All Government Schemes In News In 2024 I Detailed Explanation I Lecture-1 Hindi

All Government Schemes In News In 2024 I Detailed Explanation I Lecture-1 Hindi

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Pradhan Mantri Jan Dhan Yojana (PMJDY)

Under PMJDY, a basic savings bank deposit (BSBD) account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any other account.

Launch Date – 28th August 2014
Motto- Mera Khaata, Bhagya Vidhata (My account, fortune maker)

Benefits under PMJDY

One basic savings bank account is opened for unbanked person.
No requirement to maintain any minimum balance in PMJDY accounts.
Interest is earned on the deposit in PMJDY accounts.
Rupay Debit card is provided to PMJDY account holder.
Accident Insurance Cover of Rs.1 lakh.(Enhanced to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card i ssued to the PMJDY account holders.
An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.

Pradhan Mantri Mudra Yojana (PMMY)

PMMY is a flagship scheme of the Government of India to extend affordable credit to micro and small enterprises. Loans under this scheme are available to non-corporate, non-farm micro or small enterprises engaged in income generation through manufacturing, trading and services.

There are three types of Mudra loans depending on the loan amount:

Shishu – Up to Rs. 50,000
Kishor – Rs. 50,000 to Rs. 5 lakh
Tarun – Rs. 5 lakh to Rs. 10 Lakh

Sovereign Gold Bonds Scheme (SGBs)

SGBs are government securities denominated in grams of gold. They are substitutes for holding physical gold. The Bond is issued by Reserve Bank on behalf of Government of India.

Launch Date – November 2015

Eligible investors include :

Individuals
HUFs
Trusts
Universities
Charitable institutions

Minimum and maximum limit for investment
Minimum investment in the Bond shall be one gram with a maximum limit of subscription of 4 kg for individuals and Hindu Undivided Family (HUF) and 20 kg for trusts and similar entities.

Senior Citizen Saving Schemes (SCSS)

Senior Citizens’ Saving Scheme (SCSS) is a government-backed retirement benefits programme. Senior citizens resident in India can invest a lump sum in the scheme, individually or jointly, and get access to regular income.
Senior citizens can open an SCSS account in a Post Office branch or an authorised bank.

Pradhan Mantri Ujjwala Yojana (PMUY)

PMUY is a flagship scheme which aims to make clean cooking fuel such as LPG available to the rural and deprived households.Which were otherwise using traditional cooking fuels such as firewood, coal, cow-dung cakes etc.
Usage of traditional cooking fuels had detrimental impacts on the health of rural women as well as on the environment.

Launch Date – 1st May 2016
Place – Ballia, Uttar Pradesh
Tagline – Swachh Indhan Behtar Jeevan
Ministry – Ministry of Petroleum and Natural Gas (MOPNG)
Target – 8 Crore LPG Connections to the deprived households by March 2020

Pradhan Mantri Ujjwala Yojana 2.0
Launch date – August, 2021
Place – Mahoba, Uttar Pradesh
Target – Additional allocation of 1.6 Crore LPG Connections by January 2022. Government approved another 75 lakh connection Scheme’s current target is 10.35 crore.

Pradhan Mantri Rashtriya Bal Puraskar

The Pradhan Mantri Rashtriya Bal Puraskar honors children under 18 for exceptional achievements in fields like innovation, sports, and bravery. Awardees receive a medal, certificate, and cash prize.

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