Comprehensive Guide to India Key Government Schemes

Comprehensive Guide to India Key Government Schemes. India’s government has launched numerous schemes to address socio-economic challenges and promote development across various sectors. These initiatives are crucial for competitive exam aspirants, as they frequently feature in general awareness sections. Below is an overview of some significant government schemes:

Comprehensive Guide to India Key Government Schemes

1. Pradhan Mantri Jan Dhan Yojana (PMJDY)

• Launch Date: August 28, 2014
• Ministry: Ministry of Finance
• Objective: To provide universal access to banking facilities, ensuring financial inclusion for all households in India.
• Key Features:
  • Opening of zero-balance bank accounts.
  • Issuance of RuPay debit cards.
  • Accidental insurance cover.
  • Overdraft facility after satisfactory operation.

2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

• Launch Date: May 9, 2015
• Ministry: Ministry of Finance
• Objective: To provide affordable personal accident insurance to individuals.
• Key Features:
  • Annual premium of ₹12.
  • Coverage for accidental death and disability.

3. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

• Launch Date: May 9, 2015
• Ministry: Ministry of Finance
• Objective: To offer life insurance coverage to individuals.
• Key Features:
  • Annual premium of ₹330.
  • Coverage for death due to any cause.

4. Ayushman Bharat Yojana (ABY)

• Launch Date: September 23, 2018
• Ministry: Ministry of Health and Family Welfare
• Objective: To provide health coverage to economically vulnerable populations.
• Key Features:
  • Health insurance coverage up to ₹5 lakh per family per year.
  • Covers secondary and tertiary healthcare services.

5. Beti Bachao, Beti Padhao Yojana

• Launch Date: January 22, 2015
• Ministry: Ministry of Women and Child Development
• Objective: To address the declining child sex ratio and promote the education and empowerment of girls.
• Key Features:
  • Awareness campaigns to prevent gender-biased sex selection.
  • Promoting girls’ education and participation.

6. Digital India Programme

• Launch Date: July 1, 2015
• Ministry: Ministry of Electronics and Information Technology
• Objective: To transform India into a digitally empowered society and knowledge economy.
• Key Features:
  • Improving online infrastructure.
  • Increasing internet connectivity.
  • Making government services available electronically.

7. Swachh Bharat Abhiyan

• Launch Date: October 2, 2014
• Ministry: Ministry of Housing and Urban Affairs
• Objective: To achieve a clean and open defecation-free India.
• Key Features:
  • Construction of household and community toilets.
  • Solid waste management.
  • Public awareness campaigns.

8. Pradhan Mantri Awas Yojana (PMAY)

• Launch Date: June 25, 2015
• Ministry: Ministry of Housing and Urban Affairs
• Objective: To provide affordable housing to urban and rural poor by 2022.
• Key Features:
  • Interest subsidy on housing loans.
  • Focus on slum rehabilitation.
  • Promotion of affordable housing projects.

9. Atal Pension Yojana (APY)

• Launch Date: May 9, 2015
• Ministry: Ministry of Finance
• Objective: To provide a universal social security system for all Indians, especially the poor and underprivileged.
• Key Features:
  • Guaranteed minimum pension after retirement.
  • Government co-contribution for eligible subscribers.

10. Pradhan Mantri Fasal Bima Yojana (PMFBY)

• Launch Date: January 13, 2016
• Ministry: Ministry of Agriculture and Farmers Welfare
• Objective: To provide comprehensive crop insurance to farmers against non-preventable natural risks.
• Key Features:
  • Low premium rates for farmers.
  • Coverage for post-harvest losses.