form of soil card, the farmers will get a report. And this report will contain all the details about the soil of their particular farm.A farm will get the soil card once in every 3 years.                     The Soil Health Card Scheme will do a proper review of the sample of the soil. And after the review, a soil health card will be prepared which will contain below details.Health of the soil.Functional characteristics of the soil.The content of water and various nutrients in the soil.If the soil has any additional properties, the card would list those.The corrective measures which a farmer can take to improve the flaws of his soil.Performance
As of July 2015, only 34 lakh Soil Health Cards (SHC) were issued to farmers as against a target of 84 lakh for the year 2015–16. Arunachal Pradesh, Goa, Gujarat, Haryana, Kerala, Mizoram, Sikkim, Tamil Nadu, Uttarakhand and West Bengal were among the states which had not issued a single SHC under the scheme by then.The number grew up to 1.12 crore by February 2016.As of February 2016, against the target of 104 lakh soil samples, States reported a collection of 81 lakh soil samples and tested 52 lakh samples.            Deendayal Upadhyaya Gram Jyoti Yojana
Date of launch - 25th July, 2015
Launched by PM Narendra Modi
Budget of ₹756 billion (US$12 billion)
Minister of Power and Energy (IC) - Shree Piyush Goyal
Working area - Power Supply In Rural Areas
Supervision - Ministry of Power, Coal, New and Renewable Energy.
Earlier existing scheme Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY)
It is one of the key initiatives of the NDA government 2014-2019.
The initiative is named in honor of Indian political philosopher Deen Dayal Upadhyaya.
About Deendayal Upadhyaya Gram Jyoti Yojana
The DDUGJY scheme will enable to initiate much awaited reforms in the rural areas. It focuses on feeder separation (rural households & agricultural) and strengthening of sub-transmission & distribution infrastructure including metering at all levels in rural areas. This will help in providing round the clock power to rural households and adequate power to agricultural consumers .The earlier scheme for rural electrification viz. Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY) has been subsumed in the new scheme as its rural electrification component.
The Ministry of Power has launched a new app, GARV-II app to provide real-time data of all six lakh villages of the country. The app is envisaged to ensure transparency in the implementation of rural electrification programme. The new app will also enable the citizens to participate in the developmental works and can give their feedback and inputs related to the rural electrification programme. The participation of Citizens will enable public scrutiny of the rural electrification programmes. In addition, the village-wise works sanctioned under Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY) has been mapped to scrutinise the progress of work carried out under the project in each village.
The deadline for the Centre's rural electrification programme is May 2018.
Main Features Or Objective For Deen Dayal Upadhyaya Gram Jyoti Yojana
Agricultural Feeder separation under the Deen Dayal Upadhyaya Gram Jyoti yojana (DDUGJY) :
There are few components associated with the DDUGJY scheme launched successfully throughout the country, which aims to total electrification of the nation, mainly in the rural areas. Feeder separation in agricultural is one of the major components of this scheme. With this component, the Govt. will be able to separate all the technical infrastructures associated with the agricultural consumers. This will make the non – agricultural components independent and will have better electrification facilities. Efficient rural electrification under the DDUGJY can only be obtained via proper measures of feeder segregation because cutting off of agricultural power supply will not result to cutting of power supplies to homes, schools, etc. Thus, the household will get ample amount of power supply, even if agricultural power supply gets interrupted.
DDUGJY satisfying increasing power supply demand :
The demand of power supply, mainly in rural areas was increasing day by day throughout the nation. As a result of which, frequent load shedding and power shortage was inevitable. The new DDUGJY scheme in India was a launched which was treated as the permanent solution to the power owes in the nation. Day by day, the population of the country is multiplying, resulting in exponential increase in power demand. The Govt. if worked with the traditional techniques or power management and distribution would never be able to cope up with the situation. Hence, the DDUGJY scheme is a revitalizing technique to bring reforms and modernization in power production, transmission and distribution not only in the cities, but also in rural areas.
Modernization of sub – transmission techniques under the DDUGJY scheme :
Sub-transmission is a very vital technique which is implemented in power transmission system. The sub-transmission is a low voltage power transmitting technique which is used because the main transmission systems carry higher voltages and it is not efficient to transmit it. Hence, the sun-transmitting is used to convey the power supply onto the semi rural and rural areas. The DDUGJY scheme aims to regroup and strengthen the sun-transmission system in the country so that, less loops in the power transmission system can be obtained, resulting in efficient electrification of the areas.
Improving the distribution network under the DDUGJY scheme :
Earlier before the launch and implementation of DDUGJY scheme, it was seen that the distribution companies / agencies which were assigned to do run the distribution part were underperforming due to several issues, one of them was lack of proper funds. Hence, the Govt. wanted to improve the power distribution network across the country under the DDUGJY scheme. A major chunk of the corpus allocation of DDUGJY scheme will go for financially strengthening the distribution network to achieve high electrification of both rural and urban areas.
Metering consumers under DDUGJY scheme :
Under the DDUGJY scheme, one very important step was taken by metering all the consumers throughout the nation. This will not only bring transparency in the system, but also will save Govt. for further incurring huge losses due to illegal power and electricity consumption. The commercial viability of electrification of entire nation will be done through this metering process. All categories of consumers, be it a single household or an industry must have metered power supply under the DDUGJY scheme.
Keeping in view the above problems, Ministry of Power, Government of India has launched Deen Dayal Upadhyaya Gram Jyoti Yojana for rural areas having following objectives:
To provide electrification to all villagesFeeder separation to ensure sufficient power to farmers and regular supply to other consumersImprovement of Sub-transmission and distribution network to improve the quality and reliability of the supplyMetering to reduce the losses
BenefitsAll villages and households shall be electrifiedIncrease in agriculture yieldBusiness of Small and household enterprises shall grow resulting in new avenues for employmentImprovement in Health, Education, Banking (ATM) servicesImprovement in accessibility to radio, telephone, television, internet and mobile etc.Betterment in social security due to availability of electricityAccessibility of electricity to schools, panchayats, hospitals and police stations etc.Rural areas shall get increased opportunities for comprehensive development.    Pradhan Mantri Sansad Adarsh Gram Yojana
Launched on 11th October 2014
Each MP to develop three villages by 2019
The programme was launched by the Prime Minister of India, Narendra Modi on the birth anniversary of Jayaprakash Narayan
The distinct feature of this Yojana is that it is (a) demand driven (b) inspired by society (c) based on people's participation.
About Pradhan Mantri Sansad Adarsh Gram Yojana
The Saansad Adarsh Gram Yojana was launched last week, for the development of model villages. Under the Yojana, Members of Parliament (MPs) will be responsible for developing the socio-economic and physical infrastructure of three villages each by 2019, and a total of eight villages each by 2024.
The first Adarsh Gram must be developed by 2016, and two more by 2019. From 2019 to 2024, five more Adarsh Grams must be developed by each MP, one each year. This implies that a total of 6,433 Adarsh Grams, of the 2,65,000 gram panchayats, will be created by 2024. Key features of the Yojana are outlined below.
Key objectives of the Yojana include:The development of model villages, called Adarsh Grams, through the implementation of existing schemes, and certain new initiatives to be designed for the local context, which may vary from village to village.Creating models of local development which can be replicated in other villages.
Identification of villages
MPs can select any gram panchayat, other than their own village or that of their spouse, to be developed as an Adarsh Gram. The village must have a population of 3000-5000 people if it is located in the plains, or 1000-3000 people if located in hilly areas.
Lok Sabha MPs can choose a village from their constituency, and Rajya Sabha MPs from the state from which they are elected. Nominated members can choose a village from any district of the country. MPs which represent urban constituencies can identify a village from a neighbouring rural constituency.
Values of Saansad Adarsh Gram Yojana
Far beyond mere infrastructure development, SAGY aims at instilling certain values in the villages and their people so that they get transformed into models for others.
These values include:
Adopting people’s participation as an end in itself – ensuring the involvement of all sections of society in all aspects related to the life of village, especially in decision- making related to governance
Adhering to Antyodaya – enabling the “poorest and the weakest person” in the village to achieve well being
Affirming gender equality and ensuring respect for women
Guaranteeing social justice
Instilling dignity of labour and the spirit of community service and voluntarism
Promoting a culture of cleanliness
Living in consonance with nature – ensuring a balance between development and ecology
Preserving and promoting local cultural heritage
Inculcating mutual cooperation, self-help and self-reliance
Fostering peace and harmony in the village community
Bringing about transparency, accountability and probity in public life
Nurturing local self-governance
Adhering to the values enshrined in the Fundamental Rights and Fundamental Duties of the Indian Constitution.
FundingNo new funds are allocated to this Yojana and funds may be raised through :
Funds from existing schemes, such as the Indira Awas Yojana, Pradhan Mantri Gram Sadak Yojana, Mahatma Gandhi
National Rural Employment Guarantee Scheme, and Backward Regions Grant Fund, etc.,
The Member of Parliament Local Area Development Scheme (MPLADS),
The gram panchayat’s own revenue,
Central and State Finance Commission Grants, and
Corporate Social Responsibility funds.
Adopting VillagesList of villages adopted by MPs, State wise can be viewed here 
List of a few important adoptions :
Under the scheme, Narendra Modi has adopted Jayapur village his constituency Varanasi in Uttar Pradesh.
Y. S. Chowdary has adopted Ponnavaram village in Krishna district in Andhra Pradesh.
Sonia Gandhi adopted Udwa village in her constituency Rae Bareli in Uttar Pradesh.
Rahul Gandhi adopted Deeh village in his constituency Amethi in Uttar Pradesh.
V. K. Singh adopted Mirpur Hindu in his constituency Ghaziabad, Uttar Pradesh.
Ahmed Patel adopted Vandari village in Rajpipada, Gujarat.
Sachin Tendulkar adopted Puttamraju vari Kandriga(P.R.Kandriga) a village near Gudur in Nellore district of Andhra Pradesh.
Harish Dwivedi adopted Amorha Khas village in Basti district, Uttar Pradesh.                                                 PM Scheme Part-7 UMANG scheme, PM Ujjwala Yojana, Swadesh Darshan And PRASAD scheme please click here                        

PM Scheme Part-5 Smart City mission,Kisan Vikas Patra, Heritage City Development and Augmentation Yojana,

PM Scheme-Part-5 Smart City Mission
The scheme was launched Launched on 29th April 2015 .
In first Government of india Will Develop 100 Smart cities in India
Making Skill available to All Youth of India.
Details About Smart City Mission
Smart Cities Mission is an urban renewal and retrofitting program by the Government of India with a mission to develop 100 cities all over the country making them citizen friendly and sustainable.The Union Ministry of Urban Development is responsible for implementing the mission in collaboration with the state governments of the respective cities.
Smart Cities Mission envisions developing an area within 100 cities in the country as model areas based on an area development plan, which is expected have a rub-off effect on other parts of the city and nearby cities and towns.Cities will be selected based on the Smart Cities challenge, in which cities will compete in a countrywide competition to get the benefits from this mission. As of June 2017, 90 cities have been selected to be upgraded as part of the Smart Cities Mission after they defeated other cities in the challenge.
It is a five-year program, where all of the Indian states and Union territories are participating except West Bengal by nominating at least one city for the Smart City challenge. Financial aid will be given by the central and state government between 2017 - 2022 to the cities and the mission will start showing results from 2022 on wards.
Each city will create a corporate company headed by a full-time CEO to implement the Smart Cities Mission.The execution of projects may be done through joint ventures, subsidiaries, public-private partnership (PPP), turnkey contracts, etc suitably dovetailed with revenue streams.Center and state government will provide INR 1,000 Crore funding to the company, as equal contribution of INR 500 crore each. The company has to raise additional fund from the financial market as a debt or equity.
History and Work"100 Smart Cities Mission" was launched by Prime Minister Narendra Modi on June 25, 2015. A total of ₹98,000 crore (US$15 billion) has been approved by the Indian Cabinet for the development of 100 smart cities and rejuvenation of 500 others. ₹48,000 crore (US$7.5 billion) for the Smart Cities mission and a total funding of ₹50,000 crore (US$7.8 billion) for the Atal Mission for Rejuvenation and Urban Transformation (AMRUT) have been approved by the Cabinet.
In the 2014 Union budget of India, Finance Minister Arun Jaitley allocated ₹7,016 crore (US$1.1 billion) for the 150 smart cities. However, only ₹924 crore (US$140 million) could be spent out of the allocated amount until February 2015. Hence, the 2015 Union budget of India allocated only ₹143 crore (US$22 million) for the project.
The first batch of 20 cities was selected. Known as "20 Lighthouse Cities" in the first round of the All India City Challenge competition will be provided with central assistance of ₹200 crore (US$31 million) each during this financial year followed by ₹100 crore (US$16 million) per year during the next three years. The remaining money has to come from the states, urban bodies and the consortium that they form with corporate entities. Also, 10 per cent of budget allocation will be given to states / union territories as incentive based on achievement of reforms during the previous year
Urban Development Ministry had earlier released ₹2 crore (US$310,000) each to mission cities for preparation of Smart City Plans.
SMART Cities Mission: Features
• Scheme aims to make urban areas liveable, inclusive while driving economic growth
• Each city selected will be given central assistance of INR 100 crore for 5 years
• Smart City aspirants to be selected through City Challenge Competition for linking financing with capacity of cities to attain mission objectives 
 Mission aims to promote smart solutions for efficient use of available assets, resources and infrastructure for:>
- Enhanced urban living
- Clean and Sustainable Environment
- Critical emphasis is on citizen participation in prioritising and planning urban interventions
 Area Based Approach comprising:
- Retrofitting: Deficiencies will be addressed through necessary interventions
- Redevelopment: Reconstruction of built up area now amenable for any other intervention
- Pan City initiatives: Such as intelligent transport solutions benefiting residents through commuting time
- Development of new 
 Focus is on
- Adequate clean water
- Sanitation and solid waste management
- Effective urban mobility and public
- Reasonably priced housing for poor persons
- Uninterrupted power supply
- Strong IT
- e-Governance and citizen participation
- Safety, security, health and education
- Sustainable urban environment
Smart City Action Plans will be implemented by SPVs
-Mission is to be implemented in 500 cities and towns with population of one lakh or more including:
- Cities near main rivers
- Capital cities
- Important city in hilly and tourist areas.                                        Heritage City Development and AugmentationYojana (HRIDAY)
Launched on 21 January 2015
Budget ₹500 crore (US$78 million)
Main objective – To develop heritage cities.
About Heritage City Development and Augmentation Yojana (HRIDAY)
India is endowed with rich and diverse natural, historic and cultural resources. It is a palette of different cultures, religions, traditions, home of various forms of art and handicrafts, music and literature, architectural styles et al. However, it is yet to explore the full potential of such resources to its full advantages.
Past efforts of conserving historic and cultural resources in Indian cities and towns have often been carried out in isolation from the needs and aspirations of the local communities as well as the main urban development issues, such as local economy, urban planning, livelihoods, service delivery, and infrastructure provision in the areas. Heritage areas are neglected, overcrowded with inadequate basic services and infrastructure, such as water supply, sanitation, roads, etc. Basic amenities like toilets, signages, street lights are missing. Multiple institutions and unclear regulatory framework for financing and managing urban heritage assets and landscapes, as well as weak capacity of Urban Local Bodies have created major challenges for managing these heritage cities.
With a duration of 4 years (completing in November 2018) and a total outlay of ₹500 crore (US$78 million), the Scheme is set to be implemented in 12 identified Cities.As a pilot, this flagship scheme of the government focuses on revitalising twelve heritage cities, namely Amrawati (Andhra Pradesh), Gaya (Bihar), Dwaraka (Gujarat), Badami (Karnataka), Puri (Odisha), Amritsar (Punjab), Ajmer (Rajasthan), Kanchipuram and Velankanni (Tamil Nadu), Warrangal (Telangana) and Mathura and Varanasi (Uttar Pradesh).
The Scheme shall support development of core heritage infrastructure projects including revitalization of linked urban infrastructure for heritage assets such as monuments, Ghats, temples etc. along with reviving certain intangible assets. These initiatives shall include development of sanitation facilities, roads, public transportation and parking, citizen services, information kiosks etc.
FundingHRIDAY is a central sector scheme, where 100% funding will be provided by Government of India. INR 500 Crores have been allocated to the scheme, 
The scheme would be implemented in a mission mode. Each city has been granted a specific amount of fund, based on its population and size.                                                                   Kisan Vikas Patra
Kisan Vikas Patra is a saving certificate scheme which was first launched in 1988 by India Post.
Union Finance Minister Arun Jaitley will re-launch the Kisan Vikas Patra (KVP) in New Delhi on Tuesday in the presence of Ravi Shankar Prasad, Union Minister of Communication and IT and Jayant Sinha, Minister of State for Finance among others, said a PIB release.
The re-launched KVP will be available to the investors in the denomination of Rs. 1000, 5000, 10,000 and 50,000, with no upper ceiling on investment.
The facility of transfer from one post office to another anywhere in India and of nomination will be available.
About Kisan Vikas Patra
In a bid to encourage the habit of small savings among citizens, Union government plans to re-launch the once successful Kisan Vikas Patra (KVP) on Tuesday.
Union Finance Minister Arun Jaitley will re-launch the Kisan Vikas Patra (KVP) in New Delhi on Tuesday in the presence of Ravi Shankar Prasad, Union Minister of Communication and IT and Jayant Sinha, Minister of State for Finance among others, said a PIB release.
Mr. Jaitley, in his budget speech had announced that KVP and National Savings Schemes (NSS) will be re-introduced.
The re-launched KVP will be available to the investors in the denomination of Rs. 1000, 5000, 10,000 and 50,000, with no upper ceiling on investment.
The certificates can be issued in single or joint names and can be transferred from one person to any other person / persons, multiple times.
The facility of transfer from one post office to another anywhere in India and of nomination will be available.
The certificate can also be pledged as security to avail loans from the banks and in other case where security is required to be deposited. Initially the certificates will be sold through post offices, but the same will soon be made available to the investing public through designated branches of nationalised banks.
KVPs have unique liquidity feature, where an investor can, if he so desires, encash his certificates after the lock-in period of 2 years and 6 months and thereafter in any block of six months on pre-determined maturity value. The investment made in the certificate will double in 100 months.
KVPs, originally launched on April, 1988, was very popular among the investors and the percentage share of gross collections secured in KVP was in the range of 9 % to 29 % against the total collections received under all National Savings Schemes in the country.
Gross collections under the scheme in the year 2010-11 were Rs. 21631.16 crores which was 9 % of the total gross collections during the year. In the year of its closure, the scheme secured gross collections of Rs. 7575.95 crores (April 2011 to November 2011).
Post Office Saving SchemesBenefits
Amount Invested matures in 115 months.Rate of Interest 7.5%.Certificate can be purchased by an adult for himself or on behalf of a minor or by two adults.KVP can be purchased from any Departmental Post office.Facility of nomination is available.Certificate can be transferred from one person to another and from one post office to another.Certificate can be encash after 2 & 1/2 years from the date of issue.
Post office KVP: Scheme Details, Interest Rate Chart, Taxation Benefits
Kisan Vikas Patra (KVP) for a very long time has been a very popular investment scheme amongst lower and middle income earners . The Post KVP scheme was first introduced in 1988 but was discontinued in 2011. But due to popular demands and request the KVP was re-introduced in 2014.
KVP is a government investment scheme wherein an individual can invest their saving in lump-sum. On every investment made the by the individual government pays interest at predetermined rate .
Post Office KVP Scheme DetailsWho can invest under KVP?
Every Indian resident individual who has attained majority (i.e. his or her age is more than 18 years) can opt to invest under KVP scheme. Also trust organization established in India can invest under the said scheme. But HUFs (Hindu Undivided Family), companies and other institution cannot invest in KVP.
Note: In case one wants to open a KVP in the name of minor, then the major individual can open the KVP account on behalf of the minor.
What amount to be invested?
The KYP scheme is generally issued in denominations of Rs.1000, Rs.5000 or Rs.10,000 and Rs.50,000.
The minimum amount to be invested under KVP scheme is Rs.1000.
There is no upper limit restriction for investment under this scheme.
How to open a KVP account?
Now-a-days KVP account facility is offered by all post offices, nationalized banks, state banks and associate banks. The interested individual must obtain and fill the KYC application and submit the same to near-by post office or banks. Along with application, the individual needs to provide self-attested copy of identity proof and address proof for opening the KVP account. The individual needs to provide the amount which he or she wants to invest, this amount one wants to invest can be contributed in cash, bank transfer or demand draft.
Income Tax Benefit
There is no tax benefit for any contribution made under the KVP scheme. The interest income under KVP is also chargeable to tax under the head of “Income from other sources”.
Interest Rate Chart
The rate of interest to be earned on KVP investment scheme is decided by the government. The rate of interest is generally provided each year by 1st April. It’s said that any amount invested under KVP would be doubled after 100 months (i.e. 8 years and 4 months) as of this writing.      PM Scheme Part-6 Soil health card scheme, Deendayal Upadhyaya Gram Jyoti Yojana, PM Sansad Adarsh Yojana, please click here

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