Government Schemes - Part 1

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Contents
Ministry of Health and Family Welfare ................................................................................................ 6
Surakshit Matritva Aashwasan (SUMAN) (Updated) ......................................................................................... 6
Ayushman Bharat (Updated) ............................................................................................................................. 7
Ayushman Mitra scheme ................................................................................................................................... 9
Mother’s absolute affection (MAA) ................................................................................................................... 9
Labour room Quality improvement initiative (LaQshya) ................................................................................. 10
Janani Suraksha Yojana .................................................................................................................................... 11
Janani Shishu Suraksha Karyakram .................................................................................................................. 11
Mission Indradhanush...................................................................................................................................... 12
Intensified Mission Indradhanush ................................................................................................................... 12
PM Swasthya Suraksha Yojana ........................................................................................................................ 13
Mera Aspataal Initiative ................................................................................................................................... 13
Rashtriya Aarogya Nidhi................................................................................................................................... 14
National Digital Health Mission ....................................................................................................................... 15
National Health Mission................................................................................................................................... 16
National Rural Health Mission ......................................................................................................................... 16
National Urban Health Mission........................................................................................................................ 17
Rashtriya Bal Swasthya Karyakram .................................................................................................................. 18
Rashtriya Kishor Swasthya Karyakram ............................................................................................................. 18
Pradhan Mantri Surakshit Matritva Abhiyan ................................................................................................... 19
National Strategic Plan (2017-24) .................................................................................................................... 19
Mission Sampark .............................................................................................................................................. 20
Electronic Vaccine Intelligence Network (eVIN) .............................................................................................. 20
Mission Parivar Vikas ....................................................................................................................................... 20
Project Sunrise ................................................................................................................................................. 21
Digitized versions of Flagship Health Schemes on National Health Authority (NHA)’s ................................... 21
INDIA COVID 19 EMERGENCY RESPONSE AND HEALTH SYSTEMS PREPAREDNESS PACKAGE: PHASE II (ECRP-
II) ...................................................................................................................................................................... 22
Pradhan Mantri Ayushman Bharat Health Infrastructure Mission (Updated) ................................................ 24
Tele-MANAS initiative ...................................................................................................................................... 25
Digital Health Incentive Scheme ...................................................................................................................... 26
MusQan Scheme .............................................................................................................................................. 27
Ministry of Education ........................................................................................................................ 27
Paramarsh ........................................................................................................................................................ 28
The National Assessment and Accreditation Council (NAAC) ......................................................................... 28

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YUVA (Young, Upcoming and Versatile Authors) ............................................................................................ 29

STRIDE - Scheme for Trans – Disciplinary Research for India’s Developing Economy .................................... 30
Study In India (Updated) .................................................................................................................................. 31
Institute of Eminence ....................................................................................................................................... 32
PM vidya Lakshmi yojana ................................................................................................................................. 33
Scheme for Promotion of Academic and Research Collaboration (SPARC) ................................................ 34
Annual Refresher Programme in Teaching (ARPIT) ......................................................................................... 34
Leadership for Academicians program (LEAP) ................................................................................................. 35
VISAKA – Vittiya Saksharta Abhiyan................................................................................................................. 36
Ishan Vikas ....................................................................................................................................................... 36
Ishan Uday........................................................................................................................................................ 36
Rashtriya Uchchatar Shiksha Abhiyan (RUSA) ................................................................................................. 37
Pragati Scholarship Scheme for Girl Students ................................................................................................. 38
Saksham scholarship scheme for specially abled children .............................................................................. 39
Scheme for Higher Education Youth in Apprenticeship and Skills(SHREYAS) ................................................. 39
NISHTHA – ‘National Initiative for School Heads’ and Teachers’ Holistic Advancement’ ............................... 41
Impactful Policy Research in Social Science (IMPRESS) ................................................................................... 42
STARS Project ................................................................................................................................................... 43
Unnat Bharat Abhiyan...................................................................................................................................... 44
SWAYAM .......................................................................................................................................................... 45
Ek Bharat Shrestha Bharat ............................................................................................................................... 46
Global Initiative of Academic Networks (GIAN)............................................................................................... 47
Impactful Research Innovation and Technology (IMPRINT – India) ................................................................ 47
‘NIPUN Bharat’ Programme ............................................................................................................................. 48
Swasth Bachche, Swasth Bharat ...................................................................................................................... 48
Diksha Portal .................................................................................................................................................... 49
Margdarshan Initiative..................................................................................................................................... 49
Madhyamik and Uchchtar Shiksha Kosh .......................................................................................................... 50
Samagra Shiksha Scheme 2.0 (Updated) ......................................................................................................... 51
PM POSHAN Scheme ....................................................................................................................................... 52
Scheme for Protection and Preservation of Endangered Languages .............................................................. 53
New India Literacy Program (Updated March 2023) ....................................................................................... 54
National Means cum Merit Scholarship .......................................................................................................... 54
Bhasha Sangam Initiative ................................................................................................................................. 54
PM SHRI Schools .............................................................................................................................................. 55
Football4Schools initiative ............................................................................................................................... 56
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PM YUVA 2.0 .................................................................................................................................................... 56

Pandit Madan Mohan Malaviya National Mission on Teachers & Teaching ................................................... 57
Ministry of Finance.................................................................................................................................. 57
Stand Up India (Updated) ................................................................................................................................ 58
Gold Monetisation Scheme (Updated) ............................................................................................................ 58
PM Suraksha Bima Yojana................................................................................................................................ 60
PM Jeevan Jyoti Bima Yojana ........................................................................................................................... 60
Sovereign Gold Bond Scheme (Updated) ........................................................................................................ 61
PM Jan Dhan Yojana ........................................................................................................................................ 62
Pradhan Mantri MUDRA yojana (Updated) ..................................................................................................... 63
PM Vaya Vandana Yojana (Updated) ............................................................................................................... 64
Atal Pension Yojana ......................................................................................................................................... 65
Pradhan Mantri Garib Kalyan Yojana ............................................................................................................... 67
Swabhimaan – Campaign ................................................................................................................................. 68
Swachh Bharat kosh ......................................................................................................................................... 69
Tejaswini Scheme............................................................................................................................................. 70
National Pension System ................................................................................................................................. 70
SWAMIH Fund .................................................................................................................................................. 73
Expansion of Emergency Credit Line Guarantee Scheme ................................................................................ 73
India Infrastructure Project Development Fund Scheme ................................................................................ 75
Electoral Bond Scheme .................................................................................................................................... 75
Sukanya Samridhi Yojana (Updated) ............................................................................................................... 76
Ministry of Agriculture and Farmer’s welfare ........................................................................................ 77
Central sector scheme for formation and promotion of 10000 FPOs ............................................................. 77
Agriculture Infrastructure Fund ....................................................................................................................... 80
Horticulture Cluster Development Programme .............................................................................................. 82
PM Krishi Sinchai Yojana .................................................................................................................................. 84
PM Annadata Aay SanrakShan Abhiyan (PM-AASHA) ..................................................................................... 86
Soil Health Card ................................................................................................................................................ 88
RKVY – RAFTAAR .............................................................................................................................................. 88
PM – Kisan Samman Nidhi Yojana (PM- KISAN) (Updated) ............................................................................. 91
Paramparagat Krishi Vikas Yojana (Updated) .................................................................................................. 92
Student READY – Rural Entrepreneurship Awareness Development Yojana .................................................. 94
ARYA – Attracting and Retaining Youth in Agriculture .................................................................................... 95
PM Kisan Maan Dhan Yojana ........................................................................................................................... 96
PM Fasal Bima Yojana ...................................................................................................................................... 97
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Krishi Kalyan Abhiyan (Updated) ..................................................................................................................... 99

e-NAM (Electronic National Agriculture Market) (Updated) ........................................................................... 99
Small Farmer's Agriculture-Business Consortium.......................................................................................... 100
National Innovation on Climate Resilient Agriculture ................................................................................... 101
Krishi Vigyan Kendras (Updated) ................................................................................................................... 102
Mera Gaon - Mera Gaurav (Updated) ........................................................................................................... 102
e-RaKAM ........................................................................................................................................................ 103
Project CHAMAN ............................................................................................................................................ 103
National Programme on use of Space Technology for Agriculture ............................................................... 104
Mission Fingerling .......................................................................................................................................... 104
Har Medh Par Ped .......................................................................................................................................... 105
National Dairy Plan-I (Updated) ..................................................................................................................... 105
E-Pashudhan Haat Portal ............................................................................................................................... 106
Quality Mark Award Scheme ......................................................................................................................... 106
Pt Deendayal Upadhyay Unnat Krishi Shiksha Scheme ................................................................................. 107
Mission for Integrated Development of Horticulture ................................................................................... 107
National Mission on Edible Oils – Oil Palm .................................................................................................... 109
Modified Interest Subvention Scheme .......................................................................................................... 111
Agriculture Marketing Infrastructure Scheme............................................................................................... 112
Crop Residue Management Scheme.............................................................................................................. 112
National Natural Farming Mission ................................................................................................................. 113
Sub-Mission on Agricultural Mechanization (Updated) ................................................................................ 113
Bhartiya Prakritik Krishi Paddhati .................................................................................................................. 114
Agri-Clinics and Agri-Business Scheme (Updated March 2023) .................................................................... 115
Ministry of Rural Development ............................................................................................................ 115
Mahatma Gandhi National Rural Employment Guarantee Scheme.............................................................. 116
PM Awas Yojana – Grameen .......................................................................................................................... 116
PM Gram Sadak Yojana .................................................................................................................................. 118
Deendayal Antyodaya Yojana – National Rural Livelihood Mission .............................................................. 120
Overdraft Facility for Women SHG under DAY-NRLM ................................................................................... 122
One GP One B C Sakhi Mission....................................................................................................................... 122
DDU – Grameen Kaushalya Yojana (DDU-GKY) (Updated) ............................................................................ 123
Saansad Aadarsh Gram Yojana ...................................................................................................................... 124
Shyama Prasad Mukherjee Rurban Mission .................................................................................................. 125
Aajeevika Grameen Express Yojana (Updated) ............................................................................................. 128
National Social Assistance Program (Updated) ............................................................................................. 128
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Mission Antyodaya (Updated) ....................................................................................................................... 129

DISHA initiative .............................................................................................................................................. 130
SECURE ........................................................................................................................................................... 130
Mahila Kisan Sashaktikaran Pariyojna (Updated) .......................................................................................... 131
Garib Kalyan Rojgar Abhiyan.......................................................................................................................... 131
Digital India Land Records Modernization Programme (Updated January 2023) ......................................... 132

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Ministry of Health and Family Welfare

Surakshit Matritva Aashwasan (SUMAN)

(Updated)
Objectives
• Assured delivery of maternal and newborn health care services at no cost visiting
public health care centres.
• Zero tolerance for denial of services

Eligibility
• All pregnant women, newborns and mothers up to 6 months of delivery.

Launch year – 2019

Services provided

Atleast 4 Ante - natal checkups

Zero dose vaccination

Free transportation from home to health care centre

Grievance redressal mechanism

Birth registration certificates

Elimination of mother to child transmission of HIV, HBV, syphilis

Conditional direct benefit transfer under various schemes

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Integration of various schemes

JSSK PMSMA LaQshya

Types of Packages under the Scheme

• SUMAN Basic Package

• SUMAN Basic Emergency Obstetric and Neonatal Care (BEmONC)
• SUMAN Comprehensive Emergency Obstetric and Neonatal Care (CEmONC)

Ayushman Bharat (Updated)

Objective
• To achieve the vision of Universal Health Coverage by providing access to good quality
health care services and reducing the financial burden on the poor and vulnerables thereby
achieving SDG – 3.
• This scheme is a rechristened form of National Health Protection Scheme and it had
subsumed Rashtriya Swasthya Bima Yojana.

Implementing Agency

Beneficiaries

• 10.74 Crore poor and deprived families identified by Socio – economic caste census 2011
• Families already enrolled under Rashtriya Swasthya Bima Yojana.

Launch year – 2018 (from Ranchi, Jharkhand by Prime minister)

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Components
• Health and wellness centre
• PM Jan Arogya Yojana

Health and wellness centre

• The scheme envisaged the creation of 1,50,000 health and wellness centre by December
2022 (Target achieved)
• These centres deliver comprehensive primary health care.
• They cover both maternal and child health services and non – communicable diseases.
• First health and wellness centre was established at Bijapur, Chhattisgarh.

PM Jan Arogya Yojana

• It is the world’s largest health insurance scheme fully financed by the government.
• Cover of Rs.5 lakh is provided for secondary and tertiary health care in empanelled public
and private hospitals.
• 3 days pre hospitalisation and 15 days post hospitalisation expenses are covered.
• No restriction on the family size, age or gender
• All pre – existing diseases are covered.

Implementation model

• Trust model
o Under this model, the scheme is directly implemented by state health authority.
o SHA directly reimburses the health care providers.
• Insurance model
o In this model, SHA selects an insurance company to implement the scheme.
o SHA pays the premium to insurance company per eligible family and insurance
company does the claim settlement and reimburses to the health care providers.
• Mixed model/ hybrid model
o Under this model, both state and insurers have the role to play.
o Insurance company is responsible for claim settlements while the state is
responsible for maintaining funds.
Funding pattern
• 60:40 – centre and states
• 60:40 – centre and UTs with legislature
• 90:10 – centre and north – eastern and Himalayan states
• 100% from central government in case of UTs without legislature

States where the scheme is not implemented as on March 2023 – Delhi, West Bengal and
Odisha

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Ayushman Mitra scheme

What: Ayushman Mitra scheme has been launched by the Ministry of Health and Family
Welfare.

Tell me more
• These Ayushman Mitra would be volunteers who would assist eligible people in their
communities and areas to get Ayushman Cards. These cards would bring people under the
ambit of the AB-PMJAY scheme.
• Volunteers can register themselves at https://pmjay.gov.in/ayushman-mitra to create
Ayushman Mitra ID which can then be shared with eligible people.
• In addition to the Ayushman Mitra, the Ministry also launched two other initiatives - Adhikar
Patra and Abhinandan Patra.
• Beneficiaries will be given the Adhikar Patra (the letter of rights) to make them aware
about their rights so that they can claim free and cashless health care services.
• Abhinandan Patra (a thankyou note) will be given to the beneficiaries at the time of their
discharge.
• All the above-mentioned initiatives were launched at the event of Arogya Dhara 2.0, which
was organized to mark the feat of 2-crore hospital admission under the scheme.
• The Arogya Dhara 2.0 was organized to increase the reach of AB PM JAY programme to
the poorest of the poor households in the country and to make the beneficiaries aware
about the scheme.

Progress Made under Ayushman Bharat Scheme:

• The scheme was launched in 2018 to provide free treatment of up to Rs 5 lakh to
beneficiaries in the empanelled hospitals.
• The scheme has crossed the 2-crore mark in hospital admissions, so far.
• Treatment worth Rs 25,000 crore has been provided under the scheme.
• At present, there are 23,000 hospitals empanelled under the health insurance scheme
across 33 States/UTs.
• The government has identified 53 crore potential beneficiaries to be covered by the
scheme. So far, the government has provided Ayushman cards to 12 crore people.

Mother’s absolute affection (MAA)

Objective
• Building an enabling environment for breastfeeding through awareness generation
activities.
• Reinforcing lactation support services at public health facilities.
• Incentivizing and recognizing those health facilities that show high rates of breastfeeding

Launch year – 2016

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Cost of implementation per district – Rs.4.3 Lakhs

Components
• Awareness generation – Building an enabling environment and mass generation through
media
• Community level interventions – Capacity building of community health workers – ASHA,
Anganwadi workers, Auxiliary Nurse Midwives etc.
• Health facility strengthening – All health facilities should have a dedicated room for
breastfeeding.
• Monitoring and awards recognition
o 1 award per district is awarded to best facility
o Team award of Rs.10,000 per facility is provided

Labour room Quality improvement initiative

(LaQshya)
Objective: To reduce preventable maternal and new-born mortality, morbidity and stillbirths by
improving the quality of care provided in the labour room.

Launch year – 2017

Beneficiaries – Every pregnant woman and new born delivering in public health institutions.

Implementation
• The program will be implemented by
o All government medical college hospitals
o All district hospitals
o All designated first referral units (FRUs) and community health centres.

• A multi – pronged strategy has been adopted such as improving infrastructure up-gradation,
ensuring the availability of essential equipment, providing adequate human resources,
capacity building of health care workers and improving quality processes in the labour
room.

Certification
• Quality improvement in labour room and maternity OT will be assessed through National
Quality Assurance Standards (NQAS).
• Every facility scoring 70% or more on NQAS will be certified as LaQshya certified facility.

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Incentives
• Facilities achieving NQAS certification, defined quality indicators and 80% satisfied
beneficiaries will be provided incentive of Rs.6 lakh, Rs.3 lakh and Rs.2 lakh for medical
college hospital, district hospital and FRUs respectively.

Janani Suraksha Yojana

Objective: Reducing maternal and neo – natal mortality by promoting institutional deliveries
among the poor pregnant women.

Launch year – 2005

Funding – Central Sector Scheme (100% funding from GoI)

Eligibility for Cash Assistance

• For low performing states (LPS)

o All pregnant women delivering in government health care centres.
o BPL/SC/ST women delivering in accredited private institutions.
• For high performing states (HPS)
o All BPL/SC/ST women delivering in government health centre and accredited private
health centres

Category Rural Area Total Urban Area Total

Mother’s ASHA’s Mother’s ASHA’s
package package package Package
LPS 1400 600 2000 1000 400 1400
HPS 700 600 1300 600 400 1000

Janani Shishu Suraksha Karyakram

Objective: To provide completely free and cashless services to pregnant women including normal
deliveries and Caesarean and sick new born (Upto 30 days after birth) in government health
institutions in both urban and rural areas

Launch year – 2011

Beneficiary
• The scheme is expected to benefit more than 12 million pregnant women who access
government health facilities for their delivery.

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Mission Indradhanush
Objective
• To ensure full immunization with all available vaccines for children up to two years of age
and pregnant women
• Vaccination against 12 Vaccine-Preventable Diseases is provided

Launch year - 2014

Focus districts – 201 high focus districts across 28 states

Target achieved - The rate of increase in full immunization coverage increased to 6.7% per year

Intensified Mission Indradhanush

Intensified Mission Indradhanush (1.0)

Launch year – 2017

Focus
• To improve immunisation coverage in selected districts and cities and ensure full
immunisation to more than 90% people by December 2018.
• Greater focus was given on urban areas

Intensified Mission Indradhanush 2.0

Launch year – 2019

• Focus is on those districts which have immunization coverage of 70% or below.
• Full immunization coverage to more than 90% people by March 2020

History of immunization program in India:

• Immunization Programme in India was introduced in 1978 as ‘Expanded Programme of
Immunization’
• In 1985, the programme was modified as ‘Universal Immunization Programme’
• Despite being operational for many years, UIP was able to fully immunize only 65% children
in the first year of their life.

Intensified Mission Indradhanush 3.0

• The focus of the mission will be children and pregnant women who have missed their
vaccine doses during the pandemic.

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• The mission will have two rounds starting from 22nd February and 22nd March 2021. Each
round will be for 15 days each.
• As per the guidelines, the districts have been classified as:
o Low risk – 313
o Medium risk – 152
o High risk – 250
• It will be conducted in 250 districts across 29 states/UTs in the country,

Intensified Mission Indradhanush 4.0

• It will have 3 rounds and will be conducted in 416 districts across 33 states/UTs across the
country
• The districts have been identified based on vaccination coverage as per National Family
Health Survey – 5 and Health Management Information System.
• First round – 7th Feb onwards, second round – 7th March onwards and third round 4th April
2022

PM Swasthya Suraksha Yojana

Objective
• The scheme is aimed at correcting imbalances in the availability of affordable tertiary care
healthcare facilities.
• It also has the objective of augmenting facilities for quality medical education in the under –
served states in particular.

Launch year – 2003

Components
• Setting up of AIIMS like institutions
• Up – gradation of existing state government medical colleges

Mera Aspataal Initiative

Objective
• It is an initiative to capture patient’s feedback for the services received at the hospital
through multiple channels

Launch year – 2016

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Process and mechanism

• It works through multiple communication channels including SMS, a mobile app and a web
portal
• Analysed data will be used to improve quality of services in healthcare facilities.

Rashtriya Aarogya Nidhi

Objective: To provide financial assistance to BPL patients, who are suffering from major life-
threatening diseases.

Launch year – 1997

Components
• Rashtriya Aarogya Nidhi - To provide financial assistance to poor patients living BPL and
suffering from life threatening diseases related to heart, kidney, liver, etc. for their treatment
at Government hospitals/institutes having super specialty facilities.

• Health Minister's cancer Patient Fund - To provide financial assistance to poor patients
living BPL and suffering from cancer.

• Financial assistance scheme for rare diseases – To provide financial assistance to poor
patients living BPL and suffering from specified rare diseases.
❖ Poverty line is defined state wise in the scheme.

Eligibility
• All BPL families except government servants and their families.
• Families enrolled under Ayushman Bharat – PMJAY are not eligible.

Financial Assistance
• Revolving funds of Rs.1 Crore for each component have been set up in hospitals. (Rs.2
Crore for AIIMS, New Delhi under RAN component only).
• On utilization of 75% of revolving funds, hospitals are eligible for replenishment.
• Treatment up to 5 lakh can be provided under the powers of Medical superintendent.
• For treatment above Rs.5 lakh, the matter has to be referred to the ministry.
• Maximum financial assistance admissible is Rs.15 lakh

RAN in News
• Under National Policy for Rare diseases 2021, financial support of up to Rs.20 Lakhs is
provided under the third component of Rashtriya Aarogya Nidhi.
• This support will be provided for those diseases that require a one-time treatment
• This is applicable for Ayushman Bharat beneficiaries also.

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National Digital Health Mission

Objective
• To develop the backbone necessary to support the integrated digital health infrastructure of
the country
• It will bridge the existing gaps among the different stakeholders ecosystem through digital
ways.
• A national digital health ID will be provided to all the citizens of the nation.

Implementing authority – National Health Authority

Launch year – 2020

The NDHM ecosystem

Pilot launch
• The scheme will be implemented as a pilot project in UTs of Chandigarh, Dadra and Nagar
Haveli and Daman and Diu, Puducherry, Andaman and Nicobar islands, Lakshadweep and
Ladakh.

Key features
• It comprises of six building blocks
o Health ID
o Digi doctor
o Health facility registry
o Personal health records

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o E – pharmacy
o Telemedicine
• The digital health ID will consist of all medical details of the individual including prescription,
treatment, diagnosis reports and discharge summaries.

National Health Mission

Introduction
• National Health Mission aims to support States/UTs for strengthening their health care
delivery systems.
• The Mission has two sub missions - National Rural Health Mission and National Urban
Health Mission.

Objectives:
The broad objectives of National Health Mission include the following
• Reduce MMR to 1/1000 live births
• Reduce IMR to 25/1000 live births
• Reduce TFR to 2.1
• Prevention and reduction of anaemia in women aged 15–49 years
• Prevent and reduce mortality & morbidity from communicable, non- communicable; injuries
and emerging diseases
• Reduce household out-of-pocket expenditure on total health care expenditure
• Reduce annual incidence and mortality from Tuberculosis by half
• Reduce prevalence of Leprosy to <1/10000 population and incidence to zero in all districts
• Annual Malaria Incidence to be <1/1000
• Less than 1 per cent microfilaria prevalence in all districts
• Ending TB by 2025

National Rural Health Mission

Objectives
• NRHM aims to provide Reproductive, Maternal, Newborn, Child and Health and Adolescent
(RMNCH+A) services to the rural deprived people through its network of ASHA, ANMs and
AWWs.
• It is for all towns and villages below the population of 50,000

Initiatives taken
Various initiatives under NRHM
• Accredited social health activists
• Janani Suraksha Yojana
• Janani Shishu Suraksha Karyakram (JSSK)

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• Rashtriya Bal Swasthya Karyakram (RBSK)

• Mainstreaming AYUSH – revitalizing local health traditions.

National Urban Health Mission

Objectives
• It seeks to strengthen the existing health care service delivery system converging with various
schemes implemented by the Ministries of Urban Development, Housing & Urban Poverty
Alleviation, Human Resource Development and Women & Child Development.
• It focuses on urban poor, slum dwellers, by making available to them essential primary
health care services and Reducing their out of pocket expenses for treatment.

Helping partners: It works in partnership with community and local bodies and NGOs and District
health action plan is prepared.

Coverage: NUHM would cover all State capitals, district headquarters and cities/towns with a
population of more than 50000.

Funding pattern: Centre-state funding pattern will be 75:25 for all the states and 90:10 for Special
Category’s States.

ASHA, ANM and AWW

ASHA:
• Accredited Social Health Activist (ASHA) is a trained female community health activist who
acts as an interface between the community and the public health system.
• ASHA must be women resident of the village who is literate with formal education up
to class eight and preferably in the age group of 25-45 years.
• She should be a literate women qualified up to 10th standard.

ANM:
Auxiliary Nurse Midwife is a resource person for ASHA and provides on-job training and guidance
and ensures that ASHA gets the compensation for performance.

AWW:
Anganwadi Worker guides ASHA in performing activities such as organising Health Day at
Anganwadi Centre and AWW is a depot holder for drug kits and will be issuing it to ASHA

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Rashtriya Bal Swasthya Karyakram

Objective: The scheme aims at early identification and early intervention for children from birth to
18 years to cover 4 ‘D’s viz. Defects at birth, Deficiencies, Diseases, Development delays
including disability.

Launch year – 2013

Coverage: Children between 0-18 years are covered.

Children between 0-6:

The 0 - 6 years age group will be specifically managed at District Early Intervention Center (
DEIC ) level while for 6 -18 years age group, managed at existing public health facilities.
• DEIC will act as referral linkages for both the age groups.
• Children under 6 years will be screened by Mobile Block Health team sat the Anganwadi
centre

Children between 6-18 years

• These children managed at existing public health facilities.
• They screened at the local schools at least once a year in government and government
aided schools.

Rashtriya Kishor Swasthya Karyakram

Introduction: It is a health programme for adolescents, which focuses on age groups 10-19 years
with universal coverage.

Objectives: Key Principles are adolescent participation and leadership, Equity and inclusion,
Gender Equity and strategic partnerships with other sectors and stakeholders.

Focused areas:
• Improve nutrition - Reduce the prevalence of malnutrition and iron-deficiency anaemia (IDA)
among adolescent girls and boys.
• Improve sexual and reproductive health
• Enhance mental health
• Prevent injuries and violence
• Prevent substance misuse
• Address NCDs

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Pradhan Mantri Surakshit Matritva Abhiyan

Objectives
• This program aims to provide assured, comprehensive and quality antenatal care, free of
cost, universally to all pregnant women on the 9th of every month.
• It guarantees a minimum package of antenatal care services to women in their 2nd/3rd
trimesters of pregnancy at designated government health facilities.
• It aims to improve the quality and coverage of Antenatal Care (ANC) including diagnostics
and counselling services as part of the Reproductive Maternal Neonatal Child and
Adolescent Health (RMNCH+A) Strategy.

Launch year – 2016

Facilities Provided

• A minimum package of prenatal care/antenatal care services i.e care given during
pregnancy and
• Medicines such as IFA supplements, calcium supplements etc would be provided to all
pregnant women.

Approach:
The programme follows a systematic approach for engagement with private sector which includes
motivating private practitioners to volunteer for the campaign.

National Strategic Plan (2017-24)

Objective
• To attain universal coverage of HIV prevention paving the way for an AIDS free India.
• To achieve three zeros – “Zero new infections”, Zero AIDS related deaths and “Zero
discrimination”
• To eradicate HIV/AIDS by 2030.

Launch year – 2017

Targets (by 2020)

• 75% reduction in new HIV infections
• 90:90:90 strategy - 90% of all people living with HIV will know their HIV status, 90% of all
people with diagnosed HIV infection will receive sustained antiretroviral therapy, 90% of all
people receiving antiretroviral therapy will have viral suppression.
• Elimination of mother to child transmission of HIV and Syphilis
• Elimination of stigma and discrimination.

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Targets (By 2024)

• 80% reduction in new HIV infections
• 95:95:95 strategy - 95% of all people living with HIV will know their HIV status, 95% of all
people with diagnosed HIV infection will receive sustained antiretroviral therapy, 95% of all
people receiving antiretroviral therapy will have viral suppression.

Mission Sampark
The Mission Sampark was launched in 2017 to bring People Living with HIV who has left
treatment back to Anti Retro Viral Treatment (ART).

Electronic Vaccine Intelligence Network

(eVIN)
Objective
• It is an indigenously developed technology system in India that digitizes vaccine stocks and
monitors the temperature of the cold chain through a smartphone application.
• eVIN aims to support the Government’s Universal Immunization Programme by providing
real-time information on vaccine stocks and flows, and storage temperatures across all cold
chain points in these states.
• It aims to strengthen the evidence base for improved policy-making in vaccine delivery,
procurement and planning for new antigens in India.

Launch year – 2015

Implementation
• It is being implemented under National health mission by ministry of health and family
welfare in partnership with UNDP.

Mission Parivar Vikas

Objective
• To accelerate access to contraceptives and high-quality family planning services.
• It focuses on family planning initiatives and targeted approaches for population stabilisation
through better services delivery approach.

Launch year – 2017

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Coverage
• It will focus on 146 high fertility districts in 7 states with high total fertility rate of 3 and above
• These states are Uttar Pradesh, Bihar, Rajasthan, Madhya Pradesh, Chhattisgarh,
Jharkhand and Assam that constitute 44% of the country’s population.

Sub program – Antara:

• A new program named ―Antara was launched under this mission.
• Under this, an injectable hormonal contraceptive method for women that prevents
pregnancy for 3 months.

Project Sunrise
Objective
• The project is for tackling the increasing HIV prevalence in the eight North-Eastern states.

Target
• It aims to diagnose 90% of drug addicts with HIV and put them under treatment at free of
cost, by 2020.

Implementing Agency
• It is being implemented by National AIDS Control Organization (NACO).
• The project has been sponsored by US based Centre for Disease Control and would be
implemented by Family Health International 360.

Digitized versions of Flagship Health Schemes

on National Health Authority (NHA)’s IT platform
What
• Ministry of Health and Family Welfare launched the revamped Central Government Health
Scheme (CGHS) and the Umbrella schemes of Rashtriya Arogya Nidhi (RAN) and Health
Minister’s Discretionary Grant (HMDG) on National Health Authority (NHA)’s IT platform.

Why
• Digitization will make the healthcare services available transparently and swiftly to the
needy citizens.

About CGHS:
• This scheme is for Serving Employees, Pensioners, Members of Parliament, ex-MPs, etc.,
and their dependent family members
• Presently approximately 35 lakh beneficiaries are covered by CGHS in 71 cities all over
• India.

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• e-referral module developed by NIC has enabled CGHS dispensaries and wellness centres
to issue online referral to empanelled hospitals.

About RAN:
• Under RAN, financial assistance up to Rs.15 lakhs is provided to poor patients suffering
from major life-threatening diseases/cancer/rare diseases, for medical treatment at
Government hospitals.
• The eligibility criteria to avail services under RAN had been based on State/UT-wise BPL
threshold which is very time consuming to get. But now (by digitization), the process will be
automatic and paperless.
• AB PM-JAY beneficiaries would be able to avail the benefit under RAN scheme for the
treatment beyond five lakhs that are not covered under the scheme.

About HMDG:
• Under HMDG a maximum amount of Rs.1,25,000/- is provided to patients whose annual
income does not exceed Rs.1,25,000/-, to defray a part of the expenditure on
hospitalization/treatment in Government Hospitals for life threatening diseases covered
under RAN in cases where free medical facilities are not available.
• Limits for grants –
▪ Rs.75,000, if the estimated cost of treatment is up to Rs.1,25,000
▪ Rs.1,00,000, if the estimated cost of treatment is above Rs.1,25,000 and up to
Rs.1,75,000
▪ Rs.1,25,000, if the estimated cost of treatment is above Rs.1,75,000

Note: other similar schemes are being planned to be rolled out on NHA’s IT platform

INDIA COVID 19 EMERGENCY RESPONSE AND

HEALTH SYSTEMS PREPAREDNESS PACKAGE:
PHASE II (ECRP-II)
What: The Union Cabinet has approved a new scheme ‘India COVID-19 Emergency Response &
Health System Preparedness Package: Phase-II’ amounting to Rs. 23,123 crores for FY 2021-22.

Why: To accelerate health system preparedness with the focus on immediate needs for the next
nine months of FY 21-22, to fight against COVID- 19 (predicted third wave).

• The Phase-II of the Package has Central Sector (CS) and Centrally Sponsored Schemes
(CSS) components.

Central Sector Schemes and Centrally Sponsored Schemes

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• Central Sector Schemes are implemented by Centre directly while Centrally

Sponsored Schemes are implemented by states.
• Union government fully funds the central sector schemes, centrally
sponsored schemes are jointly funded by the Centre and states.
• CSS are extended by the Union Government to States under Article 282 of
the Constitution.

• Fund management (total- Rs. 23,123 crore):

o Central Share of the ECRP-II –Rs.15,000 crore
o State Share of the ECRP-II –Rs.8,123 crore

• Duration: from 01" July 2021 to 31" March 2022

Under the Central Sector components:

Support would be provided:

• National Centre for Disease Control (NCDC) would be strengthened by providing

Genome Sequencing machines, besides sanctioning Scientific Control room, Epidemic
Intelligence Services (EIS) and INSACOG Secretariat support.

• for implementation of Hospital Management Information System (HMIS) in all the District
Hospitals of the Country (presently, it is implemented only in 310 DHs).

• for expanding the National Architecture of eSanjeevani Tele-consultation platform to

provide up to 5 lakhs tele-consultations per day from the present 50,000 Tele-consultations
per day.

• for IT interventions, including strengthening the Central War room at DoHFW,

strengthening Country’s COVID-19 Portal, 1075 COVID help lines and COWIN platform.

Under the Centrally Sponsored Schemes (CSS):

• Create Paediatric units in all 736 districts
• Augment 20,000 ICU beds in public healthcare system out of which 20% will be Pediatric
ICU beds.
• Creating pre- fabricated structures for adding additional beds at the existing CHCs, PHCs
and SHCs.
• Install 1050 numbers of Liquid Medical Oxygen Storage Tanks with Medical Gas Pipeline
System (MGPS).
• Augment the existing feet of ambulances - 8,800 ambulances will be added under the
package.
• Engage Undergraduate and post graduate medical interns and final year MMBS, BSc, &
GNM nursing students for effective COVID management.
• support is provided to the States to maintain at least 21.5 lakhs COVID tests per day.

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Background:
India COVID 19 Emergency Response and Health Systems Preparedness Package"
• In March 2020 last year, when the country was faced with the first wave of the COVID 19
pandemic, the PM announced a Central Sector Scheme of Rs. 15,000 crorefor the "India
COVID 19 Emergency Response and Health Systems Preparedness Package".
• It aims at providing a critical impetus to the efforts of MoHFW and States/UTs, and
catalysing health systems activities for pandemic management.
• Since mid-February 2021, the country is experiencing a second wave with spread into rural,
peri-urban and tribal areas.

Pradhan Mantri Ayushman Bharat Health

Infrastructure Mission (Updated)
Objectives
• To strengthen grass root public health institutions to deliver universal comprehensive
primary health care and critical care services
• To expand and build an IT enabled disease surveillance system by developing a network of
surveillance laboratories at block, district, regional and national levels
• Expansion of research on COVID-19 and other infectious diseases and to develop the core
capacity to deliver the One Health Approach to prevent, detect, and respond to infectious
disease outbreaks in animals and humans

Launch year – 2021

Budget of the Scheme - Rs.64,180 Cr for five years till 2025-26.

Components of the scheme – The scheme has two components – Central Sector and Centrally
Sponsored.

Centrally Sponsored Components

• Ayushman Bharat-Health and wellness centre in rural areas

▪ Support for infrastructure development for 17788 Sub-Health Centres is proposed in
7 High Focus States and 3 north-eastern states –
o Bihar, Jharkhand, Odisha, Punjab, Rajasthan, Uttar Pradesh and West
Bengal
o 3 North Eastern States - Assam, Manipur and Meghalaya

• Ayushman Bharat-Health and wellness centre in urban areas – Support for 11044
Urban Health & Wellness Centres across the country is proposed under this component

pg. 24
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• Block Public Health Units (BPHUs) – Support for 3382 BPHUs in 11 High Focus States/
UTs (Assam, Bihar, Chhattisgarh, Himachal Pradesh, UT - Jammu and Kashmir,
Jharkhand, Madhya Pradesh, Odisha, Rajasthan, Uttar Pradesh and Uttarakhand)

• Integrated District Public Health Laboratories in all districts.

• Critical Care Hospital Blocks in all districts with a population more than 5 lakhs, in state
government medical colleges / District Hospitals.

Central Sector Components

• Critical Care Hospital Blocks in 12 Central Institutions.

• Support for 20 Metropolitan Surveillance Units, 5 Regional National Centre for Disease
Control and implementation of Integrated Health Information Platform in all states.
• Support for 17 new Points of Entry Health Units and Strengthening of 33 existing Units.
• Strengthening Disaster and Epidemic Preparedness. Support for 15 Health Emergency
Operation Centres & 2 Container based mobile hospitals.
• Bio-security preparedness and strengthening Pandemic Research and MultiSector,
National Institutions and Platforms for One Health.
• Support for setting up of a National Institution for One Health, a Regional Research
Platform for WHO South East Asia Region, 9 Bio-Safety Level III Laboratories and 4 new
Regional National Institutes of Virology (NIVs).

Funding Pattern

• For central sector – 100% by the central government

• For centrally sponsored –
▪ 60:40 – Centre:State
▪ 90:10 – Centre: UTs with legislature except for Jammu & Kashmir, Himachal
Pradesh, Uttarakhand, North Eastern States
▪ 100:00 – Centre: UTs without legislature and Jammu & Kashmir

Tele-MANAS initiative
What: Union Ministry of Health & Family Welfare has launched Tele-MANAS initiative on the
occasion of World Mental Health Day (10 October).
• Tele-MANAS stands for Tele Mental Health Assistance and Networking Across States

Tell me more

About Tele-MANAS initiative

• Objective – To provide free tele-mental health services all over the country, particularly to
people in remote or under-served areas.
• Launch year – 2022
pg. 25
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• It includes a network of 23 tele-mental health centres of excellence.

• Under it, Union Government aims to open at least one Tele-MANAS Cell in each State/UT.
• Nodal Implementing Centre- National Institute of Mental Health and Neurosciences
(NIMHANS), Bengaluru.
• Technology support – International Institute of Information Technology-Bangalore (IIITB).
• Technical support – Indian Institute of Technology (IIT) Bengaluru and National Health
Systems Resource Centre (NHRSC).
• Initial rollout
▪ Initially, it will provide basic support and counselling through centralized Interactive
Voice Response system (IVRS) customized for use across all States/UTs.
▪ This will help in providing immediate mental healthcare services and facilitate
continuum of care.
▪ Service can be availed at toll-free, 24/7 helpline number 14416 and 1-800-91-4416.
• Implementation- Tele-MANAS will be implemented in two tier system
▪ Tier 1- It comprises of state Tele-MANAS cells consisting of trained counsellors and
mental health specialists.
▪ Tier 2- It comprises specialists at District Mental Health Programme (DMHP)/Medical
College resources for physical consultation and/or e-Sanjeevani for audio visual
consultation.
• Tele-MANAS will be linked with other services like National tele-consultation service, e-
Sanjeevani, Ayushman Bharat Digital Mission, Ayushman Bharat health and wellness
centres and emergency psychiatric facilities.
• With this integration, Tele-MANAS will include the entire spectrum of mental wellness and
illness, and integrate all systems that provide mental health care

Digital Health Incentive Scheme

What: National Health Authority has announced a Digital Health Incentive Scheme (DHIS) for the
stakeholders of the digital health ecosystem.

Tell me More

• Objective: To give a further boost to digital health transactions in the country under the
Ayushman Bharat Digital Mission (ABDM).
• Financial Outlay: Rs. 50 crores for a period of 6 months starting from 1st January 2023
onwards.
• Beneficiaries: Under it, incentives will be provided to the following entities:
▪ Health Facilities having 10 or more beds.
▪ Laboratory/radiology diagnostics centres.
▪ Digital Solution Companies (entities providing ABDM enabled digital solutions).
• They will be given financial incentives up to Rs. 4 crores based on the number of digital
health records they create and link to Ayushman Bharat Health Account (ABHA).

pg. 26
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MusQan Scheme
• Objective: To accelerate efforts toward reduction of preventable maternal mortality and
morbidity by improving Quality of Care during the delivery and immediate post-partum
period.
• Launch Year: 2021.
• Ministry: Ministry of Health and Family Welfare.
• It .
• It has been initiated in all government medical college hospitals, district hospitals &
equivalent health facilities, all designated FRUs and high case load CHCs.
• Key strategy of MusQan is to
▪ Strengthen clinical protocols and management process.
▪ Children and parent attendant friendly ambience and infrastructure.
▪ Strengthen referral and follow-up services.
▪ Provision of respectful and dignified care.

Ministry of Education

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Paramarsh
Objective
• Institutes accredited by the National Accreditation and Assessment Council (NAAC) will
guide the non-accredited institutions to improve their quality standards.

Launch year – 2019

Methodology

• The scheme is operationalized through a “Hub & Spoke” model wherein the Mentor
Institution, called the “Hub” is centralized and will have the responsibility of guiding the
Mentee institution through the secondary branches the “Spoke” i.e. through the services
provided to the mentee for self- improvement.

• This will allow a centralized control over operational efficiency, resource utilization to attain
overall development of the mentee institution.

Target – The scheme targets 1000 Higher Education Institutions (HEIs) for mentoring with a
specific focus on quality as enumerated in the UGC “Quality Mandate”.

Expected Results

• It will lead to enhancement of overall quality of the mentee institutions and enhance its
profile as a result of improved quality of research, teaching and learning methodologies.
• It will help the mentee institution in getting NAAC accreditation.
• It will also facilitate the sharing of knowledge, information and opportunities for research
collaboration and faculty development in Mentee Institutions.
• It will help in providing quality education to the 3.6 crore students who are enrolled in Indian
Higher Education system at present.

The National Assessment and Accreditation

Council (NAAC)

• It is an organisation that assesses and accredits higher education Institutions (HEIs) in

India.
• It is an autonomous body funded by UGC and it is headquartered in Bengaluru.
• It was established in 1994 in response to recommendations of National Policy in Education
(1986).
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YUVA (Young, Upcoming and Versatile Authors)

What
• The Ministry of Education, Department of Higher Education launched YUVA- Prime
Minister’s Scheme For Mentoring Young Authors, an Author Mentorship programme.
• YUVA is a part of India@75 Project (Azadi Ka Amrit Mahotsav).

Why
• To train young and budding authors (below 30 years of age) in order to promote reading,
writing and book culture in the country, and project India and Indian writings globally.

Key Points

• The launch of YUVA (Young, Upcoming and Versatile Authors) is in tune with PM’s vision to
encourage young writers to write about India's freedom struggle.

• Implementing agency: The National Book Trust, India

▪ The books prepared under this scheme will be published by National Book Trust,
India;
▪ and will also be translated into other Indian languages ensuring the exchange of
culture and literature, thereby promoting 'Ek Bharat Shreshtha Bharat'.

• Scholarship: A consolidated scholarship of Rs.50,000 per month for a period of six months
per author will be paid under the Mentorship Scheme

Selection Procedure:
• A total of 75 authors will be selected through an All- India Contest to be conducted through
https://www.mygov.in/ from 1 June - 31 July 2021.
• The winners will be announced on 15 August 2021.
• The young authors will be trained by eminent authors/mentors.
• Under the mentorship, the manuscripts will be readied by 15 Dec. 2021 for publication.
• The published books will be launched on 12 January 2022 on the occasion of National
Youth Day (Yuva Diwas).

Significance:
• The selected young authors will interact with some of the best authors of the world;
participate in literary festivals etc.
• This scheme will thus help to develop a stream of writers who can write on a spectrum of
subjects to promote Indian heritage, culture and knowledge system.

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STRIDE - Scheme for Trans – Disciplinary

Research for India’s Developing Economy
Objectives
• To identify young talent, strengthen research culture, build capacity, promote
innovation and support trans-disciplinary research.
• To fund multi-institutional network for high-impact research projects in humanities
and human sciences.
Eligible projects: To avail the benefit of this scheme the projects should be:

o Socially relevant
o locally need-based
o nationally important and
o globally significant.

Launch year – 2019

Advisory committee: The UGC had set up an advisory committee under its Vice Chairman
Bhushan Patwardhan, to oversee the entire scheme.

Components

o First Component- Scheme for Research Capacity Building and Human

Resource Development:

▪ To identify motivated young talents with research and innovation aptitude

in colleges and universities.
▪ Grant: Open to all disciplines (subjects) for grant up to Rs.1 crore per
institution.
▪ Tenure: 3 years

o Second Component- Scheme for Trans-Disciplinary Research:

▪ Encouraging collaborations between universities, government, industries
and voluntary organizations to enhance social innovation and action research
to improve the wellbeing of people and contribute to India's developing
economy.
▪ Grant: Open to all disciplines for grant from Rs. 50 lakh to Rs.1 crore
(depends upon the project).
▪ Tenure: 3 years

o Third Component- Scheme for High Impact Trans-Disciplinary Research in

Humanities and Human Sciences:
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▪ Funding high impact research projects in humanities and Social

Sciences via national network of eminent scientists from leading institutions
of country.
▪ Philosophy, history, archaeology, anthropology, psychology, liberal arts,
linguistics, Indian languages and culture, Indian knowledge systems, law,
education, journalism, mass communication, commerce, management,
environment and sustainable development are the disciplines eligible for
funding under this component.
▪ Grant: Up to Rs.1 crore for one High Educational Institute (HEI) and up to
Rs.5 crores for multi institutional network.
▪ Tenure: 5 years

Study In India (Updated)

Objectives

Launch year – 2019

Fee Waiver

No fee waiver
100% for top 50% for next 25% for next
for remaining
25% 25% 25%
25%

Scholarship Exam – PRAGATII (Performance Rating of Applicants through Global Aptitude Test
for Indian Institutions)

pg. 31
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Target
• It will target students from 30 plus countries across South-East Asia, Middle East and
Africa.
• This programme has an ambition of increasing the number of foreign students to two Lakh
by 2022.

Expenditure
• The Government has approved an expenditure of Rs. 150 crores for the ‘Study in India’
programme for two years 2018-19 and 2019-20 which will be primarily for brand promotion
activities. (as the scheme was approved in March 2018).

Number of seats
• This program targets foreign students to be admitted to 10-15% supernumerary seats
(reserved as per the existing Government framework) so that it would not have any
adverse impact on the number of seats/admission of Indian students.

Institute of Eminence
Objective: To provide recognition to 20 higher education institutes in India; 10 from public sector
and 10 from private sector.

Freedom to the institutes

They have complete freedom to –
• decide the curriculum,
• hire domestic and foreign faculty and
• fix a fee structure of their choice.

Criteria
• Only those institutions which have appeared in any of the global/national ranks shall be
recommended for the IoE status
• Any institution that did not appear in any rankings (QS-2019, QS-2020 and NIRF) is
excluded completely from the list of IoE tag.

After exhausting the above criterion, if any slot remains vacant, consideration shall be given to yet
to be established (Greenfield) proposals

Nomination committee – Nominations of 20 institutes have been made on the recommendations

of N. Gopalaswami committee.

Launch year – Announced in Union Budget 2016 and guidelines were set by UGC in 2017.

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Funds: Rs. 1000 cr. grant will be given only to public institutions and no funds will be given to
private institutions.

Autonomy Provided: These Institutions shall also be provided with autonomy

• To admit foreign students up to 30% of admitted students;
• To recruit foreign faculty up to 25% of faculty strength;
• To offer online courses up to 20% of its programmes;
• To enter into academic collaboration with top 500 in the world ranking Institutions
without permission of UGC;
• Free to fix and charge fees from foreign students without restriction;
• Flexibility of course structure in terms of number of credit hours and years to take a
degree;
• Complete flexibility in fixing of curriculum and syllabus, among others
Institutions under Greenfield projects
• Jio Institute sponsored by Reliance Foundation.
• Satya Bharti University sponsored by Bharti Foundation

PM vidya Lakshmi yojana

Objective
• To provide a fully IT based Student Financial Aid Authority to administer and monitor
Scholarship as well Educational Loan Schemes
• Accordingly, Vidya Lakshmi Portal, a first of its kind portal for students seeking education
loan was set up

Launch year – 2015

Benefits
• It provides single window electronic platform for students to access information and
prepares applications for Educational Loans and Government Scholarships.

• The portal also provides linkages to National Scholarship Portal.

Developing Supporter
• This portal has been developed under the guidance of Department of Financial
Services, (Ministry of Finance), Department of Higher Education (Ministry of Human
Resource Development) and Indian Banks Association (IBA).

• The portal has been developed and being maintained by NSDL e-Governance
Infrastructure Limited

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Scheme for Promotion of Academic and

Research Collaboration (SPARC)
Objective: It aims at improving the research ecosystem of India‘s higher educational institutions
by facilitating academic and research collaborations between Indian and foreign institutions.

Eligibility Criteria
• Only such Indian institutes can apply which are in top 100 NIRF ranking or top 100 NIRF
subject ranking.
• For foreign universities the benchmark is either top 500 of QS ranking or top 200 of QS
subject ranking.
Launch year – 2018
Funding
• Total 418 Crore have been allocated to the scheme

The budget can be from any one of the following depending in visiting time of foreign faculty.
• Upto Rs.50 lakhs
• From Rs.50 lakhs to Rs.75 lakhs
• From Rs.75 lakhs to Rs.100 lakhs

Coordinating Institute: IIT-Kharagpur is the national Coordinating Institute to implement the

SPARC programme.

Fundamental research
• Basic Science – Physical, Chemical and Biological
• Applied and interdisciplinary sciences
• Computational and Mathematical sciences
• Earth, atmosphere and environmental sciences

National Coordinator – Prof. Virendra Kumar Tewari, Director, IIT Kharagpur

Annual Refresher Programme in Teaching (ARPIT)

Objective: To provide professional development to 15 lakh higher education faculty.

Launch year – 2018

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Platform used
• The training is provided through Massive Open Online Courses (MOOCs) platform
SWAYAM.
o SWAYAM - Study Webs of Active learning for Young Aspiring Minds is a Massive
Open Online Courses (MOOCs) platform launched to offer various online courses for
school education and higher education.

Material provider
• Various National Resource Centres (NRC) are identified for developing online course
material.
o These NRCs are in a mixed range of institutions such as, Central Universities, IISc,
IUCAA, IITs, IISERs, NITs, IGNOU, State Universities, UGC‘s Human Resource
Development Centres (HRDCs) and National Institutes for Technical Teachers
Training.

Leadership for Academicians program (LEAP)

Objective: It is a leadership development training program for academic heads.

Launch year – 2018

Focused group:
• Its focus group is second level academic functionaries in public funded higher education
institutions.

Duration:
• 3 weeks (2 weeks domestic and 1 week foreign)

Areas to be skilled
• It includes both domestic and foreign training in managerial skills such as problem-solving,
handling stress, team building work, conflict management, developing communication skills
etc.

Implementing Universities
• The implementation will be through top 15 NIRF ranked universities and top 100 global
ranked foreign universities

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VISAKA – Vittiya Saksharta Abhiyan

Objective
• To create awareness among people about digital economy and cashless modes of
transactions.
• To actively engage the youth/ students of Higher Education Institutions to encourage and
motivate all payers and payees to use a digitally enabled cashless economic system for
transfer of funds.

Launch year – 2016

Ishan Vikas
Objective: Under this program teachers and students from the northeast will be facilitated with an
interaction with the IITs, IIMs and IISERs in order to enhance their capacity, capability and their
desire to pursue technical education.

Coordinating institute

Launch year – 2014

Ishan Uday

Objective
• To provide scholarships to economically backward students from the northeast with
parental income below Rs.4.5 lakh per annum for undergraduate studies.
• 10000 scholarships would be provided annually

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Implementing agency

Launch year – 2014

Amount of scholarship

• Rs.5400 per month for General Degree courses

• Rs.7800 per month for Technical & Professional courses

Rashtriya Uchchatar Shiksha Abhiyan (RUSA)

Objective
• The scheme is aimed at providing strategic funds to eligible state higher educational
institutions to address the issues related to equity, access and excellence in higher
education

Launch year – 2013

Funding
• It is a centrally sponsored scheme
o Centre: States – 60:40
o Centre: Special category states – 90:10
o 100% funding for UTs
Components

• Creation of universities by conversion of colleges in a cluster

• Creation of universities by upgradation of existing autonomous colleges
• Faculty improvement and faculty recruitment support
• Infrastructure grants to colleges and universities
• Research, innovation and quality improvement

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Institutional Mechanism

National Mission Authority (NMA)

• Chairperson – Union education minister
• Functions
o Overall guidance and policy planning
o Allocation of funds
o Reviewing the implementation of the scheme

Project Approval Board (PAB)

• Chairperson – Secretary (higher education)
• Functions
o Examines and approves the state higher education plan
o Assessing the performance of states and institutions
o Approving the release of funds

RUSA resource centre

• It is a technical support run by Tata Institute of Social Sciences
• Its function is to provide all technical, logistical and managerial support to NMA and PAB

Bhuvan RUSA portal

• It is a portal for uploading geo – tagged photographs and associated details captured by
educational institutions as a part of implementation of RUSA funded works in states.

Pragati Scholarship Scheme for Girl Students

Objective
• The scheme is aimed at providing financial assistance to the girls pursuing technical
education

Launch year – 2014

Eligibility
• The girl should be admitted to first year of degree level course or in the second year of
degree level of course through lateral entry
• Maximum two girl child per family with family income not more than Rs.8 lakh per annum

Number of scholarships – 5000

Amount of scholarship
• Rs.50,000 per annum i.e. maximum 4 years for first year admitted students and maximum 3
years for second year admitted students

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Criteria of selection
• The selection will be carried out on the basis of merit of qualifying examination to pursue
the technical degree course from any of the AICTE approved institutions
• State/UT wise merit list will be prepared

Saksham scholarship scheme for specially

abled children
Objective
• The scheme is aimed at providing support to specially abled children to pursue technical
education

Launch year – 2014

Eligibility
• The candidate should be admitted to first year of degree course or second year of degree
course through lateral entry in any of the AICTE approved institutions
• Specially abled students having disability of not less than 40%
• Family income should not exceed Rs.8 lakh

Number of scholarships – All eligible specially – abled students will get the benefits

Amount of scholarship – Rs.50,000 per year

Scheme for Higher Education Youth in

Apprenticeship and Skills(SHREYAS)
Objective
• To provide industry apprenticeship opportunities to the general graduates through National
Apprenticeship Promotional Scheme (NAPS)
• To enhance the employability of students by providing on the job exposure and earning of
stipend

➢ This program is basket of three ministries which are Ministry of education, ministry of
skill development & Entrepreneur and ministry of labour and employment

Launch year – 2019

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Operation of the scheme

• The primary scheme will be operated in conjunction with National Apprenticeship Promotion
Scheme (NAPS) which provides for placing of apprentices up to 10% of the total work force
in every business/industry.
• The scheme is implemented by Skill Sector councils

Components of the scheme

• Add – on apprenticeship
o This component is for the students who are pursuing degree program
o The students are invited to choose a job role of their choice from a selected list of
apprenticeship job roles
o The programme would commence immediately after completion of the degree
programme (Starting from May each year).
o During the apprenticeship period, the student would get a monthly stipend of about
Rs. 6,000 per month by the industry.

• Embedded apprenticeship
o Under this approach, the existing B.Voc programmes would be restructured into B.A
(Professional), B.Sc (Professional) or B.Com (Professional) courses
o It would include not only educational input, vocational input, but also a mandatory
apprenticeship ranging from 6 to 10 months depending on the requirement of the
skill.
o Monthly stipend of Rs.6000 is provided by the industry.

• Linking National Career Services with colleges

o Under this, the National Career Service (NCS) portal of Ministry of Labour &
Employment would be linked with the Higher Education institutions.
o This would help students in institutions which do not have the facility of campus
recruitment and would improve their employment opportunities.

Financing
• Under the NAPS scheme, Central Government shares 25% of the stipend per month
subject to a maximum of Rs.1500 p.m during the period of the apprenticeship.
• Apart from that, an amount up to Rs.7500 will be met towards basic training cost, where
needed.

Target – It is proposed to cover 50 lakhs students by 2022

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NISHTHA – ‘National Initiative for School

Heads’ and Teachers’ Holistic Advancement’

Objective - Integrated teacher training for quality education

Coverage or beneficiaries
• 42 lakh teachers will be trained
• It covers:

All teachers and Heads of schools at the elementary level in all Government
schools.

Faculty members of SCERTs and DIETs

Block Resource Coordinators and Cluster Resource Coordinators in all States

and UTs.

Expected outcomes
The program will increase awareness among the teachers and help them develop their skills on
various aspects related to -

• Inclusive education
• Competency – based learning and testing
• Learning outcomes
• Learner – centered pedagogy
• Use of ICT in teaching – learning

Launch – 2019 under the centrally sponsored scheme ‘Samagra Shiksha’

Training staff

National Resource Persons identified by NCERT, NIEPA

etc.
Key Resource Persons and State Resource Persons
identified by states/UT

NISHTHA Beneficiaries

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NISHTHA 2.0 (Secondary Level) – online on DIKSHA for secondary/senior secondary level
teachers was launched on 29th July, 2021.
▪ The training program aims to cover around 10 Lakh Teacher and School Heads at
Secondary Level across all States and UTs.
▪ NCERT has developed a package including 13 Online Courses with 12 Generic modules
and 56 subject specific modules for NISHTHA 2.0

NISHTHA 3.0-Foundational Literacy and Numeracy in online mode on DIKSHA platform for
teachers and school heads of pre-primary to class V was launched on 7th September, 2021.
▪ The NISHTHA 3.0 – FLN envisions covering nearly 25 Lakh Teacher and School Heads at
Pre-Primary and Primary Level across all states and UTs.
▪ A special package consisting of 12 online modules have been developed by NCERT for this
purpose, as per the objectives of NIPUN Bharat Mission.

NISHTHA in news
• Ministry of Tribal affairs and NCERT have joined together for NISHTHA Capacity building
program for Eklavya Model Residential School teachers and principals.

NISHTHA capacity-building programme for Eklavya school:

• The Ministry of Tribal Affairs (MoTA) and the National Council of Educational Research and
Training (NCERT) recently collaborated on a joint mission for the NISHTHA capacity-
building programme for Eklavya school- teachers and principals.
o Under the programme, teachers and principals from 120 Eklavya Model Residential
Schools (EMRSs) from 3 States (Himachal Pradesh, Madhya Pradesh, and
Chhattisgarh) participated in the first batch of the programme.
o The participants were capacitated on 18 holistic and comprehensive modules
covering different aspects of education.
o The training was conducted in an online mode.

Impactful Policy Research in Social Science (IMPRESS)

Objective: The objective is to identify and fund research proposals in social sciences with
maximum impact on the governance and society.

Coverage:
Under this, 1500 research projects will be funded for 2 years.

Launch year – 2018 till March 2021

Funding – Rs.414 Crore

Implementing and monitoring Agency:

• The Indian Council of Social Science Research (ICSSR) has been entrusted with the task
of implementing and monitoring the scheme.

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Domains of the scheme

Some of the identified domains under the scheme are –

• State and democracy,
• Urban transformation,
• Media culture and society,
• Employment skills and rural transformation,
• Governance innovation and public policy,
• innovation,
• Agriculture and rural development,
• Social media and society,
• Politics law and economics.

STARS Project
Strengthening Teaching Learning and Results for states

Objective
• To support the states in developing, implementing, evaluating and improving interventions
with direct linkages to improved education outcomes
• The overall focus and components of the STARS project are aligned with the objectives of
National Education Policy (NEP) 2020 of Quality Based Learning Outcomes.
• To Improve overall monitoring and measurement activities in the Indian School Education
System through interventions in selected states.

Launch year – 2020

States covered
• Himachal Pradesh
• Rajasthan
• Maharashtra
• Madhya Pradesh
• Kerala
• Odisha
Funding
• Centrally sponsored scheme (Percentage share between centre and states has not been
announced)
• Total project cost – Rs.5718 Crore
• World bank funding – $500 million (Out of Rs.5718 Crore)

Components of the project

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• At National level
o To strengthen MOE’s national data systems to capture robust and authentic data on
retention, transition and completion rates of students.
o To support MOE in improving states PGI scores by incentivizing states governance
reform agenda through SIG (State Incentive Grants).
o To support the strengthening of learning assessment systems.
o To support MOE’s efforts to establish a National Assessment Center (PARAKH)

Unnat Bharat Abhiyan

Objectives
• To enable higher educational institutions to work with the people of rural India in identifying
development challenges and evolving appropriate solutions for accelerating sustainable
growth.
• To provide rural India with professional resource support from institutes of higher education
to address the development challenges through appropriate technologies.
Launch year – 2014

Major areas of intervention

• Human development
o Health
o Education and culture
o Values
o Skills and entrepreneurship

• Economic development
o Organic culture
o Water management and conservation
o Renewable energy sources
o Artisans and rural industries
o Development and harnessing of local natural resources
o Basic amenities
o E-support

Coverage
• It aims to link the Higher Education Institutions with at least (5) villages, to enable the
institutions contribute to the economic and social betterment of these village communities
using their knowledge base.
Working process
• Each selected institute would adopt a cluster of villages/panchayats and gradually expand
the outreach over a period.
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• The institutions will provide the knowledge and technology support to improve the
livelihoods in that village.

Coordinating Agency
• IIT Delhi has been designated to function as the National Coordinating Institute for this
program.

National Steering committee

• To provide a thrust in the implementation, a national steering committee was formed which
has the responsibility of leading the efforts by working with all the stakeholders.
• Chairman – Dr.Vijay Bhatkar

Unnat Bharat Abhiyan 2.0

• It was launched in 2018

• Phase 1 was the invitation mode in which participating institutions were invited to a part of
UBA
• Phase 2 is an ongoing challenge mode where all institutions are required to willingly adopt
at least 5 villages.

SWAYAM
Objectives
• Study Webs of Active Learning for Young Aspiring Minds (SWAYAM) is an indigenous IT
platform for hosting the Massive Open Online Courses (MOOCs).
• The objective is to take the best teaching learning resources to all, including the most
disadvantaged.
• It targets those students who could not complete their studies and professionals who wish
to upgrade their knowledge

Launch year – 2017

Working process
• This is done through an indigenous developed IT platform that facilitates hosting of all the
courses, taught in classrooms from 9th class till post-graduation to be accessed by anyone,
anywhere at any time.
• Professors of centrally funded institutions like IITs, IIMs, central universities will offer online
courses (free of cost).
• At the end of each course, there will be an assessment of the student through examination
and the marks/grades secured in this exam could be transferred to the academic record of
the students.
Developing Agency

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• It was indigenously developed by All India Council for Technical Education (AICTE) with the
help of Microsoft.

Swayam Prabha
• The Swayam Prabha is a group of 32 DTH channels devoted to telecasting of high-quality
educational programmes on 24X7 basis using the GSAT-15 satellite.

• The channels cover higher education, school education and assist the students (class 11th
& 12th) prepare for competitive exams.
• The contents are provided by IITs, UGC, IGNOU, NCERT and NIOS.

• Information and Library Network (INFLIBNET), an autonomous Inter-University Centre

(IUC) of UGC maintains the web portal.

• INFLIBNET is involved in creating infrastructure for sharing of library and information

resources and services among Academic and Research Institutions.

• It widens the scope of SWAYAM, an online education platform which covers teachers
training, graduate and post graduate courses.

Ek Bharat Shrestha Bharat

Objectives
• To CELEBRATE – the unity in Diversity of our nation
• To PROMOTE – the spirit of national integration
• To SHOWCASE – the rich heritage and culture, customs and traditions of either State
• To ESTABLISH – long-term engagement
• To CREATE – an environment which promotes learning between States by sharing best
practices and experiences

Launch year – 2015

Working process
• Each year, every State/UT would be paired with another State/UT in India for reciprocal
interaction between the people.
• Rashtriya Ekta Shivir (National Integration Camp) was organized to implement this
program.
• An indicative list of activities has been drawn up and circulated to the State Governments /
UT Administrations and to the key Central Ministries

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Global Initiative of Academic Networks (GIAN)

Objectives
• To increase the footfalls of reputed international faculty in the Indian institutes.
• To Provide opportunity to our faculty to learn and share knowledge and teaching skills in
cutting edge areas.
• To provide opportunity to our students to seek knowledge and experience from reputed
International faculty.
• To increase participation and presence of international students in the academic Institutes.

Launch year – 2015

Committees and coordinators

• GIAN Implementation Committee – headed by Secretary (HE), MHRD to finalize and
approve the GIAN implementation through courses and also decide on budget allocation.
• National coordinating institute – IIT Kharagpur

Impactful Research Innovation and

Technology (IMPRINT – India)
Objective
• To boost original scientific and technological research in the country.
• It will motivate technical institutions to conduct research in areas where the country is
heavily dependent on foreign technology.
• Institutions included – IITs and IISc

Launch year – 2015

Focus areas

• Health Care - IIT Kharagpur

• Computer Science and ICT – IIT Kharagpur
• Advance Materials – IIT Kanpur
• Water Resources and River systems – IIT Kanpur
• Sustainable Urban Design – IIT Roorkee
• Defence – IIT Madras
• Manufacturing – IIT Madras
• Nano-technology Hardware- IIT Bombay

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• Environmental Science and Climate Change – IISc, Bangalore

• Energy Security – IIT Bombay

Second phase of IMPRINT

• Launched in 2018
• Funds allocated – Rs.1000 Crore by Ministry of education

‘NIPUN Bharat’ Programme

What: The Department of School Education and Literacy, Ministry of Education launched National
Initiative for Proficiency in Reading with Understanding and Numeracy (NIPUN Bharat) on 5th
July, 2021.
• It is in line with the National Education Policy 2020, that was released on July 29, 2020.

Why: To cover the learning needs of children in the age group of 3 to 9 years (pre-school
(balvatika) to class 3)

• Objective: The vision of NIPUN Bharat Mission is to create an enabling environment to

ensure universal acquisition of foundational literacy and numeracy.
o By focusing that every child achieves the desired learning competencies in reading,
writing and numeracy by the end of Grade 3, by 2026-27.

• Duration: A five-tier implementation mechanism will be set up at the National- State-

District- Block- School level in all States and UTs, under the aegis of the centrally
sponsored scheme of Samagra Shiksha.

• Focus:
o providing access and retaining children in foundational years of schooling
o teacher capacity building
o development of high quality and diversified Student and Teacher
Resources/Learning Materials
o tracking the progress of each child in achieving learning outcomes

Swasth Bachche, Swasth Bharat

Introduction
• Swasth Bachche, Swasth Bharat (SBSB) was launched in 2017.
• The programme is an initiative of Kendriya Vidyalaya Sangathan (KVS) to prepare a
physical Health and Fitness Profile Card for more than 12 lakhs of Kendriya Vidyalaya
students.

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Objectives:
• Its main objective is to make students, teachers and parents aware about the importance of
good health and fitness and encouraging 60 minutes of play each day.
• It also intends to imbibe values of Olympics and Paralympics amongst students and
motivating potentially outstanding performers.

Diksha Portal
• DIKSHA (Digital Infrastructure for Knowledge Sharing) is a national platform for school
education.
• It is an initiative of Ministry of education and NCERT.
• It was launched in 2017
• It will serve as National Digital Infrastructure for Teachers.
• It will help teachers to create training content, profile, in-class resources, assessment aids,
news and announcement and connect with teacher community.
• States, government bodies and even private organisations, can integrate DIKSHA into their
respective teacher initiatives.

Margdarshan Initiative
➢ This scheme is an umbrella scheme for two initiatives viz; Share & Mentor Institution
Scheme (2016) and Margdarshak Scheme (2018)
Objective
• To improve the technical education as a whole with the help of two components viz;
Margdarshan Institutes and Margdarshaks
• To help technical institutes in India to get NBA accreditation.

Implementing agency

Launch year – 2019

Components

• Margdarshan institute (Mentor Institute)

o It should be a well - established AICTE approved institute.

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o These institutes have the objective of mentoring up to 10 nearby institutes in

achieving the NBA accreditation.

o The duration of nomination as an MI shall be for three years.

o The institution should be in existence for 15 years or more

o The council shall recognize an MI as “Protsahan Mitra” for successfully mentoring

the beneficiary institutes.
• Margdarshaks (MD)

o Senior academicians shall be nominated as Margdarshaks to act as individual

mentors to guide beneficiary institute to achieve the NBA accreditation and enhance
the quality of technical education.

o An MD shall be mapped with not more than 3 beneficiary institutes.

o Duration of nomination of an MD shall be 18 months (Initially) and additional 6

months if required.

o The council shall recognize an MD as “Sahyog Mitra” for successfully mentoring

beneficiary institutes.

Madhyamik and Uchchtar Shiksha Kosh

• The Madhyamik and Uchchtar Shiksha Kosh (MUSK) was approved by the cabinet in 2017
into which all secondary and higher education cess is being credited.
• It is a non-lapsable fund in the public account.
• Utilization of fund –

▪ For secondary education

o Ongoing Rashtriya Madhyamik Shiksha Abhiyan Scheme and other approved
program including: National Means-Cum-Merit Scholarship Scheme and National
Scheme for Incentives to Girls for Secondary Education.

▪ For higher education

o ongoing Schemes of Interest Subsidy and contribution for guarantee funds,
Scholarship for College & University Students
o Rashtriya Uchchtar Shiksha Abhiyaan
o Scholarship (from Block Grant to the institutions) and National Mission on
Teachers and Training

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Samagra Shiksha Scheme 2.0 (Updated)

What: The Cabinet Committee on Economic Affairs has given its approval for continuation of the
revised Samagra Shiksha Scheme for a period of five years i.e., from 2021-22 to 2025-26.

Why: It has been upgraded to align it with the Sustainable Development Goal for Education and
the new National Education Policy launched in 2020.

About Samagra Shiksha scheme for School Education

• The Union Budget of 2018-19 has announced that school education would be treated
holistically and without segmentation from pre-primary to class XII.
• Launched: The Ministry of Education has launched the Integrated Scheme for School
Education, Samagra Shiksha in 2018.
• Subsumed schemes: It was launched by subsuming the erstwhile Centrally Sponsored
Schemes of –
o Sarva Shiksha Abhiyan (SSA)
o Rashtriya Madhyamik Shiksha Abhiyan (RMSA) and
o Teacher Education (TE).

• It is an integrated scheme for school education covering the entire gamut from pre-school to
class XII.
• Coverage: It covers 1.16 million schools, over 156 million students and 5.7 million
Teachers of Government and Aided schools (from pre-primary to senior secondary level) by
involving all stakeholders of the school ecosystem.

Important Features of SSA2.0

▪ In order to enhance the direct outreach of the scheme, all child centric interventions will be
provided directly to the students through DBT mode on an IT based platform over a period
of time
▪ Provision of training of Master Trainers for training of Anganwadi workers and In-service
teacher training for Early Childhood Care and education teachers
▪ Provision of up to Rs.500 per child for Teaching Learning Materials (TLM), indigenous toys
and games, play based activities per annum for pre-primary sections in Government
Schools
▪ Support to NIPUN Bharat, provision of TLM up to Rs.500 per child per annum, Rs.150
per teacher for teacher manuals and resources, Rs 10-20 lakh per district for
assessment.
▪ Transport facility has been extended to secondary level at up to Rs.6000 per annum
▪ For out of school children at 16 to 19 years of age, support will be provided to SC, ST,
disabled children, up to Rs.2000 per child per grade to complete their secondary/senior
secondary levels through NIOS

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▪ Financial support for State Commission for Protection of Child Rights at Rs.50 per
elementary school in the state, for protection of child rights and safety.
▪ Additional Sports grant of up to Rs.25000 to schools in case at least 2 students of that
school win a medal in Khelo India school games at the National level
▪ Provision made for all Kasturba Gandhi Balika Vidyalayas to be upgraded to class XII
▪ Enhanced financial support for existing Stand-alone Girls' Hostels for classes IX to XII
(KGBV Type IV) of up to Rs.40 lakh per annum
▪ Training for 3 months for inculcating self-defence skills under 'Rani Laxmibai Atma
Raksha Prashikshan' and amount increased from Rs.3000 to Rs.5000 per month
▪ Provision of up to Rs.3500 per child with special needs, per year, studying in
government, government aided and local body schools for aids and appliances, teaching
material, home based education etc.
▪ Separate provision of stipend for (children with special needs) girls @ Rs.200 per
month for 10 months, in addition to student component from pre-primary to senior
secondary level
▪ Provision of annual identification camps for CWSN at block level @Rs. 10000 per camp
and equipping of Block Resource centres for rehabilitation and special training of CWSN
▪ Support for Social Audit covering 20% of schools per year so that all schools are covered in
a period of Five years
▪ Residential schools/hostels named Netaji Subhas Chandra Bose Avasiya Vidyalayas in
hilly terrain, small and sparsely populated areas for children without adult protection who
are in need of shelter and care

PM POSHAN Scheme
What: Cabinet Committee on economic affairs has approved the Continuation of National Scheme
for PM POSHAN (Mid-Day meal scheme)

• The scheme has been continued for a period of five years 2021-22 to 2025-26.
• Financial outlay
o Central government – Rs.54061.73 Crore
o State government – Rs.31,733.17 Crore
o Additional cost of about ₹ 45,000 crore on food grains will be borne by the centre.
o Total budget – Rs. 1,30,794.90 crore

About the Scheme

• Objective
o Improving nutritional levels among children
o Enhancing enrollment, retention and attendance of children
• Launch year – 1995 (As National Program of Nutritional Support to primary education)
o In 2004, it was relaunched as Mid-Day Meal scheme.
• Ministry – Ministry of Education

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• Coverage – All children (Classes I to VIII) enrolled in government, government-aided,

local body schools, special training centres, Madrasas and Maktabs supported under SSA.
• Funding – Centrally sponsored scheme (60:40)

Calories Primary Upper Primary

Energy 450Cal 700Cal
Protein 12g 20g

New Changes
• The scheme will be extended to students studying in pre-primary or Bal Vatikas of
Government and Government-aided primary schools.
• Tithibhojan will be encouraged extensively.

o TithiBhojan is a community participation programme in which people provide special food to

children on special occasions/festivals.
• Social Audit of the scheme is made mandatory in all the districts.
• Involvement of Farmers Producer Organizations (FPO) and Women Self Help Groups in
implementation of the scheme will be encouraged.
• Special provision for providing supplementary nutrition items to children in aspirational
districts and districts with high prevalence of Anaemia

Scheme for Protection and Preservation of

Endangered Languages
What: The scheme for protection and preservation of endangered languages is being
implemented by ministry of education.

About the scheme

• Objective – To protect, preserve and document all the mother tongues/languages of India
spoken by less than 10,000 people which are called endangered languages.
• Launch year – 2013
• Ministry – Ministry of education
• Nodal agency – Central Institute of Indian Languages, Mysuru
• In the first phase, 117 endangered languages/mother tongues have been chosen for study
and documentation

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New India Literacy Program (Updated March 2023)

• Objective – To impart foundational literacy and numeracy, critical life skills, vocational
skills, basic and continuing education.
• Launch year – 2022 (FY2022 to FY2027)
• Eligibility – All illiterates of age 15 years and above in all states and UTs
• Target – 5 Crore learners at 1 Crore per year
• The training will be provided through Online Teaching, Learning and Assessment System
(OTLAS) in collaboration with NIC, NCERT and NIOS
• Outlay – Rs.1037.90 Crore (Centre share – Rs.700 Crore)
• Priority –
▪ Girls and women
▪ SC/ST/OBC/Minorities
▪ Persons with Special Needs (Divyangjans)
▪ Marginalized/ Nomadic/ construction workers/ laborers/etc
• Five components:
▪ Foundational Literacy and Numeracy
▪ Critical Life Skills
▪ Vocational Skills Development
▪ Basic Education
▪ Continuing Education

National Means cum Merit Scholarship

• Objective – To award scholarships to meritorious students of economically weaker
sections to arrest their drop-out at class VIII and encourage them to continue their
education at secondary stage
• Launch year – 2008
• Eligibility
o Parental income from all the sources should not be more than Rs.3.5 Lakhs
o Minimum 55% marks in class 7th
o Student should be studying in government, government aided and local body
schools
• Amount of scholarship – Rs.12000 per student per annum
• Number of scholarships – One lakh fresh scholarship every year to selected students of
class IX
• Financial outlay for continued scheme – Rs.1870 Crore

Bhasha Sangam Initiative

• Objective – To inculcate basic conversational skills among people in an Indian
language other than their mother tongue.
• Launch year – 2021
• Ministry – Ministry of education
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• It has been launched Ek Bharat Shreshta Bharat Scheme

Initiatives under Bhasha Sangam

• Bhasha Sangam Initiative for Schools

o Developed by NCERT
o Available on DIKSHA, e-Pathshala and 22 booklets.
o 100 sentences in 22 scheduled languages have been developed in Devanagari
script, in Roman script and translations into Hindi and English
o Learners in school will be able to get acquainted with all the languages-their
scripts, pronunciation

• Bhasha Sangam Mobile App

o This is an initiative of Department of higher education in collaboration with

MyGOV.
o This app has been developed by a start-up – “Multibhashi”
o It consists of 100 sentences in 22 languages

PM SHRI Schools
What: The union cabinet has approved a new centrally sponsored scheme – PM SHRI Schools
(PM ScHools for Rising India)

Tell me More

About the Scheme

• Objective
▪ Development of more than 14500 schools across the country as PM SHRI Schools
▪ It will be done by strengthening select existing schools being managed by Central
Government/ State/ UT Government/ local bodies.
▪ The schools will showcase all components of the National Education Policy 2020, act
as exemplar schools and also offer mentorship to other schools in their vicinity

• Ministry – Ministry of education

• Total outlay – Rs.27360 Crore which includes a central share of Rs. 18128 Crore
• Period of implementation – Five years (2022-23 to 2026-27)
• Selection of the schools
▪ It will be done through Challenge Mode where in Schools compete for support to
become exemplar schools.
▪ Schools would be required to self-apply on the online portal.
▪ The portal will be opened four times a year, once every quarter, for first two years of
the scheme

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▪ The Elementary schools & the Secondary/ Sr. Secondary Schools managed by
Centre/State/UT Governments / local self-governments having UDISE+ code would
be considered for selection under the Scheme.
▪ Maximum two schools (one Elementary & one Secondary/Senior Secondary) would
be selected per block/ULB.
▪ Geo-tagging of schools for the selection and monitoring of PM SHRI schools will be
done. The services of Bhaskaracharya National Institute for Space Applications and
Geo-informatics (BISAG-N) will be taken for geo-tagging.

• Beneficiaries – More than 18 lakh students are expected to be direct beneficiaries of the
scheme

Football4Schools initiative
What: Union Ministry of Education has signed MoU in with FIFA and All India Football Federation
for launching ‘Football4Schools’ initiative in India.

Why: To empower 25 million young boys and girls in India through sports-integrated learning.

Tell me more

• National Education Policy (NEP) 2020 has given emphasis on mainstreaming of sports with
education.
• Football 4 Schools program espouses the spirit of NEP2020 by using Football as a positive
tool to inspire children and ensure their holistic development.

Benefits of Football4Schools initiative

• Empower learners (boys and girls) with valuable life skills and competencies
• Empower and provide coach-educators with the training to deliver sport and life-skills
• Build the capacity of stakeholders (Schools and public authorities) to deliver training in life
skills through football.
• Strengthen cooperation between governments and participating schools to enable
partnerships, alliances and intersectoral collaboration.

PM YUVA 2.0
What: The 2nd edition of PM’s Scheme for Mentoring Young Authors (PM YUVA) has been
launched by ministry of education

Tell me More

• Objective – It is an author mentorship program to train young and budding authors in order
to promote reading, writing and book culture in the country
• Launch year – The first edition was launched in 2021
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• Eligibility – Any young author who is below 30 years of age

• In the second edition, total 75 authors will be selected
• A consolidated scholarship of Rs. 50,000 per month for a period of six months per author is
to be paid under the mentorship scheme.
• The books written by selected authors will be published by National Book Trust

Pandit Madan Mohan Malaviya National Mission

on Teachers & Teaching
• Objectives
▪ To provide quality teachers in schools and colleges, attract talented people in the
education sector and improve quality in teaching.
▪ To set the teaching standard so that an organized cadre of professional teachers can be
created.
▪ To develop innovative teaching method and high-level institutional facilities in all the
constituent areas of education.
• Launch Year: 2014.
• Implementing Ministry: Ministry of Education.
• Duration: 2014-2020.
• Outlay: Rs. 900 Crore for over the XII Plan.
• It is Central Sector Scheme.
• It comprehensively addressed all issues related to teachers, teaching, professional
development, curriculum design, and developing assessment & evaluation methodology,
research in developing effective Pedagogy.
• It is focused on Integrated Teacher education programmes to cater to the professional
development needs for both pre-service and in-service teachers & faculty.

Ministry of Finance

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Stand Up India (Updated)

Objective
To provide bank loans ranging from Rs.10 lakhs to Rs.1 crore to at least one SC or ST borrower
and at least one-woman borrower per branch for setting up of a greenfield enterprises.
• In case of group enterprises, at least 51% of the shareholding should be held by either an
SC/ST or Women entrepreneur.
Eligibility
• Age above 18 years
• Loan available only for greenfield projects
• Borrower should not be defaulter.

Launch year – 2016 (125th Birth Anniversary of Dr. B.R. Ambedkar)

• The scheme has been extended till 2025

Salient features
• Operated by all the branches of scheduled commercial banks of India.
• Rate of interest should not exceed MCLR + 3% + tenor premium.
• Margin Money requirement for loans – Up to 15%
o Margin Money – Money contributed by the beneficiary in the project.
• Borrowers’ contribution shall be minimum 10%
• New activity included (in 2021) – Agriculture and allied activities.
• Security – Besides primary security the loan may be secured by collateral security or
guarantee of credit guarantee fund scheme as decided by the banks
• The loan is repayable in 7 years with a maximum moratorium of 18 months.
• Rupay debit card will be provided to the borrower
• A portal has been created by SIDBI for effective implementation of the scheme

Gold Monetisation Scheme (Updated)

❖ This scheme includes revamped gold deposit scheme and revamped gold metal loan
scheme.
Objective
• The GOI wants to mobilize the gold held by households and institutions in the country and
to fish out accumulated gold lying idle with households and institutions.
• The long-term objective is to reduce the country's reliance on the import of gold to meet
domestic demand.

Launch year – 2015

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Designated banks
• All scheduled commercial banks excluding RRBs

Gold deposit account

• Deposits can be done in any physical form – jewellery, coins or bars.

Tenure
• Short term: 1 to 3 years (Deposits are allowed for broken periods. For ex – 1 year 3
months, 2 years 5 months 3 days etc.)
• Medium term: 5 to 7 years (Broken period is allowed)
• Long term: 12 to 15 years (Broken period is allowed)

➢ The principal on short term, medium term and long term shall be denominated in
gold. However, the interest shall be calculated in Indian Rupees with reference to the
value of gold at the time of deposit

Eligible depositors

• Resident Indians
o Individuals, HUFs, Proprietorship & Partnership firms, Trusts including Mutual
Funds/Exchange Traded Funds registered under SEBI (Mutual Fund) Regulations,
Companies, charitable institutions, Central Government, State Government or any
other entity owned by Central Government or State Government.

Deposits of gold
• At Collection and Purity Testing Centre (CPTC) certified by BIS and notified by central
government.
• Designated bank branches (To be decided by banks)
• Minimum deposit – 10 grams No maximum limit

Rate of interest
• Short term – Designated banks are free to decide the rate of interest.
• Medium term – 2.25%
• Long term – 2.50%

Lock – In period
• Medium term – 3 years
• Long term – 5 years

What government will do of this deposited gold?

• Under short term deposits accumulated gold can be used to maintain SLR

pg. 59
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• Under medium and long term deposit, the gold received are auctioned by the notified
agencies and sale proceeds are credited to government’s accounts with RBI

PM Suraksha Bima Yojana

Objective: Providing accidental insurance to the weaker sections of society.

Launch year – 2015

Eligibility
• Any citizen of Age between 18 and 70 years
• Bank account linked with Aadhar Card
• Insurance holder has to give consent to join and enable auto debit on or before 31 st May.
• Name of nominee to be provided in the form

Premium – Rs.20 per annum

Risk Coverage
• Rs.2 Lakh for accidental death
• Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot – Rs.1
Lakh.
• Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight
of one eye and loss of use of hand or foot - Rs 2 Lakh
• It is not a Mediclaim, that is, there is no provision for reimbursement of hospitalisation
expenses following accident, resulting in death or disability.

PM Jeevan Jyoti Bima Yojana

Objective: Life Insurance scheme

Launch year – 2015

Eligibility

• Any citizen of Age between 18 and 50 years

• Bank account linked with Aadhar Card
• Insurance holder has to give consent to join and enable auto debit on or before 31 st May.
• Name of nominee to be provided in the form

pg. 60
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Premium – Rs.436 per annum

Benefit – Life cover of Rs.2 lakhs

Implementation - Offered by Life Insurance Corporation and all other life insurers who are
willing to join the scheme and tie-up with banks for this purpose.

Converged PMJJBY/PMSBY

• Since 2017, Aam Aadmi Bima Yojana (entire scheme) has been transferred to Ministry of
Labour and Employment from Department of Financial Services, Ministry of Finance.
• Benefits and premium are paid by the Ministry of Finance for converged schemes.
• Existing beneficiaries of AABY were divided into two groups – first group from 18 years to
50 years and second group from 51 to 59 years of age.
• First group is merged under both the schemes and the second group will continue in the
existing format of AABY.
• Annual premium under Converged PMJJBY/PMSBY will be Rs.456(436+20)
• Implementing agency – Life Insurance Corporation of India

Sovereign Gold Bond Scheme (Updated)

Objective
• For substituting physical gold with bond with a fixed interest rate.
• SGBs are government securities issued by RBI, denominated in grams of gold.
• Investors have to pay issue price in cash and the bonds will be redeemed in cash after
maturity.

Launch year – 2015

Eligibility
• Persons resident in India as defined under FEMA 1999
• Eligible investors include individuals, HUFs, trusts, universities and charitable institutions.
• A minor can also invest (application has to be made by his or her guardian)
• Joint holding is also allowed.

Limits of holding
• Minimum – 1 gram
• Maximum – 4 kg for individuals and Hindu Undivided Families, 20 kg for trusts and
universities.

Rate of interest – 2.50% per annum

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Tenure – 8 years, early redemption is allowed after 5th year from the date of issue.

Selling agencies
• Nationalised Banks
• Scheduled Private Banks
• Scheduled Foreign Banks
• designated Post Offices
• Stock Holding Corporation of India Ltd. (SHCIL)
• Authorised stock exchanges

Other features of the bond

• Joint holding is allowed; Minor can also apply through his/her guardian
• TDS is not applicable
• Bonds can be held in de-mat form
• Bonds are tradable
• SGBs can be used as a collateral for loans
• Rs.50 per gram discount will be given to online investors

PM Jan Dhan Yojana

Objective
• To ensure access to financial services, namely, Banking/ Savings & Deposit Accounts,
Remittance, Credit, Insurance, Pension in an affordable manner.
• To tie every Indian in the rural or urban sector to the mainstream banking system.

Launch year – 2014

Benefits:
• No minimum balance
• Rupay debit card is provided
• Accident Insurance Cover of Rs.1 lakh (enhanced to Rs.2 lakh to new PMJDY accounts
opened after 28.8.2018).
• Life Insurance Cover of Rs.30,000 to EWS PMJDY account holders who opened their
account for the first time between 15.8.2014 to 31.1.2015 is available.
• An overdraft facility up to Rs. 10,000 to eligible account holders is available.
o Age limit for availing OD facility – 18 to 65 years
• PMJDY accounts are eligible for the following benefits:
o Direct Benefit Transfer (DBT)
o Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
o Pradhan Mantri Suraksha Bima Yojana (PMSBY)
o Atal Pension Yojana (APY)
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o Micro Units Development & Refinance Agency Bank (MUDRA) scheme.

Phases

First Phase: (August 2014 – August 2015):

Focused on opening basic bank accounts and RuPay debit card with inbuilt accident insurance
cover of Rs.1 lakh.

Second Phase: (August 2015 – August 2018):

To provide micro-insurance to the people and pension schemes to unorganized sector workers
through Business Correspondents.

Third Phase: (Beyond August 2018):

• It will focus on opening accounts from "every household to every adult".
• Existing Over Draft (OD) limit of Rs 5,000 to be raised to Rs.10,000.
• There will be no conditions attached for over-draft of up to Rs.2,000.
• Age limit for availing OD facility to be revised from 18-60 years to 18-65 years.
• The free accident insurance cover for those opening Jan Dhan accounts has been doubled
to Rs.2 lakh.

Jan Dhan Darshak App

• A mobile application was launched to provide a citizen centric platform for locating banking
touch points such as bank branches, ATMs, Bank Mitras, Post Offices, etc. in the country.
• Over 8 lakh banking touchpoints have been mapped on the GIS App.

Pradhan Mantri Garib Kalyan Package (PMGKP) for PMJDY Women: Under PMGKP, a total of
Rs. 30,945 Crore have been credited in accounts of women PMJDY account holders during
COVID lockdown.

Pradhan Mantri MUDRA yojana (Updated)

Objective: To fund the unfunded for promotion of entrepreneurship.

Eligibility: Any Indian citizen who has a business plan for a non – farm business income
generating activity.

Launch year – 2015

Loans given by – Scheduled commercial banks, RRBs, small finance banks, NBFCs, micro
finance institutions etc.

Activities for which loan is provided – For income generating activities in manufacturing,
trading and services sectors and for activities allied to agriculture
pg. 63
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MUDRA Card – It is a RuPay debit card which can be used for drawing cash from ATM or
Business Correspondent or make purchase using Point of Sale (POS) machine.

MUDRA MITRA App – It guides a loan seeker to approach a Banker in availing MUDRA loan
under PMMY

Types of loans provided

• Shishu – up to Rs.50,000
• Kishore – Above 50,000 and up to 5 lakhs
• Tarun – Above 5 lakh and up to 10 lakhs
o Loans are collateral free

Interest Rate – As per the policy decision of the bank

MUDRA Bank
• Micro Units Development Refinance Agency was established under Companies act 2013 as
a NBFC.
• Location – Mumbai
• Parent organisation – SIDBI
• It is a refinance agency which provides loans to MFIs and NBFCs which then provide credit
to MSMEs

PM Vaya Vandana Yojana (Updated)

Objective: To protect elderly persons against a future fall in their interest income due to uncertain
market conditions and to provide social security during old age.
• The social security shall be provided through an assured pension which will be given to the
beneficiaries on purchase of a policy

Launch year – 2017 (till 31st March 2023)

Age Criteria – 60 years and above

Tenure: The tenure of policy is set at 10 years.

Implementing Agency

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Mode of pension payment: The modes of pension payment are monthly, quarterly, half-yearly or
yearly.

Premature withdrawal
• Premature withdrawal is possible in case the money is required for the treatment of terminal
or critical illness of the person or spouse.
• On such premature exit, 98% of the Purchase Price shall be refunded.

Loan facility
• Loan facility is available after completion of 3 policy years.
• The maximum loan that can be granted shall be 75% of the Purchase Price.

Other benefits: The scheme is exempted from Goods & Services Tax (GST).

Maturity benefit: If the pensioner survives till the end of the policy term of 10 years, purchase
price of the annuity along with final pension installment will be payable to the policyholder.

Death benefit: If the pensioner dies during the policy term of 10 years, the purchase price of the
annuity scheme will be refunded to the beneficiary.

Rate of Return – 7.40% per annum

Pension
• Minimum pension: Rs.1000 per month
• Maximum pension: Rs.9,250 per month

Atal Pension Yojana

Objective – Pension benefit scheme for providing old age income security to the citizens of India,
especially the poor, the under-privileged and the workers in the unorganised sector

Launch year – 2015

Eligibility
• Age - Minimum – 18 years Maximum – 40 Years
• Bank account linked with Aadhar card

Exception - If a member of any other social security scheme opens his APY account then
government Co – Contribution will not be provided.

Contribution

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• Rs.1000 as pension - Rs.42

Entry at 18 years • Rs.5000 as pension - Rs.210
• Rs.1000 as pension - Rs.291
Entry at 40 years • Rs.5000 as pension - Rs.1454

• Central government’s contribution - 50% of the subscriber’s contribution up to Rs. 1000 per
annum for a period of 5 years, i.e. from 2015-16 to 2019-20. This will be given to who joins
the scheme between the period 1st June, 2015 to 31st March, 2016

Pension Amount - Minimum – Rs.1000 Maximum – Rs.5000

Pension fund manager

On death of the subscriber

Death before 60 years of age

Spouse can continue the

scheme by contributing The entire accumulated
the amount till the original corpus till date will be
subscriber would have returned to the spouse or
attained the age of 60 nominee
years
Death After 60 years of Age

After the death of both

subscriber and spouse,
Pension will be given to
the nominee will
the spouse
receive the
accumulated funds

pg. 66
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Pradhan Mantri Garib Kalyan Yojana

There are two schemes with this name, one announced in 2016 and the another announced in
2020.

Pradhan Mantri Garib Kalyan Yojana 2016

Launch year – 2016

Objective
• It was an income declaration scheme to allow tax evaders to come clean with unaccounted
wealth.
• It provided for 50% tax and surcharge on declarations of unaccounted cash deposited in the
bank.

Pradhan Mantri Garib Kalyan Package 2020

Launch year – 2020

• It was announced in March 2020 to provide relief to the poor in their fight against Corona
virus.

Important announcements

• Insurance scheme for health workers

o Any health professional, who while treating Covid-19 patients, meet with some
accident, then he/she would be compensated with an amount of Rs 50 lakh
under the scheme.
o Under this scheme approximately 22 lakh health workers would be provided
insurance cover to fight this pandemic.

• Benefit to farmers
o The first instalment for 2020 – 21 was provided in April 2020 under PM Kisan yojana.
o 8.7 Crore farmers were covered under this.

• Cash Transfers
o A total of 20.40 Crore women PMJDY account holders were provided Rs.500 per
month till June 2020.

• Gas cylinders
o Gas cylinders, free of cost were provided to 8 Crore families.

• Support to wage earners in organised sectors

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o For wage earners below 15000 per month salary in business having less than 100
workers, government provided 24% of their monthly wages into their PF accounts till
June 2020

• Support to senior citizens, Divyangs and widows

o Government provided Rs.1000 till June 2020

• MGNREGA
o Wages were increased by Rs.20
o Later government also provided Rs.40,000 Crore for the MGNREGA scheme.

• Self Help Groups

o Limit of collateral free loans to SHGs was increased from Rs.10 Lakh to Rs.20 Lakh

• PF beneficiaries
o EPF regulations was amended under which PF beneficiaries were allowed non-
refundable advance of 75% of the amount or 3 months of wages whichever is lower,
from their accounts.

• Building and other construction workers welfare fund

o Welfare fund for building and other construction workers was created to provide
assistance to these workers to protect them against economic disruptions.

• PM Garib Kalyan Ann Yojana (UPDATED)

o Food grains were provided under this scheme to approximately 80 Crore individuals.
o Each individual was provided double of their entitlement till November 2020.

UPDATE:
• Phases of the scheme
o Phase 1 – April to June 2020
o Phase 2 – July to November 2020
o Phase 3 – May to June 2021
o Phase 4 – July to November 2021
o Phase 5 – December 2021 to March 2022
o Phase 6 – April 2022 to September 2022
o Phase 7 – October 2022 to December 2022
• Food subsidy for 5th phase – Rs.53344.52 Crore
• In all the phases together, government has allocated Rs.2.07 Lakh Crore

Swabhimaan – Campaign
Objective
• To bring banking within the reach of the masses of the Indian population.

pg. 68
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• To enables small and marginal farmers to obtain credit at lower rates from banks and other
financial institutions.
• To ensure that the benefits of economic growth reach everyone at all levels.
• To empower people to achieve their own goals through enhancing their financial
capabilities.
• It aims to ensure banking facilities in habitation with a population in excess of 2000 by
March 2012.

Launch year – 2011

Implementing agency – Indian Banks' Association (IBA)

Working Methodology
• Under this plan, Banks will select business correspondents (Bank Saathi).
• They will act as intermediaries between the rural people and the banks.
• Banks provide basic services like deposits, withdrawals and remittances using the services
of Business Correspondents (BCs) also known as Bank Saathi.

Swachh Bharat kosh

Objective
• The fund seeks channelization of philanthropic contributions and Corporate Social
Responsibility (CSR) funds.
• The fund will be used for-
o bringing out innovative / unique projects and girl toilets will be the priority area to start
with.
o Construction of community/individual toilets in rural areas, urban areas, in government
schools and in anganwadis.
o Construction activity for water supply to the constructed toilets.
o improving solid and liquid waste management.
o Facilitating maintenance of constructed toilets

Launch year – 2014

Bank account and receipt of contribution – Contributions from companies and philanthropists
shall be received in a single bank account opened in the State Bank of India

Governing council – The fund is being administered by a governing council headed by secretary
in department of expenditure, ministry of finance.

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Tejaswini Scheme
Objective
• It is the scheme for the socio-economic empowerment of Adolescent Girls and Young
women aged between 14 and 24.
• The objective of this project is to improve the completion of market-driven skills training
and secondary education for adolescent girls and young women.

Launch year – 2016

• The closing date for the project is 30th June 2021.

Selected districts – The scheme is operational in select 17 districts of Jharkhand

Number of beneficiaries – It is expected to benefit around 680,000 adolescent girls and young
women in the project.

Components of the scheme

(i) Expanding social, educational and economic opportunities
(ii) Intensive service delivery
(iii) State capacity-building and implementation support.

External funding
• In the year 2017, India signed financing agreement worth $US 63 million with World Bank
for funding of this scheme

National Pension System

Objective: It is a pension cum investment scheme to provide old age security to citizens of India.

Regulator

Assets owned by – National Pension System Trust

Launch year – 2004

• Initially it was launched for government sector employee but from 2009, it was opened for
all the citizens of India.

pg. 70
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Eligibility
• Any citizen of India (both resident and non – resident).
• Age group – 18 to 70 years
• NPS account cannot be operated jointly.

Types of account
• Tier 1 account
o It is a mandatory retirement account.

• Tier 2 account
o It is a voluntary saving account.
o Subscriber who has an active tier 1 account can open tier 2 account.
o NRI can’t activate tier 2 account
o Subscriber is free to withdraw any amount at any point of time from the account.

Minimum contribution
• Under tier 1 account
o Minimum amount per contribution – Rs.500
o Minimum contribution per financial year – Rs.1000

• Under tier 2 account

o Minimum amount per contribution – Rs.250

Exit from NPS

Category Premature exit/ Exit on 60 years of Unfortunate

Voluntary age/Superannuation Death (Before
Retirement 60 Years/
Superannuation)
Government Complete Complete withdrawal – if Complete
Sector withdrawal – if the the corpus is equal to or withdrawal to
corpus is equal to below Rs.5 Lakhs nominees – if the
or below Rs.2.5 corpus is equal to
Lakhs If the corpus is higher or below Rs.5
than Rs.5 Lakhs, at least Lakhs
If the corpus is 40% of the accumulated
higher than Rs.2.5 wealth has to be utilized If the corpus is
Lakhs, at least for purchase of an higher than Rs.5
80% of the annuity. Balance 60% is Lakhs, at least
accumulated paid as lumpsum to the 80% of the
wealth has to be subscriber accumulated
utilized for wealth has to be
purchase of an In case of death after utilized for
annuity for 60years/Superannuation, purchase of an
pg. 71
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monthly pension. 60% will be paid to annuity. Balance

Balance 20% is nominees and 40% for 20% is paid as
paid as lumpsum default annuity by lumpsum to
to the subscriber dependents nominee

Non- 5 years Complete withdrawal – if The entire

Government Mandatory the corpus is equal to or accumulated
Sector subscription below Rs.5 Lakhs pension wealth of
the subscriber
Complete If the corpus is higher payable to the
withdrawal – if the than Rs.5 Lakhs, at least nominee if the
corpus is equal to 40% of the accumulated subscriber dies
or below Rs.2.5 wealth has to be utilized before or after
Lakhs for purchase of an attaining 60
annuity years.
If the corpus is
higher than Rs.2.5 In case of death after 60
Lakhs, at least years/superannuation,
80% of the lump sum is paid to the
accumulated nominees
wealth has to be
utilized for
purchase of an
annuity for
monthly pension

Withdrawal under tier 1 account

• Subscriber should be in NPS at least for 3 years
• Withdrawal amount will not exceed 25% of the contributions made by the Subscriber
• Withdrawal can happen maximum of three times during the entire tenure of subscription.
• Withdrawal is allowed only against the specified reasons, for example;
o Higher education of children
o Marriage of children
o For the purchase/construction of residential house (in specified conditions)
o For treatment of Critical illnesses
How it works?
• Upon successful enrolment, a Permanent Retirement Account Number (PRAN) is allotted to
the subscriber under NPS.
• Under the NPS, individual savings are pooled into a pension fund
• This pension fund is invested by PFRDA-regulated professional fund managers
• The investment is done into diversified portfolios comprising government bonds, bills,
corporate debentures and shares.

pg. 72
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• These contributions would grow and accumulate over the years, depending on the returns
earned on the investment made.

SWAMIH Fund
• It was announced in 2019 as an Alternative Investment Fund to revive affordable and
middle-income housing projects across the country.
• Initial corpus – Rs.25000 Crore (10000 from government, rest is from SBI and LIC)
• Ministry – Ministry of Finance
• Fund manager – SBICAP ventures limited
• Target: Since its launch, it has already completed 20,557 houses
▪ It seeks to complete over 81,000 homes in the next 3 years across 30 tier 1 and 2
cities
• Eligible projects – All affordable and middle- income housing projects that are–
▪ Net worth positive
▪ Registered within RERA
▪ Not been deemed liquidation worthy
• Funding procedure – The money is provided in Escrow accounts that can be used only for
the completion of identified projects.

Expansion of Emergency Credit Line Guarantee Scheme

• Launch: ECLGS was rolled out in May 2020 as part of the Centre’s Atmanirbhar package
in response to the Covid-19 crisis.

• Objective: The objective was to support small businesses struggling to meet their
operational liabilities due to the imposition of a nationwide lockdown.

• Nodal agency: The 100% guarantee is provided by the National Credit Guarantee Trustee
Company (NCGTC), Ministry of Finance to –

o Member Lending Institutions (MLIs) in the form of additional working capital term
loan facility
o Scheduled Commercial Banks (SCBs) and Financial Institutions (FIs) in the form of
non-fund based facility
o Non-Banking Financial Companies (NBFCs) in the form of additional term loan
facility

• The aforementioned loans will be provided to the eligible MSMEs/ Business Enterprises,
individual borrowers in case of the original loan having been for own business and
interested Pradhan Mantri Mudra Yojana (PMMY) borrowers.

pg. 73
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ECLGS 1.0:
• Coverage and facilities: To provide fully guaranteed and collateral free additional credit to
MSMEs, business enterprises, MUDRA borrowers and individual loans for business
purposes to the extent of 20% of their credit outstanding as on 29th February 2020.

•Eligible MEMEs: MSMEs with up to Rs 25. crore outstanding and Rs. 100 crore turnovers
were eligible.
▪ However, the turnover cap was removed post amendment to ECLGS 2.0 in
November 2020.
ECLGS 2.0:
• Coverage: The amended version focused on entities in 26 stressed sectors identified by
the Kamath Committee along with the healthcare sector with credit outstanding of more
than Rs. 50 crore and up to Rs. 500 crores as of 29th February 2020.
• The revised scheme has a five-year repayment window up from four years in ECLGS 1.0.

ECLGS 3.0:
• Credit outstanding: It involves extending credit of up to 40% of total credit outstanding
across all lending institutions as on 29th February 2020.
• Tenor of loans: The tenor of loans granted under ECLGS 3.0 would be 6 years, including a
moratorium period of 2 years.
• Coverage: Covers business enterprises in Hospitality, Travel & Tourism, Leisure &
Sporting sectors-
▪ Which had, as on 29th February 2020,
▪ Total credit outstanding not exceeding Rs. 500 crore and overdues, if any, were for
60 days or less.

ECLGS 4.0:
• To mitigate the continuing adverse impact of pandemic, the government has extended the
scope of ECLGS scheme from time to time through introduction of ECLGS 2.0, 3.0 and now
4.0.
• On May 30, 2021, the government has announced the following measures:
• Guarantee cover for setting up on-site oxygen generation plants: 100% guarantee
cover to loans up to Rs.2 crore to hospitals/nursing homes/clinics/medical colleges for
setting up on-site oxygen generation plants, interest rate capped at 7.5%.
• Extension in validity of ECLGS scheme: Additionally, the validity of ECLGS scheme has
also been extended by 3 months i.e., till September 30, 2021 from June 30, 2021 or till Rs 3
lakh crore is sanctioned. Disbursements are allowed till December 31, 2021.

pg. 74
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Note: The union cabinet has approved the enhancement in the limit of Emergency Credit Line
Guarantee Scheme (ECLGS) by Rs.50,000 crore from Rs.4.5 Lakh crore to Rs.5 Lakh crore

India Infrastructure Project Development Fund Scheme

• Objective: To provide financial Support for project development expenses of PPP Projects.
• It will provide necessary support to Project Sponsoring Authorities (PSAs), both in the
Central and State Governments.
• This will be done by extending financial assistance in meeting the cost of transaction
advisors and consultants engaged in the development of PPP projects.
• Launch year – 2022
• Funding: It is a Central Sector Scheme.
▪ Central Sector Schemes are 100% funded by the Union government and implemented
by the Central Government Agency.
• Total outlay: Rs.150 crore (for a period of 3 years from 2022-23 to 2024-25)
• Funding under this scheme is in addition to the already operational Scheme for Financial
Support to PPPs in Infrastructure (VGF Scheme).
▪ It will support infrastructure projects undertaken through PPP mode that are
economically justified but commercially unviable.

Electoral Bond Scheme

• Objective: To cleanse the system of political funding in the country and bring transparency
to it.
pg. 75
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• Launch Year: 2018

• Electoral Bond: It is bearer instrument in the nature of a Promissory Note and an interest
free banking instrument.
• Eligibility: It can be purchased only by citizen of India or body incorporated or established
in India.
▪ Individual Person can buy Electoral Bonds, either singly or jointly with other individuals.
• Issue Price: It can be issued/purchased for any value, in multiples of Rs. 1,000, Rs.
10,000, Rs. 1,00,000, Rs. 10,00,000 and Rs. 1,00,00,000.
• Beneficiary: Only the Political Parties can receive electoral bonds that have been
▪ Registered under Section 29A of the Representation of the People Act, 1951 (43 of
1951)
▪ Secured not less than 1% of the votes polled in the last General Election Lok
Sabha/State Legislative Assembly.
• Electoral Bond deposited by an eligible Political Party in its account will be credited on the
same day.
• Issuing Bank: State Bank of India has been authorised to issue and encash Electoral
Bonds through its 29 Authorized Branches.
• Encashment: Electoral Bonds can be encashed by an eligible Political Party only through a
Bank account with the Authorised Bank.
• Validity: Electoral Bonds is valid only for 15 days from the date of issue

Sukanya Samridhi Yojana (Updated)

Objective
• To ensure a bright future for the girl child by facilitating their education and marriage
expenses.

Launch year – 2015 (as part of Beti Bachao Beti Padhao)

Eligibility
• The girl child must be below the age of 10 years
• One account is allowed per child
• A family can open 2 SSY accounts

Implementing Institutions
• Post offices
• Branches of Public Sector Banks
• Three private sector banks – HDFC, ICICI and Axis

Deposits per annum

• Minimum – Rs.250
• Maximum – Rs.1,50,000
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Validity of account – 21 years (Deposits can be made up to 14 years)

• The account will be automatically closed if the girl child gets married before completion of
tenure of 21 years

Premature withdrawal
• Can only be made by girl child in whose name the account has been opened after she
attains the age of 18 years.
• Premature withdrawal is limited to 50% of the balance that was at the end of the preceding
financial year.

Provision in case of death

• In the event of death of the account holder, the account will be closed immediately.
• The balance in the account will be paid, along with the interest till the month preceding the
month of the premature closure of the account, to the guardian of the account holder.

Tax benefits
• The deposits made under the account are fully exempted from income tax under section
80C of the IT act
• Interest earned in the account is free from Income Tax under Section -10 of I.T.Act

Ministry of Agriculture and Farmer’s welfare

Central sector scheme for formation and

promotion of 10000 FPOs
Objective
• To enhance economic strength & market linkages of farmers for enhancing their income,
10000 FPOs will be established and promoted.

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FPO – FPO is a generic name, which means and includes farmer- producers’ organization. It is
registered either under Part IXA of Companies Act or under Co-operative Societies Act of the
concerned States. The objective of an FPO is the production and marketing of agricultural and
allied sector.

Launch year – 2020 (from Chitrakoot) till 2027-28

Total outlay – Rs.6865 Crore

Services to be undertaken by FPOs

• Supply quality production inputs like seed, fertilizer, pesticides and such other inputs at
reasonably lower wholesale rates.
• Make available need based production and post-production machinery and equipment like
cultivator, tiller, sprinkler set, combine harvester.
• Undertake higher income generating activities like seed production, bee keeping,
mushroom cultivation etc.
• Facilitate market information about the produce for judicious decision in production and
marketing.

Implementing Agencies

• Small Farmers Agri-Business Consortium

• NCDC
• NABARD
• NAFED
• North Eastern Regional Agricultural Marketing Corporation Limited (NERAMAC)
• Tamil Nadu-Small Farmers Agri-Business Consortium (TN-SFAC)
• Small Farmers Agri-Business Consortium Haryana (SFACH)
• Watershed Development Department (WDD)- Karnataka
• Foundation for Development of Rural Value Chains (FDRVC)- Ministry of Rural
Development (MoRD).

Cluster Based Business Organizations

• Implementing Agencies will set up CBBOs at the State/Cluster level to form and promote
FPOs as per their requirements
• The Implementing Agencies will apply due diligence to ensure that professionally
competent CBBOs are transparently engaged & have experience in promotion and
professional supports to FPOs.

National Project Management Agency

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• At national level, an NPMA will be set up by SFAC through transparent manner

• It provides overall project guidance, data maintenance through integrated portal and
information management and monitoring.
• The NPMA is equipped with the technical team with five categories of specialisation –
▪ Agriculture / Horticulture
▪ Marketing and Processing
▪ Incubation Service Provider
▪ IT/MIS
▪ Law & Accounting

Financial Assistance

• Financial assistance up to Rs.18 lakh per FPO for a period of 03 years.

• Matching equity grant up to Rs.2,000 per farmer member of FPO with a limit of Rs.15
lakh per FPO
• Credit guarantee facility up to Rs.2 crore of project loan per FPO from eligible lending
institution to ensure institutional credit accessibility to FPOs.
• Implementing Agencies will be given upfront amount computed @ 3% of estimated
annual expenditure in the form of supervision charges
• An additional amount computed @ 2% will be given to them based on their performance
assessment.

Training institutes for capacity development & trainings of FPOs

• Bankers Institute of Rural Development, Lucknow

• Laxmanrao Inamdar National Academy for Co-operative Research & Development

Strategy for promotion of 10000 FPOs

• Formation and promotion of FPO is based on Produce Cluster Area

• “Produce Cluster area” for purpose of FPO formation and management herein means a
geographical area wherein agricultural and allied produce such as horticultural produce
of similar or of almost similar nature is grown.

Minimum size of FPO

• In Plain Areas – 300 minimum farmer members

• In North-Eastern and Hilly areas (including such areas of UTs) – 100 minimum farmer
members

Credit Guarantee Fund Trust for FPOs

• NABARD has announced that the dedicated fund of ₹1,000-crore for providing credit
guarantees to 10,000 farmer produce organisations (FPOs) will be housed in “Credit
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Guarantee Fund Trust for FPOs” (CGFTFPO) under the trusteeship of NABSanrakshan
Trustee Private Limited (NTPL).
• The Trust has been registered at Mumbai.
• Other trust is Rural Infrastructure and Development Fund of NABARD

Agriculture Infrastructure Fund

Objectives
• To provide funding to farmers and agriculture development organizations like FPOs for
development of infrastructure.
• To achieve a multiplier effect in generating investments while ensuring that the benefits
reach small and marginal farmers.

Ministry – Ministry of Agriculture and Family Welfare

Launch year – 2020

Total corpus – Rs.1 Lakh Crores (First year – 10,000 Crores, Next three years – 30,000 Crores
each)

Implementation Period

• Financing facility from 2020-21 to 2025-26 (6 years)

• Overall period – 2020-21 to 2032-33 (13 Years)
• Moratorium for repayment – Minimum – 6 months; Maximum – 2 years

Eligible Beneficiaries

• Primary Agricultural Credit Societies

• Marketing Cooperative Societies
• Farmer Producers Organizations
• Self Help Group
• Farmers
• Joint Liability Groups
• Multipurpose Cooperative Societies
• Agri-entrepreneurs
• Start-Ups
• Central/State agency or Local Body sponsored Public Private Partnership Projects.
• National and state federations of cooperatives
• Federations of FPOs and SHGs

Participating Institutions
• Scheduled Commercial Banks
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• Scheduled co-operative banks

• Regional rural banks
• Small finance banks
• NBFCs
• National Cooperative Development Corporation

Monitoring Framework

National Level Chairman - Secretary Guidance for

Monitoring Committee (DAC) implementation

State Level Monitoring Chairman - Chief Implement the NLMC

Committee Secretary guidelines

District Level Chairman -District First line of

Monitoring Committee Collector implementation

Budgetary Support

• All loans under this financing facility will have

interest subvention of 3% per annum up to a
limit of Rs. 2 Crore.
• Maximum period of 7 years.
Interest Subvention Cost • In case of loans beyond Rs.2 crore, then
interest subvention will be limited up to 2
crore

• Credit guarantee for a loan up to Rs.2 Crore

under Credit Guarantee Fund Trust for Micro
and Small Enterprises
Credit Guarantee Cost • The fee for this coverage will be paid by the
government

• 24% of total grants – in – aid under the scheme should be utilized for SC/ST entrepreneurs
(16% for SC and 8% for ST).
• Lending institutions will ensure adequate coverage of entrepreneurs belonging to women
and other weaker segments of society.

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Horticulture Cluster Development Programme

Horticulture Cluster – A horticulture cluster is defined as a regional/geographical concentration of
targeted horticulture crops, offering scope for specialization in production, post-harvest
management, marketing and exports. These clusters provide growth and development
opportunities to stakeholders

Objective – To develop horticulture clusters across the country to give a boost to horticulture
crops production.

Implementing agency – National Horticulture Board

Launch year – 2021

Total number of clusters to be developed – 55

Pilot clusters – 12

Focus of clusters

Pre-Production & Production

Post Harvest Management & Value Addition

Logistics, Branding and Marketing

Implementation Framework

• NHB shall provide financial assistance and supervise the overall implementation of the
program
• A Government/Public Sector Entity recommended by State/Central Government shall be
appointed as a Cluster Development Agency (CDA) for each identified Cluster
• CDA will establish a Cluster Development Cell (CDC) with a dedicated team of officers
within the CDA for smooth implementation of the program.
• The Implementing Agency (IA) will be selected through Call for Proposals in an open and
transparent manner for the different verticals of the Cluster
• The project management unit shall provide technical assistance to NHB and CDA

Classification of Clusters

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Cluster category Area of Cluster in Hectares

Mega More than 15000

Midi More than 5000 to 15000

Mini Up to 5000

Financial Assistance

Cluster category Amount

Mega Up to 100 Crores

Midi Up to 50 Crores

Mini Up to 25 Crores

• First instalment – 30% of the approved financial assistance – Within 12 months of approval
• Second instalment – 30% of approved financial assistance – Within 24 months of approval
• Third instalment – 30% of approved financial assistance – Within 36 months of approval
• Fourth instalment – 10% of approved financial assistance – Within 48 months of approval

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PM Krishi Sinchai Yojana

Objectives
• To achieve convergence of investments in irrigation at the field level
• To expand cultivable area under assured irrigation
• To improve on-farm water use efficiency to reduce wastage of water
• To enhance the adoption of precision-irrigation and other water saving technologies

Launch year – 2015

• Recently cabinet committee on Economic Affairs has approved the implementation of PM

Krishi Sinchai Yojana for 2021-26
• Total outlay for 2021-26 – Rs.93,068 Crores

Converged from

• Accelerated Irrigation Benefit Programme

• Integrated Watershed Management Programme
• On Farm Water Management programme

Implementing ministries
• Ministry of Agriculture
• Ministry of Rural Development
• Ministry of Jal Shakti

Components

Accelerated irrigation benefit programme • Mo Jal Shakti

Har Khet Ko Pani • Mo Jal Shakti
Watershed Management • Mo Rural Development
Per Drop More Crop • Mo Agriculture

Accelerated Irrigation Benefit Program

• It was launched in 1996-97

• To provide Central Assistance to States for the major/medium irrigation projects in the
Country

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• It was merged with PMKSY in 2015-16

• Under this component, central assistance and State share is being provided through
NABARD under Long Term Irrigation Fund
• There is also a provision whereby State share can be borrowed from NABARD by the
State, with interest subvention beyond 6% to be borne by Government of India.
• Target for 2021-2026 – Total additional irrigation potential creation targeted during this
period is 13.88 lakh hectare.

Har Khet ko Pani

Objectives
• Creation of new water sources through Minor Irrigation (both surface and ground water)
• Repair, restoration and renovation of water bodies
• Strengthening carrying capacity of traditional water sources,
• Construction of rain water harvesting structures

• Sub-components of Har Khet ko Pani

▪ Command Area Development
▪ Surface Minor Irrigation
▪ Repair, Renovation and Restoration of Water Bodies
▪ Ground Water Development component.
• For rejuvenation of water bodies, centre has increased the funding from 25% to 60% in
general area.
• Under Ground Water component, there is a target of creation of irrigation potential of 1.52
lakh hectare.

Per Drop More Crop

• Promoting efficient water conveyance and precision water application devices like drips,
sprinklers, pivots, rain - guns in the farm
• Construction of micro irrigation structures to supplement source creation activities including
tube wells and dug wells
• Water lifting devices like diesel/ electric/ solar pumpsets including water carriage pipes,
underground piping system

Note: As per the recent PIB release, Per Drop More Crop is now not implemented as a part
of PMKSY but it is being implemented separately.

Watershed Development

• Effective management of runoff water and improved soil & moisture conservation activities.
For ex - ridge area treatment, drainage line 5 treatment, rain water harvesting, in - situ
moisture conservation

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• Converging with MGNREGS for creation of water source to full potential in identified
backward rainfed blocks including renovation of traditional water bodies

Implementation

• All the States and Union Territories including North Eastern States are covered under the
programme.

• The National Steering Committee (NSC) of PMKSY under the chairmanship of Hon’ble
Prime Minister, will provide policy direction to programme framework

• National Executive Committee (NEC) under the chairmanship of Vice Chairman of NITI
Aayog will oversee the programme implementation at national level.

• States can take up projects based on the District/State Irrigation Plan.

• Geo – tagging of PMKSY – PDMC assets using BHUVAN app

PM Annadata Aay SanrakShan Abhiyan (PM-AASHA)

Objectives – Ensuring remunerative prices to the farmers for their produce.

Launch Year – 2018

Components: There are three components of the scheme:

1) Price support Scheme (PSS)

• Procurement of Pulses, oilseeds and Copra will be done by central agencies.
• In addition to NAFED, FCI will also take up the procurement.
• The procurement expenditure and losses due to procurement will be borne by Central
government up to a maximum of 30% of the procurement cost.
• The duration of PSS procurement operations for particular pulses and oilseeds shall be for
a maximum period of 90 days.
• This period for Copra will be 6 months
• DAC&FW shall provide the working capital to its central nodal agencies.
• DAC&FW shall be responsible for reimbursement of losses to its central agencies up to
90% of the estimated loss.
• The remaining 10% loss will be reimbursed after checking of the accounts.
• DAC&FW shall provide 1% incentive to the agencies on the net profit earned from particular
PSS operation.

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• Service charges are also provided – 1% on the MSP value of procured stock and 0.50% on
disposal value.
• An empowered committee under the chairmanship of secretary, DAC&FW will monitor the
scheme.
• Central agencies shall release 100% of MSP value and 50% of incidental expenses to the
state agencies within 3 days from receiving the stock.
• 50 bags of 50 kg each of produce shall be purchased from one farmer in a day.
• The overall quantity of procurement by central government will be restricted to 25% of the
actual production.
• State/UT governments can procure more than 25% but at their own cost and through their
own agencies.
• Payment shall be released to the farmers within 3 days from the actual delivery to the
procuring agency.

2.) Price Deficiency Payment Scheme (PDPS)

• This scheme is for oilseeds for which MSP is notified.
• State governments can either choose PSS or PDPS.
• Direct payment of difference between MSP and actual selling price is made to the pre –
registered farmers.
• Does not involve any physical procurement.
• The implementing state/UT has to choose one or more oilseeds produced in their state.
• The entitled compensation will be paid to farmers within one month from the date of sale of
the commodity in the notified market.
• The details of agriculture produce, its daily arrival, rate and all other details are being
uploaded on AGMARKNET portal of central government.
• The support by the central government is provided up to 25% of the produce. Beyond this,
finances shall be borne by state/UT

3.) Private procurement and stockist scheme (PPSS)

• This component is also for oilseeds
• States have the option to roll out PPSS in selected districts on a pilot basis.
• The selected private agency shall procure the commodity at MSP in the notified markets.
• Maximum service charges upto 15% of the MSP is payable to the private agencies.
• The private agencies will be offered facilitative business environment.
• The state government shall exempt market fee levied under respective Mandi Board acts.
• The private agency shall be responsible for all forms of handling, storage and
transportation.
• The implementation of the scheme is being monitored by State Level Monitoring committee
chaired by Chief Secretary.

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Soil Health Card

Objectives
• SHC is a report which contains nutrient status of soil w.r.t 12 nutrients.
o N, P, K and S (Macro - Nutrients)
o Zn, Fe, Cu, Bo, Mn (Micro - Nutrients)
o pH, Electrical conductivity, Organic carbon
• It is provided to all the farmers with recommended doses of nutrients based on testing of
soil.
• It advises the farmer on the fertilizers and their quantities he should apply, and also the soil
amendments that he should undertake.

Launch year – 2015

Implementation
• By Integrated Nutrient Management division of Department of agriculture, cooperation and
farmer’s welfare.

Web portal
• NIC has developed a web portal – www.soilhealth.dac.gov.in for generation of uniform soil
health card and fertilizer recommendation.

Norms of sampling
• Soil samples will be drawn in a grid of 2.5 ha in irrigated area and 10 ha in rain- fed area
with the help of GPS tools and revenue maps.
Availability of cards
• Once in a cycle of 3 years, which will indicate the status of soil health of a farmer’s holding
for that particular period

RKVY – RAFTAAR
Objectives
• To ensure the preparation of the agriculture plan for different states based on the local
condition.
• To incentivize the states so as to enhance the investment in the agriculture and allied
sector.
• To enhance the production and productivity in agriculture and allied sectors in a holistic
manner.
• To maximize the income of farmers.

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Launch year – 2007 (Revamped in 2017 – 18)

Eligibility
• All states and UTs are eligible for funding under the scheme.

Funding pattern: It is a centrally sponsored scheme.

• 60:40 between centre and states
• 90:10 between centre and N – E and Hilly states
• 100% assistance from centre in case of UTs

• Funds are made available to the States in two installments of 50% each.
o The first instalment is released upon the approval of SLSC
o Release of the second and final installment of 50% would be considered on fulfillment
of the following conditions:
▪ 100% Utilization Certificates for the funds released up to the previous financial
year
▪ Expenditure of at least 60% of funds released in the first installment during the
current year
▪ Submission of performance report in terms of physical and financial
achievements as well as outcomes on a quarterly basis

Criteria of Allocation

• Regular RKVY RAFTAAR – 70% of the annual outlay

o Infrastructure and assets – 50% of regular RKVY RAFTAAR outlay
▪ Pre-Harvest – 20%
▪ Post-Harvest – 30%

o Value addition linked production projects – 30% of regular RKVY RAFTAAR outlay.

o Flexi funds – 20% of regular RKVY RAFTAAR outlay.

• RKVY RAFTAAR Special Sub-Schemes – 20% of total annual outlay

• Innovation and Agri entrepreneur development – 10% of annual outlay

o For encouraging innovation and agri-entrepreneurs through skill development and
financial support.
o These funds will be with Central Govt. (DAC&FW) including 2% of administrative
costs at the Centre.
o In case the funds are not utilized, they will be diverted to regular RKVY and sub-
schemes.

Inter-State Allocation of funds

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• Percentage share of net un – irrigated area in a state to net un – irrigated area in all the
states – 15% weightage
• Percentage of small and marginal farmers in the state compared to total number of small
and marginal farmers in the country – 20% weightage
• Moving averages of the increase in plan expenditure in agriculture & allied sectors including
animal husbandry, fisheries etc. in the previous 3 year period – 30%
• Average Gross State Value Added (GSVA) in agriculture and allied sectors in the last 3
years – 20%
• Percentage of youth population in the state compared to total youth in the country – 5%
• Inverse of Yield gap between state average yield and potential yields as indicated in the
frontline demonstration data – 10%

Plans under the scheme

• States and UTs have to prepare, State Agriculture Plan and District Agriculture Plan
• These plans will present the vision for Agriculture and allied sectors within the overall
development perspective of the state and the district.
• Each State will be required to prepare a State Agriculture Infrastructure Development
Programme for identifying a shelf of projects for RKVYRAFTAAR (Infrastructure & Assets)
stream.

Project Screening and Approval Committees

State Level Project Screening Committee (SLPSC)

• A State Level Project Screening Committee (SLPSC) will be constituted by each State for
screening RKVYRAFTAAR project proposals
• It is headed by the Agriculture Production Commissioner or any other officer nominated
by the Chief Secretary.

State Level Sanctioning Committee

• A State Level Sanctioning Committee (SLSC) is vested with the authority to sanction
specific projects recommended by the SLPSC under each stream of RKVY-RAFTAAR
• It is headed by the Chief Secretary of the State
• At least one representative from the government of India is required for the meeting of this
committee

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PM – Kisan Samman Nidhi Yojana (PM- KISAN)

(Updated)
Objective
• Providing financial support to farmers’ families having cultivable land

Launch Year – 2019 (Came into effect – 1.12.2018)

• Launched from Gorakhpur, UP on 24th February 2019

Beneficiaries
• All farmers’ families irrespective of the size of their land holding.
• A farmer’s family is defined as “a family comprising of husband, wife and minor
children who owns cultivable land as per land records of the concerned State/UT”

• Exclusions:
o Income tax payers
o Professionals like Doctor, Engineer, Lawyer, CA etc.
o Serving and retired officers of central/state Governments/PSEs (Excluding MTS,
class IV and group D employees)
o All superannuated / retired pensioners whose monthly pension is Rs.10,000/- or
more (Excluding Multi Tasking Staff / Class IV / Group D employees)
o Former and Present holder of constitutional posts
o Former and Present ministers in central and state governments/ Present
MPs/MLAs/MLCs.
o Former and present chairperson of district panchayats.

Implementation
• Beneficiaries under the scheme are to be identified by respective States/UTs
• All the information related to farmers’ family and landholding will be provided in PM –
KISAN portal

Benefits
• Rs.6000 per year in three instalments of Rs.2000 each is provided to all the eligible farmers
by the central government.

Cut-off Date
• The cut-off date for determination of eligibility of beneficiaries under the scheme shall be
01.02.2019
• No changes shall be considered for eligibility of benefit under the scheme for next 5 years

Review and Monitoring

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• There is a monitoring mechanism at centre, state and district level.

• At national level, the review committee is headed by Cabinet Secretary.

Other key features

• 24x7 Interactive Voice Response System (IVRS) based help line for status verification.
Farmers can dial 1800-11-5526 or 155261 to know the status of their application.
• PM KISAN Mobile App for direct services to beneficiaries
• “National Farmers Welfare Program Implementation Society” society has been formed to
further the implementation of the scheme.
• A special facility has been provided to the farmers in the PM-KISAN Portal, namely
Farmers Corner. Through this facility, farmers can do their self-registration

Paramparagat Krishi Vikas Yojana

(Updated)
Objective
• To develop sustainable models of organic farming through a mix of traditional methods and
modern science to ensure long term soil fertility, help in climate change adaptation and
mitigation.
• This scheme is an extended component of Soil Health management under National Mission
on Sustainable Agriculture.

Launch year – 2015

Duration
• Initially the duration was 2015 – 2018 (Phase 1)
• In 2018, it was extended by three years up to 2020-21 (Phase 2)

Funding pattern
• 60:40 between centre and states
• 90:10 between centre and north – eastern and Himalayan states
• 100% funding from central government for UTs

Institutional framework

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National Advisory Committee chaired by Secretary,

MoA&FW.

State department of agriculture or agency nominated

by the state government.

District level executive committee chaired by Collector

Approach
• PKVY promotes organic farming through a cluster approach to adopt PGS Certification.
• A group of farmers having a total area of 20 hectare shall be considered a group. A group
shall comprise minimum 20 farmers.
• 25-50 such groups covering 500-1000 hectare shall constitute one “Cluster”

• PGS Certification facilitates farmers to certify their organic produce, label and market their
products domestically.

o PGS is a process of certifying organic products, which ensures that their

production takes place in accordance with laid-down quality standards.
o It is only for farmers or communities that can organise and perform as a group
within a village or a cluster of contiguous villages, and is applicable only to farm
activities such as crop production, processing, and livestock rearing, and off-farm
processing “by PGS farmers of their direct products”.

Components and Major Activities

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Modern Organic Cluster Demonstration

• This component aims at promoting organic farming among rural youth/ farmers/
consumers/ traders by creating awareness on the latest technologies of organic farming.
• These are conducted at the farmer’s field in clusters of 20 ha or 50 acres under PKVY.
• A Project Demonstration Team may be formed by these Implementing Agencies (IAs) for
improved focus and timely implementation.
• Each institution shall conduct 3 model organic cluster demonstrations in surrounding
villages with a minimum of one cluster per village in a year.

Model Organic Farm

• It aims at demonstrating conversion of conventional land into organic farming

practices in one-hectare parcels.
• This is to spread the information on the latest technologies of various units of organic inputs
production through exposure visits to farmers.
• Maximum three model organic farm demonstrations shall be allocated to each organization
with a minimum of one farm in one institution in one year.

Financial Assistance

• Rs.20 lakh/ cluster of 1000 ha for 3 years are provided for value addition and infrastructure
creation
• Rs.50000/ha for 3 years out of which, Rs.31000/ ha / 3 years is provided directly to
farmers through DBT for on-farm and off-farm organic inputs
• Rs.2700/ha for 3 years is provided for certification and residual analysis.
• Rs.8800/ ha/ 3 years is provided for value addition and marketing that includes post -
harvest management practices like storage.
• Rs.3000 /hectare for 3 years is provided for Cluster formation (of 20 ha) and Capacity
building of field functionaries
• Rs.7500/hectare for three years is provided for capacity building

Student READY – Rural Entrepreneurship

Awareness Development Yojana
Objective
• To provide rural entrepreneurship awareness, practical experience in rural agriculture and
creating awareness to undergraduate students about practical agriculture and allied
sciences.

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Implementing Agency

Launch year – 2015

Eligibility
• A student, who is pursuing UG programme in courses duly accredited by the National
Agricultural Education Accreditation Board (NAEAB) of ICAR, New Delhi

Stipend
• Monthly stipend of Rs.3000 for a maximum of 6 months.

ARYA – Attracting and Retaining Youth in Agriculture

Objective
• To attract and empower the Youth in Rural Areas to take up various Agriculture, allied and
service sector enterprises for sustainable income and gainful employment in selected
districts.

Launch year – 2015

Implementing Agency

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PM Kisan Maan Dhan Yojana

Objective: Pension benefit scheme for small and marginal farmers

Launch year – 2019

Eligibility
• All small and marginal farmers (Big farmers are self – sufficient, they don’t need)
• Minimum Age – 18 Years ; Maximum age – 40 years

❖ Not eligible
• SMF of any other pension scheme like EPFO/ESIC/NPS/PM-SYM or an income tax payer
is not eligible.
• Farmers who have opted for PM Shram Yogi Maan Dhan and PM Laghu Vyapari Maan
Dhan
• Government officials (serving or retired) and professionals (CA, Doctor, Lawyer etc.)

Contribution
• Minimum – Rs.55 (at the age of 18); Maximum – Rs. 200 (at the age of 40)
• Same amount shall be contributed by central government as matching contribution
• Pension amount – Rs.3000 after attaining 60 years of age

Pension fund manager

On death of the subscriber - Spouse shall be entitled to receive fifty percent of the pension

On disablement before attaining 60 years of age –

Spouse has two options in this case –

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Exit the scheme by receiving the

share of contribution with
Continue with the scheme with
interest as actually earned by the
the payment of regular
Pension Fund or the interest at
contribution
the savings bank interest rate
thereon, whichever is higher.

Benefits on leaving the pension

• Exit within less than 10 years – Share of contribution with saving banks interest rate

• Exit after equal to or more than 10 years – Share of contribution with interest as actually
earned by the Pension Fund or the interest at the savings bank interest rate thereon,
whichever is higher.

• After death of subscriber and his or her spouse, the corpus shall be credited back to the
fund

PM Fasal Bima Yojana

Objective

• It is a crop insurance scheme which provides financial support to farmers suffering crop
loss or damage.
• Stabilizing the income of farmers.
• Ensuring credit worthiness of the farmers.

Implementing Agency

• Selected insurance companies under the guidance and control of Department of

Agriculture, cooperation and farmers’ welfare.
• Coordination from other agencies like Commercial Banks, Co-operative Banks, Regional
Rural Banks and their regulatory bodies etc.

Beneficiaries

• All farmers growing notified crops in a notified area are eligible.

• The scheme is optional for all the farmers including those who possess a crop loan
account/KCC account.
• Existing Loanee farmers who do not want to get covered under the scheme have to submit
requisite declaration to loan sanctioning bank branches any time during the year.
Coverage of crops

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• Food crops
• Oilseeds
• Annual Commercial crops/Annual horticulture crops
• Perennial horticulture/commercial crops for which standard methodology for yield
estimation is available.

Launch Year – 2016

Risks Cover and Exclusions

• Loss of yield due to any non – preventable risks like drought, flood, wide spread pests and
disease attack.
• Add on coverage:
o Sowing/Germination risks
o Mid – season adversity
o Post harvest losses
o Localised calamities
o Due to attack by wild animals (Optional for the farmers and they have to borne
the notional premium).

• Losses arising out of war and nuclear risks, malicious damage and other preventable
risks shall be excluded.

National Crop Insurance Portal

• Government of India has designed and developed a National Crop Insurance Portal.
• This has brought in better administration and coordination amongst stakeholders viz.
Farmers, States, Insurers and Banks
• It has ensured real time dissemination of information and transparency in implementation
• Implementing States and Insurance companies are required to digitize and upload basic
information like notified areas, crops, sum insured, Government subsidy, and premium to
be paid by farmers on the portal
• Only those farmers whose data is uploaded on the NCIP shall be eligible for Insurance
coverage.

Benefits
• Premiums to be paid by farmers:
o Kharif crops – 2% of SI or Actuarial Rate whichever is less
o Rabi crops – 1.5% of SI or Actuarial Rate whichever is less
o Annual commercial and horticulture crops – 5% of SI or Actuarial Rate whichever is
less
o Perennial horticulture/commercial crops - 5% of SI or Actuarial Rate whichever is
less

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• All farmers enrolled under the scheme would be entitled for the subsidy on the actuarial
Premium.

The difference between Actuarial Premium Rate (APR)

and the Premium paid by the farmer

Payable by Centre and States/UTs in the ratio 50:50

Centre and North - Eastern States - 90:10

• The support from GoI will be applicable only up to APR of 25% and 30% with respect to
irrigated and rainfed areas/district, respectively
• Districts having 50% or more of the gross irrigated area is categorized as irrigated.

Krishi Kalyan Abhiyan (Updated)

Objective
• It was launched to aid, assist and advice farmers on how to improve their farming
techniques and raise their incomes.
• It was launched in line with vision of ‘doubling farmers’ income by 2022.

Launch year – 2018

Coverage
• It will be undertaken in 25 Villages with more than 1000 population each in Aspirational
Districts identified by NITI Ayog.

Implementation agency
• The overall coordination and implementation in the 25 villages of a district is being done by
Krishi Vigyan Kendra of that district.

e-NAM (Electronic National Agriculture

Market) (Updated)
Objectives

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• It is a pan-India electronic trading portal which networks the existing APMC mandis
(physical market) to create a unified national market for agricultural commodities.
• Integration of APMCs across the country through a common online market platform to
facilitate pan-India trade in agriculture commodities
• Providing better price discovery through transparent auction process based on quality of
produce along with timely online payment.

Launch year – 2016

Implementing agency – Small Farmers Agribusiness Consortium

Technical partner – National Informatics Centre which will host e-nam software on “Meghraj
Cloud”

Facilities provided by e-NAM

The NAM Portal provides a single window service for all APMC related information and services.
This includes:
• commodity arrivals & prices
• buy & sell trade offers
• provision to respond to trade offers, among other services.

Platform of Platforms – In 2022, Platform of Platforms under e-NAM was launched to facilitate
farmers to sell their produce outside their state borders
• 41 service providers from different platforms are covered under POP facilitating various
value chain services like trading, quality checks, warehousing, fintech, market information,
transportation etc

Funding - Agri-Tech Infrastructure Fund (ATIF) which has been set up through the Small Farmers
Agribusiness Consortium (SFAC)

• Government gives grant as a one-time fixed cost to the States / UTs up to Rs. 75.00 lakh
per mandi for purchase of hardware, internet connection, and related infrastructure to make
the mandi ready for integration with e-NAM platform

Small Farmer's Agriculture-Business

Consortium
Introduction
• SFAC was established as a society in 1994 under the Societies Registration Act XXI of
1860.
• It is being promoted by Ministry of agriculture and farmer’s welfare.

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• It is governed by a board of management which is chaired (ex-officio) by union minister of

agriculture and farmer’s welfare.

Objectives
• To support new ventures in agro-based industries and
• To promote the farmer producer organisations (FPOs) and their integration in agriculture
value chain.
• It gives Venture Capital Assistance and Project Development Facility to supports the new
ventures in agro based industries.

Beneficiaries
• Individuals
• Farmers
• producer groups
• partnership
• propriety firms
• Self Help Groups and companies etc.

Functioning of SFAC
• It offers Schemes like Equity Grant and Credit Guarantee Fund Scheme to Farmer
Producer Companies.
• It promotes development of small agribusiness through its VCA Scheme for value added
processing and marketing linkages.
• It is also implementing the National Agriculture Market Electronic Trading (e-Nam) platform.
• It is the Central Procurement Agencies for pulses and oilseeds under Price Stabilisation
Fund of Department of Consumer Affairs.

National Innovation on Climate Resilient

Agriculture
Objectives
• To enhance the resilience of Indian agriculture covering crops, livestock and fisheries to
climatic variability and climate change through development and application of improved
production and risk management technologies
• To demonstrate site specific technology packages on farmers’ fields for adapting to current
climate risks
• To enhance the capacity building of scientists and other stakeholders in climate resilient
agricultural research and its application.
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Launch year – 2011

Nodal agency – Indian Council of agriculture research

Total Outlay – Rs.400 Crore

Components
• Strategic research on adaptation and mitigation (covering crops, livestock, fisheries and
natural resource management)
• Technology demonstration to cope with current climate variability in 100 vulnerable districts,
• Capacity Building
• Sponsored competitive research to fill critical gaps.

Krishi Vigyan Kendras (Updated)

Objectives
• To serve as a single window mechanism for addressing the technology needs of farmers.
• To act as a link among researchers, extension functionaries like NGOs and farmers.
• On-farm testing to assess the location specificity of agricultural technologies.
• Capacity development of farmers.

• KVK operates under the control of ICAR

First KVK – In 1974 at Puducherry (Pondicherry).

• As on July 2022, there are 731 KVKs in the country

The KVK scheme is 100% financed by Government of India

Facilities provided
• farm advisory service
• climate resilient technologies
• training programme for NGOs
• front line demonstration and
• on Farm testing.

Mera Gaon - Mera Gaurav (Updated)

Objectives
• The objective of this scheme is to provide farmers with required information, knowledge and
advisories on regular basis by adopting villages.

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• To create awareness among farmers about the organisations and their programmes and
schemes as well as government policies related to the farming sector.
• To promote the direct interface of scientists with the farmers to hasten the lab to land
process.
• Under this scheme, scientists will select villages and provide information to the farmers on
technical and other related aspects in a time frame through personal visits or on telephone.

Launch year – 2015

Implementing agency – ICAR

e-RaKAM
Objectives:
• e-Rashtriya Kisan Agri Mandi (E-RaKAM) is a digital platform portal enables farmers to sell
their agricultural products through auction across the country
• To connect small villages farmers with largest markets and get the good price of their
products.
• To connect farmers, PSUs, Civil Suppliers and buyers on a single platform.
• To help farmers in finding buyers to sell stored agricultural products.

Launch year – 2017

Joint initiative
The portal is a joint initiative by state-run-auctioneer MSTC limited and Central Warehousing
Corporation arm CRWC (Central Railside Warehouse Company)

Mode of payment
The farmers would get the payment for their products directly into their bank accounts without any
intermediaries.

Logistics support
CWRC, a subsidiary of the Central Warehousing Corporation Ltd, will provide logistics support for
sellers and buyers in case they need it.

Project CHAMAN
Project CHAMAN (Coordinated Horticulture Assessment and Management
using geoinformatics) is a pioneer project to provide strategic development to
the horticulture sector.

Objectives

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• For better horticulture assessment and development through remote sensing, GIS and field
survey.
• To increase farmer’s income.

Launch year – 2014

Implementing Agency - Mahalanobis National Crop Forecast Centre

Phase 1:
• It was approved for the year 2014-17.
• Area assessment and production forecasting of 7 major horticultural crops in selected
districts of major states (12 states, 185 Districts) were covered.

Phase 2:
• Phase-II of CHAMAN project was approved for the period 2018-19 & 2019-20.
• The major goals of the CHAMAN Phase-II are:
o Operationalization of the technologies developed during the Phase-I,
o Taking up new crops and research & development studies, especially the crop yield
modelling.
• Area assessment and production forecasting of 7 major horticultural crops in selected
districts of major states (15 states, 263 districts) are covered.

National Programme on use of Space

Technology for Agriculture
Objective
• This programme envisages integrated use of Space and Geospatial Tools for Mapping,
Monitoring and Management of Agriculture.

Launch year – 2017

Merged Programmes
• Project FASAL (for crop forecasting),
• Project NADAMS (for drought assessment),
• Project CHAMAN (for horticultural assessment and development),
• Project KISAN (for crop insurance) and Crop Intensification planning.

Mission Fingerling
• ‘Mission Fingerling’ was launched in March 2017.
• It aims to increase the fish fingerling production to achieve fish production targets under the
Blue Revolution by 2020-21.
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• ‘Blue revolution’ has target to increases the fish production to 15 mmt (million metric tons)
in 2020-21 from 10.79 MMT in 2014-15.
Note -
• A juvenile fish that are typically about the size of fingers with developed scales and working
fins is called a fingerling.
• Fish Fingerling production is the single most important critical input to achieve fish
production targets under the Blue Revolution.
Outlay – Rs.52000 lakhs to produce 426 crores fish fingerling, 25.50 crores Post Larvae of shrimp
and crab in the country.

Har Medh Par Ped

Objectives
• To encourage tree plantation on farm land along with crops/ cropping system to help the
farmers get additional income
• To make farming systems more climate resilient and adaptive.

Launch year – 2016-17 (It is being implemented in 20 states)

Funding Pattern
• Centre: State – 60:40
• Centre: North-Eastern/Himalayan state – 90:10
• Centre: UT – 100:00

Note: The scheme is also known as Sub-Mission on Agroforestry

National Dairy Plan-I (Updated)

Objectives
• To help increase productivity of milch animals and thereby increase milk production to meet
the rapidly growing demand for milk.
• To help provide rural milk producers with greater access to the organised milk-processing
sector.
• To create and strengthen infrastructure for providing market access to milk & milk products
which helps to reduce spoilage of milk

Launch year – 2012 (Up to November 2019)

Implementing agency – National Dairy Development Board

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Total Outlay – Rs.2242 Crore (Rs.1584 Crore – World Bank, Rs.176 Crore – Government of India
Rs.282 Crore – Implementing agencies, Rs.200 Crore – NDDB)

Focus states – NDP I will focus on 18 major milk producing states namely Andhra Pradesh,
Bihar, Gujarat, Haryana, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Punjab,
Rajasthan, Tamil Nadu, Uttar Pradesh, West Bengal, Telangana, Uttarakhand, Jharkhand and
Chhattisgarh which together account for over 90% of the country’s milk production.

Note – Its phase 2 has not been started yet

E-Pashudhan Haat Portal

Objectives
• To connect breeders and farmers of indigenous breeds.
• Through the portal farmers can obtain information on location of quality indigenous
germplasm in the form live animals, semen doses and embryos.

Launch year – 2016 (Under the National Mission on Bovine Productivity)

Services provided
• Database of Livestock, frozen semens and embryos
• Stock position/availability
• Extensive details of the animal and frozen semens and embryos
• Comparison and wishlist of animals
• Online Payment facility with Aadhar integration
• Help desk and Toll-Free Number

Quality Mark Award Scheme

Objectives
• It is to promote and encourage enhancement of safety, quality and hygiene of milk and milk
products manufactured by dairy cooperatives.
• It is aimed at bringing about process improvement in the entire value chain from producer to
the consumer to ensure availability of safe and quality of milk and products both for the
domestic and foreign market.

Launch year – 2016

Nodal agency – National Dairy Development Board

Key Points
• The Dairy units which meet the criteria for award of quality mark will be allowed to use the
logo on the package containing milk and milk products
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• Only those dairy units that score over 70% in the preliminary assessment are considered
for final assessment
• The final assessment is made for the evaluation of 45 critical and 97 major parameters that
influence the quality of the processed milk and milk products
• The award of Quality Mark shall be valid for three years

Pt Deendayal Upadhyay Unnat Krishi Shiksha Scheme

Objectives
• To develop human resource in organic farming, natural farming and cow -based economy
for environmental sustenance and soil health.
• To provide professional support in rural areas in the field of organic farming, natural
farming, rural economy and sustainable agriculture.
• Under this scheme, 100 centres will be opened with a fund of Rs.5.35 crore.

Launch year – 2016

Implementing agency – Education division of ICAR

Mission for Integrated Development of Horticulture

The scheme is being implemented under Umbrella Scheme – “Green Revolution –
Krishonnati Yojana”

Objective
• To promote holistic growth of horticulture sector including bamboo and coconut through
area based different strategies which includes research, technology promotion, extension,
post-harvest management etc.
• To encourage engagement of farmers into farmer groups like FPOs.
• To enhance horticulture production and the income of farmers.
• To support skill development in the area of horticulture.

Launch year – 2014

Mission Structure

National Level

Formulation body, giving

Chairman - Minister of
General Council overall direction to the
Agriculture
mission

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• The council meets at least twice a year.

• The non-official members are nominated for a period of three years.
“
Oversee activities of
Executive Committee Chairman - Secretary
the mission
State level
• State level executive committee
o Chairperson – Agricultural production commissioner or Principal Secretary
Horticulture/agriculture/environment and forests.
o Preparation of state level action plan is the major function.

District level
• District Mission Committee responsible for carrying forward the objectives of the mission for
implementation.
• It is chaired by CEO of Zila Parishad/CEO of District Rural Development Agency/CEO of
Forest Development Agency/District Development officer.

Panchayati Raj Institutions

• District Planning Committee and Panchayati Raj Institutions (PRI) will be involved in
implementing the programme with their expertise and available infrastructure.

Technical support group

• This group provides organizational and technical support to the states.

Funding
• It is centrally sponsored scheme
• Centre:States – 60:40
• Centre:N-E, Himalayan states and UT of J&K – 90:10
• For other UTs – 100% from Government of India
• For development of bamboo and programmes of National Horticulture Board (NHB),
Coconut Development Board, Central Institute for Horticulture (CIH), Directorate of Cashew
nut and Cocoa development (DCCD), Directorate of Areca nut and Spices development
(DASD) and the National Level Agencies, GoI contribution will be 100%.

Activities for which financial assistance is provided to states/UTs

• Setting up of nurseries, tissue culture units for production of quality seed and planting
material
• Area expansion i.e. Establishment of new orchards and gardens for fruits, vegetables, and
flowers
• Rejuvenation of unproductive, old, and senile orchards
• Organic farming and certification

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• Creation of water resources structures and watershed management

• Bee-keeping for pollination

Sub-Missions
• National Horticulture Mission (NHM)
• Horticulture Mission for North East and Himalayan States (HMNEH)
• National Bamboo Mission (NBM)
• National Horticulture Board (NHB)
• Coconut Development Board (CDB)
• Directorate of Cashew nut & Cocoa Development (DCCD)
• Directorate of Areca nut & Spices Development (DASD)
• Central Institute of Horticulture (CIH)

National Mission on Edible Oils – Oil Palm

Objective
• To enhance the edible oilseeds production and oils availability in the country by harnessing
Oil Palm area expansion
• Increasing CPO production
• Reducing import burden on edible oils.

Launch Year – 2021 (Up to 2025-26)

Strategy

• Increasing production of seedlings by establishment of seed gardens and nurseries of oil

palm to assure domestic availability of seedlings.
• Improving productivity of Fresh Fruit Bunches (Raw material used for Palm oil Production)
• Increasing drip irrigation coverage under oil palm
• Diversification of area from low yielding cereals crops to oil palm

Targets by 2025-26

• To increase area of oil palm to 10 lakh hectares from 3.5 lakh ha during 2019-20 by 2025-
26
• To increase in Crude Palm Oil production from 0.27 lakh tonnes during 2019-20 to
11.20lakh tonnes by 2025-26 and 28 lakh tonnes by 2028-29
• Increase consumer awareness to maintain consumption level of 19.00 kg/person/annum till
2025-26
• To cover 50% of the approved targeted area (6.50 lakh ha) to be brought under drip
irrigation

Total Outlay & Funding Pattern

• Total outlay of the scheme is Rs.11,040 Crores (Rs.8844 Crores – Central Share and
Rs.2196 Crores – States Share)
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• It is a centrally sponsored scheme with funding pattern as follows –

▪ Centre: States – 60:40
▪ Centre: NE States – 90:10
▪ Centre: UT – 100:00

❖ 1% of the funds allocated under the scheme is earmarked for meeting contingency
expenditure.

Note – For R&D projects, seed gardens, nurseries and viability gap payment – 100% funding is
provided by Government of India.

Assistance to Farmers

• Farmers are provided Rs.20,000/ha for purchasing of domestic seedlings and Rs.29,000/ha
for purchasing of imported seedlings.

• Farmers are provided assistance for maintenance at 50% of the cost limited to
Rs.50,000/ha in N-E states and Andaman & Nicobar Islands. For general states, it is
Rs.42,000/ha.

• Viability gap payment (VGP)

▪ Industry pays the farmers for their fresh fruit bunches (FFBs) produce based on the
monthly prices fixed for the FFBs.
▪ If the payment to farmers by the industry is below the Viability price (VP), the
Government will provide a VGP to ensure that the farmers payment reaches the VP.

❖ Viability prices are fixed to ensure assured returns to the farmers growing FFBs.
❖ The prices are fixed by Viability Prices Fixation Committee, chaired by Additional
Secretary, ministry of agriculture and farmer’s welfare.

• Assistance for setting up of new seed garden to states –

▪ For N-E states and UTs – One time grant of Rs.50 Lakhs and revolving fund of Rs.50
Lakhs
▪ For Other States - One time grant of Rs.40 Lakhs and revolving fund of Rs.40 Lakhs

• Assistance for Seed Nurseries to states

▪ For N-E states and UTs – Rs.50 Lakhs
▪ For other states – Rs.40 Lakhs

Training of Farmers and Officers

• Rs. 30000/training for a batch of 30 farmers for 2 days will be provided

• Rs. 40000/- per training for a batch of 20 field officers, technical officers, extension officers
etc.

Monitoring of the scheme

At National Level

• General Council
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▪ Chairperson – Union Minister of agriculture and farmer’s welfare

▪ Objective – To lay down the implementation guidelines and to give directives and
guidance for implementation.

• Executive Committee
▪ Chairperson – Secretary, Ministry of agriculture and farmer’s welfare
▪ Objective – To approve annual action plans of states and implementing agencies and
to decide need-based allocation of funds.

Note – Both General Council and Executive Committee have the responsibility of reviewing the
progress of the scheme.

At State level

• State Level Standing Committee

▪ Chairperson – Chief Secretary of the state
▪ Objective – To oversee the activities of the mission in the state approve the Annual
Action Plan of NMEO-OP of the state

Panchayati Raj Institutions

• The PRIs are involved in formulation, prioritization of activities and identification of

beneficiaries at the grass root level.

Note – To review the progress of scheme, State level monitoring team shall be constituted and
Project Management Team shall be constituted at district level for the same purpose.

Modified Interest Subvention Scheme

What: The union cabinet has approved the Interest Subvention on short term agriculture loans to
1.5% for all financial institutions for the financial year 2022-23 to 2024-25 for lending short term
agri-loans up to Rs.3 lakh to the farmers.
• In FY 2021-22, the rate of interest subvention was 2%
• The Interest Subvention support requires additional budgetary provisions of Rs.34,856
crore.

About the Scheme

• Under this scheme, short term agriculture loan up to Rs. 3.00 lakh is available to farmers
engaged in Agriculture and other allied activities at the rate of 7% per annum.
• An additional 3% subvention is also given to the farmers for prompt and timely repayment
of loans
• Therefore, if a farmer repays his loan on time, he gets credit at the rate of 4% per annum

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Agriculture Marketing Infrastructure Scheme

What: Ministry of agriculture and farmer’s welfare is implementing Agriculture Marketing
Infrastructure Scheme

Tell me More

• Objective – To provide financial assistance for construction/ renovation of godowns/

warehouses in the rural areas in the States to enhance the storage capacity for agriculture
produce

• Assistance – Subsidy at the rate of 25% to 33.33% on capital cost of the project based on
the category of eligible beneficiary.

• Category of beneficiary –
▪ Individuals, Farmers, Group of farmers/growers, Agri-preneurs, Registered Farmer
Producer Organizations (FPOs), Cooperatives, and state agencies.

Crop Residue Management Scheme

What: Ministry of agriculture and farmer’s welfare has organized a farm demonstration on crop
residue management under Crop Residue Management scheme in Punjab.
Tell me More

Crop Residue Management (CRM) Scheme

The objective of the Scheme is protecting environment from air pollution and preventing
loss of nutrients and soil micro-organisms caused by burning of crop residue;
promoting management of crop residue by retention/incorporation into the soil or collection
for further utilization through the use of appropriate mechanization inputs; promoting Farm
Machinery Banks for custom hiring of crop residue management machinery to offset the
adverse economies of scale arising due to small landholding and high cost of individual
ownership; creating awareness among stakeholders through demonstration, capacity
building activities and differentiated Information, Education and Communication strategies for
effective utilization and management of crop residue.

About the Scheme

• Objective - To address air pollution caused due to stubble burning and to subsidize
machinery required for management of crop residue
• Launch year – 2018-19
• Ministry – Ministry of agriculture and farmer’s welfare
• It is a central sector scheme (100% funded by central government)
• Financial Assistance
▪ For purchase of crop residue management machinery, 50% of the amount is
provided to the farmers
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▪ 80% of the amount is provided to Cooperative Societies, FPOs and Panchayats for
establishment of Custom Hiring Centres (CHCs).
• Areas of operation – Delhi, Punjab, Haryana and Uttar Pradesh
• To promote the use of bio-decomposer technology, the operational Guidelines of the CRM
Scheme have been revised in August 2022

National Natural Farming Mission

• Objectives:
▪ To create institutional capacities for documentation and dissemination of best practices.
▪ To make farmers partners in promotion strategy, ensure capacity building and
continuous handholding.
▪ To attract farmers to the natural farming willingly on the merit of the system.
• Ministry: Ministry of Agriculture and Farmers Welfare.
• Implementation: At the national level, it will be steered through National Steering
Committee (NSC).
▪ NSC will be chaired by Union Agriculture Minister.
▪ It will be the policy making body providing overall direction and guidance to Mission.
• Key Features of NNFM
▪ It will promote alternative system of farming for freedom from external purchased inputs,
cost reduction and increasing income of farmers.
▪ It will popularize integrated agriculture-animal husbandry models based on desi cow and
local resources.
▪ It will also collect, validate and document natural farming practices practiced across
country and encourage participatory research with farmers for its further scaling.
▪ Under it, various activities will be undertaken for awareness creation, capacity building,
promotion and demonstration of natural farming.
▪ Under it, standards, certification procedure and branding for natural farming products
will be created for national and international markets

Sub-Mission on Agricultural Mechanization

(Updated)
Objective – Increasing the reach of farm mechanization to small and marginal farmers and to the
regions & difficult area where farm power availability is low

Launch year – 2014-15

Financial Assistance

• Financial assistance @ 100% of the cost of agriculture drone

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▪ It is provided to up to a maximum of Rs.10 lakhs per drone for purchase of drones by

eligible organisations/institutes.
▪ Eligible organisations/institutes: Indian Council of Agricultural Research, Krishi
Vigyan Kendras, State Agriculture Universities, State and other Central Government
Agricultural Institutions/Departments and PSUs of Central Government engaged in
agricultural activities.
• Farmers Producers Organizations: They are provided grants up to 75% of the cost of
agriculture drone for its demonstrations on the farmers’ fields.
• Contingency expenditure of Rs.6000 per hectare: It is provided to implementing
agencies that do not want to purchase drones but will hire drones for demonstrations from
Custom Hiring Centres (CHCs), Hi-tech Hubs, Drone Manufacturers and Start-Ups.
▪ The contingent expenditure to implementing agencies that purchases drones for drone
demonstrations is limited to Rs.3000 per hectare.

• Financial assistance @ 40%

▪ It is provided up to a maximum of Rs. 4.00 lakhs to make available drone services to
farmers on rental basis.
▪ It is provided to CHCs under Cooperative Society of Farmers, FPOs and Rural
entrepreneurs.
▪ Agriculture graduates establishing CHCs are eligible to receive financial assistance @
50% of the cost of drone up to maximum of Rs.5.00 lakhs per drone.

• For individual purchase of drones

▪ Financial assistance @ 50% of the cost up to a maximum of Rs. 5.00 lakhs are provided
to Small and Marginal, Scheduled Caste/Scheduled Tribe, Women and North Eastern
State farmers.
▪ For other farmers financial assistance @ 40% up to a maximum of Rs. 4.00 lakhs is
provided

Bhartiya Prakritik Krishi Paddhati

• Objective
▪ It is aimed at promoting traditional indigenous practices, which give freedom to farmers
from externally purchased inputs.
▪ It focuses on on-farm biomass recycling with major stress on biomass mulching; use of
cow dung–urine formulations; and exclusion of all synthetic chemical inputs either
directly or indirectly.
• Launch year – 2019-20
• Period of implementation – 2019-20 to 2024-25
• Total outlay – Rs.4645.49 Crores
• Financial Assistance under the scheme –

▪ Rs.12200/ha for 3 years is provided for cluster formation, capacity building and
continuous handholding by trained personnel.
▪ Out of Rs.12200, Rs.2000 is provided as incentive to farmers through DBT
▪ Rs.2700 per ha is provided for PGS Certification and Residue Analysis for three years
under BPKP to facilitate marketing of natural farming products.
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▪ Rs.8800/ha for 3 years from PKVY funds for marketing, value addition and publicity of
natural farming products
• It is a centrally sponsored scheme and is compliant to PGS-India certification.
▪ PGS-India Certification is a certification provided to organic produce.
• The scheme has been opted by 8 states - Andhra Pradesh, Chhattisgarh, Kerala, Himachal
Pradesh, Madhya Pradesh, Odisha, Tamil Nadu and Jharkhand

Agri-Clinics and Agri-Business Scheme

(Updated March 2023)
• Objective: To transform unemployed youth into self-employed Agripreneurs through a 45
days free residential training with a provision for availing loan and subsidy from the banks.
• Launch Year: 2002.
• Ministry: It is Central Sector Scheme launched by Ministry of Agriculture & Farmers
Welfare in collaboration with NABARD.
• Implementing Agency: It is implemented by National Institute of Agricultural Extension
Management (MANAGE), Hyderabad.
▪ It is being implemented in different states with a network of 136 Nodal Training Institutes
(NTIs) spread across all the states.
• It seeks to tap the expertise available in the large pool of Agriculture Graduates and also
take better methods of farming to each and every farmer across the country.
• Beneficiaries: Agriculture Graduates (fresher or not, or currently employed or not), can set
up their own AgriClinic or AgriBusiness Centre and offer professional extension services to
innumerable farmers under this scheme.
• Start-up Training: It also being provided under this scheme to graduates in Agriculture, or
any subject allied to Agriculture.
▪ Those completing the training can apply for special start-up loans for venture

Ministry of Rural Development

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Mahatma Gandhi National Rural Employment Guarantee Scheme

Objective: To enhance livelihood in rural areas by providing 100 days of employment in every
financial year to adult members of any rural household willing to do public work-related unskilled
manual work at the statutory minimum wage.

Launch year – NREG act was enacted in 2005

Coverage: Entire country with the exception of the districts which have 100% urban population.

Features of the act

• Adult members of a rural household may apply for registration in writing or orally to the
local Gram Panchayat.
• The Gram Panchayat after due verification will issue a Job Card within 15 days of
application.
• Employment will be given within 15 days of application for work, if it is not then daily
unemployment allowance will be provided.
• Work should ordinarily be provided within 5 km radius of the village, if not 10% of the wage
rate is provided.
• Wages are to be paid according to the Minimum Wages Act 1948 for agricultural labourers
in the State
• At least one-third beneficiaries shall be women
• Work site facilities such as crèche, drinking water, shade have to be provided
• At least 50% of works will be allotted to Gram Panchayats for execution
• The Central Government bears the 100 percent wage cost of unskilled manual labour and
75 percent of the material cost including the wages of skilled and semi-skilled workers
• Social Audit has to be done by the Gram Sabha
• Wage rates are notified by central government
• In drought hit areas 150 days of employment is provided

PM Awas Yojana – Grameen

Objective
• To provide pucca house with all basic amenities to all households & households
living in kutcha & dilapidated house in rural areas by 2022
• To provide assistance for construction of toilets, drinking water, electricity etc.
through convergence with other government schemes.

Launch year – 2016

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Eligibility
• SECC data will be used for identifying households who are genuinely deprived of multi-
layered prioritization basis.
• All houseless and household with zero, one or two rooms with kutcha walls and Kutcha
roofs
• Priority will be given to SC/ST or minorities

• Automatic inclusion
o Household without shelter
o Destitute / living on alms
o Manual scavengers
o Primitive tribal groups
o Legally released bonded labourer

• Automatic exclusion – There are 13 exclusion criteria.

• For those who are neither automatically included or excluded, following parameters will be
followed:

o Household with no adult member between age 16 to 59

o Female headed households with no male members between age 16 to 59
o Households with no literate adult above 25 years
o Households with any disabled member & no able bodied adult member
o Landless households deriving the major part of their income from manual casual labour

Funding pattern

• Cost sharing ratios between government of India & state government

o Union territories – 100% by govt. of India.
o North eastern states, 2 Himalayan states and 1 UT of J&K – 90 :10
o For other states – 60: 40
• Allocation of scheme fund
o 95% inclusive of 4% for administration expenses will be given to states / UTs for
construction of houses
o 5% - reserve fund for special projects.

Targets
• Target number of houses to be built by 2022 – 2.95 Crore
• Phase 1 up to 2018 - 19 – 1 Crore
• Phase 2 up to 2022 – 1.95 Crore
• The scheme has been extended till March 2024 to achieve the targets

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Assistance to beneficiary
• Beneficiaries in plain areas – Rs.1.20 lakhs
• Beneficiaries in hilly, difficult & LWE districts – Rs.1.30 lakhs
• Willing beneficiaries can also avail loans from financial institutions for an amount of up to
Rs.70,000
• Rs.12000 for construction of toilets under SBM – G.

App for smooth implementation & monitoring of scheme - AwaasSoft app

Role of gram panchayat

• It will assist in identifying common land available for allotment to landless beneficiaries
• It will identify families who are unable to construct houses on their own & help them in
construction of houses
• It will help beneficiaries in availing benefits of other schemes of central & state government
through convergence

Audit
• CAG will audit accounts of PMAY-G at state level & administrative fund account at the
district level on or before 31 august of next financial year
• All PMAY-G accounts at all levels can be audited by CAG or internal audit wing of the pay
& accounts office of the ministry of rural development
• Social audit – Every gram panchayat once in a year.

PM Gram Sadak Yojana

Objective
• To provide all weather access to eligible unconnected habitations in the rural areas with a
population of 500 persons or above in plain areas and a population of 250 or above in North
– Eastern states, Hilly, tribal and backward areas
• Habitations within a distance of 500 metres from the road is considered as connected in
case of plain areas while this distance should be 1.5 km (of path length) in respect of Hills.
Launch year – 2000

Implementing Agency – National Rural Infrastructure Development Corporation

Funding pattern

• It was central sector scheme since its inception in 2000. But from 2015 – 16, it is being
implemented as centrally sponsored scheme.
• Centre:States – 60:40
• Centre:North – eastern, hilly states and UT of J&K – 90:10
• Centre:UT – 100:00

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Monitoring of the work

• The State Government is required to deploy independent monitors for monitoring of the
quality of road works.
• Independent National Quality Monitors (NQMs) are also deployed by the Central
Government for monitoring the quality of works randomly.

Time limit for completing the work

• 9 months from the date of issue of order
• In case the work is affected by Monsoon or any other seasonal factor, the time limit can be
extended up to not more than 12 months
• For hill roads – 18 months
• Tribal and backward districts – 24 months
• Road Connectivity Project for Left Wing Extremism Affected Areas was launched in the
year 2016, with an outlay of Rs.11,725 Crores.
• For construction/upgradation of strategically important roads chosen in the 44 worst
affected LWE districts and adjoining districts
• This was launched in Andhra Pradesh, Bihar, Chhattisgarh, Jharkhand, Madhya Pradesh,
Maharashtra, Odisha, Telangana and Uttar Pradesh.

PMGSY – II
• It was launched in 2013
• Objective
o To cover the up-gradation of existing selected rural roads based on their economic
potential and their role in facilitating the growth of rural market centres and rural
hubs.
• It was proposed to cover overall 50,000 km road length by up-gradation under the PMGSY-
II programme.
• Estimated cost – Rs.33,030 Crore

PMGSY – III
• It was launched in 2019
• Objective
o Consolidation of 1,25,000 Km Through Routes and Major Rural Links connecting
habitations, inter-alia, to Gramin Agricultural Markets (GrAMs), Higher Secondary
Schools and Hospitals
o Through routes – These are the routes which collect traffic from several link roads
and lead it to marketing centres.
• Estimated cost – Rs.80,250 Crore
• Timeline to complete the project is March 2025

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Update:
• Cabinet committee on economic affairs has given its approval for continuation of PMGSY –
I and PMGSY – II up to September 2022.
• Road Connectivity Project for Left Wing Extremism Affected Areas has also been extended
up to March 2023.
• Purpose - For completion of pending projects under the scheme.

Deendayal Antyodaya Yojana – National

Rural Livelihood Mission
Objective
• To reduce poverty by enabling the poor households to access gainful self-employment and
skilled wage employment opportunities.

Launch Year – 2011 as Aajeevika – NRLM but renamed as DAY – NRLM in 2015
• It is partially supported by World Bank
• Improved version of SwarnJayanti Gram Swarozgar Yojana

Implementation

The Mission seeks to reach out to around 10 Crore rural poor households in a phased
manner by 2022-23 and impact their livelihoods significantly

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Features

Universal Social • Atleast one woman member under SHG

• Special emphasis on PVTGs, PwDs, bonded labour
Mobilization

Participatory • All households identified as poor through PIP are the

beneficiaries.
Identification of Poor
• Community investment funds to the institutions of
Community funds poor

• Coordination with financial sector to provide

Financial Inclusion coverage of banks to the poor.

• Vulnerability reduction, Employment and enterprises

Livelihoods

Convergence and • Partnership with NGOs and CSOs for strategy and
implementation
partnerships

Support Structure

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Funding Pattern
• 60:40 between centre and states
• 90:10 between centre and N – E states
• 100% by centre for UTs

Sub – Schemes under DAY – NRLM

• Aajeevika Gramin Express Yojana
• Mahila Kisan Sashaktikaran Pariyojana
• Start – Up village entrepreneurship program
• National Rural Livelihood projects

Overdraft Facility for Women SHG under

DAY-NRLM
What: Ministry of Rural Development has launched an Overdraft facility for women SHG members
under DAY – NRLM.

Why: To meet immediate/emergency requirements of SHG members.

• It has been launched as a part of announcement made by finance minister in 2019-20

budget.
• Amount of overdraft – Rs.5000
• It is estimated that around 5 Crore women SHG members will get the benefit of this facility.

One GP One B C Sakhi Mission

What: DAY – NRLM dedicates 50,000 women SHG members as Business correspondents in the
rural areas.

Why: These Business Correspondents will provide doorstep services in every Gram Panchayat
(GP)
• The initiative has been named as the “One GP one B C Sakhi” mission
• It is proposed to deploy at least one B C Sakhi in the rural areas by the end of 2023-24.
• The women SHG members are provided one week's residential training at Rural Self
Employment Training Institutes (RSETIs) established by the Lead bank of the district
• They have to pass an online examination conducted by the Indian Institute of Banking and
Finance (IIBF)
• The cost of training and IIBF Certification is borne by the Ministry of Rural Development.
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DDU – Grameen Kaushalya Yojana (DDU-GKY)

(Updated)
Objectives
• Providing skill training to the rural youth
• Enhancing the income through the skill training.
• Cater to the career aspirations of the youth.

Launch year – 2014 (Antyodaya Diwas) under NRLM

Eligibility
• Rural youth – 15 to 35 years
• SC/ST/Women/PVTG/PWD/Transgender/other special groups like bonded labour etc. – Up
to 45 years

Features

Demand led skill training at no cost

Mandatory coverage of socially disafvantaged groups (SC/ST - 50%, Women -

33%, Minority - 15%, 3% for PwDs)

Shifting emphasis from training to career progression

Guaranteed placements for atleast 75% trained candidates

Implementation model: It is implemented in 3 tier implementation model

DDU - GKY National Unit - Policy making,

technical support and facilitation agency

DDU - GKY - State missions -

Implementation support

Project implementing agencies -

Implementing the program

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Assistance
• Post placement support of Rs.1000 per month to beneficiary’s bank account for a period of
two months in case he/she is placed within the district of domicile, for three months if
placed within the state of domicile and for six months in case the placement happens
outside the state of domicile
• The beneficiary could be placed in a foreign job, with a minimum salary of US $500 per
month

Special Initiatives under DDU – GKY

• Himayat: A special scheme for the youth (rural & urban) of Jammu & Kashmir.

• Roshni: A special initiative for the rural youth of poor families in 27 Left-wing Extremist
(LWE) districts across 9 states.

• Northeast Region: 10% of DDU-GKY programme funds are reserved for projects in North-
East.

Saansad Aadarsh Gram Yojana

Objective
• It is a village development project under which each member of parliament will take the
responsibility of developing physical and institutional infrastructure of three villages by
2019.
• After which 5 such aadarsh grams (1 per year) will be developed by 2024

Launch year – 2014

Identification of Aadarsh Gram

• A gram panchayat would be the basic unit

• It should have a population of 3000 – 5000 in plain areas and 1000 – 3000 in hilly, tribal
and difficult areas
• The MP is free to identify any village to be developed as an Aadarsh Gram other than
his/her own village or his/her spouse’s village

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Key activities under the scheme

Funding

• No new funds have been allocated for the yojana. Resources may be raised through
o Funds from existing schemes, such as the Indira Awas Yojana, Pradhan Mantri Gram
Sadak Yojana, Mahatma Gandhi National Rural Employment Guarantee Scheme, and
Backward Regions Grant Fund, etc.
o The Member of Parliament Local Area Development Scheme (MPLADS),
o The gram panchayat’s own revenue
o Central and State Finance Commission Grants
o Corporate Social Responsibility funds.

Shyama Prasad Mukherjee Rurban Mission

• Rurban cluster – It is a cluster of geographically adjacent villages with a population of
about 25000 to 50000 in plain and coastal areas and 5000 to 15000 in desert, hilly or
tribal areas

Objective
• To stimulate local economic development, enhance basic services and create well planned
Rurban clusters
• To attract investments in rural India and bridge the rural – urban divide
• To develop 300 rurban clusters in the 5 years

Launch year – 2016

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Components of the scheme

• Skill development training linked to economic activities

• Agro Processing, Agri Services, Storage and Warehousing.
• Fully equipped mobile health unit.
• Upgrading school/ higher education facilities
• Sanitation
• Provision of piped water supply.
• Solid and liquid waste management.
• Village streets and drains.
• Street light
• Inter-village road connectivity.
• Public transport.
• LPG gas connections
• Digital literacy.
• Citizen Service Centres (CSC) - for electronic delivery of citizen centric services/e-gram
connectivity.

➢ All the above – mentioned components will be implemented through the

convergence of centrally sponsored schemes, central sector scheme and state
government schemes.

Integrated cluster Action Plans

• The state governments prepare a detailed Integrated Cluster action plans (ICAP)
• ICAP consists of details of the schemes being converged, implementation framework
and the mission outcomes
• It also provides the tentative cost for the development of clusters

Institutional framework
• National level – National Mission Directorate headed by Joint secretary, MoRD supported
by a national mission management unit
• State level – Department of rural development or any agency or any department nominated
by state government
• District level – District project management unit at the district collector’s office
• Cluster level – Cluster development and management unit

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Empowered committees
• National level
o Empowered committee headed by secretary, MoRD
o It approves the ICAPs and critical gap funding submitted by states

• State level
o State level empowered committee headed by chief secretary
o It recommends or approves the ICAPs before submitting to the mission directorate
and empowered committee at national level

Project funding

• The project is being funded through convergence of various centrally sponsored, central
sector and state government schemes.
• If there has been any gap between the availability of funds from schemes and desired funds
for development then it would be fulfilled by Critical Gap Funding.
• The CGF is capped at 30% of the project cost or Rs.30 Crore whichever is less
• In desert, hilly and tribal areas, the CGF is capped at 30% of the project cost or Rs.15
Crore whichever is less
• Innovation budget – An additional amount of 5% of CGF has been provided as innovation
budget for research and development.

Steps to follow in the implementation of the scheme

• Designation of a state nodal agency

• Constitution of a state level empowered committee
• Identification of state technical support agencies
• Selection of clusters
• Approval of the rurban clusters
• Setting up of district level committees
• Preparation of ICAPs
• Setting up of state project management unit
• Setting up of district project management unit and cluster development and management
unit.
• Approval of ICAP by SLEC
• Submission of ICAP and CGF application to ministry
• Preparation of detailed project reports
• Submission of approved DPRs and CGF application to the SLEC.
• Submission of approved CGF application to the ministry.
• Project work started

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Aajeevika Grameen Express Yojana

(Updated)
Introduction:
• It is a new sub-scheme under Deendayal Antyodaya DAY-NRLM.
• It will provide safe, affordable and community monitored rural transport to connect remote
villages with key services and amenities.

Objective: Its main objective is to provide an alternative source of livelihood to members of Self
Help Groups (SHGs) and facilitate them to operate public transport services in backward rural
areas

Launch year – 2017

Financial Assistance – The beneficiary SHG member will be provided an interest free loan by the
CBO from its Community Investment Fund upto Rs.6.50 lakh for purchase of the vehicle.

Coverage:
• It will be implemented in 250 blocks in the country on a pilot basis for a period of 3 years
from 2017-18 to 2019-20.
• Each Block will be provided up to 6 vehicles to operate the transport services.

Working methodology: Under this scheme, Community Based Organisation (CBO) will provide
interest free loan from its own corpus to the Self Help Group members for purchase of vehicles.

National Social Assistance Program

(Updated)
Objective
• It is a social security and welfare programme to provide support to aged persons, widows,
disabled persons and bereaved families on death of primary bread winner, belonging to
below poverty line households.

Launch year – 1995

Merged schemes
(1) Indira Gandhi National Old Age Pension Scheme (IGNOAPS),
(2) Indira Gandhi National Widow Pension Scheme (IGNWPS),
(3) Indira Gandhi National Disability Pension Scheme (IGNDPS),

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(4) National Family Benefit Scheme (NFBS)

(5) Annapurna.

Eligibility Criteria and Scale of Assistance

• Indira Gandhi National Old Age Pension Scheme
▪ 60 years to 79 years – Rs.200 per month
▪ 80 years and above – Rs.500 per month

• Indira Gandhi National Widow Pension Scheme

▪ 40 years to 79 years – Rs.300 per month
▪ 80 years and above – Rs.500 per month

• Indira Gandhi National Disability Pension Scheme

▪ 18 years to 79 years – Rs.300 per month
▪ 80 years and above – Rs.500 per month

• National Family Benefit Scheme

▪ Rs.20,000 as one time assistance to the bereaved household in the event of death of
the breadwinner

• Annapurna Scheme
▪ 10 Kg of foodgrains (wheat or rice) per month per beneficiary

Funding
Under NSAP 100% Central Assistance is extended to the States/UTs to provide the benefits in
accordance with the norms, guidelines and conditions laid down by the Central Government.
Annapurna Scheme

• The scheme is under the Ministry of Rural development and Department of Food and Public
Distribution allocates food grains as per the requirements of the Ministry.

• Senior citizens of 65 years of age or above who are not getting pension under the National
Old Age Pension Scheme (NOAPS) are provided 10 kg of food grains per person per
month free of cost.

Mission Antyodaya (Updated)

• Objectives: To lend support to the process of participatory planning for Gram Panchayat
Development Plan (GPDP).
▪ Annual survey in Gram Panchayats across the country is an important aspect of Mission
Antyodaya framework.
▪ GPDP is a comprehensive exercise that uses both primary and secondary data for
preparing final plan document for any GP.

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• This survey presents secondary data to carry out gap analysis.

• Its data also serve as a key input in the preparation of block and district plans.
• Launch Year: 2017-18.
• Nodal Survey Agency: Department of Rural Development, Ministry of Rural Development.
• Coverage: It is conducted across all Gram Panchayats.
• Parameters: It collects village level data on 183 indicators under 216 data points of 21
sectors.
▪ The survey questions have been categorized into five stratums:
1. Panchayat Infrastructure.
2. Panchayat Services.
3. Village Infrastructure.
4. Village Services.
5. Village Practices.
▪ Its questionnaire has been translated in 13 regional languages.

DISHA initiative
Introduction:
• District Development Coordination and Monitoring Committee (DDCMC) is named as
―DISHA by the Ministry of Rural Development.
• It is for effective development coordination of almost all the programmes of Central
Government.
• It is a data intelligence platform that will provide all information to the elected
representatives to track the performance of all the major flagship schemes of the different
central ministries in their respective districts and constituencies.

Objective: The main purpose of this committee is to coordinate with Central and State and local
Panchayat Governments.

SECURE
• Software for Estimate Calculation Using Rural Rates for Employment (SECURE) aims to
improve quality of works through detailing of technical specifications, tasks and workflows.

• All estimates under MGNREGS will be generated with the use of SECURE (software) from
the Programme‘s Management Information System with effect from 1st April, 2018.

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Mahila Kisan Sashaktikaran Pariyojna

(Updated)
Objectives
• It is aimed at improving the capacities of women in agriculture to access the resources of
other institutions and schemes within a convergence framework
• To empower women by making systematic investments to enhance their participation and
create sustainable livelihood of rural women

Launch year – 2011 (as a sub-component of DAY-NRLM)

Specific objectives of the scheme are,

• Sustainable livelihood opportunities for women
• Enhance participation of women in a productive manner
• Enhance managerial capacities for better management of biodiversity
• Improve skills and capabilities to support farm and non-farm based activities

Focused area
• It focuses on promotion of sustainable agriculture practices such as:
o Community Managed Sustainable Agriculture (CMSA),
o Non Pesticide Management (NPM),
o Zero Budget Natural Farming (ZBNF),
o Pashu-Sakhi model for doorstep animal care services,
o Sustainable regeneration and harvesting of Non-Timber Forest Produce.

• Community Resource Persons (CRPs) play a proactive role in scaling up these initiatives.

Implementing Agency: The program is being implemented by DAY-NRLM in partnership with

State Rural Livelihood Missions/ Community Based Organizations (CBOs)/NGOs, as
implementing partners (PIAs) across the country.

Garib Kalyan Rojgar Abhiyan

What: Ministry of rural development is implementing Garib Kalyan Rojgar Abhiyan to provide
immediate employment and livelihood opportunities to returnee migrants

About the scheme

• Objective – To provide immediate employment and livelihood opportunities to returnee

migrants and rural population.

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• Launch year – 2020

• Ministry – Ministry of rural development
• It was launched from village Telihar, Khagadia district, Bihar.
• The scheme covers 116 districts (including 27 aspirational districts) across 6 states –
Assam, Bihar, Madhya Pradesh, Odisha, Rajasthan and Uttar Pradesh
• Rs.50,000 crore was allocated for building rural infrastructure under the scheme.

Digital India Land Records Modernization

Programme (Updated January 2023)
• Objective: To develop a modern, comprehensive and transparent land record management
system with the aim to develop an Integrated Land Information Management System.
• Launch Year: It was launched in 2008 as National Land Record Modernization
Programme.
▪ It was revamped and converted as a Central Sector Scheme in 2016.
• Duration: It has been extended for period of 5 years- 2021-22 to 2025-26.
• Funding: 100% from Centre.
• Implementing Ministry/Agency: Department of Land Resources under Ministry of Rural
Development.
• Benefits:
▪ Provides real-time information on land.
▪ Optimize use of land resources.
▪ Benefits both landowners & prospectors.
▪ Assists in policy & planning.
▪ Helps to reduce land disputes.
▪ Helps to check fraudulent / benami transactions.
▪ Obviate need of physical visits to Revenue/Registration offices
▪ Enable sharing of information with various organisations/agencies.

Integrated Land Information Management System

• It provides online single-window at-a-glance access to all available, relevant
information of any plot of land in question to land owners, concerned
agencies and interested persons etc.
• It includes linking with banks, courts, circle rates, registry, Aadhar number
(by consent), etc.
• It has been rolled out in 321 districts.

Unique Land Parcel Identification Number (ULPIN) or Bhu-Aadhar

• It is a 14-digit Alpha–numeric unique ID for each land parcel based on Geo-
coordinates of vertices of the parcel which is of international standard.

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• It complies with Electronic Commerce Code Management Association

(ECCMA) standard and Open Geospatial Consortium (OGC) standard.
• It contains ownership details of the plot besides its size and longitudinal and
latitudinal details.
• It facilitates real estate transactions, helps to resolve property taxation
issues and improve disaster planning and response efforts, etc.
• Implementation: So far, it has been rolled out in 24 States/UTs.

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