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Socio-Economic Welfare Schemes

Budget 2021-22

Health Systems

Rs. 64,180 crore outlay over 6 years for PM Aatma Nirbhar Swasth Bharat Yojana – a
new centrally sponsored scheme to be launched, in addition to NHM.

● National Institution for One Health, 17,788 rural and 11,024 urban Health and
Wellness Centers.
● 4 regional National Institutes for Virology.
● 15 Health Emergency Operation Centers and 2 mobile hospitals.
● Integrated public health labs in all districts and 3382 block public health units in 11
states.
● Critical care hospital blocks in 602 districts and 12 central institutions.
● Strengthening of the National Centre for Disease Control (NCDC), its 5 regional
branches and 20 metropolitan health surveillance units.
● Expansion of the Integrated Health Information Portal to all States/UTs to connect
all public health labs.
● 17 new Public Health Units and strengthening of 33 existing Public Health Units.
● Regional Research Platform for WHO South-East Asia Region, 9 Bio-Safety Level III
laboratories.

Nutrition

● Mission Poshan 2.0 to be launched:

● To strengthen nutritional content, delivery, outreach, and outcome.
● Merging the Supplementary Nutrition Programme and the Poshan Abhiyan.
● Intensified strategy to be adopted to improve nutritional outcomes across 112
Aspirational Districts.

Swachch Bharat, Swasth Bharat

Rs. 1,41,678 crores over 5 years for Urban Swachh Bharat Mission 2.0. Main
interventions under Swachh Bharat Mission (Urban) 2.0:

● Complete faecal sludge management and wastewater treatment.

● Source segregation of garbage.
● Reduction in single-use plastic.
● All Reduction in air pollution by effectively managing waste from construction-
and-demolition activities.
● Bio-remediation of legacy dump sites.
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PM-KISAN
It is a Central Sector Scheme with 100% funding from the Government of India.
● The Scheme is effective from 1.12.2018.
● Under the Scheme, income support of Rs.6000/- per year is provided to all farmer
families across the country in three equal instalments of Rs.2000/- each, every four
months.
● Definition of family for the Scheme is husband, wife and minor children.
● The entire responsibility of identification of beneficiary farmer families rests with the
State / UT Governments.
● The fund is directly transferred to the bank accounts of the beneficiaries.
● Farmers covered under the Exclusion Criteria of the Operational Guidelines are not
eligible for the benefit of the Scheme.
● For enrolment, the farmer is required to approach the local patwari / revenue officer /
Nodal Officer (PM-KISAN) nominated by the State Government.
● The Common Service Centres (CSCs) have also been authorized to do registration of the
farmers for the Scheme upon payment of fees.
● Farmers can also do their self-registration through the Farmers Corner in the portal.
Farmers can also know the status of their payment through the Farmers Corner in the
portal.
Special provisions have been made for the North-Eastern States where land ownership
rights are community-based, Forest Dwellers and Jharkhand, which does not have updated
land records and restrictions on the transfer of land.
The Scheme initially provided income support to all Small and Marginal Farmers’ families
across the country, holding cultivable land upto 2 hectares. Its ambit was later expanded to
cover all farmer families in the country irrespective of the size of their landholdings. Affluent
farmers have been excluded from the scheme such as Income Taxpayers in the last
assessment year, professionals like Doctors, Engineers, Lawyers, Chartered Accountants,
etc. and pensioners drawing at least Rs.10,000/- per month (excluding MTS/Class IV/Group
D employees).

Pradhan Mantri Kisan Maandhan Yojana

It is a government scheme meant for old age protection and social security of Small and
Marginal Farmers (SMF). All Small and Marginal Farmers having cultivable landholding up
to 2 hectares falling in the age group of 18 to 40 years, whose names appear in the land
records of States/UTs as on 01.08.2019 are eligible to get benefit under the Scheme.
Under this scheme, the farmers would receive a minimum assured pension of Rs 3000/- per
month after attaining the age of 60 years and if the farmer dies, the spouse of the farmer
shall be entitled to receive 50% of the pension as a family pension. Family pension is
applicable only to spouse.
On the maturity of the scheme, an individual will be entitled to obtain a monthly pension of
Rs. 3000/-. The pension amount helps pension holders to aid their financial requirements.
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The applicants between the age group of 18 to 40 years will have to make monthly
contributions ranging between Rs 55 to Rs 200 per month till they attain the age of 60.
He/ She should possess:
● Aadhaar card
● Savings Bank Account / PM- KISAN Account

Atal Pension Yojana

The Atal Pension Yojana (APY) is a Government of India Scheme launched on 9th May 2015,
with the objective of creating a universal social security system for all Indians, especially the
poor, the under-privileged and the workers in the unorganized sector.
● APY is open to all citizens (who are not members of any statutory social security
scheme) of India between 18-40 years of age having a savings bank account in a
bank or post-office.
● He/She must provide proof of possession along with their Aadhaar number or
undergo Aadhaar authentication.
● APY is being administered by PFRDA.
● Under the APY, the guaranteed minimum pension of Rs. 1,000/- or 2,000/- or 3,000/-
or 4,000/ or 5,000/- per month will be given at the age of 60 years depending on the
contributions by the subscribers.
● The Spouse of the Subscriber is also eligible for pension and the nominee would be
receiving the accumulated pension wealth.
● Contributions to the Atal Pension Yojana (APY) is eligible for tax benefits similar to
the National Pension System (NPS).

Pradhan Mantri Shram Yogi Maandhan Yojana

Pradhan Mantri Shram Yogi Maandhan is a government scheme meant for old age
protection and the social security of unorganized workers.
Unorganized Workers (UW) are mostly engaged as home-based workers, street vendors,
mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic
workers, washermen, rickshaw pullers, landless labourers, own-account workers,
agricultural workers, construction workers, beedi workers, handloom workers, leather
workers, audio- visual workers or workers in similar other occupations. There are
approximately 42 crore such unorganized workers in the country.
● It is a voluntary and contributory pension scheme under which the subscriber would
receive a minimum assured pension of Rs 3000/- per month after attaining the age
of 60 years and if the subscriber dies, the spouse of the beneficiary shall be entitled
to receive 50% of the pension as family pension.
● Family pension is applicable only to spouse.
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● The scheme is a tribute to the workers in the Unorganized sectors who contribute
around 50 per cent of the nation’s Gross Domestic Product (GDP).
● The applicants between the age group of 18 to 40 years will have to make monthly
contributions ranging between Rs 55 to Rs 200 per month till they attain the age of
60.
● Once the applicant attains the age of 60, he/ she can claim the pension amount.
Every month a fixed pension amount gets deposited in the pension account of the
respective individual.
Eligibility Criteria:
● For Unorganized Worker (UW)
● Entry age between 18 to 40 years
● Monthly Income Rs 15000 or below
Should not be:
● Engaged in Organized Sector (member of EPFO/NPS/ESIC)
● An income taxpayer
He/ She should possess:
● Aadhaar card
● Savings Bank Account / Jan Dhan account number with IFSC

Pradhan Mantri Jan-Dhan Yojana

PMJDY is National Mission for Financial Inclusion to ensure access to financial services,
namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an
affordable manner. It was launched initially for a period of 4 years (in two phases) on 28th
August 2014.
● Under the Yojana, a Basic Saving Bank Deposit (BSBD) account is opened without the
requirement of any minimum balance.
● PMJDY has provided a platform for the three social security schemes viz. Pradhan
Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana
(PMSBY), Atal Pension Yojana (APY) and Pradhan Mantri Mudra Yojana (PMMY).
● For the opening of accounts under PMJDY, the focus has now been shifted from
“every household to every adult”.
● Private Banks can open accounts under PMJDY.
● Public sector banks and major private banks have also apprised that Jan Dhan
accounts are not debited with any banks charges.
● A digital pipeline has been laid through linking of Jan-Dhan accounts as well as other
accounts with the account holders’ mobile numbers and Aadhaar (JAM trinity). This
infrastructure pipeline is providing the necessary backbone for DBT flows, adoption
of social security/pension schemes, etc.
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Out of around 126 crore operative CASA accounts as on 20th March 2020, more than 38
crores have been opened under PMJDY.

Pradhan Mantri MUDRA Yojana

Pradhan Mantri MUDRA Yojana (PMMY) is a scheme launched on April 8, 2015, for
providing loans up to Rs 10 lakhs to non-corporate, non-farm small/micro-enterprises.
These loans are classified as MUDRA loans under PMMY. These loans are given by
Commercial Banks, RRBs, Small Finance Banks, MFIs and NBFCs.
MUDRA has been initially formed as a wholly-owned subsidiary of Small Industries
Development Bank of India (SIDBI) with 100% capital being contributed by it.
Presently, the authorized capital of MUDRA is Rs 1000 crores.
Under the aegis of PMMY, MUDRA has created three products namely 'Shishu', 'Kishore' and
'Tarun'.
● Shishu
Covering Loans up to 50,000/-
● Kishore
Covering Loans Above 50,000/- and up to 5 Lakh
● Tarun
Covering Loans Above 5 Lakh and up to 10 Lakh

NOTE: MUDRA is a refinancing Institution. MUDRA does not lend directly to micro
entrepreneurs / individuals.

Welfare Schemes for Women & Children

1) Beti Bachao Beti Padhao (BBBP) Scheme
Government of India has introduced the Beti Bachao, Beti Padhao (BBBP) scheme for
survival, protection & education of the girl child. It aims to address the issue of declining
Child Sex Ratio (CSR) through a mass campaign across the country targeted at changing
societal mindsets & creating awareness about the criticality of the issue.
● The specific objectives of the scheme are:
o prevent gender-biased sex selective elimination
o ensure survival and protection of the girl child
o ensure education and participation of the girl child through coordinated and
convergent efforts.
● It is a joint initiative of the Ministry of Women and Child Development, Ministry of
Health and Family Welfare and Ministry of Human Resource Development.
● The BBBP scheme was launched on 22nd January 2015.
● Now it is being implemented in 640 districts and all these districts are covered
through advocacy and media campaign. Out of these districts, 405 are covered under
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Multi-Sectoral Intervention in which 100% Centrally Sponsored Scheme grant is

provided directly to DM/DC for BBBP.
● BBBP scheme has provision for awards and recognitions but no provision for direct
individual cash transfer for any strata of society including daughters of poor women.
It is not a DBT (Direct Benefit Transfer) scheme.
2) One Stop Centre Scheme
Popularly known as Sakhi Centres, it is being implemented across the country since 1st April
2015. As on date, around 680 OSCs have been set up across 35 States/UTs.
As per the OSC Scheme, OSCs are required to facilitate women affected by violence (both in
private and public spaces) with a range of integrated services under one roof including
police facilitation, medical aid, legal aid and legal counselling, psycho-social counselling and
temporary shelter, and are to be located within 2 kms radius of the hospitals or medical
facilities.
It is a Centrally Sponsored Scheme that is funded by the Nirbhaya Fund.
3) Pradhan Mantri Ujjwala Yojana (PMUY)
Government of India launched Pradhan Mantri Ujjwala Yojana (PMUY) to provide 8 crore
deposit free LPG connections to poor households in the country. Prime Minister Shri
Narendra Modi launched PMUY on 1.5.2016 from Ballia, Uttar Pradesh.
● The Scheme aims to provide clean cooking fuel to poor households and replace the
unhealthy conventional cooking fuels such as firewood, cow dung, etc. The use of
LPG has its benefits on the health of women and children, environment and
economic productivity of women.
● LPG connection is released in the name of adult woman of a poor family.
● Identification of the BPL families is done through Socio-Economic Caste Census Data.
● Under the Scheme, cash assistance upto Rs 1600/- for providing a new LPG
connection is provided by the Central Government.
● The beneficiary bears the cost of Hot Plate and purchase of the first refill.
● It is being implemented by Ministry of Petroleum & Natural Gas.
● IOCL, BPCL and HPCL have implemented the Scheme in all the States/UTs of the
country in a mission mode and achieved the target of 8 crore connections, seven
months ahead of the timelines set (March 2020).
● The highly popular scheme has benefited over 14.6 million BPL families in Uttar
Pradesh, 8.8 million in West Bengal, 8.5 million in Bihar, 7.1 million in Madhya
Pradesh and 6.3 million in Rajasthan.
LPG coverage has increased from 55% to 97.4%. The scheme has acted as one of the biggest
catalysts of socio-economic change in the status of women in the country.
4) The Ujjawala Scheme
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This scheme is for the prevention of trafficking, rescue, rehabilitation, re-integration and
repatriation of victims of trafficking for commercial sexual exploitation.
These rehabilitative centres are given financial support for providing shelter and basic
amenities such as food, clothing, medical care, legal aid; education in the case the victims
are children, as well as for undertaking vocational training and income generation activities
to provide the victims with alternate livelihood option.
5) INTEGRATED CHILD DEVELOPMENT SERVICES (ICDS) SCHEME
Launched on 2nd October 1975, the Integrated Child Development Services (ICDS) Scheme is
one of the flagship programmes of the Government of India and represents one of the
world’s largest and unique programmes for early childhood care and development.
The beneficiaries under the Scheme are children in the age group of 0-6 years, pregnant
women and lactating mothers (PW&LM).
Objectives of the Scheme are:
● to improve the nutritional and health status of children in the age-group 0-6 years;
● to lay the foundation for proper psychological, physical and social development of
the child;
● to reduce the incidence of mortality, morbidity, malnutrition and school dropout;
● to achieve effective co-ordination of policy and implementation amongst the various
departments to promote child development; and
● to enhance the capability of the mother to look after the normal health and
nutritional needs of the child through proper nutrition and health education.
Following sub-schemes are covered under this umbrella scheme:
● Anganwadi Services Scheme
● Pradhan Mantri Matru Vandana Yojana
● National Creche Scheme
● POSHAN Abhiyaan
● Scheme for Adolescent Girls
● Child Protection Scheme
Scheme for Adolescent Girls aims at out of schoolgirls in the age group 11-14, to empower
and improve their social status through nutrition, life skills and home skills. The scheme has
nutritional and non-nutritional components which include:
● nutrition; iron and folic acid supplementation; health checkup and referral service;
nutrition and health education;
● mainstreaming out of schoolgirls to join formal schooling bridge course/ skill
training; life skill education, home management, etc; counselling/ guidance on
accessing public services.
National Creche Scheme provides daycare facilities to children of age group of 6 months to
6 years of working women. The facilities are provided for 7.5 hours a day for 26 days in a
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month. Children are provided with supplementary nutrition, early childcare education, and
health and sleeping facilities.
Child Protection Services Scheme aims to contribute to the improvement and the well-being
of children in difficult circumstances, as well as, reduction of vulnerabilities to situation and
actions that leads to abuse, neglect, exploitation, abandonment and separation of children
from parent. The Scheme aims to spread awareness regarding the ways and means to
prevent all children from child abuse of any kind including child sexual abuse.
6) Pradhan Mantri Matru Vandana Yojana
Pradhan Mantri Matru Vandana Yojana (PMMVY), a flagship scheme of the Government for
pregnant women and lactating mothers has achieved a significant milestone by crossing one
crore beneficiaries.
The total amount disbursed to the beneficiaries under the scheme has crossed Rs. 4,000
crores.
● PMMVY is a direct benefit transfer (DBT) scheme under which cash benefits are
provided to pregnant women in their bank account directly to meet enhanced
nutritional needs and partially compensate for wage loss.
● Implementation of the scheme started with effect from 01.01.2017.
● Under the ‘Scheme’, Pregnant Women and Lactating Mothers (PW&LM) receive a
cash benefit of Rs. 5,000 in three installments on fulfilling the respective
conditionality, viz. early registration of pregnancy, ante-natal check-up and
registration of the birth of the child and completion of the first cycle of vaccination
for the first living child of the family.
● The eligible beneficiaries also receive cash incentives under Janani Suraksha Yojana
(JSY). Thus, on an average, a woman gets Rs. 6,000.
● The maternity benefits under Pradhan Mantri Matru Vandana Yojana (PMMVY) are
available to all Pregnant Women and Lactating Mother (PW&LM), except those who
are in regular employment with the Central Government or State Government or
Public Sector Undertaking.
● The maternity benefits under Pradhan Mantri Matru Vandana Yojana (PMMVY) are
available to the eligible beneficiaries for their first living child.
7) POSHAN Abhiyaan
Several schemes like Anganwadi Services, Scheme for Adolescent Girls and Pradhan Mantri
Matru Vandana Yojna (PMMVY), under the Umbrella Integrated Child Development Services
(ICDS) Scheme, are examples of direct targeted interventions to address the problem of
malnutrition among women and children in the country.
Government has set up POSHAN Abhiyaan on 18.12.2017 for a three-year time frame
commencing from 2017-18. The goals of POSHAN Abhiyaan are:

S.No. Objective Target

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Prevent and reduce Stunting in children

1. By 6% @ 2% p.a.
(0- 6 years)

Prevent and reduce under-nutrition (underweight prevalence)

2. By 6% @ 2% p.a.
in children (0-6 years)

Reduce the prevalence of anaemia among young children (6-

3. By 9% @ 3% p.a.
59 months)

Reduce the prevalence of anaemia among Women and

4. Adolescent Girls in the age group of 15-49 years.
By 9% @ 3% p.a.

5. Reduce Low Birth Weight (LBW). By 6% @ 2% p.a.

It targets to bring down stunting of the children in the age group of 0-6 years from 38.4% to
25% by the year 2022.

Accessible and affordable healthcare

Ayushman Bharat-Pradhan Mantri Jan Aarogya Yojana (AB-PMJAY)
This is the “world’s largest government funded healthcare program” targeting more than 50
crore beneficiaries.
BENEFITS UNDER THE SCHEME:
● Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana (PMJAY) will provide a cover of
up to Rs. 5 lakhs per family per year, for secondary and tertiary care
hospitalization.
● Approximately 50 crore beneficiaries will be eligible for these benefits as per Socio-
Economic Caste Census data through empanelled hospitals. All public hospitals in
the States implementing the scheme, are deemed empanelled.
● PMJAY provides cashless and paperless access to services for the beneficiary at the
point of service.
● PMJAY helps in reducing catastrophic expenditure for hospitalizations, which
impoverishes people and will help mitigate the financial risk arising out of
catastrophic health episodes.
● It is a visionary step towards advancing the agenda of Universal Health Coverage
(UHC).
FEATURES OF THE SCHEME:
It adopts a continuum of care approach, comprising of two inter-related components:
● Creation of 1,50,000 Health and Wellness Centres which will bring health care closer
to the homes of the people.
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● The second component is the Pradhan Mantri Jan Arogya Yojana (PMJAY) which
provides health protection cover to poor and vulnerable families for secondary and
tertiary care.
The Health and Wellness Centres will play a critical role in creating awareness about PMJAY,
screening for non-communicable diseases, follow-up of hospitalization cases among others.
Prime Minister Narendra Modi lauded the efforts made in the health sector as India
achieved a major milestone of providing benefits to over 50 Lakh people under the
Ayushman Bharat Scheme.

Welfare Schemes for SC, ST & OBC

1) Scheme of Grant in Aid to Voluntary Organisations working for SC & OBC/DNT/EBC
(MoSJ&E)
● The main objective behind the scheme is to involve the voluntary sector and training
institutions of repute to improve the educational and socio-economic conditions of
the target groups.
● To upgrade skill to enable them to start income-generating activities on their own or
get gainfully employed in some sector or the other.
The principle that good voluntary organizations should not only be assisted but also
consciously built up has been the guiding spirit behind the formulation of the Scheme.

2) Scheme of Free Coaching for SC and OBC Students (MoSJ&E)

The objective of the Scheme is to provide coaching of good quality for economically
disadvantaged Scheduled Castes (SCs) and Other Backward Classes (OBCs) candidates to
enable them to appear in competitive examinations and succeed in obtaining an appropriate
job in Public/Private Sector.
Implementing Agencies: The Scheme will be implemented through the reputed coaching
institutions/centres run by the:
● Central Government/State Governments/UT Administrations/PSUs/Autonomous
Bodies under Central/State Governments;
● Universities (both Central and State) including the Deemed Universities and Private
Universities recognized by concerned authority; and
● Registered private institutions/NGOs.
The courses for which the coaching will be imparted include competitive examinations
UPSC/SPSC/SSC Grp. A & B examinations, IIT-JEE, Medical & Management examinations, etc.
3) BABU JAGJIVAN RAM CHHATRAWAS YOJNA (BJRCY) (MoSJ&E)
This scheme for the construction of hostels for Scheduled Caste (SC) students is one of the
means to enable and encourage children/students belonging to these Castes (SC) to attain
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quality education. Such hostels are immensely beneficial to the students hailing from rural
and remote areas of the country.
● The primary objective of the revised scheme is to attract implementing agencies for
undertaking the construction of hostels, especially for SC girls, towards the broader
vision of containment and reduction of their dropout rate.
● The other objectives are: (i) having a girls hostel with a capacity of 100 seats, in every
block headquarters of low literacy districts not having one as of now, by way of
priority, (ii) repairing and proper maintenance of hostels, and (iii) having an effective
mechanism for monitoring, review, etc.
4) Credit Enhancement Guarantee Scheme for the Scheduled Castes (SCs) (MoSJ&E)
“Entrepreneurship” relates to entrepreneurs managing businesses that are oriented
towards innovation and growth technologies. The spirit of the above-mentioned fund is to
support those entrepreneurs who will create wealth, value for the society, create jobs and
in turn, will develop confidence and at the same time promote profitable businesses.
The objectives of the Scheme are as below:
● It is a Social Sector Initiative to be implemented nationally in order to promote
entrepreneurship among the scheduled caste population in India.
● Promote entrepreneurship amongst the Scheduled Castes who are oriented towards
innovation and growth technologies.
● To support, by way of providing Credit Enhancement Guarantee to Banks and
Financial Institutions, who will be providing financial assistance to the Scheduled
Caste Entrepreneurs.
5) Pradhan Mantri Adarsh Gram Yojana (MoSJ&E)
PMAGY aims for integrated development of selected villages having more than 50%
Scheduled Caste (SC) population through implementation of existing scheme of Central and
State Governments in a convergent manner.
As per the scheme, details for a village to be declared as Adarsh village a minimum of three
of the targets listed below have to be achieved by the end of the third year of
implementation of PMAGY: -
As far as possible, elimination of poverty, but the reduction in its incidence by at least 50%
within three years. Few criteria are:
● Universal adult literacy
● 100% enrolment and retention of children at the elementary stage (I-VIII).
● Access to safe drinking water facilities to all villagers on a sustainable basis.
● 100% institutional deliveries for pregnant women
● Full immunisation of children
● No child marriages, and child labour
6) Eklavya Model Residential Schools (MoTA)
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The scheme of Eklavya Model Residential Schools (EMRSs) was introduced in the year 1997-
98 with an objective to provide quality middle and high-level education to Scheduled Tribe
(ST) students in remote areas in order to enable them to avail of reservation in high and
professional educational courses and get jobs in government and public and private sectors.
● As per budget announcement 2018-19, every block having 50% or more ST
population and at least 20,000 ST persons is to have an EMRS by the year 2022.
● A total number of 438 EMRSs have so far been sanctioned by the Ministry, out of
which 285 are functional. As per existing guidelines, the total number of EMRSs
being set up upto the year 2022 is 740.
7) Self-Employment Scheme for Rehabilitation of Manual Scavengers (MoSJ&E)
The Self-Employment Scheme for Rehabilitation of Manual Scavengers (SRMS) was
introduced in January 2007.
● The objective was to rehabilitate the remaining manual scavengers and their
dependents in alternative occupations.
● After the enactment of ‘Prohibition of Employment as Manual Scavengers and their
Rehabilitation Act, 2013’, SRMS was revised in synchronization with the provision of
the Act.
● As per the revised Scheme, identified manual scavengers, one from each family, are
provided one-time cash assistance. The identified manual scavengers and their
dependents are provided project-based back-ended capital subsidy up to Rs.
3,25,000 and concessional loan for undertaking self-employment ventures.
● Beneficiaries are also provided training for skill development for a period up to two
years, during which a stipend of Rs. 3,000 per month is also provided.
● National Safai Karamcharis Finance & Development Corporation (NSKFDC) has a
leading role in this, regarding awareness campaigns.
National Safai Karamcharis Finance & Development Corporation (NSKFDC), a wholly-owned
Govt. of India Undertaking under the Ministry of Social Justice & Empowerment (M/o SJ&E)
was set up on 24th January 1997 as a Company "Not for Profit" under Section 25 of the
Companies Act, 1956.
The schemes/programmes of NSKFDC are implemented through State Channelizing
Agencies (SCAs) nominated by the State Govts. /UT Administrations, Regional Rural Banks
(RRBs) and Nationalised Banks.

Welfare Schemes for Senior Citizens

1) Pradhan Mantri Vaya Vandana Yojana
Government also launched the scheme namely ‘Pradhan Mantri Vaya Vandana Yojana’
(PMVVY) to protect elderly persons aged 60 years and above against a future fall in their
interest income due to the uncertain market conditions, as also to provide social security
during old age.
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● The scheme provides an assured return of 8% per annum for 10 years.

● The differential return i.e. the difference between return generated by LIC and the
assured return of 8% per annum is borne by Government of India as subsidy on
annual basis.
● Mode of pension payment is monthly, quarterly, half-yearly and annually based on
option exercised by the subscriber.
● The minimum purchase price under the scheme is Rs.1.5 lakh per family for a
minimum pension of Rs. 1,000/- per month and the maximum purchase price has
been enhanced from Rs.7.5 lakh per family to Rs 15 lakh per senior citizen for a
maximum pension of Rs. 10,000/- per month.
2) Rashtriya Vayoshri Yojana
Rashtriya Vayoshri Yojana (RVY) is a scheme for providing Physical Aids and Assisted-living
Devices for Senior citizens belonging to BPL category (should hold valid BPL card issued by
the concerned authority).
● This is a Central Sector Scheme, fully funded by the Central Government. The
expenditure for implementation of the scheme will be met from the "Senior Citizens'
Welfare Fund".
● The Scheme will be implemented through the sole implementing agency - Artificial
Limbs Manufacturing Corporation (ALIMCO), a PSU under the Ministry of Social
Justice and Empowerment.
● DEVICES SUPPORTED: Walking sticks, Elbow crutches, Walkers/Crutches,
Tripods/Quadpods, Hearing Aids, Wheelchair, Artificial Dentures, Spectacles.
● Artificial Limbs Manufacturing Corporation (ALIMCO) will undertake one-year free
maintenance of the aids & assisted living devices.

Welfare Schemes for Minorities

1) Hamari Dharohar Scheme
The Ministry of Minority Affairs formulated “Hamari Dharohar” scheme for preservation of
rich heritage and culture of minority communities of India in 2014-15.
● The scheme aims to support the curation of iconic exhibitions, calligraphy, research
and development, etc.
● Under this scheme, the funding is project-based and not State/District-wise.
2) Nai Udaan- Scheme
Ministry of Minority Affairs is implementing the scheme Nai Udaan- Scheme for Support to
Minority Students for preparation of Main Examination, who clear Prelims conducted by
Union Public Service Commission, Staff Selection Commission, State Public Service
Commissions
The objective of the Scheme is to provide financial support to the minority candidates and
to increase the representation of the minority in the Civil Services.
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3) Employment-oriented Skill Development Initiatives

● Seekho Aur Kamao- It is a placement linked skill development programme.
● Nai Manzil – A scheme for formal school education & skilling of school dropouts
● Gharib Nawaz Employment Training for providing short-term job-oriented skill
development courses to youths belonging to minority communities (MAEF)
● National Minorities Development and Finance Corporation – NMDFC provides
concessional loans to minorities for self-employment and income-generating
ventures.
4) Pradhan Mantri Jan Vikas Karyakram (PMJVK)
It is an area development scheme.
● The Ministry has identified 1300 backward Minority Concentration Areas (MCAs) for
the implementation of this scheme.
● It is a Centrally Sponsored Scheme for creating socio-economic infrastructure as well
as basic amenities for uplifting the quality of life of minorities in the MCAs. The
amenities are meant for all segments of society including minorities.
● The thrust of the Scheme is to allocate at least 80% of the resources for education,
health and skill development, out of which 33-40% are to be specifically allocated
for women-centric projects.

Welfare Schemes for PwD

1) Accessible India Campaign
Department of Empowerment of Persons with Disabilities (DEPwD) has launched Accessible
India Campaign (Sugamya Bharat Abhiyan) as a nation-wide Campaign for achieving
universal accessibility for Persons with Disabilities (PwDs).
It has the following three important components
● Part A: Built Environment Accessibility
An accessible physical environment benefits everyone, not just persons with disabilities.
Measures should be undertaken to eliminate obstacles and barriers to indoor and outdoor
facilities including schools, medical facilities, and workplaces. These would include not only
buildings, but also footpaths, curb cuts, and obstacles that block the flow of pedestrian
traffic.
● Part B: Transportation System Accessibility
Transportation is a vital component for independent living, and like others in society, PwDs
rely on transportation facilities to move from one place to another. The term transportation
covers a number of areas including air travel, buses, taxis, and trains.
● Part C: Information and Communication Eco-System Accessibility
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Access to information creates opportunities for everyone in society. Access to information

refers to all information. People use information in many forms to make decisions about
their daily lives. This can range from actions such as being able to read price tags, to
physically enter a hall, to participate in an event, to read a pamphlet with healthcare
information, to understand a train timetable, or to view webpages. No longer should
societal barriers of infrastructure, and inaccessible formats stand in the way of obtaining
and utilizing information in daily life.
2) Disha (Early Intervention and School Readiness Scheme)
This scheme aims at setting up Disha Centres for early intervention for Person with Disability
(PwD) in 0-10 years of age covered under the National Trust Act, through therapies,
trainings and providing support to family members.
About the Scheme
● Early intervention and school readiness scheme.
● Children in the age group of 0-10 years are eligible.
● Provision of Therapies, trainings and providing support to family members.
● Day-care facilities to PwD for at least 4 hours in a day.
● Batch size 20 PwDs.
● RO should maintain a ratio of 1:1 for LIG (including BPL) and above LIG PwDs.
NOTE: Other notable schemes for the upliftment of PwDs include Vikaas, Samarth, Sahyogi,
Prerna, Sambhav, Badhte Kadam etc.
Atma Nirbhar Bharat Abhiyan
On 12 May 2020, Prime Minister announced a special economic and comprehensive
package of Rs 20 lakh crore - equivalent to 10% of India’s GDP under the Atma Nirbhar
Bharat Abhiyan or Self-Reliant India Movement.
He also outlined five pillars of Atmanirbhar Bharat – Economy, Infrastructure, System,
Vibrant Demography and Demand.
The Finance Minister announced the following policy reforms to fast track investment in an
effort towards Aatma Nirbhar Bharat:
Pradhan Mantri Garib Kalyan Package (1)
Rs. 1.70 Lakh Crore relief package under Pradhan Mantri Garib Kalyan Yojana for the poor to
help them fight the battle against Corona Virus:
• Insurance cover of Rs 50 Lakh per health worker
• 80 crore poor people given the benefit of 5 kg wheat or rice per person for a certain
period
• 1 kg pulses for each household for free every month for a certain period
• 20 crore women Jan Dhan account holders get Rs 500 per month for a certain period
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• Gas cylinders, free of cost, provided to 8 crore poor families for a certain period
• Increase in MNREGA wage to Rs 202 a day from Rs 182 to benefit 13.62 crore families
• Ex-gratia of Rs 1,000 to 3 crore poor senior citizen, poor widows and poor Divyang.
Pradhan Mantri Garib Kalyan Package (2)
• Front-loaded Rs 2,000 paid to farmers under existing PM-KISAN to benefit 8.7 crore
farmers
• Building and Construction Workers Welfare Fund allowed to be used to provide relief to
workers
• Five crore workers registered under Employee Provident Fund EPF to get a non-refundable
advance of 75% of the amount or three months of the wages, whichever is lower, from their
accounts
• Limit of collateral-free lending to be increased from Rs 10 to Rs 20 lakhs for Women Self
Help Groups supporting 6.85 crore households.
• District Mineral Fund (DMF) to be used for supplementing and augmenting facilities of
medical testing, screening etc.
In this topic, we discussed the social welfare schemes being implemented by the
government of India including provisions in the budget 2021-22, PM KISAN, Pradhan Mantri
Kisan Maandhan Yojana, Atal Pension Yojana, Pradhan Mantri Shram Yogi Maandhan
Yojana, Pradhan Mantri Jan-Dhan Yojana, Pradhan Mantri MUDRA Yojana, Ayushman
Bharat-Pradhan Mantri Jan Aarogya Yojana (AB-PMJAY), Welfare Schemes for SC, ST & OBC,
Welfare Schemes for Senior Citizens, Welfare Schemes for Minorities, Welfare Schemes for
PwD and Atma Nirbhar Bharat Abhiyan.