Govt. Schemes Final

Government Schemes
2016-17
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Summary of all Government schemes launched in India during 2016-17

Government Schemes 2016-17 2016-17
Contents
Deen Dayal Antyodaya ............................................................................................................................................................... 2
Kayakalp - Award Scheme: All You Need To Know ............................................................................................................... 3
Deen Dayal Upadhyay Grameen Kaushal Yojana ................................................................................................................. 5
E-Nivaran : Online Tax-Related Grievance Redressal Scheme ............................................................................................ 6
Pradhan Mantri Surakshit Matritva Abhiyan ......................................................................................................................... 8
Skill India Mission: All You Need To Know ............................................................................................................................... 9
Pradhan Mantri Zero Deficit Zero Effect Scheme: Explained ............................................................................................ 11
Baristha Bunkar Sahayata Yojana: Explained ...................................................................................................................... 12
Pradhan Mantri Vittiya Saksharta Abhiyan .......................................................................................................................... 14
Pradhan Mantri Kaushal Vikas Yojana .................................................................................................................................. 15
Technology Acquisition and Development Fund .................................................................................................................. 17
Better Than Cash Alliance Network ....................................................................................................................................... 18
Sovereign Gold Bonds Scheme ................................................................................................................................................ 19
Kalinga Shiksha Sathi Yojana .................................................................................................................................................. 20
Pradhan Mantri Yuva Yojana................................................................................................................................................... 22
Kisan Credit Cards ..................................................................................................................................................................... 24
Digi Dhan Vyapar Yojana: Key Points To Know ................................................................................................................... 26
4 Projects Under Nava Kerala Mission .................................................................................................................................. 27
Lucky Grahak Yojana by NITI Ayog ........................................................................................................................................ 28
MCLR : Marginal Cost of Funds Based Lending Rate- Explained ..................................................................................... 30
Aadhaar Enabled Payment System (AEPS) : At a Glance ................................................................................................... 31
Pardhan Mantri Garib Kalyan Yojna and Demonetization ............................................................................................... 32
Vasundhara Raje's Annapurna Rasoi Yojna ......................................................................................................................... 33
4 Insurance Schemes Launched for People with Disabilities (PwD) ................................................................................. 34
Swavlamban Health Insurance Scheme: All You Need To Know ...................................................................................... 35
Key Points Of Project Saksham for CBEC .............................................................................................................................. 37
Mission Bhagiratha : Safe Drinking Water Scheme - Explained ....................................................................................... 39
Various Skill Development Schemes for Minorities ............................................................................................................. 40
Voluntary Disclosure and Surcharge Waiver Scheme: Key Features ............................................................................... 41
Swachh Swasth Sarvatra Abhiyan: All You Need To Know ................................................................................................ 43
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Deen Dayal Antyodaya
Introduction MGNREGA
National Rural Livelihood Mission (NRLM) also Recently celebrated the 10th year of inception
known as Deen Dayal Antyodaya Mission Aligned with sustainable development of the
In 2011, the scheme was launched in rural areas economic, environment and social
to expand livelihoods in small enterprises, 57 percent of women participation
agriculture based rural areas and employment 40 percent of SC category people benefited
in formal sector Employment of 1970 crore person-days
Objective is to nurture rural power till they generated since inception
comes clear of abject poverty Rural employment of 100 days extended to 150
Bridge gaps between skilled labor and industries days
NRLM forms the basis for an umbrella of skill SAMARTHYA A set of 10 training programmers
development schemes like MGNREGA, Deen focusing on technical education created under
Dayal Upadhyay Grameen Kaushal Yojana, MGNREGA by Ministry of Rural Developmen
RSETI, SVEP etc
These schemes are discussed as follows
Start Up Village Entrepreneurship Programme
Start Up Village Entrepreneurship Programme Deen Dayal Upadhyay Grameen Kaushal Yojana
(SVEP) established to streamline the economic Skill Training imparted on green, grey and
growth from grass roots (villages) service sectors
Objective is to create self-employment Different strategies like ICT usage, vocational
opportunities for inclusive growth training, skill development models, residential
Enhance opportunities for entrepreneurship training, workshops
among rural youth Offers placement to trained youth
Training and skill programs are mainly Guides in foreign placement
conducted in the manufacturing sector to create HIMAYAT and ROSHNI skill development
jobs and increase incomes programs in J & K and North East respectively
Ministry of Rural Development (MoRD) The key beneficiaries include SC/ST and women
established training institutes to impart skill on Main aim is to place 75 percent trained people
a village level basis in jobs
This will be a foundation program for skill
development
Rural Self-employment training Institute
Rural Self-employment training Institute (RSETI) As a result of these skill training schemes, the
set up to impart skill and technical training to livelihoods of the rural poor are likely to improve
rural youth NRLM schemes expand formal sector
Training programs mostly cover agricultural employment in the manufacturing sector
practices, products, process and general Semi-skilled labour will increase in the
entrepreneurship manufacturing sector as a result of NRLM
Helps rural youth to set up self-employment There will be a growth in the quality and
avenues demand for manufactured goods in global
Creates new employment opportunities markets
Hand holding ensured credit linkage and There will be a shift from agricultural produce
microenterprise sustainability market to manufacturing sector in rural areas
Implemented by banks in each district with the as a result of NRLM
collaboration of Ministry of Rural development NRLM schemes will help in the establishment of
and respective state governments agro-based industries
Entire funds of SETI are managed by NRLM will provide scope for value addition,
public/private sector banks innovation and entrepreneurship
The above schemes will uplift the rural poor and
Conclusion
improve their livelihood
Kayakalp - Award Scheme: All You Need To Know
Introduction the quality of public health facilities in Hospitals,

Clinics, Public Space, etc. The main Aim of this
The Prime Minister of India Narendra Modi
initiative is to appreciate and recognize their effort
introduced the Swachh Bharat Mission as on 2nd of
to create a healthy environment in the Society.
October, 2014 to promote cleanliness in public
Swachhta guidelines for health facilities along with
space. Cleanliness and hygiene in Public Space are
this initiative have also been issued.
good for healthy living, but it becomes a need when
we talk about health care facilities. Cleanliness not Objective:
only prevents the spread of infection but also it
The Main objective of the schemes are as follows:
provides the patients and the visitors a positive
experience. For successful implementation of this scheme
the Government of India is trying to promote
Ministry of Health And Family Welfare has launched cleanliness, hygiene and Infection Control
a New initiative named as KAYAKALP at the Practices in public Health Care Facilities through
national level to promote cleanliness and enhance
various channels like Print Media, TVs, There are few parameters on which the
Campaign, etc. performance of these Health Facilities Centre
To incentivize and recognise such public would be judged are as follows:
healthcare facilities that show exemplary
performance in adhering to standard protocols Hospital or Facility Upkeep
of cleanliness and infection control. Sanitation and hygiene
To infuse a culture of ongoing assessment and Waste Management
peer review of performance related to public Infection control
health care, hygiene, cleanliness and sanitation. Support Services
To create and share sustainable practices Hygiene Promotion
related to improved cleanliness in public health
facilities linked to positive health outcomes.
Basic Criteria for application to the Awards
Scheme:
Award Categories:
Following are the criterias for applying for an
The awards would be categorised are as follow:
award:
The Award will be given to best 2 District
Hospitals in each state (Best District hospital in Constituted a Cleanliness and Infection Control
states). Committee in District Hospitals or Sub-District
The Award will be given to best two Community Hospitals to monitor the process.
Health Centres or Sub-District Hospitals (limited to Instituted a mechanism of periodic review i.e.
one in small states). internal assessment based on defined criteria.
One Primary Health Centre in every district will get Achieved a minimum of 70% score in the criteria
the best Award. during the peer assessment process.
The Best Hospital out of all will get Award at
Parameters of the Health Facility Centre: National Levels.
The Award Committee at the district level is
headed by the District Magistrate
Fast Facts
Level of Facility Awards Certificate of

Commendation
District Hospital District Hospital 1st Prize - Rupees 3 Lakh.
50 Lakh
District Hospital 2nd Prize
20 Lakh
Public Health Centre Winner Maximum of 2 Rupees 50,000.
Lakh
CHC and SDH Winner 15 Lakh Rupees 1 Lakh.
Runner-up 10 Lakh
Deen Dayal Upadhyay Grameen Kaushal Yojana
Introduction Regions affected by left wing extremism and

North East ROSHNI
Deen Dayal Upadhyay Grameen Kaushal Yojana
Targets about 5.5 crore (census 2011) potential
(DDUGKY) is a skill development program under
workers in rural areas in the age group of 15 to
National Rural Livelihood Mission (NRLM) to bring
30 years
about an inclusive growth in rural areas
Nodal Agency
Aim
Ministry of Skill Development and
DDUGKY aims to place 75% trained people in
Entrepreneurship
guaranteed employment
Implemented through National Skill
Target Development Corporation
Disadvantaged groups Comes under National Rural Livelihoods
SC/ST comprises 50% Mission
Minority community constitute 15%

Women constitute about 33%
Focus on poor youth of rural J&K - HIMAYAT
Important Sectors focused by DDUGKY
Green sectors including Wooden art

Handlooms
Renewable energy
Waste management
Service sector including
Floriculture
Telecom
Eco tourism
Healthcare
Organic production
Electrician
Animal husbandry
Hotels
Grey sectors including Tailoring
Manufacturing
Strategies adopted in DDUGKY to train rural
Transportation youth
Furniture making
Vocational Education
Construction
Creating awareness
Metal art
Motivational training programs High level of school drop out rate

Sensitizing workshops Depletion of natural resources
Induction Eroding socio cultural heritage
Orientation Emotional stress
Evolving skill development models Lower educational levels
Residential training Access to skill training
Short duration courses Already employed in low skilled jobs
Long duration courses Rural women stay unemployed during child birth
ICT usage Economical stress
Life skills improvement Work safety and security is a concern for rural
Sensitizing industries women at work place
Creating more effective schemes Misguided development interventions
New VTI establishment Issues arise with the working hours of the rural
Training at cluster and block level population
Certification
Conclusion
Assessment
PPP mode in institutions DDUGKY aims at expanding the scope of
Diversified courses livelihoods available to the rural poor
Building a pool of trainers The scheme addresses the industry specific skill
Practical training demand
Technical training Special emphasis on developing skills for non-
Placement assurance farm sector to get job outside agriculture field in
rural areas
Key Benefits of DDUGKY
DDUGKY aims to promote entrepreneurship
Bridges challenges like lack of formal education among the micro and cottage industries in the
Develops marketable skills by funding training villages
projects The scheme aims to develop rural India by
Provides placement to trained rural youth developing a skilled workforce in the rural areas
Retention of trained people The scheme will also indirectly contribute to
Foreign placement control the mass urbanization with the rural
Career progression people migrating in large numbers to urban
areas for a better standard of living
Issues in DDUGKY
E-Nivaran : Online Tax-Related Grievance Redressal Scheme
Introduction The Government of India has initiated a major steps

towards the issues related to taxpayers. E-Nivaran
scheme (The new system is called as unified tax
related grievance management system) is an Today there are various ways to register Income tax
electronic system which is launched by Union related issue and grievances by the common
Government to address the Income tax issue people. But for that they have to approached to
and Income Tax grievance through one screen and correct department based on type of complaint tax
ensure early resolution or redressal of their payers are facing. Now this is very tough task and
complaints. E-Nivaran has been launched by the time taking and many people don't know where to
government of India and the whole works will be go and where to get solutions. For example, a
done under one screen i.e. In paperless environment grievance regarding your PAN card may be
under the eyes of an assessment officer of IT registered with the two dedicated helplines of NSDL
department. e-Governance Infrastructure Ltd. and UTI
Infrastructure Technology and Services Ltd.
Fast Facts of the Scheme
Therefore, it means that online complaints are
The E-Nivaran Scheme launched to resolve all tracked by a different system compared to offline
the query related to tax issues in a single screen ones, makes the grievance resolution process
under the scanner of assessment officials. lengthy and difficult as help line numbers are also
Prime Minister Narendra Modi advised the different. Hence, government has understand this
Income tax department and Central Board of issue of the common man and thus launched the e-
Direct Tax to take care of tax payers by solving Nivaran to bring convenience to the people / ease
the query as soon as possible related to tax on work on tax related issue.
issues.
How It Helps to Tax Payers
This Scheme is also launched with a motto to
reduce the paper works, so as it would save time After implementation of E-Nivaran Scheme it
for both the Tax Payers & the departments. uses technology with a aim to ensure easier and
The Main Aim of this Scheme to reduce the faster resolution of complaints.
Forged cases on tax evasions, etc. & to provide The system not only records the origin of the
assistance through electronic media. grievance on the electronic platform it works on,
To deal with the concerns an Electronic- but also keeps tracking of all figures & data, it
Prevention Plan is being launched as a pilot till it reaches its logical conclusion for final
basis in New Delhi. resolution.
Initiatives are being taken to create awareness Thus, E-Nivaran will be the one-stop-shop for all
among masses about tax policies and grievances. The system will integrate online and
procedures. offline complaints and also have an in-house
The Whole process will be done over Electronic mechanism to transfer grievances to the right
Media i.e. on Single Screen on Computer departments.
(Through Website). With E-Nivaran, Everyone will be able to track
Union Government Advised CBDT to resolve the their complaint and get a solution on the real-
query related to Tax issues within a month time basis.
which may be further reduced with time. All complaints will be monitored by an
assessment officer for time-bound resolution.
Benefits
A separate and dedicated window for grievance smart electronic platform will handle the regular
redressal in the Income Tax Business Application operations of the department.
(ITBA), from now, this recently launched new
Pradhan Mantri Surakshit Matritva Abhiyan
Introduction: Surakshit Matritva Abhiyan will be held on the 9th

of every month, wherein all of the essences of the
Pradhan Mantri Surakshit Matritva Abhiyan
maternal health services will be provided at
Scheme is Launched to improve the quality and
identified public health facilities as well as
coverage of Antenatal Care with Diagnostics and
accredited private institutions and clinics,
Counselling services as part of Reproductive
volunteering for the Pradhan Mantri Surakshit
Maternal Neonatal Child and Adolescent Health.
Matritva Abhiyan. These services will be provided by
Objective: the Medical Officer or by Specialist. Facilities where
such trained manpower is not available, services
It offers some additional opportunities to all
from Private Practitioners (OBGY) on a voluntary
pregnant women who have missed their ante-
basis are to be arranged. PMSMA will help in
natal visits due to some reasons.
providing quality ANC & also detection, referral,
It ensures to provide care provision by a Doctor,
treatment and follow-up of high-risk pregnancies
Physician or Specialist in at least one antenatal
and women having complications.
visit in the second or third trimester.
It also Improves the quality of care taken during
Basic Strategies:
ante-natal. This includes ensuring of the below
Formation of Perfect Planning and Execution of
services.
committees at National, State and District level.
It provides applicable diagnostic services
Identification and Mapping of the
Screening for the applicable clinical conditions
Facilities/Clinics (both Public and Private Sector)
in the State or District.
where services under PMSMA will be delivered.
Suitable management of any existing clinical
Planning to create awareness among the
condition like Anemia, Pregnancy induced
beneficiaries and service providers for
hypertension, Gestational Diabetes etc.
Successful implementation of PMSMA by Radio
Proper counselling services in the State or
Channels, TVs, Print Media, etc.
District.
Estimation of the logistic requirement
Proper documentation of services rendered
Capacity building of the health care providers
Main Strategies: on the service package to be provided during
the PMSMA.
After extensive deliberations with National level
Estimation of Total Budget for successful
experts, it has been suggested that Pradhan Mantri
implementation of PMSMA.
Provision of services during PMSMA: To ensure that every facility is provided with a
medical officer
All the beneficiaries visiting the Facility should
To identify the facilities were PMSMA will be
first be registered in a separate register for
organised based on the criteria/prerequisites as
PMSMA. After registration, ANM & SN to ensure
mentioned in the above section.
that all basic laboratory investigations are done
To conduct orientation and training of all the
before the beneficiary is examined by the
staff on the operationalization of PMSMA
OBGY/Medical Officer.
To coordinate with District Program Manager
The report of the investigations should ideally be
and supply chain management team in
handed over within an hour and before the
providing all the logistics required by the
beneficiaries are meeting the doctors for further
facilities for organising PMSMA.
checkups.
To coordinate with District IEC/BCC nodal
This will ensure identification of High-Risk status
person for implementation of mass awareness
(like anaemia, gestational diabetes,
campaigns in the district.
hypertension, infection etc.) at the time of
To plan and execute supportive supervision
examination and further advice.
activities
In certain cases, where additional investigations
To facilitate empanelment and mapping of
are required, beneficiaries should be advised to
private specialist doctors volunteering to offer
get those investigations done and share the
services during PMSMA. Coordinate with Facility
report during next PMSMA or during her routine
In- charge for their deployment
ANC check-up visit.
Conclusion:
Roles and Responsibilities of Service Providers:
If all pregnant women in our country are examined
To nominate a nodal officer for PMSMA who will
by a Medical officer and appropriately investigated
be responsible for the execution of the PMSMA
at least once or twice during the PMSMA. This can
in the State or district.
play a vital role in reducing the number of maternal
To nominate a person for execution of the
deaths in India. Implemented well, it can prove to be
awareness campaign in the State or district.
a game-changer and a sturdy stepping stone for the
To nominate a person for District Nodal Officer.
achievement of the sustainable development goals.
Skill India Mission: All You Need To Know
Introduction promote faster, inclusive and sustainable

growth.
Skill India mission is a long-term strategy to
address the shortage of skilled persons and Important facts
Boston Consultancy Group (BCG) has predicted Recognizing

that by 2020 there will be shortage of 47 million Funding
working people in the rest of the world Monitoring
There is a skill gap between employment and MIS
employability with 56 percent school drop outs Aadhar Card linkage
with employers finding a skill shortage of 53 Rational outlook
percent Assessment of increase in income productivity
66 percent (883 million) of Indian population will as a result of skilled labor
be in the working age group of less than 35 by New schemes are devised and released under
2020 according to Twelfth plan Skill India Mission like Pradhan Mantri Kaushal
Considering the demographic dividend, India will Vikas Yojana
have an advantage over China from the year
Challenges
2015
India will have a surplus of 56 million skilled Magnitude NSDC requirement of 12 crore
people by 2020 as a result of the Skill India skilled manpower in 24 key sectors by 2022
campaign High order skill sets of efficiency, diverse and
geographically suited
Nodal Agencies
Target demography of different educational and
National Skill Development corporation class backgrounds
Ministry of Finance Perception vocational and regular courses
Ministry of Skill Development and Integration to fix demand-supply gap
Entrepreneurship Lack of labour management system
Lack of mobility
Funding
Minimal industry role
Funding based on PPP mode Less social acceptability
GOI Stake 49% Quality of skill development and training
Industry stake 51% programs at stake with lack of infrastructure
Private participation more than government Enrollment in Skill development programs needs
awareness among rural masses
Beneficiaries
Unorganized sector employees Conclusion
Unemployed youth Skill India Mission is projected to improve the

School drop outs skills of the Indian workforce
Male employees in unorganized sector Skill India Mission will make skilled labour a
Female employees in unorganized sector competitive advantage among world nations
Nearly 833 million of unorganized labor will be
Elements of Skill Development
trained and placed in industry
Motivation Trainer and Student India will emerge as the skill capital of the entire
Fresher training world supplying skilled labor force to the
Re-Skilling developed nations
Integration
The demand for skilled Indians abroad is going A new skill development department will be
to increase from 2015 after the ageing problem created resulting in the creation of more jobs in
starts in China the formal sector Overall, Skill India mission is a
Skilled workforce will increase the output in the long term strategy initiated by GOI through an
industry both domestic and foreign umbrella of schemes aimed at developing India
Skilled people will help save time and increase as a skilled super power in the entire world
the efficiency
Pradhan Mantri Zero Deficit Zero Effect Scheme: Explained
Introduction: means its a major steps taken by Narendra

Modi Government towards the development of
Zero Defect, Zero Effect Scheme or ZED is a new
the country.
initiative launched by Prime minister Narendra
Under this a few parameter was fixed that are
Modi. The scheme is launched to increase the
specific for each MSME industries.
quality of products matching global standards for
Micro Small and Medium Enterprises Sector i.e. Benefits of ZED certification:
MSME.
lower costs and Streamlined operations.
Objective: Reduced rejection, Superior quality and higher
revenues.
The main objective of this Zero Effect, Zero
Increased social and environmental benefits.
Defect scheme is to supress the bad effect of
Generation in Employment.
products on environment. While MSME sector
It may control the pollution level in some of the
plays a vital role in the GDP of a country i.e.
largest cities like Delhi, Mumbai, Kolkata.
India , this scheme also helps to contribute to
environment as well. ZET Model:
The main purpose of this Scheme is to Match
The MSME companies will be given a strict
the Global quality control standards.
guidelines based on which they have to work
This Scheme ensures that all the Micro Small
around the procedures.
and Medium Enterprises are delivering High
The main focus will be to enhance the quality
quality product using clear technology.
and to lift-up the environment.
Under this ZED scheme, The Micro Small and
Medium Enterprises companies which follows Government Support
the guidelines set by ZED and meet the
To help the Micro Small and Medium Enterprises
standards set by the ZED will be awarded ZED
through Funding and Proper training.
certification along with various benefits.
The Government will emphasise on producing
All MSME plays a vital role in the economy and
items that have Zero Deficits so as to achieve
by creating good quality products the country
the quality.
will be able to lift up its infrastructure, etc. That
The main aim of Government to encourage a therefore all the parameters will be to
sustainable environment & development and encourage through same way.
Baristha Bunkar Sahayata Yojana: Explained
Introduction women engaged in Handloom production and

they produces Handloom Fabrics worth 160
The Odisha Government launched a new scheme
crore rupees.
named Baristha Bunakar Sahayata Yojana for
Some Handloom products are Berhampuri Pata,
those weavers, who have become aged on 7th
Maniabandha, Sambalpuri, Bomkai, tie and dye,
August, 2016. This scheme was launched by Odisha
Khandua, Saktapar Sari etc.
Chief Minister Mr. Naveen Patnaik. This day (7th
Odisha Government Chief Minister Mr. Naveen
August, 2016) was declaring National Handloom
Patnaik distributed awards for those who have
Day for our country. This scheme is aimed at
been working really hard and offering our
providing financial assistance to the weavers in the
country with the production of the weaver in
state. Odisha Government has initiated various
Odisha.
welfare schemes for the weaver community in the
This schemes main motive is to provide
state and increase the reach of Handloom.
financial assistance to the weavers and also
Objectives: promote the Handloom business at
Under this scheme all weavers within age of 60 international level.
years would get a monthly pension of 500 The Annual Budget of this scheme around 5
rupees per month. crore rupees.
Under this scheme all weavers above age of 80 This scheme does nothing to encourage the
years would get 700 rupees per month. young weavers of the state.
The pension amounts shall be sent directly to This scheme could have provided some financial
the beneficiaries bank accounts. support to young weavers too.
Around 8,000 weavers will be benefited by this

Eligibility Criteria
scheme who has been working in this field for
Under this scheme there are mainly two
more than 20 years.
criterions which contenders follow to get the
Key Features: pension.
Under this scheme all weavers within age of 60 Those weavers whose age are 60 years and
years would get a monthly pension of 500 above age of 80years and fulfill above the
rupees per month and above age of 80 years criteria will get 500 rupees and 700 rupees
would get 700 rupees per month. monthly.
As per the government reports, Odisha a home

of nearby 1.5lakh weavers including 78%
Those weavers who has been working in these This scheme will help in bringing out solution for
fields for more than 20 years service duration in the problems faced by the weavers.
the handloom industries. Textile inspectors and field stuff are visited of all
the families weavers individually and know
Additional Details:
about their requirements to improve the
Around annually 5crore rupees for implementing livelihood of the weavers.
for this scheme.
There will be site specific survey that will lead to
review of weavers condition.
Fast Facts
Facts Figures
Name of the scheme Baristha Bunakar Sahayata Yojana
Launched by Odisha State Government
Launched on 7th August, 2016
Government Odisha
Chief Minister of Odisha Mr. Naveen

Announced by
Patnaik
Scheme type Pension scheme
Eligibility Weavers welfare
Above age of 60= Rs. 500

Pension amount
Above age of 80= Rs. 700
No. of weavers are

Around 8,000
benefited
Budget Rs. 5crore
Pradhan Mantri Vittiya Saksharta Abhiyan
Introduction Vittiya Saksharta Abhiyan is a program solely

governed by HRD ministry. The awareness scheme is
Vittiya Saksharta Abhiyan is a government initiative
to pass on from the old modes of transactions using
launched by the Government of India in the
cash and to follow up new cashless transaction
demonetization drive across India to stop the
system.
malpractice of corruption and to finish black money
in India. This Scheme was launched as on 1st Educational Institutions directed to take Major
December 2016 by Human Resource Development Steps
Minister (Prakash Javadekar) in New Delhi.
To achieve the target of this big magnitude for
Vittiya Saksharta Abhiyan, The HRD ministry
The Basic aim of this scheme is to go for cashless
directed most of the Higher educational institutes in
transaction and payment modes like using credit or
India to start practising the cashless transactions.
debit cards or the payment wallets to reduce the
The HRD minister Prakash Javadekar has appealed
malpractice in the country. The Vittiya Saksharta
such institute in India to join hands against
Abhiyan Scheme is all about encouraging the
corruption and to switch over to cashless and digital
common people to evolve and opt for cashless
economy in their campuses. These institutes have
transactions in the country and remove corruption
been advised not to take any cash for tuition fees,
out from its roots. The HRD minister also gone to
admission fees, hostel fees, library fees, etc.
social media like Facebook, Twitter, etc. to make the
However, these institutes can take their fees
camping more efficient with successful result for
through Debit card, Credit card, Visa, etc. These
Digital India & to go for Cashless Economy by
institutes are directed to follow cashless transaction
reaching to more masses.
system in the entire college, including college
Aim canteens and stores. The students can also take
these initiatives and teach their parents, homes or
The main aim of the Scheme is to make the country
locality and also share with their friends about the
with the cashless economy and its citizen trying
basic advantages of having a cashless transaction
their hands to use cashless transactions in their
or digital transactions for their daily life.
daily life. This Scheme also aims to create a strong
digital economy and put India in digitally developed Modes of Transactions
countries and leading countries in the global map.
Debit Card
The main motto of this scheme is to make the youth
Credit Card
and students getting involved in this major
Rupay Card
transformation that the nation is going through and
Visa Card
help others.
E-Wallet
Authority Paytm
Mobikwik
USSD Payment Mobile wallets

Aadhaar Enabled Payment POS transactions, etc.
Fast Facts
Fields Related Facts & Figures
Name of the
Vittiya Saksharata Abhiyan
Scheme
Governed By Human Resource Development Ministry
Launched on 1st December 2016
Launched By Union HRD Minister Prakash Javadkar
Main emphasis
Higher Educational institutions in India
on
Camping over Social Media, Higher Educational institutions, etc.
Pradhan Mantri Kaushal Vikas Yojana
Introduction Focus on youth of J&K

Regions affected by left wing extremism
Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is a
PMKVY now extended for another four years till
skill certification and reward scheme of the Indian
2020
government
Skill training to benefit more than 10 million
Aim youth
PMKVY helps to mobilise and enable a large Indian

Nodal Agency
youth to become employed and take up skill
training that is outcome based
Entrepreneurship
Target Implemented through National Skill
Development Corporation
Class 10 and Class 12 dropout students
Special focus on youth in North Eastern states
Funding
Initial cost of the scheme is 1500 crores Training of students conducted following
Fully sponsored by Central government prescribed standards
In 2016, budget for PMKVY is extended to 12000 Standards created by industry driven bodies like
crores Sector Skills Council (SSC)
67 crore allocated to efforts on mobilisation Targets of skill training aligned with flagship
through skill melas programs such as Digital India, Swachh Bharat,
National solar mission and Make in India
Key Components of PMKVY
PMKVY has a formal grievance redressal
Short-term training mechanism
Special projects Online citizens portal setup to convey
Recognition of Prior Learning information about PMKVY
Placement Assistance Industry relevant skill training
Standardised branding and communication PMKVY portal includes a complete set of
Continuous monitoring database available to all courses and the
Kaushal and Rozgar Mela various training centres
Aadhar enabled attendance system
Beneficiaries
Training provided on a short-term basis
School drop outs Certified under RPL (Recognition of Prior
Economically Weaker sections (EWS) Learning)
Unemployed youth
Monetary reward for trainees Participating Organizations
Certification provided by third parties after Awareness building and training programs
assessment of candidate conducted in coordination with
Panchayati Raj Institutions
Drop out reasons
State governments
Males engage in economic activities at a Community-based organisations and
younger age Municipal bodies
Females engage in domestic activities for a Event management companies to conduct skill
living miles
Lack of interest in education
Financial constraint Conclusion
Timing of educational institutions not suitable PMKVY is a flagship scheme of GOI that has
Unfriendly received good response throughout India and
Unavailability of teachers extended for another four years till 2020
Unfamiliar medium of instruction Millions of school drop outs will be trained and
Lack of training institutes placed in industry
This will improve productivity in due course of
Features
time through skilled labour
Part of Skill India Mission PMKVY will increase the skilled workforce in the
Roping in training institutes to impart skills to industry by 2020
beneficiaries
Skilled workforce will directly contribute to Make introduced by GOI

in India, Digital India and other schemes
Technology Acquisition and Development Fund
Introduction Indirect technology acquisition - 50 % subsidy or
Technology Acquisition and Development Fund 20 lakhs reimbursed for mutually agreed value
(TADF) is set up recently by the department of Manufacturing technology/equipment 10 %
Commerce and Industry to fund green development subsidy on capital expenses up to a maximum of
50 lakhs
projects in India.About TADF
Incentives for green manufacturing Green
TADF established under National Manufacturing building construction, environment friendly
Policy 2011 measures etc
Implementing agency is Department of
Features of TADF
Industrial Policy and Promotion (DIPP)
Funds are managed by a joint venture GITA Financial assistance to Indian owned MSME
(Global Innovation and Technology Alliance) Scheme applicable to all MSME in the NIMZ
(National Investment and Manufacturing Zones)
Need for TADF
SME patent and technology acquisition costs
SME contribute to about 45 percent of India covered
exports Direct patent acquisition costs reimbursed
SME employs about 60 million Indians and ranks Incentives given to adoption of innovation
after Agriculture as the largest employer technologies in water conservation, rain water
More than 6000 products are released yearly by harvesting, pollution control, waste water
SME giving a lot of scope in innovation in the treatment, green buildings and renewable
SME sector energy projects
TADF was established to encourage SME to Green buildings are encouraged through TADF
innovate and manufacture green products Incentives given to reduced energy consumption
and adoption of solar power systems
Objective of TADF
Conclusion
Facilitation of Green, Clean and Energy efficient
technologies through MSME TADF contributes directly to the Make In India
Projects under TADF take the form of patents, Scheme to promote manufacturing in India
customized products, technology, specialized Scheme facilitates the acquisition of green and
services and industrial design clean technologies by SME
TADF helps bridge the technology transfer
TADF Schemes
between international and domestic player at
Direct technology acquisition 50 % subsidy or affordable cost
20 lakhs reimbursed for technology transfer
TADF schemes will promote green concept mechanisms and adoption of green
among MSME technologies
Adoption of clean and green technologies will TADF will benefit both the manufacturing sector
be encouraged and at the same time contribute to the
Environmental pollution will be reduced to a environment as a whole through adoption of
great extent through proper waste disposal clean and green technologies
Better Than Cash Alliance Network
Introduction Implications for India
The move towards cashless economy in India has its Better than Cash Alliance fueled the worlds
roots from Jan Dhan Yojana triggered through UNs largest financial inclusion system of Jan Dhan
Better Than Cash Alliance Network Yojana in India
Helped open about 180 million accounts in a
Background
year accumulating to $3 billion in deposits in
Better than Cash Alliance Network is an India
initiative of United Nations Capital Development Brought nearly 300 million Indian citizens under
Fund (UNCDF) formal banking sector in 3 years
UNCDF is the secretariat of the alliance based The financial inclusion along with Aadhar
at United Nations identification will help in identification of
It is a partnership of international agencies, beneficiaries to provide subsidies
companies and countries The LPG subsidy is a major success in India
Alliance is funded by Bill and Melinda Gates through DBT saving $2billion to GOI annually
foundation, Master card, Citi foundation, Visa, India can enhance its research and technology
Omidyar network and Ford foundation by joining in the alliance
India gained a policy partner through the
Aims and Benefits
alliance
Aim is to help countries to make a transition to India is a great case study and success story of
electronic or digital payments Better than cash alliance
Alliance promotes inclusive growth
It reduces poverty by helping nations to benefit Conclusion
poor directly India has benefited a lot from the alliance in the
The alliance promotes financial inclusion recent demonetization scenario
It enhances digital finance GOI has partnered with the alliance to make a
Reduce costs for countries change to cashless economy
Women empowerment
Increases transparency levels
It has improved transparency levels to a great Creating awareness and changing the attitude
extent by bringing most of the financial of the Indians from traditional to modern
transactions under formal banking sector methods is a big challenge
Alliance has given India the required India is progressing to a cashless economy
infrastructure and technical expertise to change despite facing a lot of hurdles and challenges
to a cashless economy UN Better than cash alliance is an aid to Indias
The alliance has helped India develop a digital Digital India Mission
economy Overall, India is changing with the partnership of
the UN Better than cash alliance
Sovereign Gold Bonds Scheme
Introduction Risk of gold price changes borne by the Gold

Reserve Fund created by RBI
Sovereign Gold Bonds scheme was launched in the
GOI aims to shift 300 tonnes of Gold purchased
budget session 2016 and approved by the cabinet
annually as bars and coins into the Gold Bond
to reduce the demand for physical gold
Scheme
Background This Gold Bond scheme is expected to help GOI
sustain the current account deficit
India is one of the largest importers of Gold in
the world
How does Gold Bonds Work?
The demand for Gold in India is rising rapidly
Gold Bonds are sold in banks
Imports of India see a hike with Gold as the
Investor can walk in buy the gold bonds from
major contributor
the banks preferably where they have their
This affects the balance of trade figures for
Saving Bank accounts
India
Gold Bonds are treated in a similar manner as a
GOI needed to restrict the Gold imports to have
Bank Fixed Deposit
a positive balance of trade
The interest rates are fixed at 1 to 2 percent
This created the need for Gold bonds scheme
The tenure of the bond is from 5 to 7 years
Gold Bonds are seen as an alternative to
Value of the bond is determined by the gold
purchase gold metal
price movements in the market
About Gold Bonds Gold Bonds have an attractive feature
The investor will get the value of bond according
Gold Bonds are issued by RBI with a fixed
to the prevailing gold prices in the market at the
interest rate
time of redemption
Ministry of Finance is the concerned ministry
In this manner, the investor will get the same
RBI in consultation with Finance ministry
benefit of purchasing the metal gold without
determines the issuing amount
actually purchasing it
In this manner, GOI can restrict Gold imports to Limitations

a certain extent
NRI cannot buy gold bonds issued by RBI
Returns on gold bonds can be positive or
Common Indian buys gold for marriage and
negative
other occasions as a Jewellery and not for
All risks of the gold bond are covered under the
investment purpose
Gold Reserve Fund
The attitude of a common Indian towards gold
Features of Gold Bond is not of investor nature

This attitude will see a Luke warm response to
Bonds issued by RBI with a sovereign guarantee
the Gold bonds scheme
Bonds can be easily traded and sold on
Also, the interest rate offered is very low in the
exchanges
tune of 1% to 2%
Gold Reserve Fund will be created by GOI
through RBI Conclusion
On gold bond maturity, redemption will be made
The effectiveness of the scheme will depend on
in Rupee only
the investor attitude towards the gold bond
Price of gold bond will vary with the market
scheme
prices of gold
GOI must take steps to change the mindset of
Investor needs to be aware of this price volatility
Indians from viewing gold as a jewellery or a
Gold bond deposits will not be hedged
status symbol to an investment avenue
RBI has fixed tenor of the bond from 5 to 7
This transition in behavior of Indians will take
years to protect the investors from medium
time
term volatility
Overall, Gold bond scheme is a welcome
measure to cut imports on gold purchase
Kalinga Shiksha Sathi Yojana
INTRODUCTION Government of Odisha have been pleased to

further reduce the financial stress of the parents
The Odisha Government launched a new scheme
facing hardship in paying high rate of interest
named Kalinga Siksha Sathi Yojana (KSSY) for the
by providing financial assistance in form of
aspiring students, who are willing to proceed with
interest subvention against education loan
further high studies on 27th June 2016. This scheme
availed by students from scheduled bank under
was launched by Odisha Chief Minister Mr. Naveen
this new scheme Kalinga Siksha Sathi Yojana
Patnaik. He has announced this new education loan
to attain their educational goal, meet their
scheme for the students at only 1% interest. This
professional objectives and succeed in future in
scheme is a very innovative scheme for the
their life.
ambitious students of Odisha.
ELIGIBILITY CRITERIA
OBJECTIVES
Must be a resident of Odisha.

A student only will be eligible for this scheme if
EDUCATION LOAN DETAILS
he deposits parallel to the bank according to
the rules of the bank. This scheme can be called a conventional
Family income must be below 4.5lakh per educational loan for the poor and ambitious
annum. students who are unable to pursue higher
There is no minimum loan amount mentioned in education due to financial inability.
the scheme. Minimum Loan: There is no minimum loan
Maximum 10lakh educational loan availed. amount mentioned in the scheme.
Security deposit as per bank rules.Students will Maximum Loan: 10lakh
have to repay the educational loan amount Time Period: 4-5 years from the date of the
after 4-5 years moratorium period. The time will education loan sanctioned.
be calculated from the date of the education Interest Rate: Very low-interest rate 1%.
loan sanctioned.
DOCUMENTS REQUIRED
Bankers to decide to whom loan would be
provided. Age Proof of the students (Birth Certificate/
Should not have availed similar benefit from any Class X Admit Card)
other Government or Institution for the same Copy of Mark sheets
purpose. Id Proof (Voter Card/ Pan Card/ Aadhaar Card/
Driving License etc.)
KEY FEATURES Income Certificate of the family.
This scheme is an educational loan for the poor Security Documents.
and ambitious students who want pursue higher Bank account statement (for Business holders)
education.
LIST of COURSES under KSSY
The loan facility will be given to the students on
the basis of their merit and the total annual Engineering
income of their family. (Electrical/Mechanical/Civil/Computer/Electroni
Under this educational loan scheme, the interest cs/IT etc.)
rate will be 1% which is the lowest interest rate Medical (MBBS/MD)
on any education loan till date. Law (LLB/LLM)
The main intention of this scheme is to release Management (BBA/MBA)
the financial burden from the shoulders of the Vocational Training or Courses
parents of the aspiring students.
The Odisha government is allotted the budget
for this scheme is nearly 500 crore from its own
resources.
OVERALL INFORMATION
Fields Data
Name of the scheme Kalinga Siksha Sathi Yojana
Launched by Chief Minister of Odisha Mr Naveen Patnaik
Launched on 27th June 2016
Eligibility Poor and Ambitious students
Family annual income limit Rs. 4.5lakh per annum
Education Loan amount 10lakh
Interest Rate 1%
Time period 4-5 years
Courses Medical, Engineering, Management, Law
The budget of the scheme Rs. 500 crore
Pradhan Mantri Yuva Yojana
INTRODUCTION than 7 lakh youngsters will be provided

entrepreneurship education and training program
Minister of State (I/C) for Skill Development and
through 3,050 institutes across India.
Entrepreneurship Shri Rajiv Pratap Rudy launched
the Pradhan Mantri YUVA Yojana on 9th November, OBJECTIVES
2016, MSDE scheme on entrepreneurship education
The main objective of the scheme is to
and training programs for youngsters for next
encourage youngsters and also make them well
5years and marking the 2nd Foundation Day of
prepared for the global competition.
Ministry of Skill Development and Entrepreneurship.
Under the scheme to provide the young
Under this scheme the entrepreneurs will getto
entrepreneurs proper guidance and learning
know about skill development programs and much
now MSDE has come up with the training
more learning and developing process for the
scheme.
betterment of their future. This scheme will run for
five years from 2016-17 to 2020-21 with a project
cost of about 499.94 crore. Under this scheme more
The scheme will be for the youngsters who are countries in the field of entrepreneurial skills till
educated but not skilled and knowledgeable date.
enough to face global competition. MSDE also unveiled the Lab Guidelines towards
This scheme overall aims for the betterment of standardization of lab equipment across skill
the nations economy. development training centers in India at the
conference. As mention there will be 50 Skill
KEY FEATURES
Development Institutions that will be involved in
After becoming a party of this Ministry, these this scheme.
MSDEs two institutes are now focusing on The Award under this scheme has introduced to
mentorship of budding entrepreneurs across the motivate youngsters who are below 30 to
country and succeed so far and we are contribute more to the entrepreneur ecosystem
determined to create more opportunities of of the nation through many innovative ways.
employment for our youth through this The Award Ceremony will be held on 16th
initiative. January, 2017.
The institutes under this scheme include 2200
ADVANTAGES
institutes of Higher Learning (colleges,
universities and premier institutes), 300 schools, The scheme follows the Start-Up India Scheme
500 ITIs and 50 entrepreneurship development where people can start their own business
centers through Massive Open Online Course instead of looking for jobs.
(MOOCs). This scheme is for the young entrepreneurs
MSDEs two institutions dedicated to across the nation.
entrepreneur education and training- NIESBUD The scheme is that now youngsters will be more
and IIE- have trained more 7 lakh trainee motivate and contribute in the workflow and
including 2600 person from more than 125 cash inflow of the economy.
Important Highlights
Fields Data
Name of the Scheme Pradhan Mantri Yuva Yojana
Ministry Skill Development and

Launched
Entrepreneurship (MSDE)
Minister of State (I/C) for Skill

Development and
Launched by
Entrepreneurship Shri Rajiv Pratap
Rudy
Launched on 9th November, 2016
Places Across India
Skill Development Program for

Aim
young entrepreneur
No. of Institutions 3,050
No. of Trainee 7 lakh
Time 5 Years
Budget Cost Rs. 499.94 crore
Kisan Credit Cards

Why Kisan Credit Cards?
What is a Kisan credit card? To provide timely credit facility to support

agriculture and allied activities.
Kisan Credit Card is offered to farmers in India in
To eliminate unregulated credit by money
order to enable them to access affordable credit.
lenders.
Reserve Bank of India (RBI), along with National
To boost nation's Agribusiness environment and
Bank for Agriculture and Rural Development
productivity to international standards.
(NABARD) initiated the conception of Kisan Credit
Cards (KCC) in 1998-99, in order to assist How do Kisan Credit Cards work?
agriculturists to have easily accessible cash credit
Based on the land holdings and the income
facilities.
earned from the cultivation in it, banks issue
Kisan Credit Card facility was proposed by the farmers Kisan Credit Cards.
Finance Minister Shri Yashwant Sinha in the The card holder/ farmer should have a good
FY1998-99 Budget, with the objective of providing credit history to be eligible for the KCC.
accessible short-term credit to farmers to meet their The Card holders get facilities like passbook,
immediate credit requirements during the crop particulars of land holding, address, validity
seasons. period, credit limit, etc., which acts as the

customers unique identification and as a
Reserve Bank of India (RBI), with National Bank for system for tracking transactions.
Agriculture and Rural Development (NABARD),
shouldered the responsibility and initiated the Kisan
Credit Cards in India.
Kisan credit cards can be used at outlets, as well Time and cost-efficient scheme.
as to withdraw cash to make the necessary Comparatively lower interest rates.
purchases for agriculture. Single term loan for all agricultural
requirements.
Interest and other charges on Kisan Credit Cards
Flexible repayment options.
Kisan Credit Card interest rates, as well as credit Assists in the purchase of fertilisers, seeds,
limits, varies from bank to bank. Generally, the availing cash discounts from merchants/
applicable interest rate per annum for Kisan dealers, etc.
Credit Cards is 9%, for a maximum Rs. 3 Lakh as Funds withdrawal from any of the Banks
a credit limit. branches, as per the sole discretion of the bank
The Central government subsidies on interest is possible.
rate applicable to the financing institutions, Income from agriculture and allied sources
provided that the cardholders credit history is determines the maximum credit limit.
good. Repayment of the credit can be made once the
The additional interest subsidy of 2% is provided harvest season in over.
and if the customer has a soundtrack record for An elaborate documentation process is not
3 years, She/he is eligible for an increased credit required or continuous appraisals under the
limit. Kisan Credit Card Scheme.
Other charges and fees involved in taking credit Cash withdrawal using the Kisan credit card
under KCC scheme are insurance premium, requires very little paperwork, it is simple and
processing fees, charges on land mortgage hassle-free for both ( the card holder and bank).
deed, etc. Some other advantages include no transaction
costs, lesser risks in loan recovery, etc.
Benefits of Kisan Credit Cards
Top Banks Providing Kisan Credit Card in India

NABARD and other Agri-allied activities, at a comparatively
lower cost.
NABARD offers term loans and easily accessible
credit to farmers to meet their basic agricultural IDBI
expenses.
IDBI offers Kisan Credit Cards to farmers along with
State bank of India additional features like crop loans, investment
credit and working capital for meeting agricultural
Short-term credit is offered to farmers, for the
expenses.
purpose of meeting the credit requirements for
production, expenses related to agriculture allied National Payments Corporation of India (NPCI)
activities, as well as contingency reserves and and KCC
expenses.
RuPay Kisan credit cards are to be offered by
Bank of India National Payments Corporation of India (NPCI), as a
part of its domestic card scheme for multilateral
The Bank provides financial support to farmers in
payments in RuPay platform.
order to meet the expenses involved in cultivation
Under PMJDY( Jan Dhan Yojana), debit cards are 50,000 in the event of deceased(death), and Rs.
offered in RUPAY platform. 25,000 in the case of disability.
In order to avail this insurance cover, the customer
Insurance under Kisan Credit Card Scheme
should not be above the age of 70 years at the time
A personal accident insurance cover for farmers of availing the Kisan Credit Card
who have a Kisan Credit Card, as soon as the
customer avails the scheme is provided. The
individual gets a personal accident cover of Rs.
Digi Dhan Vyapar Yojana: Key Points To Know

To convince merchants to shift to digital
transactions
Digi Dhan Vyapar Yojana
To promote the use of UPI, USSD, Ru Pay cards
Launched on 15 December 2016 and Aadhar Enabled Payment System (AEPS)
Launched by Prime Minister Narendra Modi
Rewards Under this Scheme
Proposed by NITI Ayog headed by Arvind
Panagariya Prizes for Merchants for all digital transactions
conducted at Merchant establishments
What is NITI Ayog?
Weekly prizes worth Rs. 50,000, Rs 5,000 and Rs.
NITI Ayog stands for the National Institution 2,500
for Transforming India. It was founded by Mega Draw on 14th of April Ambedkar Jayanti
Narendra Modi on 1 January 2015. NITI Ayog 3 Mega Prizes for consumers
replaced the Planning Commission. Rs. 1 crore
Planning Commission was an institution which Rs. 50 lakh,
helped to formulate the Indias Five Year Plans, Rs. 25 lakh
but it was dissolved by our Prime Minister Shri for digital transactions between 8th
Narendra Modi in 2015. November 2016 to 13th April 2017 to be
Digi Dhan Vyapar Yojana was launched with the announced on 14th April 2017
objectives to make India Cashless and Digital as 3 Mega Prizes for merchants
well. Rs 50 lakhs,
Rs. 25 lakh,
Need Of Digi Dhan Vyapar Yojana
Rs. 12 lakh
Belongs to merchants for digital transactions between 8th
To increase transparency in the business November 2016 to 13th April 2017 to be
transactions annonced on 14th April 2017
To eradicate corruption
To remove the influence of cash on economic Selection Criteria
and political system
Incentives shall be restricted to transactions The winners will be selected through a random
within the range of Rs 50 and Rs 3000 (common draw of the eligible Transaction IDs
people)
Conclusion
All transactions between consumers and
merchants; consumers and government The main objective of this Digi Dhan Vyapar Yojana
agencies will be considered for the incentive is to increase the Cashless Transactions and to
scheme make our country Digital. These efforts of the
AEPS transactions will be considered for the government will take India to the paramount of
incentive scheme development.
4 Projects Under Nava Kerala Mission
INTRODUCTION Under this scheme, one of the projects is Haritha

Keralam. It means organic farming for agricultural
The Kerala Government launched four projects
development and preserving water sources would
under Nava Kerala Mission for comprehensive
be the main focus. The project force on the
developments in the fields of housing, health,
cleanness of the state and to organising various
education and agriculture. The mission was
wastes management schemes. The scheme also
launched by The Governor of Kerala P. Sathasivam
maintains to make a proper and healthy
and Chief Minister of Kerala Mr Pinarayi Vijayan on
environment. As a result, the environment will keep
10th November 2016. The Main initiative of this
the society healthy and free from many diseases.
Mission is to the development of the State & to
intensify the position of Kerala on the map.
Ardram
OBJECTIVES The scheme is aimed at improving quality and

facilities at government hospitals for the poor
The government of Kerala is trying to develop all
people and to enable treatment at a reasonable
the sector of state and want to make its position on
price. I hope Ardram would bring in a sea change in
the map of India.
the states healthcare sector.
Government plans to implement the projects on
Education System
time bound basis with the support of civic bodies.
This is a scheme to protect and strengthen the
These schemes would address four key areas of life,
public school system of Kerala also to ensure the
namely health, education agriculture and housing
school system by bringing up Nobel teaching
with the help and involvement of local governments.
methodologies. This scheme is for the school system
whose primary person is to distribute training in the
PROJECTS middle of every individual. So that, every student
can get the basic education.
Haritha Keralam
Life Scheme bringing up the quality of life in the mission. The

target of the plan to build houses for 4.32 lakh
There are large numbers of poor people in the state
families in Kerala and approximate budget for this
who live without the house. So the Government will
scheme will be Rs. 6000-6500 crore.
decide to provide housing for the homeless and
Major Points
1. Project Name Nava Kerala Mission
2. State (which launched the projects) Kerala
3. Inaugurated by Governor of Kerala - P. Sathasivam
4. Launched by Chief Minister Mr Pinarayi Vijayan
5. Place Thiruvananthapuram
6. Date: 10th November 2016
7. Name of the Schemes under Nava Haritha Keralam, Ardram, Education System,
Kerala Mission Life Scheme
8. Projects Health, Education, Housing, Agriculture
Lucky Grahak Yojana by NITI Ayog
LGY but it was dissolved by our Prime Minister Shri

Narendra Modi in 2015.
LGY stands for the Lucky Grahak Yojana. It is also
Lucky Grahak Yojna was launched with the
known as Digi Dhan Vyapar Yojana. As its name
objectives to make India Cashless and Digital as
suggests that its a lucky draw scheme. This scheme
well.
was launched by NITI Ayog.
Need of Cashless and Digital India

What is NITI Ayog?
To remove corruption and black money from
NITI Ayog stands for the National Institution
India there is a need of this Yojana. If this
for Transforming India. It was founded by
Yojana becomes successful in making our India
Narendra Modi on 1 January 2015. NITI Ayog
Digital, then Corruption and many other evil
replaced the Planning Commission.
practices will automatically be removed.
Planning Commission was an institution which
helped to formulate the Indias Five Year Plans,
How it make India Cashless and Digital? On 14th April three Lucky draws will be
announced for those Consumers who did digital
In November 2016, our government took
transactions between 8th November 2016 to
initiative to make our India free from corruption
13th April 2017
and black money holders. For this, the
government banned 500-1000 notes. People First Prize- Cash Prize of 1 Crore
face many problems regarding the exchange of
currency So, they started doing cashless Second Prize- Cash Prize of 50 Lakhs
transactions. No doubt, that people are familiar
Third Prize- Prize of 25 Lakhs
with these activities, but most of the people
avoid doing cashless transactions because most On 14th April three Lucky draws will be
of the people dont know how to do Cashless announced for those Merchants who did digital
transactions. After this more than 50% started transactions between 8th November 2016 to
making cashless transactions. 13th April 2017:-
For making people more aware of the cashless
First Prize- Cash Prize of 50 Lakhs
transaction our government started Lucky
Second Prize- Cash Prize of 25 Lakhs
Grahak Yojana. In this Yojana, there is a lucky
Third Prize- Cash Prize of 12 Lakhs
draw for those who will do more cashless
transactions during a particular period. This Selection of Lucky Grahak
scheme is for merchants and customers only.
For selecting the persons for the lucky draw there is
Our Government decided to give the Christmas
a simple method which is the random
gift to our Nation So, First lucky draw will be
selection. NPCI has made a software through which
declared on 25th December 2016.
they make payment of that Lucky Grahak person.
The second Lucky draw will be declared on 14th
National Payment Corporation of India (NPCI) is a
April 2017 on the occassion of Dr.Ambedkar
non profit organisation which took the initiative to
Jayanti.
make India Digital. As its motive is to make the
Terms & Conditions middle class and poor people aware about the
Digital India.
Those who are doing cashless transactions by
using AEPS, USSD, UPI, RuPay. They will be Conclusion
eligible for this scheme.
The main objective of this Grahak Lucky Draw
Those who are doing cashless transactions
Yojana is to increase the Cashless Transactions
through credit card, debit card and other
and to make our country Digital.These efforts of the
applications like E-Wallet. They will not be
government will take India to the paramount of
eligible for this scheme.
development.
NITI Ayogs CEO Mr Amitabh Krant announced
that (NPCI) National Payment Corporation of
India will distribute gifts to customers by
cashback prizes of Rs.1000 in the next 100 days
which is starting from 25 December.
MCLR : Marginal Cost of Funds Based Lending Rate- Explained
Introduction RBI has included the following main components

in marginal cost
RBI recently made its move from the historic
Return on net worth (capital adequacy norms)
Benchmark Prime Lending Rate (BPLR) to Marginal
Repo rate (short term borrowing rate) and long
Cost of Funds Based Lending Rate (MCLR) in April
term borrowing rate
2016 as the current rate setting method for lending
Interest rate given by banks to various deposits
money by commercial banks
including
Need for MCLR Savings deposit
RBI changes the repo rates and other rates Term deposit
periodically but the banks are slow in changing Current deposit
their interest rates according to RBI rates Foreign currency deposit
Most commercial banks do not change their

lending rates to customers
Ultimately, bank customers does not receive the What are other components of MCLR?
benefits aimed by RBI CRR negative carry charged on customers
Till now, RBI was verbally instructing the RBI does not pay any interest to banks for CRR
commercial banks to change their lending rates maintained by them and hence banks charge
with every Repo rate change interest to customers for this idle money in RBI
The real benefit of repo rate change will be Tenor premium of charging higher interest rates
realised only when the customer gets benefited on long-term loans
With the New MCLR, there will be quick change Exclusion of factor minimum rate of return
in the lending rate and the commercial banks under MCLR
will have to oblige with RBI at a fast pace as Overall, MCLR is mainly determined by the
repo rate is included in MCLR calculation marginal cost and the deposit rate
How MCLR is calculated? Benefits of MCLR

RBI has instructed all the commercial banks to MCLR revised on monthly basis benefiting bank
calculate their marginal cost customers especially borrowers
Novel feature of MCLR is the inclusion of repo Banks to compete with commercial paper
rate along with marginal cost market
Commercial banks now must include the Reduces borrowing cost for companies
marginal cost components along with the repo Indian banking industry moves towards
rate to arrive at the MCLR lending rate international standards
What are the Marginal cost components? Pitfalls

Marginal cost weightage in MCLR 92 %, return
on net worth 8%
MCLR rule exempted for loans given to retired banks change their lending rates according to
employees, existing employees, government the repo rate cuts
schemes etc The ultimate success of MCLR lies in the end
Banks will be reluctant to change to MCLR rule user getting benefited
due to cut in interest rates as currently, it is up Lending rates will see quick change in MCLR
to the customer to exercise their loans under The entire economy of India will get a boost with
MCLR as an option increase in rate transparency as a result of
MCLR - A change in repo by RBI reflects on the
Conclusion
loans borrowed by individuals from banks
Bank customers will quickly get the benefit of Overall, this MCLR regime is one of the
the repo rate changes from their respective innovative measures of RBI to improve Indian
banks banking system to global standards
Banks also get benefited to compete with
commercial paper market
Companies and borrowers will get benefited
with the low-interest rates for short term loans
and reflection on repo on lending rates
MCLR has to be implemented by RBI with a
strong monitoring system to check whether
Aadhaar Enabled Payment System (AEPS) : At a Glance
Introduction Aadhaar to Aadhaar fund transfer

Cash withdrawal
Aadhaar Enabled Payment System is a major
Cash Deposit
initiative taken by Government of India to initiate a
Balance Enquiry
simple, secure user friendly mode of payment
solution by Micro-ATM. It also empower Cashless
Economy in the country in future. The basic
meaning of AEPS is a customer can pay During Any Basic Transactions a customers
through Aadhaar Card, i.e. Empowering Cashless needs:
transactions in the country. Through Aadhaar Card IIN (Issuer Identification Number) It is the
a customer can access his/her bank account. Identification number to recognise the Bank to
However, these days Government of India is also which the customers banks account is
trying to empower bank customers to use Aadhaar associated.
as his/her main identity to access his/her respective Aadhaar Card Number It is a 12 digit unique
Aadhaar enbled bank account and perform various identification number provided by the Gov. of
transactions like balance enquiry, cash deposit, cash India at the time of enrolment.
withdrawal, Pay through Aadhaar, etc. Finger Print A customers need his/her finger
print which was captured during their
Basic banking transactions through Aadhaar Card
enrolment.
Step 8- NPCI now confirms to SBI

Step 9 SBI deduct the amount which
Major Role Played by NPCI in AEPS:
customers want to pay/credit.
NPCI (National Payment Corporation of India): It Step 10 Now customers get confirmations bill
was founded in 2008, Headquarters at Mumbai, from Mini ATM.
It is the umbrella organisation for all retail
Benefits of AEPS:
payment systems in India, which aims to allow
all Indian citizens to have unrestricted access to Aadhaar enabled Payment platform is a very
e-payment services. important tools to rule out all the fake data in
NPCI conducts all government the system concerning National Social
benefits/subsidies to beneficiary account in a Assistance Programme (NSAP).
secured and transparent manner. The basic theme of Direct Benefit Transfer is to
It also provides a unique platform to use safe ensure that the beneficiary gets their benefit
and secure payment interface to avail those through Aadhaar Enabled Payment System
benefits by using their finger prints. (AEPS) which is an accountable, cost-effective
NPCI is directly in touch with Unique and transparent.
Identification Authority of India to provide
Aadhaar Enabled Payment Service to reduce the Pradhan Matri Garib Kalyan Yojana &
forgery in Indian Financial System. Demonetization
Introduction
Basic Layout/ How it works: Since 2015, Our Prime Minister Shri Narendra Modi
has been doing many things for the welfare of our
Let us understand by using flow chart. I Hope it will
country. He started a number of schemes for the
clear everything. But here I will describe the
welfare of the Indians. He has visited a number of
following steps.
countries to sign various deals to make our country
Step 1 Customer swaps his/her cards at Mini developed. He started around about 30 schemes
ATM. like Jhan Dhan Yojana in 2014, Mission housing for
Step 2 Mini ATM fetch data from Customers urban in 2015, Digital India in 2014, Mudra Bank
Bank Yojana in 2015, Beti Bachao, Beti Padhao in 2015,
Step 3 Customers bank get confirmation from Swachh Bharat in 2014, Pradhan Matri Garib Kalyan
NPCI. Yojana in 2015 and many other.
Step 4 NPCI get confirmations from UIDAI.

PMGKY
Step 5 UIDAI approve confirmed details about
customer Account to NPCI. PMGKY stands for Pradhan Matri Garib Kalyan
Step 6 Again after getting confirmation from Yojana. This Yojana was launched in 2015. The
UIDAI , NPCI again asks Creditors details to objective behind this Yojana is to improve the
his/her banks. financial position of the poor people. It is basically a
Step 7- Creditors Bank Approve details of poverty alleviation program. Under this program
creditors to NPCI number of workshops were held.
The Benefits of this scheme How is Demonetization helpful?
A number of benefits are there for this scheme. As As we know that under Demonetization if someone
we know that this scheme is valid for BPL families. tried to make deposits more than 2.5 lakhs then he
BPL stands for Below Poverty Line. This scheme will have to pay a penalty around 60% on his
provides help to poor people. The main objective of deposit amount.The amount collected as the
this scheme is to improve the condition of society penalty under demonetization drive will be used for
and remove the poverty from India. the welfare of the poor people.
Demonetization Under PMGKY Conclusion
As we know that from a month ago demonetization This Yojana will help to improve the society. A Garib
is in talks. As Prime Minister banned 500 and 1000 Kalyan Mela in 2015 was conducted in 22 districts
Notes. This is done by The Prime Minister to stop of Gujarat. Just because of this Yojana, many poor
the corruption and malpractices in India. To find out people got their rights. This scheme is beneficial for
the ratio of black money in our country, our Prime BPL and to lift up the poor people and make weaker
Minister Shri Narendra Modi started this. section strong. The main motive of this scheme is to
make our country developing to developed.
Rules of Demonetization
People who have the black money or undeclared

income will have to pay taxes with a penalty. All the
money which is deposited into the bank is under the
eye of Income Tax Officers. The limit to deposit the
money is 2.5 lakhs only for one person each. If he
tries to do deposit more than 2.5 lakhs, then he will
be answerable to Income Tax Department.
Vasundhara Raje's Annapurna Rasoi Yojna

Following the footsteps of Amma or Jayalalitha, Nutritious will be provided at Rs. 8.
Rajasthans Chief Minister Vasundhara Raje has Subsidised food will be offered to people belonging
launched Annapurna Rasoi Yojna to provide to different sections of society.
nutritious food to street-dwellers, vendors, rickshaw- The scheme is implemented in 12 districts including
pullers and students and working women. Jaipur, Jodhpur, Kota, Ajmer, Bikaner, Udaipur,
Bharatpur and many other districts along with
The salient features of the schemes are as
Rajes constituency Jhalawar.
follows:
Background of the scheme
Scheme was launched on December 15, 2016
It was launched at Municipal Corporation Office, The inspiration of Annapurna Scheme is derived
Jaipur from Jayalalithaas Amma Unavagam means
People will be provided breakfast at Rs. 5. mothers kitchen. The scheme was launched in 2013
to introduce a string of restaurants to offer low-cost In the first stage, 80 vans will be employed to
good food to economically backward sections of distribute food Jaipur, Jodhpur, Bikaner, Pratapgarh
society. etc. at the self-governance units.
Under this scheme various canteen were There will be adequate space in these vans to sit
incorporated in the state to provide people healthy and eat.
food. The skilled staff will be trained to prepare meals
The scheme was a great hit in Tamil Nadu as some with their gloves, head-masks and aprons on.
of the kitchens are operated with solar energy. There will be a menu displayed on the vans
Ammas canteen offer rice, chapati and sambhar prepared keeping in view the nutritional
and pongal. The cost varies between Rs. 3 to Rs. 5. requirements so that the food can be prepared
accordingly.
More than 60 vans will be serving under this
scheme.
Notable Things Of Annapurna Scheme
4 Insurance Schemes Launched for People with Disabilities (PwD)

Introduction Treatment took from any hospital
Insurance scheme on reimbursement basis only
The current central government has introduced
insurance schemes exclusively for PwD under the Swavlamban Health Insurance Scheme
Sugamya Bharat Abhiyan (Accessible India
New India Assurance Company is the
Campaign).
implementing agency
Nodal Agencies Uniform premium of 357 rupees per PwD person
through out the country
Department of empowerment of PwD
Sum insured is 2 lacs for a year and will cover
Ministry of social justice and empowerment
PwDs in the age group of 0 to 65 years
Niramaya Health Insurance OPD benefits include 10000 p.a per PwD and
Scheme available all over India except J&K 3000 p.a for mentally retarded people
Insurance cover of up to 1 lac to PwDs PwD family including spouse and up to two
Single premium across age bands children are covered by this scheme
PwDs with disabilities under the National Trust No premedical tests involved
Act are eligible Cashless treatment to be taken in New India
No need for pre-medical tests before enrolling in Assurance created network of hospitals for free
the policy treatment under the policy
OPD treatment facility available including Claims must be made to New India Assurance
medical check-up, tests, medicines, corrective with PwD certificate
surgeries and therapies Swavlamban excludes people with autism,
Alternate medicine to reduce disability impact cerebral palsy and Multiple disabilities
Covers transportation costs
Gharaunda Scheme Minimum attendance fixed at 15 days

To provide basic medical care facilities for life Covers medical treatment of the disability and
long to PwDs other health care services
Professional doctors to offer quality health care Scheme available throughout India except for
services J&K
Scheme available throughout India except for National Trust will fund the PwD
J&K
Every Gharaunda centre to have a maximum of
30 PwDs including LIG and above LIG PwDs in Conclusion
the ratio of 1:1
GOI has introduced a slew of measures under
Payment to be received annually from family
the Accessible India campaign
members or institutions or guardians
This gives importance and recognises the
Covers all adult PwDs included in the National
importance of PwDs in the society
Trust Act
The contribution of PwDs to the society is on the
rise
The enrollment of PwDs in the government jobs
Vikaas Scheme is also on the rise
It is a medical day care scheme for welfare of The above health insurance schemes will boost
PwDs the confidence of PwDs and enable them to live
Daycare offered to PwDs for a minimum of 6 with self-esteem in the society
hours daily (8 AM to 6 PM) The hospital and medical expenses of the PwDs
Maximum batch size of a Vikaas centre is 39 are eliminated to the core with these schemes
Day care centres to be opened for a minimum of
21 days in a month
Swavlamban Health Insurance Scheme: All You Need To Know
Introduction Department of Empowerment of Persons with

Disabilities under ministry of social justice is the
Swavlamban Health Insurance Scheme was
monitoring agency
launched on October 2, 2016, exclusively for People
with Disabilities (PwD).
Objectives of Swavlamban
Implementing Agencies To give low cost and affordable health

insurance to PwD (includes people with low
New India Assurance Company is the
vision, Blind, hearing impairment, mental illness,
implementing agency
leprosy, mental retardation, loco-motor
Ministry of Social Justice is the ministry
disability)
concerned with Swavlamban Scheme
To improve quality of life of PwD
To improve PwD condition of general health Grievances are monitored by a Dispute

resolution committee consisting of
representatives from the Department of
Features of PMFBY
Empowerment of PwD and New India Assurance
Uniform premium of 357 rupees (which is 10% of
the actual premium + Service Tax) per PwD
Advantage of Swavlamban
person throughout the country
Sum insured is 2 lacs for a year Cashless treatment for PwD in the designated
Swavlamban will cover PwD people in the age hospital networks identified by New India
group of 0 to 65 years Assurance
PwD must carry the PwD certificate issued by Free OPD treatment up to 10000 rupees also
PwD Act, 1995 to get enrolled included in the health insurance scheme
PwD family including spouse and up to two Family of PwD is also covered which is an
children are covered by this scheme additional benefit of the scheme
In case of minor PwD, parents of PwD are also Swavlamban helps people with PwD to be
covered recognised in the society and live with self-
PwD with family income not exceeding 3 lacs p.a esteem
are eligible Treatment is offered to PwD for preexisting
There are no premedical tests involved before medical problems also
enrolling into the policy Claim settlement is done in a transparent
OPD benefits include 10000 p.a per PwD and manner
3000 p.a for mentally retarded people Redressal mechanism is efficient until the PwD
concerned is satisfied
Enrollment procedure made simple through the
Claim and Redressal
New India Assurance network
New India Assurance in the nodal agency for
Swavlamban
Limitations of Swavlamban
New India Assurance has created a network of
hospitals for the beneficiaries of Swavlamban to Swavlamban excludes people with
get free treatment under the policy Autism
PwD getting treatment outside the network Cerebral palsy and
must get the consent and approval of New India Multiple disabilities
Assurance Swavlamban emergency procedures and
However, in case of emergency, PwD insured provisions must be enhanced further
can be admitted in another hospital outside the Awareness about Swavlamban health insurance
network without prior approval scheme is limited among PwD
Claims must be made to New India Assurance
with PwD certificate Way Forward
Grievances must be lodged to New India
Swavlamban is a sign of progress for the
Insurance authorised person for resolution
welfare of PwD
Awareness about the scheme must be enhanced Initial steps to be taken to cover all PwDs
and more PwD must be enrolled in the scheme working in the formal sector
GOI has introduced a slew of welfare measures Identification of beneficiaries is a key challenge
for PwD in this fiscal year including Swavlamban Overall, the scheme is a positive measure in
but the implementation and monitoring must be utilising the PwD talent and recognising them as
enhanced further respectable individuals in the society
Key Points Of Project Saksham for CBEC
Introduction
The Central government Cabinet Committee on Central Board of Excise and Customs (CBEC)
Economic Affairs (CCEA) headed by Prime Minister
CBEC is a part of finance ministry under the
Mr. Narendra Modi approved Project Saksham to
department of Revenue
ease GST implementation on 28th September 2016.
Deals with policy formulation pertaining to
Project Saksham is a back end IT Infrastructure
customs, excise and service tax
project integrating CBEC and GSTN systems.
Administers the prevention of smuggling
activities
Administers all indirect tax laws
Need for Project Saksham
Main role is the regulation of import and export
GST is to be rolled out by April 1, 2017 trade
In order to integrate GSTN with CBEC, IT Frames the EXIM Policy of India
infrastructure has to be upgraded Publishes all export and import related
Project Saksham integrates CBEC and GSTN procedures and documents
Systems Subordinate houses include
Project Saksham is developed under Digital India a.Central excise commissionerates
Initiative b. Custom houses
c. Central revenues control
d. Service tax commissionerates
Project Cost and Tenure Head quarters located at Ministry of Finance,
New Delhi
Project Saksham cost is 2256 crores
Tenure of the CBEC and GSTN integration project is
7 years Goods and Service Tax Network (GSTN)
Established under section 8 of new companies

act
Concerned Authorities Non-Government entity
Central Board of Excise and Customs (CBEC) Not for Profit organization
Goods and Service Tax Network (GSTN) Private Limited Company
Indian government holds an equity of 24.5% E-services to speed up indirect tax collection
State Finance Ministers empowered committee Convenience to tax payers
holds 24.5% Extension of SWIFT Initiative
Remaining 51% with private financial Integration with e-taal, e-nivesh and e-sign
institutions government initiatives
Set up mainly to provide IT Infrastructure for In accordance with Ease of Doing Business
GST implementation with a corpus of 10 crore Subsume local levies
Aim is to provide a uniform interface of tax
payment system between centre and state
SWIFT code for Banks
Now each state has its own system of collecting
indirect taxes Standard format of money transfer between
Integrating all these systems in a single unified banks in India
system for the overall implementation of GST is Bank identifier code
the purpose of GSTN Banks use the SWIFT code for message
Head quarters located at New Delhi exchange between them
Swift code has 11 characters or 8 digits
8 digits code denotes the primary office
Stakeholders
a. 11 characters represent the following
CBEC b. First 4 digit represent bank code and are only
GSTN letters
Tax payers (36 lac currently) c. Next 2 letters country code
Exporters d. Next 2 characters location code
Importers e. Last 3 characters branch code
All Indirect tax payers (65 lac after GST) Swift network spans across the world with
40000 live codes
Registration handled by Society for World wide
Software Developers
Inter bank Financial Telecommunication (SWIFT)
GSTN acts as the front end Head quarters located at La Hulpe, Belgium
Infosys develops GSTN software Project Saksham will serve as an extension of
CBEC acts as the back end this Swift network
Wipro develops CBEC software
CBEC acts as the front end for investigation,
Challenges
appeal and audit only
Integration of existing CBEC system with GSTN
is a complex process
Benefits
Handling huge information
Project Saksham will help in effective Hardware and Software requirements including
implementation of GST. infrastructure etc.
Digitalization of customer accounts and Duplication of data
scanned documents Information security
Deadline is Short Customer awareness and education to the new

Software Implementation issues system
Training of employees
Mission Bhagiratha : Safe Drinking Water Scheme - Explained

Introduction: Concept of Mission Bhagiratha:
Mission Bhagiratha, a new initiative started by the The Government of Telangana constituted a
state government of Telangana to provide safe water grid pipelines that would depend on
drinking water to everyone in the State through water resources available in River Krishna and
dedicated water pipeline channels in the state. To Godavari.
confederate the mission, The state government has The Government of Telangana estimated to
designed a water grid project to provide utilize a total of 34 Thousand Million Cubic of
a sustainable and durable solution to the problem water from River Godavari and 21.5 Thousand
of safe drinking water. The Main objective of this Million Cubic from River Krishna for the water
Mission Bhagiratha is to provide 100 litres & 150 grid pipelines to provide clean drinking water to
litres of clean drinking water per person in rural every household in the state.
households and in urban households respectively. Plans are ready to use water from Sriram Sagar
The Final deadline for the completion of the water Project, Srisailam, Komuram Bheem Project,
grid project is March 2018. Jurala Dam, Paleru Reservoir, Nizam Sagar
Project. This scientifically designed project
Fast Facts:
intends to use the natural gradient wherever
The Project Mission Bhagiratha was started by possible and pump water where necessary and
the State Government of Telangana with a supply water through pipelines channels. The
support of Union Government. state-level grid will comprise of a total of 26
The Project will cover 67 urban and 25000 Rural internal grids.
habitants across the States. The Telangana state government will be using
This Project will provide 100 Litres in rural latest and Upgraded technology for the
Households & 150 Litres in Urban Areas. proposed Water Grid project. In this Project
The expected costs of the project is around Advanced Light Detection and Ranging
42,000 Cr. (LIDAR) technology would be utilized for survey
Mission Bhagiratha Project will rejuvenate of the Water Grid and the Lightweight
45,000 water tanks with dedicated pipelines. aircrafts will be engaged only for aerial survey.
For this Project The Government of Telangana According to the Media Report the Government
estimated to utilize a total of 34 Thousand of Telangana will use hydraulic based modelling
Million Cubic of water from River Godavari. software for determining the shape and size of
This projects also utilize 21.5 Thousand Million water pipelines, pumping capacity and the
Cubic of water from River Krishna, i.e. It is height from which the water would be pumped.
known as mother of all the rivers.
In this Software Programme, The software tools

like smart flow and surge analysis would be
used to resolve any problems that arise in
distribution of water.
Various Skill Development Schemes for Minorities

USTTAD
Introduction
USSTAD scheme aims at upgrading the skills in
GOI has introduced a slew of training programs to crafts and arts for development
promote the village and cottage industries on a
The scheme is targeted only for minority
large scale. Some of the important village/cottage
communities
based skill development programs include
The scheme is implemented by ministry of
minority affairs
Project Handloom
The scheme envisages to preserve the
Project handloom was established to promote
traditional and ancestral crafts and arts
handloom and domestic industries
Craftsmen are trained on these traditional skills
Highlights less use of electricity
Skill training is offered to artisans, weavers and
More focus on incentive schemes
craftsmen from minority communities
Niche market-based scheme
The training is only for people already practising
NIFT to conduct R & D in handloom sector
in the field or craftsmen
Estimated to create employment of over than
No fresher training is offered in the scheme
43 lakh
Collaborating weavers with designers NAI MANZIL SCHEME
Reducing unfair trade practices The scheme is implemented by ministry of
Adoption of conventional techniques
minority affairs
The main objective of the scheme is to generate
Shyama Prasad Mukherjee Rurban Mission
employment to youth and extend loans for
starting up new businesses
includes skill development and economic
All school drop outs and Madarasa students are
developmental activities
eligible for training under this scheme
The mode of delivery preferred would be
Scheme covers people in the age group of 17 to
through PPP
35 from all minority communities
Funds shared on PPP basis
Bridge courses are provided to the trainees to
Aims to protect rural habitat
get 10th and 12th certification on distance
Mitigates the challenges of rural migration and
mode
Hyper-urbanization
Trade basis skill training is also provided to the
Trains the rural youth on self-employable skills
beneficiaries
The training mainly covers courses in four main youth to pursue terrorism or other illegal
sectors including engineering, manufacturing, activities
soft skills and services These schemes are considered vital from social
Avenues are open to continuing or pursue perspective and creates employment
higher education and create employment opportunities for minority students
opportunities in the formal sector Schemes like USTTAD aim to revive the
traditional crafts and arts practised in the
ancient Mughal rule
Conclusion In this manner, these skill training programs

help to protect the ancient and traditional
These skill-based training programs are aimed
culture and heritage of India
at the uplift of the minority community youth
Overall, the above skill training programs help
The youth from minority communities will get
the rural youth to find new employment avenues
into the formal sector through these skill
in traditional ancient crafts, arts, trade,
training schemes
manufacturing and entrepreneurship
GOI has introduced these scheme with a long-
term goal of engaging minority youth in formal
sector and creating an aversion among the
Voluntary Disclosure and Surcharge Waiver Scheme: Key Features
INTRODUCTION The scheme would be applicable to only those

Haryana Government launched a new scheme consumers falling in the aforesaid three categories,
named Voluntary Disclosure Scheme (VDS) 2016 who were in default as on 30th September, 2016.
and Surcharge Waiver Scheme (SWS) 2016 on
19th November, 2016 for declaring tampered or
KEY FEATURES:
defective meters for all category of consumer
having sanctioned load up to 5KW and for small 1. Voluntary Disclosure Scheme:
domestic and non-domestic consumers having
Voluntary Disclosure Scheme (VDS) for declaring
sanctioned load up to 2KW in rural areas. This
tampered or defective meters for all category of
scheme was launched by Chief Minister of Haryana
consumer having sanctioned load up to 5KW.
Manohar Lal Khattar. This scheme shall remain in
The meter installed at the premises shall be
operation from 20th November, 2016 to
replaced with a new electronic meter within
31st December, 2016.
three days.
The consumers, whose meters have been seized
OBJECTIVES: and sent for verification to the M and T lab and
are pending for testing, will also have the option
The case of such consumers, who voluntarily declare
to avail this scheme.
tempering of meter or meter being defective, shall
The consumers will have the option to deposit
be decided as per the provisions of the scheme.
the bill amount in lump-sum or in a maximum of
six equal bi-monthly installments payable along to 2KW in rural areas (connected or
with the next six bills. disconnected).
The consumer opts to pay in lump-sum, This scheme for also Domestic consumer having
additional rebate of 5% will be allowed. loaded up to 2KW in urban areas (disconnected
No checking will be carried out during the only).
period of operation of the scheme for The surge amount outstanding as on 30th
consumers having load up to 5KW. December, 2016 in the name of a consumer who
No meter having similar load will be seized and opts for the scheme shall be frozen.
sent to the lab for testing during this period. 40% of this amount will be waived off on
The cases of defective meters, brunt meters payment of next six bills by the customers.
shall be covered under this scheme. Another 30% of the surge amount will be waived
off at the end of second year on full payment of
bills during the year.
2. Surcharge Waiver Scheme: And remaining another 30% surcharge amount

will be waived off at the end of the third year.
This scheme for small domestic and non-
domestic consumers having sanctioned load up
FAST FACTS
Sl. No. Fields Data
Voluntary Disclosure Scheme (VDS) &

1. Name of the scheme
Surcharge Waiver Scheme (SWS)
th
2. Lunched on 19 November, 2016
3. Lunched by Chief Minister of Haryana Manohar Lal Khattar
th st
4. Operation period 20 November, 2016 to 31 December, 2016.
For VDS load up to 5KW &

5. Sanction Load
For SWS load up to 2KW in rural areas.
For Domestic Category Rs. 100 &

6. RCO Fee Charges
For Non-Domestic Category Rs. 200
Swachh Swasth Sarvatra Abhiyan: All You Need To Know
Introduction by 2019.
Swachh Swasth Sarvatra is an initiative launched by 5. Under Kayakalp, one Primary Health Centre
Union Health Ministry in collaboration with the (PHCs) in each district is awarded for meeting
Ministry of Drinking Water and Sanitation and quality
Human Resource Development. standards including sanitation and hygiene.
The main aim of this initiative is to strengthen 6. Through the initiative, the Gram Panchayat in
health centers in open defecation-free blocks. which the PHC gets awarded will be noted and
This initiative is a part of the Union Governments special focus will be given to make it ODF.
chief Swachh Bharat Mission and is focused on the
dual objectives of constructing toilets and enabling
Components of Swachh Swasth Sarvatra
behavioural change.
Swachh Swasth Sarvatra is the advanced form of There are three main components of
Swach Bharat Mission from being Swachh Bharat to SwachhSwasthSarvatra, they are
Swastha Bharat. 1. Community Health Centres (CHCs) in ODF blocks
supported to achieve Kayakalp certification.
Objective 2. Gram Panchayat of Kayakalp Primary Health
1. This initiative aims to fulfill the requirements of Centres (PHCs) prioritized to become ODF.
two complementary programes namely, Swachh 3. Training in WASH (Water, Sanitation and Hygiene
Bharat Mission (SBM) of the Ministry of Drinking ) of CHC/PHC nominees.
Water and Sanitation and Kayakalp of the Ministry
Other initiative also launched along with Swachh
of Health and Family Welfare.
Swasth Sarvatra
2. Over 700 blocks are declared as Open Defecation
Another joint initiative, Swasth Bacche Swasth
Free (ODF) under Swachh Bharat Mission by
Bharat (Healthy Children Healthy India) was also
Ministry of Drinking Water and Sanitation.
launched on the occasion between Ministry of
3. Rs 10 lakh will be given to each Community
Health and Family Welfare and the Ministry of
Health Centres (CHCs) in ODF blocks of the country
Human Resource Development.
to strengthen the standards of sanitation, hygiene
It is a booklet that contains tips on leading a
and infection control.
healthy life for children.
4. SwachhSwasthaSarvatra is a much needed
programme to achieve open defecation-free India
Quick fact
Name of scheme Swachh Swasth Sarvatra
Launched by Union Health Ministry in collaboration
with the Ministry of Drinking Water and
Sanitation and Human Resource Development.
Launched on December 29, 2016
To strengthen health centers in open defecation-

free blocks.
Launched for
Rs 10 lakh to each Community Health Centres

(CHCs) in ODF blocks.
Financial outlay
No of blocks 708 blocks
BHIM (Bharat Interface for Money): All You Need To Know

Introduction Features of BHIM
It is based on UPI technology
India is advancing at breathtaking speed towards a
cashless economy and to make digital mode of Enables digital transactions across multiple
banks
payment a habit for people our honourable Prime
It links directly to ones bank account
Minister Narendra Modi has launched a new
application for mobile payment BHIM (Bharat It uses IMPS (Immediate Payment Service) for
which one has to pay a minimal fee for
Interface for Money) on the 30th of December.
transactions of 1 lakh or above.
What is BHIM?
Bhim is an application for payment through How to use
On downloading the app users will be asked to
smartphones which is based on the technology of
verify their mobile numbers which are linked
UPI (Unified Payment Interface). This app has been
with their respective bank account.
developed by the NPCI (National Payment
Corporation of India) in association with Juspay. After verification the app will show a list of all
the bank accounts linked to the mobile number.
This app is now readily available on playstore which
is the android platform the and same for the iOS One has to select the account he or she wants
to make transactions through
platform is expected to be launched soon.
After selecting the account the user has to enter For now maximum limit for every transaction
a 4 digit code (UPI PIN) to make transactions has been set at 10,000 INR and a total
through the app transaction of 20,000 INR per day. The limits are
The payment address will be set as the mobile expected to change in future.
number which is entered for verification which
can be changed later.
Banks supporting BHIM
The new BHIM Payment app is supported by banks

Positive points of BHIM like SBI, ICICI, Axis Bank, HDFC Bank and many
A smartphone or even a feature phone of others.
around 1000 INR will support the BHIM app
The BHIM app is at its early stages and thus there
Having an internet connection is not mandatory
might be some glitches but with time improvements
for making transactions through the app
are bound to take place taking the country forward
In this system, once the bank account is linked
to digitization and transforming India into Digital
with an Aadhar gateway, payments can be
India.
made through a thumb impression
Users can also use the app for shopping. For this
an Aadhar based merchant app has to be
downloaded by the retailer along with a
biometric reader to enable payment through
thumb print.
Limitation
Nagar Uday Scheme: All You Need To Know

road at Polytechnic Square. He also inaugurated
INTRODUCTON:
payment facility by POS of Bhopal Municipal
The Madhya Pradesh Government launched a new
Corporation.
scheme named Nagar Uday Abhijan 2016 on 25th
December, 2016, the birthday of former Prime
Minister Atal Bihari Vajpayee in all 378 urban bodies OBJECTIVES:
in the state. This scheme was launched by Chief The main objective of this scheme are to assess
Minister of Madhya Pradesh Shivraj Singh Chouhan. service being provided to citizens and bring
This scheme will be conducted from 25th December, them at standard life.
2016 to 5th February, 2016 in three phases. Chief Also inform lower income class people residing
Minister of Madhya Pradesh Shivraj Singh Chouhan in slums in urban areas about public welfare
also performed bhoomipujan of 2.2km long smart scheme and provide benefit in today.
Also inform them about works carried out for Teams of officers and employees of
urban development and ensure contribution of departments would be constituted in the first
citizens and other agencies in urban phase of the campaign.
development schemes. Necessarily of employment for unemployed
person will be earmarked and work plan will be
KEY FEATURES:
made in this regard.
This scheme will be conducted from 25th Ward Sabha will be held in Second phase.
December, 2016 to 5th February, 2017 in three Status of infrastructure development and
phases. beneficiaries oriented schemes will be assessed.
The First phase will be held between 25th Shivraj Singh Chouhan informed that Urban
December to 28th December, 2016. Development work of Rs. 83,000crore will be
The Second phase will be conducted between sanctioned.
January 3 to January 15, 2017. He told that with the bhoomipujan of smart city,
The Third phase will take place between 20th smart road works have been started in Bhopal.
January to 5th February, 2017. A sum of 100crore rupees will be provided for
Under this scheme CM Shivraj Singh Chouhan Bhopal and the money would be given to every
flagged off Uday Abhijan Rath and 51 e city for development under CM infrastructure
rickshaws. scheme.
Under this scheme CM Shivraj Singh Chouhan
also inaugurated payment facility by POS of
Bhopal Municipal Corporation.
Fast Facts:
Sl. No. Fields Important Facts
1. Name of the Scheme Nagar Uday Abhijan
th
2. Launched on 25 December, 2016
3. Lunched by Madhya Pradesh State Government
Chief Minister of Madhya Pradesh Shivraj Singh

4. Inaugurated by
Chouhan
th th
5. Scheme Period 25 December, 2016 to 5 February, 2017
th th
First phase- 25 December to 28 December,
6. Three Phases are
2016
Second phase- January 3 to January 15, 2017
th th
Third phase- 20 January to 5 February, 2017
Mayor Alok Sharma
Revenue Minister Umasankar Gupta
BDA Chairman Om Yadav
PS Malay Shrivastava
Chief Guest of this
7.
campaign Former CM Babulal Gaur
Collector Nishant Warwade
BMC Commissioner Chabi Bharadwaj
Minister of State for Cooperatives Vishwas

Sarang
8. Budget Rs. 83,000crore sanction
National Skill Development Mission (NSDM): Explaine

Mass skill training program to train millions of
Indians
Introduction
NSDM was developed to converge skill training Nodal Agency
in various sectors
NSDM will cover all the states of India Entrepreneurship
Expedite decision making in sectors through
Funding through National Skill Development
coordinated and skilling efforts
Corporation
National Skill Development Agency (NSDA)
National Skill Development Corporation (NSDC)
About NSDM
Union Cabinet approval on 1st July 2015 Directorate General of Training (DGT)
Official launch of NSDM by PM Modi on 15th

Sub Missions of NSDM
July 2015
Sustainable livelihood
Launched on World Youth skills day to make
Infrastructure
Indian youth skilled
Institutional training
Trainers This NSDM component aims to scale up the

Convergence unemployed in the informal sector
Overseas Employment NSDC is the implementation agency for short
Leveraging of public infrastructure term skill training programs
Individuals with lower educational levels are
Institutional Mechanism
targeted
Governing council at apex level for policy Skill training conducted with central, state and
guidance private initiatives cooperation
Steering committee NSDM aligned with other flagship schemes like
Mission Directorate Digital India, Swachh Bharat, Make in India and
Solar Mission etc
Strategic Framework
Scaling up of existing infrastructure also done
NSDM follows 5 C strategic frameworks for
through this NSDM component
imparting skill training programs
Create Creating skilled individuals over a long Create pipeline of skilled people
term Skill training imparted through this NSDM
Correct Upskilling individuals with work component in
experience Existing educational institutions
Certify Aligning with norms, assessing and New dedicated skill training institutes
provide certification to trainees ITI centers
Connect Making skilled trainees to join in jobs Vocational training centers
at any part of the world
Catalyze - Entrepreneurship Catalyze Demand for Skilled people
The main focus of this component is to promote

NSDM Model components
entrepreneurship
Connect Supply with Demand Increase individual confidence to pursue their
Skill development does hand in hand with business ideas
market demand Linking of entrepreneurship to schools and
MoSDE matches skilled and trained individuals educational institutions
to jobs anywhere in the world Establishing incubation centers for
A general understanding of market demand entrepreneurship
supply of skill requirements is done Establishing support centers to promote and
Envisagement of a policy research institute encourage entrepreneurship
Formulation of skill development policies Providing credit access to new entrepreneurs
Monitoring global changes in employment in the
global scenario Certification and Assessment
Alignment of skill training with National Skills

Correct Supply for Demand
Qualification Framework (NSQF)
RPL framework establishment
Quality assessment and certification NSDM will make India the Skill capital of the
Increase in the number of quality vocational entire world
trainers By 2020, India will be a supplier of skilled labor
to the entire world
Conclusion
Domestic labor force will also be upgraded
NSDM is one of the flagship schemes of GOI through short term skill training programs
Atal Amrit Abhiyan - Health Insurance Scheme in Assam

Assam government has launched Atal Amrit
Abhiyan on the 92 nd birth anniversary of Atal
The scheme will roll out from 1 April, 2017.
Bihari Vajpayee. The scheme deals with providing
A Health/Smart Card will be given at the cost of
health insurance against 437 illnesses
Rs 100/- so that assurance is cashless at the
including 5 critical diseases.
point of delivery supporting PMs cashless move.
The 437 illnesses are divided into six groups
AIM- which are kidney, cardiovascular, cancer,
Assam Government extending its hands to give burns, neo-natal and neurological conditions.
quality health care which is affordable to the Assam has claimed to have taken the biggest
people of the state. health care initiative like this as compared to

any other state in the country.
Assam Chief Minister Sarbananda Sonowal and
FINANCIAL OUTLAY- Health and Family Welfare Minister Himanta
Rs. 200 crore Biswa Sarma have spearheaded this scheme.
A separate society under Department of Health
and family Welfare will be set up for
BENEFITS-
administering this scheme.
Above Poverty Line (APL) and Below Poverty Line
This scheme is organised as a tribute to Mr.
(BPL) families with annual income below
Vajpayee whose keen interest was in positive
Rs. 5 lakhs.
development in the north-east area of the country.
The government is trying to empanel
PROVIDES- more and more hospitals under this scheme so that
Benefit of free treatment upto 2 lakhs per year for 5 treatment can be availed without much
critical diseases which include kidney, hassle. Assam Chief Minister concluded that the
cancer, burns, neuro and heart surgery. government has always thought of
committing in health and this scheme will ensure
that quality healthcare is affordable.
OTHER IMPORTANT FACTS-
Hence Atal Amrit Abhiyan is going to be beneficial

for the people of Assam.
National Youth Policy - Explained

Introduction Challenge of the youth
NYP aims to empower youth in the age group of Lack of education

15 to 29 through skill training Increasing rate of school dropouts
NYP helps a common man/youth turn into an Lack of Skill development programs
entrepreneur Unequal opportunity
NYP offers skill training based on identified Bonded labor
priority areas Regional disparities
NYP is the predecessor of National Skill Rural Youth deprived of labor force, education
Development Mission and employment enjoyed by urban
Population pressure
NYP priority areas for youth
Female youth are worst affected with early/child
Entrepreneurship marriages
Employment Caste system
Health and healthy lifestyle Social customs
Education Land pressure
Sports Corruption
Skill development Lack of capital
Promotion of social values Seasonal nature of agriculture
Participation in politics and governance Poor health
Community engagement Poverty
Inclusion Lack of support
Youth engagement
Social justice Importance of NYP
By 2020, India set to become the youngest

Rural youth statistics
country in the world with a youth force of 64%
80 percent of rural youth dependent on farming of Indian population
Nearly 72% of Indian population live in rural China, Japan, Europe and west nations ageing
areas (Census, 2011) population opportunity for Indians
Among this 26% are rural youth (15 to 29 Age) This makes skill development mandatory under
Agriculture is the major profession of rural youth NYP
contributing to 50 percent of the entire Indias Youth will contribute to 2% of GDP growth rate
employment by 2020
89% have no formal vocational training
By 2020, India will have a surplus of 47 million Rural youth find it hard to enter colleges due to
manpower compared to the deficit in other high competition from urban youth
world nations NYP comes to the aid of rural youth in imparting
NYP aims to train youth on modern agricultural skills that are job oriented
practices NYP encourages youth to become
Training on non farm sectors is also provided entrepreneurs
under NYP Higher emphasis given to rural youth with focus
Job oriented courses to youth on vocational training
Improve the educational and literacy This will ensure that Indian youth is skilled and
percentage in rural areas industry ready
Overall, NYP will address the huge problem of
Alignment of NYP with other Schemes
unemployment in India and bridge the gap
PM Mudra Yojana Develop entrepreneurial between corporate and employees through
spirit among the youth skilled youth
Stand up India To develop SC/ST and women
entrepreneurs
Digital India Skill youth on digital
infrastructure and technologies
Make in India Developing skilled and industry
ready youth
Conclusion
Skill development programmes are a means to

bring a change in the life of the rural youth
Urja Ganga Yojana: All You Need To Know
Introduction distribution of cooking gas to residents of the city of
Prime Minister Narendra Modi launched a new Varanasi within two years.
project named Urja Ganga gas pipeline project on

Objectives
24th October, 2016. This project is gas pipeline
The main objective of this project is to provide
project and doubling for railway track on a busy
proper good cooking gas and to improve the
route. When Prime Minister Narendra Modi was
living standards of the people in Varanasi within
visited his Lok Sabha Constituency Varanasi on
two years.
October 24, 2016 there he inaugurated this new
This project also offers various benefits for the
project. Urja Ganga is the biggest ambitious
state which is travels and covers millions of
projects launched by Government including a 1,500
peoples in the states like Odisha, Bihar and
km long gas pipeline costing Rs. 51,000crore. This
West Bengal and so on.
project is a huge gas pipeline project for the
This project would be beneficial for around Government has also planned to develop 25
20lakh families in those eastern parts of the industrial clusters in five states like Varanasi,
India like Cuttack, Patna, Kolkata, Bhubaneswar Patna, Bhubaneswar, Kolkata and Cuttack using
and Varanasi. the gas from this pipeline.
Because of this project about 800kms pipeline Under this project a total 2540km long natural
would be put just only in Varanasi region and gas pipeline would be laid in five states.
profit about 50,000 households and 20,000 From this project a total of 40 districts and 2600
vehicles for PNG and CNG correspondingly. villages are expected to be benefited.
This project would also provide the accessibility 20,000 vehicles will get CNG because of this
of approx. 5lakh LPG gas cylinders within next project so lot of people will get work as CNG as
5years. cheaper than the diesel and petrol.
Set up 20 CNG stations for the vehicle is also Set up 20 CNG stations for vehicle is also part of
part of this project to solve the problem of diesel this project to solve the problem of diesel and
and petrol. petrol and total no of project is 1000crore which
will be finally give more output to people.
Key Features
20lakh people of Varanasi city is affected by this
Prime Minister Narendra Modi flagged off project as length of this city is approx. 1535km.
projects like doubling of railway tracks on the Approx. all the farmer will benefit of this
Allahabad to Varanasi station and expansion of project.
Diesel Locomotive Work (DLW) besides laying
foundation stone for a fully air-conditioned
perishable cargo center in Varanasi.
Length of gas pipeline in different state:
Length of gas pipeline State
441km Bihar
542km West Bengal
338km Uttar Pradesh
500km Jharkhand
Overall Information
Sr. No. Fields Data
1. Name of the Project Urja Ganga Project
th
2. Lunched on 24 October, 2016
Prime Minister Norendra

3. Inaugurated by
Modi
4. Place where the project launched Varanasi
This project will be beneficial which part of

5. Varanasi and Eastern India
the India
6. No. of Vehicles benefited under this project 20,000
Total length of natural gas pipeline under

7. 2540kms
this project
Total no. of districts and villages are

8. 40 & 2600
benefited under this project
No. of households which would be benefited

9. 50,000
under this project
Total distance covered by gas pipeline under

10. 1500kms
this project
No. of station will be set up under this

11. 20
project
12. Budget Rs. 51,000crore
Pradhan Mantri Ujjwala Yojana: All You Need To Know

PMUY(Pradhan Mantri Ujjwala Yojana) is a scheme
Introduction:
launched by our honourable Prime Minister
Narendra Modi on the 1st of May 2016 in Uttar Eligibility criteria:

Pradesh. Under the PM Ujjwala Yojana, the The list of SECC-2011 data should have the
government aims towards social welfare by applicants name on it.
providing LPG connections to households which are Only women over 18 years of age are eligible.
Below Poverty Line (BPL) in the country. The aim of The applicant should be from a BPL family.
this scheme is to replace the unclean cooking fuels The applicant should have a working savings
which are used in the rural parts of India with the bank account in any of the nationalised banks in
clean and more efficient Liquefied Petroleum Gas India.
(LPG). Applicants who already have a LPG connection
in their name are not eligible.
Aims of Pradhan Mantri Ujjwala Yojana:
To bring forward a healthy environment Documents required:

Women empowerment A Panchayat pradhan or Municipality chairman
To reduce health related issue which is authorized BPL certificate.
associated with fossil fuel based cooking BPL Ration Card
To check the number of deaths caused due to A photo identity proof for example Aadhar card
unclean cooking fuel or Voter ID card
To prevent respiratory diseases in children Recent passport size photo
To stop indoor pollution due to the burning of
fossil fuel while cooking Funding of PMUY:
Rs 2000 crore has been allocated by the

How to apply for Pradhan Mantri Ujjwala Yojana:
government in the implementation of the PMUY
The women from BPL families who are eligible scheme for 2016-17. The scheme is to be
have to fill up PMUY Know Your Customer (KYC) implemented completely in the span of 3 years with
form. a total budget of RS 8000 crore. This scheme will
The form is available at all the LPG outlets provide a financial support of Rs. 1600 for each LPG
throughout the country. connection to the eligible BPL households. PMUY is
The individuals have to mention the type of being implemented by the Ministry of Petroleum &
cylinders which they require while filling the Natural Gas and for the first time such an enormous
form and at the same time the required welfare scheme has been launched that will benefit
documents are to be attached along with the huge number of women belonging to the poorest
form filled. households.
The final form has to be submitted at an LPG
outlet.
National Apprenticeship Promotion Scheme: Explained

Apprenticeship training is the efficient and
Introduction
noblest manner of providing skill training and
Cabinet approved NAPS to train apprentices developing skilled persons in the country
NAPS is a part of labor reforms amending the Apprenticeship training works hand in hand with
factories act, labor laws act and apprenticeship the industry especially with MSMEs
act Apprenticeship training facilitates increase in
Major punishments such as imprisonment and opportunities by ten fold by 2020
liabilities pertaining to Apprenticeship act are PM Modi recently launched the Apprenticeship
removed through the amendments portal to network employees, companies and
government
NAPS labor reforms - Amended Acts
It is expected to become the countrys most
Factories Act Better worker safety and powerful skill delivery program
doubled provision for working overtime
Labor laws act Companies with less than 40 Need for Apprenticeship program
workers exempted from labor law provisions Migration of rural youth (2 million annually app)
Apprenticeship act - Removal of mandate for Employment opportunities are less due to high
absorption of half apprentices rate of migration
As a result youth land up in low paid or under
Target of NAPS
paid jobs
To train 50 lakh apprentices by 2020 Low profitability in agriculture
No interest in Agriculture
Nodal Agency
Urgent need to empower rural youth and
Ministry of Skill development and
women
Entrepreneurship
Nearly 74 percent of Indian households have
Implemented by Director of General Training
monthly income less than 5000 rupees
(DGT)
according SECC, 2011
Funding According to National sample survey, average

monthly expenditure in urban areas is 2630
Initial corpus of 10000 crore rupees allocated to
rupees compared to 1430 rupees in rural areas
NAPS
Women constitute only 25 % in the total work
50 percent of the funds borne by GOI
force
25 % of stipend amount given by GOI to
Lower education
employers
Lack of skill training
Basic training is also supported by GOI in NAPS
Now, only 10 percent of the workforce is trained
About Apprenticeship training including both formal and informal sector
Apprenticeship training is one of the focus areas Benefits of NAPS

of National policy for skill development
NAPS aims to skill apprentices to the tune of 5
Provides industry led training program
million by the year 2020
Apprenticeship training serves as the most
Youth hostels will be established in main cities
efficient and effective means of formal training
to support youth for the first 6 to 12 months
It provides practice oriented training program
Employment department in each district Maharashtra State Agro and Tourism (MART) is
empowered to provide career guidance a successful model with more than 150 centers
programs in lieu of NAPS to youth pertaining to run privately
education or job This successful model is followed in Kerala,
NAPS aims to create job opportunities for rural Rajasthan, H.P and Gujarat
youth in rural areas itself and minimize the NAPS develops such innovations
migration problems
Conclusion
NAPS trains rural youth on modern agriculture
practices and technology to make them NAPS trains millions of youth and is projected to
agriculture based entrepreneurs be the vital scheme to drive skill development in
Training on farm machinery is provided to the India
youth It works in tandem with the industry providing
Non farm apprentice training on a short term skill training with job oriented outcomes
basis is provided NAPS provides skill training at grass roots level
NAPS works in alignment with the goals of PURA It helps prevent the migration of rural youth to
NAPS interfaces institutions like Khadi and urban areas by establishing network with
Village industries, educational institutions, Small different rural non governmental institutions
farmers agri business association, NGO etc to and provide training to rural youth and get
impart skill training to the apprentices in various employment in the rural areas
job creating fields The scheme will encourage third party agencies
Agro tourism based industries offer new to impart skill training where in house training
employment opportunities and skill training is facility is unavailable
provided in these areas Overall, NAPS helps GOI to achieve the Skill
India mission
Deendayal Upadhyay Swaniyojan Yojana: Explained

Introduction To provide skill sets for self-employment to rural
Deendayal Upadhyay Swaniyojan Yojana (DUSY) masses
was launched by Rural development ministry to To give incentives to rural poor pursuing self-
promote entrepreneurship through skill training employment
in rural areas To provide financial assistance to self-employed
It is viewed as the rural avatar of Start up India or poor rural entrepreneurs
scheme To support poor rural people looking to start
Scheme was launched in 2016 along with Start new business or pursue self-employment options
Up India scheme by PM Modi

Nodal Agencies
Objectives of DUSY Ministry of Rural development
Ministry of Skill development and More emphasis is given to women and Self-help
Entrepreneurship groups (SHG) in DUSY
MUDRA bank This will increase the participation of more SHG
in DUSY
Funding
Rural entrepreneurship will see an uplift with
Main source of Funding is through National DUSY network with SHG
Rural Livelihoods Mission DUSY is seen as a means of achieving financial
DUSY loans are funded through MUDRA Bank independence from the perspective of women
loans Women empowerment will occur in the rural
Beneficiaries obtain credit linkages in an areas
innovative manner The rural economy will get a boost with new
Self-help groups are the main beneficiaries avenues of employment other than agriculture
The pressure on land will reduce considerably
Skill Set Training areas under DUSY
Beauty courses Conclusion

Dairy farming DUSY is expected to achieve the goals of
Driving Startup India in rural areas
Agriculture It will provide a means of employment to the
Plumbing rural youth in the form of rural entrepreneurship
Horticulture DUSY also will solve the disguised
Grafting unemployment existing in the agriculture by
Masonry providing training to the rural people on non-
Food processing farm practices
Textile DUSY along with NRLM will improve the
Animal Husbandry livelihoods of the rural people
DUSY along with Startup India will boost rural
Benefits
entrepreneurship
Skill training is provided in the above domains to
It is also seen as a measure to mitigate
pursue self-employment
migration issue
Self Help Groups are encouraged more to start
Overall, DUSY will address rural unemployment
entrepreneurial ventures
and reduce poverty on a mass scale
Suryamitra Skill Development Program: Explained

Introduction Need for Suryamitra
Suryamitra initiative is a residential program to India has set a target of 100 GW solar power in
develop skilled technicians in solar powered projects 25 years
According to Confederation of Indian Industry NISE coordinates technology and research work
(CII) estimates, this will need about 6.5 lakh pertaining to Solar power
trained personnel in the solar energy field
Funding Agency
Suryamitra course is designed to meet this need
100 % funding of Suryamitra by GOI
About Suryamitra initiative
Services covered under Suryamitra
Suryamitra initiative is a part of Make in India
scheme Solar project installation
It is a 3 month training course Provide servicing for solar powered panels
The entire course is completed in 600 hours Solar project repair
This skill development program is aimed to Solar equipment servicing
create skilled manpower in solar power plant Solar project maintenance
and equipment installations Servicing in solar power plants

Servicing of solar products like
Target
Solar cookers
To train 50000 Suryamitras in the field of solar
Solar pumps
energy
Solar lamps
In 2016, 3200 suryamitras are trained
Solar heaters etc
7000 new suryamitras to be trained in the fiscal
2016 - 2017 Suryamitras are skilled technicians in the above
To achieve the entire target of 50000 services
suryamitras in next 3 years
MNRE is the institution to set these targets Recent Developments
NISE developed the Suryamitra App recently

Nodal Agency
It is a GPS based mobile App
National Institute of Solar Energy (NISE) is the This mobile app can handle 1000s of calls at
implementation agency of Suryamitra the same time
Ministry of New and Renewable Energy (MNRE) The app is categorized in the high end
technology platform segment
About National Institute of Solar Energy (NISE)
The suryamitra app enables monitoring of
It is an autonomous institution under MNRE
suryamitra visits in an efficient manner
NISE is the successor of Solar Energy Center
(SEC) Training Institutes of Suryamitra
GOI has converted SEC that was in operation for ITI
25 years into NISE under MNRE Polytechnic
NISE is the apex R & D institution in the field of Universities
solar energy Educational institutions etc
NISE helps GOI in achieving the National Solar
Mission
Suryamitra skill development programs are The skill development program promotes
conducted in the above institutes and various entrepreneurship and employment
other locations across the country
Conclusion
Benefits Suryamitra will create employment in the solar
Suryamitra scheme creates job opportunities in energy field
various solar industries Solar energy use will be projected to the public
Helps in reducing the unemployed youth through the Suryamitra mobile app
80 percent of the trained suryamitras are placed Suryamitra mobile app create demand for solar
in a solar field company with a good based products and act as a catalyst
remuneration Overall, Conventional energy consumption will be
Rest of the suryamitras are becoming reduced to a great extent by switching to solar
entrepreneurs in the solar energy field energy benefiting India as a whole
Pravasi Kaushal Vikas Yojana: All You Need To Know
Introduction PKVY is to be launched to address the brain
PM Modi announced about PKVY skill drain challenge into brain gain
development program at the fourteenth edition PKVY will help boost the confidence of Indian
of Pravasi Bharatiya Divas youth when they land abroad
PKVY is aimed at imparting skill training to Skill development is given to Indian youth based
Indian youth seeking employment overseas on the vocation they choose
PKVY is launched as a means of showing respect PKVY will ensure that Indian youth will not feel
to the contributions made by Indians overseas as strangers in foreign nations
by ensuring their welfare and safety The training program will be of international
PKVY launched after the inauguration of Pravasi standards
Bharatiya Divas at Bengaluru Indian youth will be trained and certified under
PKVY
Indian Diaspora
Nodal Agency
30 million Indians live abroad
They reflect the Indian ethos, culture and values Implemented by National Skill Development
Annual remittance of Indians abroad comes Corporation (NSDC)
around $69 billion annually Ministry of External Affairs
PM Modi urged PIO card holders to change to Ministry of Skill Development and
OCI cards by June 30, 2017 Entrepreneurship

Training partners of NSDC
About PKVY
Benefits
PKVY will keep safety and security of Indian i. China

working abroad as the top most priority j. Iran
Welfare of the overseas Indians is ensured
Conclusion
through external affairs ministry
External affairs ministry will come to the aid of PKVY is a skill development program aimed at
overseas Indians in distress through social the welfare, safety and security of overseas
media Indians especially Indian youth interested in
PKVY will help keep a track record of the Indian going abroad to work
youth going abroad after getting trained in the In the due course of time, PKVY will help convert
skill development program Brain drain into brain gain
PKVY will aid in making India the Worlds Skill India will become a major supplier of skilled
capital professionals to the entire world in the next
PKVY will serve as a vehicle for NSDC to enter decade and PKVY is one of the schemes to
into MoU with different agencies of realize this vision

Fraudulent practices by consultancies to cheat
a. European Union youth by giving false promises about abroad
b. United States opportunities will be reduced to the core
c. United Kingdom Overall, PKVY will serve as a proper channel for
d. Germany the disoriented Indian youth with aspirations to
e. Australia going abroad and work with certified skill
f. Canada training
g. France
h. Singapore
Skill Banks: All You Need To Know

Introduction The training program is of international
Skill banks are training centres to provide standards
training to potential immigrant workers Skill banks cover about 110 job roles
Skill Banks are established first in the states of 50 global skill banks are set up by GOI in 2016
U.P and Bihar

Objectives of Skill Banks
U.P and Bihar account for the maximum
The primary objective of skill banks is to train
emigrants annually in India
workers for global markets
These two states have the maximum number of
To project India as the capital of Human
employees working abroad
resources in the world
Also these states have the maximum
population
Main focus countries of Skill banks If the requirement in a gulf nation is for 1000
South East Asia mason workers, then skill banks will train 1000
Norway masons and send them to the respective nation
Germany This ensures that majority of the persons trained
Canada in skill banks will be sent abroad as it is
Sweden demand-based
Japan Skill banks train the workers and certify them
The above countries will have huge dearth of Skill banks ensure that the employee gets good
nurses and care givers in the next decade working conditions abroad
Skill banks focus on these countries for job The trainees get a better salary abroad after
opportunities and train people according to the attending the training program and sent
requirement abroad
Key sectors covered by Skill Banks Conclusion
Health care Skill banks help people go abroad and work in a
Medicine safe manner
IT Workers sent abroad through skill banks will
Hospitality have the support of GOI
Retail trade All migration-related issues and frauds by
Automobile consultancies will not occur once workers are

trained and sent abroad through skill banks
Other sectors are likely to be included in the skill Rural poor and unaware people can completely
development training program of skill banks where trust the skill banks for their overseas job
job opportunities may emerge in future opportunities
Skill banks help in identifying the requirements
Special features of skill banks
arising abroad in various nations and match the
Youth trained in skill banks get acquainted with
requirements with the employees in India
the local culture of the country in which they go
through skill training programs
to work
Before emigration, trainees are made familiar
with language and work ethics of the foreign
nation
Training at the skill banks is demand driven
Nayi Manzil Scheme: All You Need To Know

Introduction The scheme was launched in Jammu and Kashmir
initially
Now the scheme covers the entire country The main objective of the scheme is to generate
Minister for Minority affairs launched the employment to youth belonging to minority
scheme communities
The scheme focuses on school drop outs in The scheme also extend loans for starting up
minorities and help them complete their school new businesses to minorities
education The scheme will address the educational needs
The scheme aids in providing employment of the minorities especially Muslims
opportunities to school dropouts after training The scheme also covers the livelihood needs of
them minorities
Nodal Agency Beneficiaries
The scheme is implemented by ministry of Scheme covers people in the age group of 17 to
minority affairs 35 from all minority communities
GOI to fund 3738 crore rupees for the scheme All school drop outs are eligible for training
initially under this scheme
World Bank funded scheme Madarasa students form the main beneficiaries
Recently, World Bank signed credit agreement Madarasa students confine themselves to
with GOI to provide funding to Nai Manzil contemporary education and often do not get
Scheme to the tune of $50 million formal employment
Maulana Azad education foundation to impart Nai Manzil Scheme enables Madarasa students
skill training in all its centers to get employed in the formal sector through
skill training
Background
30 percent of the seats are reserved for minority
World Bank reports indicate that around 20 girls
percent of individuals in the age group of 17 to
35 are from minority groups About Nai Manzil Scheme Training course
Minority groups in India include Training course is a non residential program

1. Christians Tenure of the course is between 9 to 12 months
2. Muslims Bridge courses are provided to the trainees to
3. Jains get 10th and 12th certification on distance
4. Sikhs mode
5. Parsees Trade basis skill training is provided to the
6. Buddhists beneficiaries
Nai Manzil scheme aims to tap the labor force Avenues are open to continue or pursue higher
from these minority groups to join the formal education and create employment opportunities
employment by proving skill training in the formal sector
The training mainly covers courses in four main
Objectives
sectors including
1. Engineering
2. Manufacturing The scheme makes the minority youth to

3. Soft skills compete with the rest of the students in the
4. Services formal employment
The main benefit of the scheme is to make
Way Forward
minority youth to become good citizens and
The scheme is welcomed by all academicians enter formal sector rather than drifting towards
and religious leaders anti social activities
The scheme will benefit about 3 lakh madrasas Overall, the scheme is a great boon to the
operating in India minority youth
Each madrasa has about 100 students enrolled
in them
A total of about 30 million madarasa students
would get benefited from the scheme
DeenDayal Upadhayaya Gram Jyoti Yojana: Key Points

INTRODUCTION: Financial Aid:-
The scheme was launched by the Government of The government of India will release an estimated
India in 2015.The main aim of scheme is to bring funds of Rs.43,033 crores with a budgetary support
reforms and uninterrupted power supply in rural of Rs.33,453 crores during the execution of the
areas of the country.The earlier rural electrification entire project.
scheme Rajiv Gandhi Grameen Vidyutikaran
Yojana(RGGVY) has been merged with this DDUGJY.
Inclusion of BPL
Remarkable features of the scheme:- The below poverty line households will get a free
To provide electricity to all 6 lakh villages in the electricity connection with LED lamps at Rs.3000
country. per connection.
To provide separate feeders for electricity supply The SC/ST population within the BPL will also be
to household consumers and agricultural provided with free connections along with separate
farmers. maintenance of records.
The quality and reliability of supply to be

improved by proper distribution of networks.
GARV-2
To make necessary arrangements in order to
Further to boost this scheme the power ministry has
reduce the power losses during the transmission
launched GARV-2 app to provide realtime data
of electricity.
about the six lakh villages of the country.The app is
To bring improvement in accessibility to digital
also designed to ensure the transparency in the
India through quality power supply.
implementation of the electrification process in the
rural areas.The app also provides the district wise The main outcome of this scheme would be 100%
progress of the scheme which enables the citizens electrification of rural areas and also a next step
to fetch the data through this app comfortably. towards 24 7 power for all.
CONCLUSION
Digi-Locker Scheme: All You Need To Know

INTRODUCTION uploaded by the user,each not exceeding 10mb of
Digi Locker is nothing but a digital locker that was space.
launched by the government of India in February Issuer: an entity which issues the documents in
2015.The main idea behind the scheme is to provide original format and converting them to electronic
a secure storage of documents in digital form.It is format.
one of the key initiatives of digital India Requester: an entity who requests for a secure
campaign.It is also aimed to minimise the usage of access to particular e-documents.
the documents in physical form in which handling Repository: a collection of e-documents.
risks are involved.

USAGE
WORKING OF SCHEME
Currently, the beta version(trial version) has been
It will be helpful in sharing the e-documents through launched in which more than 2.5 lakh of people
the registered repositories, in order to ensure the registered and have uploaded more than 1.8 lakh of
authenticity of the documents online.This scheme documents electronically through their aadhar
allows the citizens to upload their own documents enabled accounts.
and digitally sign them using aadhar based e-sign
facility.One can easily share to other entities or
organisations using their aadhar enabled Digi ADVANTAGES
locker accounts.Some of the examples of such The Digi locker will gradually bring down the
digitally uploaded documents are income tax cost incurred in providing services by the
returns file, university degree certificates, etc. government.
It will also bring down the staffing requirements
involved.
ELEMENTS INVOLVED
Helps in saving the time as well as safe and
My certificates (in dashboard of customers account) secure, thereby reducing the fraudulent and
futher divided into two middlemen.
Digital documents: It contains the URLS of the Since these e-documents are digitally signed
documents issued by the government agncies or using aadhar based facility one cannot
any other entities. cheat/forge the documents.
Uploaded documents: It contains all the documents
A Digi locker account holder can access CONCLUSION

his/her e-documents anywhere at anytime. One of the great step towards the digital India by
saving the time, cost and various other risks
involved in physical transactions of the documents.
SECURITY FEATURES
In the forthcoming years the scheme would be of
256 bit SSL encryption.
great success.
Mobile authentication based sign up facility.
Documents are hosted by ISO 27001 certified
data centre.
Timed log out is provided to secure the
customers account from unauthorised access.
NTR Arogya Raksha Scheme: Explained
INTRODUCTION: KEY FEATURES:
The Andhra Pradesh Government launched a new The NTR Arogya Seva scheme has already been
scheme named NTR Arogya Raksha Scheme on launched for Below Poverty Line (BPL) families.
1st December, 2016 in Vijayawada to provide a This health scheme provides medical treatment
medical treatment to the people of the Above for 1044 health and medical ailments in any of
Poverty Line (APL) at Rs. 1200 premium per annum. the 432 Corporate Hospitals and 80
This scheme was launched by the Chief Minister of Government Hospitals in the state.
Andhra Pradesh N. Chandrababu Naidu. This This scheme also offers medical insurance to
scheme is health insurance scheme. those people who are not covered under any of
the existing health schemes of the state
government.
OBJECTIVES:
The Above Poverty Line families can be avail its
This schemes main objective is to provide benefit by paying monthly installment of Rs. 100
medical treatment to the people belonging to per month per head or yearly installment of Rs.
Above Poverty Line (APL) at Rs. 1200 premium 1200 per annum per head.
per annum. Also, a similar service has been provided to
This health scheme will cover the 1044 employees and journalists in the form of health
secondary and tertiary diseases and appeals cards.
people to enroll their names in the scheme by Those who are not being covered by any such
paying Rs. 1200 per annum per head. scheme, the new health initiative Arogya
This scheme also health insurance cover is Raksha have been launched.
offered up to 2lakh and free treatment. The new Married couple either the wife or
husband belongs to other state can be
registered under one family by paying the entire program in Vijayawada named Swasthya Vidya
annual premium. Vahini program on 24th December, 2016. This
People are resister for this scheme at any of the program was aimed to developing a disease-free
Mee Seva centers till 28th February, 2017. Andhra Pradesh. Some features of this program is-
Unlike other insurance schemes pre existing This program will involve helping of all medical
diseases will not be considered. and nursing students from the state.
The chief Minister also requested the students Under this program, students of all the nursing,
of medical, nursing, psychology and home psychology, medical and home science will be
science to contribute their best to improve the divided in to 446 teams.
public health through the Swasthya Vidya This program will help to develop leadership and
Vahini. communication skills among the students. The
Andhra Pradesh has now become the FIRST students have to prepare a health profile of the
state to fulfill the health for all vision of the village and inform the officials over the reasons
World Health Organization (WHO). for the spread of disease and remedial
measures.
SWASTHYA VIDYA VAHINI Program:
The students would be awarded marks in the
The Chief Minister of Andhra Pradesh N. field work which would be treated as practical
Chandrababu Naidu launched a health education
OVERALL INFORMATION:
Sl. No. Field Information Data
1. Name of the scheme NTR Arogya Raksha Scheme
st
2. Launched on 1 December, 2016
Chief Minister of Andhra Pradesh N.

3. Lunched by
Chandrababu Naidu
4. Place where the scheme launched Vijayawada, Andhra Pradesh
5. Eligibility Above Poverty Line (APL) people
6. Scheme type Medical Insurance
7. Premium of this scheme Rs. 1200 per annum per head
8. Under this scheme program launched Swasthya Vidya Vahini
Medical, Nursing, Psychology and Home Science

9. The program is for
Student.
10. Budget Rs. 160.56crore
Shyam Prasad Mukharjee Rurban Mission: Key Points

Introduction The main objective is overall social,
PM Modi launched Shyam Prasad Mukharjee infrastructure and economic development of
Rurban Mission in Rajnandgaon district of villages
Chattisgarh The scheme aims to develop a cluster of 300
This scheme is a successor of Provision of Urban smart villages across the nation by 2020
amenities in Rural Areas (PURA) model

Beneficiaries
envisioned by our Late President Dr. APJ Abdul
Clusters are formed based on the demography
Kalam
for SPMRM mission
It is a cluster based approach to develop smart
Plain and Coastal villages with a population less
villages
than 50000 and greater than 25000
The scheme includes skill development as one of
Hilly, Tribal and Desert regions with a
the key components
population of 5000 to 15000 people
About Shyama Prasad Mukherjee Rurban Mission
What is a Smart Village?
(SPMRM)
It is an area that has the lifestyles and economic
RURBAN Mission is a cluster based approach to
characteristics of urban areas
develop the villages
Smart village does not affect the features of the
rural area while transforming
includes skill development and economic
Villages are classified into clusters for
developmental activities
developing skills and local entrepreneurship
It trains the rural youth on self-employable skills
Provisioning of economic activities and
It aims to protect rural habitat and at the same
developing infrastructure is done in the
time develops urban amenities
identified clusters
Objectives
Nodal Agency
State governments are responsible for cluster Public transport

identification Warehousing
Funding through various government sponsored Agriculture services
schemes Agro-processing
Funds shared on PPP basis Storage
Center funds 30 percent of the project cost Water supply provisions through pipes
through Critical Gap Funding (CGF) Sanitation
Center and State institutional mechanism for Waste management solid and liquid
smooth implementation of SPMRM Education facilities up gradation
Initially 300 clusters are developed with a
Way Forward
budget of 5100 crore covering 100 clusters on
an annual basis This scheme
The mission has an innovation budget for Mitigates the challenges of rural migration
undertaking research, capacity building and Reduces the after effects of hyper urbanization
development SPMRM would catalyze the growth of both rural

and urban sectors through the clusters
Major components of SPMRM Mission identified by improving rural areas and
SPMRM has 14 mandatory components and decongesting urban areas
other essential components Balanced development of rural and urban
Cluster based Skill Development sectors
Digital literacy SPMRM will help in generating employment
Skill training linked to employment opportunities in the rural areas through
Inter village road connectivity appropriate skill training programs
Mobile health units Rural youth will be educated and benefited the
Infrastructure development most from SPMRM
LPG gas connections Overall regional growth will be attained through
E-gram connectivity SPMRM.
Electronic delivery of citizen centric services
INSPIRE: Innovation in Science Pursuit for Inspired Research Program

Introduction INSPIRE aims at developing research and
INSPIRE aims to attract youth and talent to development activities in Science
pursue and study science

Objectives
The scheme will promote the study of science
To attract talent in the field of science
among the children at an early age
To communicate and train youth of the nation in
the field of science
Nodal Agency of human resource in science and technology
Department of Science & Technology field
Ministry of Science & Technology

Way Forward
There is a declining trend among students in
Entrepreneurship
pursuing science
Beneficiaries The number of students choosing science as the
Young Children option in the higher secondary is declining
School kids indicates the loss of interest in science among

students
INSPIRE Components This unique INSPIRE scheme aims to develop
Scheme for Early Attraction of Talent (SEATS) and skill students in science in an innovative
Assured Opportunity for Research Careers manner
(AORC) The scheme will foster interest in science among
Scholarship for Higher Education (SHE) children from the early age
The students are given scholarships to pursue
Features
higher education in science through this
The scheme aims to develop a skilled scientific scheme
human resource out of the young children There will be an enhancement in the research
There are no competitive exams held by the and development in the science sector
scheme organizers to identify the talent New and innovative scientific products will be
Beneficiaries are identified from the normal developed in India
education system and trained There will be growth in the number of scientists
The scheme will strengthen the Research and in India
Development base of the nation India has the possibility of emerging as the
Young children are inducted into skill training in scientific power in the world through scientific
science at an early age to develop a strong pool skill development imparted through INSPIRE

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Government Schemes

Summary of all Government schemes launched in India during 2016-17

Deen Dayal Antyodaya ............................................................................................................................................................... 2

Kayakalp - Award Scheme: All You Need To Know ............................................................................................................... 3

Deen Dayal Upadhyay Grameen Kaushal Yojana ................................................................................................................. 5

E-Nivaran : Online Tax-Related Grievance Redressal Scheme ............................................................................................ 6

Pradhan Mantri Surakshit Matritva Abhiyan ......................................................................................................................... 8

Skill India Mission: All You Need To Know ............................................................................................................................... 9

Pradhan Mantri Zero Deficit Zero Effect Scheme: Explained ............................................................................................ 11

Baristha Bunkar Sahayata Yojana: Explained ...................................................................................................................... 12

Pradhan Mantri Vittiya Saksharta Abhiyan .......................................................................................................................... 14

Pradhan Mantri Kaushal Vikas Yojana .................................................................................................................................. 15

Technology Acquisition and Development Fund .................................................................................................................. 17

Better Than Cash Alliance Network ....................................................................................................................................... 18

Sovereign Gold Bonds Scheme ................................................................................................................................................ 19

Kalinga Shiksha Sathi Yojana .................................................................................................................................................. 20

Pradhan Mantri Yuva Yojana................................................................................................................................................... 22

Kisan Credit Cards ..................................................................................................................................................................... 24

Digi Dhan Vyapar Yojana: Key Points To Know ................................................................................................................... 26

4 Projects Under Nava Kerala Mission .................................................................................................................................. 27

Lucky Grahak Yojana by NITI Ayog ........................................................................................................................................ 28

MCLR : Marginal Cost of Funds Based Lending Rate- Explained ..................................................................................... 30

Aadhaar Enabled Payment System (AEPS) : At a Glance ................................................................................................... 31

Pardhan Mantri Garib Kalyan Yojna and Demonetization ............................................................................................... 32

Vasundhara Raje's Annapurna Rasoi Yojna ......................................................................................................................... 33

4 Insurance Schemes Launched for People with Disabilities (PwD) ................................................................................. 34

Swavlamban Health Insurance Scheme: All You Need To Know ...................................................................................... 35

Key Points Of Project Saksham for CBEC .............................................................................................................................. 37

Mission Bhagiratha : Safe Drinking Water Scheme - Explained ....................................................................................... 39

Various Skill Development Schemes for Minorities ............................................................................................................. 40

Voluntary Disclosure and Surcharge Waiver Scheme: Key Features ............................................................................... 41

Swachh Swasth Sarvatra Abhiyan: All You Need To Know ................................................................................................ 43

Deen Dayal Antyodaya

Start Up Village Entrepreneurship Programme

Rural Self-employment training Institute

Kayakalp - Award Scheme: All You Need To Know

Introduction the quality of public health facilities in Hospitals,

Level of Facility Awards Certificate of

Deen Dayal Upadhyay Grameen Kaushal Yojana

Introduction Regions affected by left wing extremism and

Disadvantaged groups Comes under National Rural Livelihoods

SC/ST comprises 50% Mission

Minority community constitute 15%

Important Sectors focused by DDUGKY

Green sectors including Wooden art

Motivational training programs High level of school drop out rate

E-Nivaran : Online Tax-Related Grievance Redressal Scheme

Introduction The Government of India has initiated a major steps

Pradhan Mantri Surakshit Matritva Abhiyan

Introduction: Surakshit Matritva Abhiyan will be held on the 9th

Skill India Mission: All You Need To Know

Introduction promote faster, inclusive and sustainable

Boston Consultancy Group (BCG) has predicted Recognizing

Unorganized sector employees Conclusion

Unemployed youth Skill India Mission is projected to improve the

Pradhan Mantri Zero Deficit Zero Effect Scheme: Explained

Introduction: means its a major steps taken by Narendra

Baristha Bunkar Sahayata Yojana: Explained

Introduction women engaged in Handloom production and