PRADHAN MANTRI JAN DHAN YOJANA:

Launched on 28th August 2014

The Objective of “Pradhan Mantri Jan-Dhan Yojana (PMJDY)”
is ensuring access to various financial services like
availability of basic savings bank account, access to need-
based credit, remittances facility, insurance and pension to
the excluded sections i.e. weaker sections & low-income
groups.
Benefits of schemes are
1. Interest on deposit.
2. Accidental insurance cover of Rs.1Lakh
3. No minimum balance required
4. Life insurance cover of Rs.30,000
5. Overdraft facility after 6 months.
6. Access to Pension, insurance products.
7. RuPay Debit Card.
8. Overdraft facility up to Rs.5000/- is available in only one
account per household.
 PRADHAN MANTRI JAN DHAN YOJANA
• It is a flagship financial inclusion scheme launched in 2014 for 4 years and was later approved to
continue beyond.
• The scheme facilitates the opening of bank accounts with zero balance for every household to ensure
access to financial services in an affordable manner.
• There are some special benefits like free accident insurance cover, over draft facility for the account
holders.
• The first phase of the scheme focused on opening basic bank accounts and RuPay debit card with
inbuilt accident insurance cover of Rs 1 lakh. 
• The 2nd phase (2015-2018) planned to provide micro-insurance to the people and pension schemes to
unorganized sector workers through Business Correspondents.
• The government has decided to provide the facility of opening zero balance account from every
household to every adult.
• The overdraft facility has also been increased to Rs.10,000 with no conditions attached to avail upto
Rs.2000.
• The free accident insurance cover for new RuPay card holders has been doubled to Rs 2 lakh.
• Also, the upper age limit for availing the overdraft facility has been hiked to 65 from the earlier 60
years.
MUDRA BANK YOJANA : (Micro Unit
Development and Refinance Agency Bank
Launched on 8th April 2015.
MUDRA will provide credit up to Rs.10 lakh to small
entrepreneurs & act as a regulator of Microfinance
institutions. The Objective of the scheme is to
encourage entrepreneurs and small business units to
expand their capabilities and to reduce indebtedness.
Schemes offered by MUDRA bank are:
• Shishu-the starters-covers loan up to Rs.50,000
•Kishor-the mid-stage finance seekers-covers loan
above Rs.50,000 and up to Rs.5,00,000.
•Tarun-growth seekers- covers loan above Rs.5,00,000
and up to Rs. 10,00,000
PRADHAN MANTRI JEEVA JYOTI BIMA YOJANA:

Launched on 9th May 2015.

It is government backed life
insurance scheme. It is open all
sects of Indian civilians
Age limit: 18 to 50 years of age.
Annual premium- Rs.330 per year for
life cover of Rs.2,00,000.
PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA
• It offers coverage for death due to any reason and is available to people in the
age group of 18 to 50 years (life cover up to age 55) having a savings bank
account who gives their consent to join and enable auto-debit.
• A life cover of Rs. 2 lakhs is available for a one-year period at a premium of
Rs.330/- per annum per member and is renewable every year.
• It is administered through LIC and other Indian private Life Insurance
companies.
• A person can join PMJJBY with one Insurance company with one bank
account only.
• Eligible persons can join the scheme without giving self-certification of good
health.
• A death certificate and simple claim form is required to submit and the claim
amount will be transferred to the nominee‘s account.
PRADHAN MANTRI SURAKSHA BIMA YOJANA:

Launched on 9th May 2015.

The government scheme is accident
insurance coverage and is affordable
for all sects of people.
Age limit: 18-70 years
Annual premium: Rs.12 per year.
Coverage: accidental death and full
disability of Rs.2,00,00 and Rs.1,00,000
for partial disability.
ATAL PENSION SCHEME:

Launched on 9th May 2015

The Atal pension scheme is targeted at
unorganised sector workers. Depending
upon the contribution, the beneficiary will
get guaranteed pension of Rs.1000 to
Rs.5000 per month. Govt will contribute 50%
of total contribution or Rs.1000 whichever is
lower.
Age limit: 18-40 years
The pension will start at the age of 60 years.
 ATAL PENSION YOJANA
• The coverage under the then existing Swavalamban Scheme was inadequate due to non-clarity of
benefits at the age of 60 years.
• To address this concern, the Government announced a new initiative called Atal Pension Yojana (APY)
in the Budget for 2015-16. With this introduction, the enrolment under Swavalamban has been closed
and the eligible subscribers were automatically migrated to the APY unless they opt out.
• Under the APY, the subscribers would receive the fixed pension ranging from Rs. 1000 - Rs. 5000 per
month, at the age of 60 years, depending on their contributions.
• It focuses on all citizens in the unorganised sector, who join the National Pension System (NPS)
administered by the Pension Fund Regulatory and Development Authority (PFRDA). It is open to all
bank account holders who are not members of any statutory social security scheme.
• It mainly targets on unorganised sector workers.
• The age of joining APY is 18 years to 40 years. Therefore, minimum period of contribution by the
subscriber under APY would be 20 years or more.
• The Central Government would also co-contribute 50% of the subscriber‘s contribution or Rs. 1000 per
annum, whichever is lower for a period of 5 years up to 2020.
• The same pension would be paid to the spouse of the subscriber and on the demise of both the
subscriber and spouse, the accumulated pension wealth is returned to the nominee.  The scheme
follows the same investment pattern as applicable to the NPS contribution of Central Govt employees. 
APY can be opened through banks, Postal department and also through eNPS platform
PRADHAN MANTRI SANSAD ADARSH GRAM
YOJANA:
Launched on 11th October 2014
Under this scheme, MPs will be
responsible for developing the socio-
economic and physical infrastructure
of three villages each by 2019. A total
of eight villages by 2024.The first
Adarsh gram must be developed by
2016 and more by 2019. Total of 6433
Adarsh Grams of 265000 gram
Panchayat will be created by 2024.
Deen Dayal Upadhyaya Gram Jyoti Yojana:

• DDUGJY is a Government of India scheme

aimed to provide continuous power supply to
rural India.
• It is one of the key initiatives of Modi
Government and it aims to supply 24×7
uninterrupted power supplies to all homes.
• The government plans to invest Rs 75,600 crore
for rural electrification under this scheme.
• The scheme will replace the existing Rajiv
Gandhi Grameen Vidyutikaran Yojana.
UDAAN PROJECT:

• The Special Industry Initiative J&K ‘Udaan’ Scheme is to provide

skills and enhance the employability of 40,000 youth over a period of
five years in key high growth sectors.
• The scheme is being implemented by the National Skill Development
Council (NSDC) and the corporate sector in PPP mode.
Udaan also aims to provide a platform that empowers girl students
and provides them with better learning opportunities.
• The human resource development (HRD) ministry programme is
designed to provide a comprehensive platform to deserving girl
students aspiring to pursue higher education in engineering and
assist them in preparing for the IIT-JEE while studying in Classes 11
and 12.
DIGITAL INDIA:
The Government of India has launched the Digital India programme with the vision to
transform India into a digitally empowered society and knowledge economy

Launched on 1st July 2015.

Digital India is keyed on three key areas –
1. Digital Infrastructure as a Utility to Every Citizen
2. Governance & Services on Demand
3. Digital Empowerment of Citizens
Pillars of Digital India –
1. Broadband Highways
2. Universal Access to Phones
3. Public Internet Access Programme
4. e-Governance – Reforming government through Technology
5. e-Kranti – Electronic delivery of services
6. Electronics Manufacturing – Target NET ZERO Imports
7. IT for Jobs
8. Early Harvest Programmes
 Digital India
• It is a programme to transform India into digital empowered society and knowledge economy.
• The scheme is coordinated by the department of Electronics and IT and implemented by all government departments. 
• The scheme is to be monitored by a Digital India committee comprised of several ministers.
• Digital India has three core components. These includes
• 1. The creation of digital infrastructure,
• 2. Delivering services digitally,
• 3. Digital literacy
9 Key points of Digital India Programme are
• 1. Universal Access to Phones
• 2. Broadband Highways
• 3. Public Internet Access Programme
• 4. e-Governance – Reforming government through Technology
• 5. e-Kranti – Electronic delivery of services
• 6. Information for All
• 7. Electronics Manufacturing – Target NET ZERO Imports
• 8. IT for Jobs
• 9. Early Harvest Programmes It is an umbrella programme which includes the hitherto National Optical Fiber Network (NOFN) to connect
2, 50,000gram Panchayats by providing internet connectivity to all citizens.
Digital India includes development of an electronic development fund and envisages Net-Zero Electronics Import Target by 2020. Common
Service Centres (CSC)  Common Services Centers (CSC) scheme is one of the mission mode projects under the Digital India Programme,
Ministry of Electronics and IT.
 Smart Cities
• The objective is to promote sustainable and inclusive cities that provide
core infrastructure and give a decent quality of life to its citizens, a
clean and sustainable environment and application of Smart‘ Solutions.
• The focus is on creating a replicable model which are meant to set
examples that can be replicated both within and outside the Smart City,
catalyzing the creation of similar Smart Cities in various regions and
parts of the country.
• Core infrastructure elements
• 1. Water Supply
• 2. Assured electricity supply
• 3. Sanitation, including solid waste management
• 4. Efficient urban mobility and public transport
• 5. Affordable housing, especially for the poor
• 6. Robust IT connectivity and digitalization
• 7. Good governance, especially e-Governance and citizen participation
• 8. Sustainable environment
• 9. Safety and security of citizens, particularly women, children and the elderly
• 10. Health and education.
 Components of Smart Cities Mission
1. City improvement (Retrofitting),
2. City renewal (Redevelopment),
3. City extension plus a Pan-city initiative in which Smart Solutions are applied
covering larger parts of the city.
Approach - Area-based development.
Selection Process–Each state will get at least one smart city.
Each aspiring city competes for selection as a smart city in what is called a ‗City
Challenge‘. There are two stages in the selection process.
The State/UT begins with shortlisting the potential smart cities.
The first stage of the competition will be intra-state based on the criteria specified and
the highest scoring potential smart cities will be recommended to Mo UD.
The 100 such potential smart cities nominated by all the States and UTs will prepare
Smart City Plans which will be rigorously evaluated in the Stage-2 of the competition
for prioritizing cities for financing.
The chosen ones will get Central fund of Rs 500 crore in the course of 5 years.
Implementation -By Special Purpose Vehicles (SPV) which will be promoted by the
State/UT and the Urban Local Body (ULB) jointly both having 50:50 equity
shareholding.
SKILL INDIA:
Launched by PM Narendra Modi on 15th July
2015.
Skill India focuses on creating jobs for youth,
the govt has decided to revamp the antiquated
industrial training centres that will skill over
20 lakh youth annually and create 500 million
jobs by 2020.
The initiative was launched on the occasion of
world youth skills day.
Samsung recently signed a major deal in
providing hands-on training to youths for
employment and improving the skills at the
same time.
MAKE IN INDIA:
Launched on 25th September 2014.
The main Objective of Make in India initiative is :
•To promote India a manufacturing hub.
•Economic transformation in India
•To eliminate unnecessary law and regulation.
25 sectors have been included in Make in India
scheme.
Some of the sectors are automobiles, chemicals,IT,
pharmaceuticals, textiles, leather, tourism and
hospitality, design manufacturing, renewable
energy,mining and electronics.
SWACHH BHARAT:

Launched on 2nd October 2014.

Swachh Bharat Abhiyan is a national campaign by the
government of India aims to accomplish the vision of
clean India by 2nd October 2019. A performance ranking on
Swachh Bharat Abhiyan of 476 cities in the country, based
on the extent of open defecation and solid waste
management practices, released by the Ministry of Urban
Development recently.
Top 10 cities are: Mysore, Tiruchirapalli, Navi Mumbai, Kochi,
Hassan, Mandhya, Bengaluru, Thiruvananthapuram,
Halisahar, Gangtok.
 Swachh Bharat Mission
• SBM is intended at accelerating the efforts to achieve universal sanitation
coverage.
• It aims at achieving Open Defecation Free (ODF) nation and a Swachh Bharat
(Clean India) by 2nd Oct, 2019, the 150th anniversary of Mahatma Gandhi.
• SBM is being implemented by the Ministry of Urban Development in urban
areas & by the Ministry of Jal Shakti in rural areas.
• Objectives - Elimination of open defecation, Eradication of Manual
Scavenging, Modern and Scientific Municipal Solid Waste Management,
• To effect behavioural change regarding healthy sanitation practices,
Generate awareness about sanitation and its linkage with public health,
Capacity Augmentation for ULB‘s and Creating an enabling environment for
private sector participation.
Components –
• 1. Household toilets, including conversion of insanitary latrines into pour-flush
latrines;
• 2. Community toilets
• 3. Public toilets
• 4. Solid waste management
 Swachh Bharat Mission
• Implementation - Behaviour change is the primary focus and fundamental tool for achievement of ODF outcomes.
• This is carried out through the Ministry's focused Information, Education and Communication (IEC) programme. 
• It also promotes gender sensitive information, behaviour change guidelines and various mass education activities.
• Funding - States will contribute a minimum of 25% funds towards all components to match 75% Central Share. This will be
10% in the case of North East and special category States. Swachh Manch
• It is a web-based platform which aims to bring together every stakeholder contributing to the Swachh Bharat Mission under
a common platform.
• It will allow stakeholders to create/invite/participate in volunteering opportunities around neighborhoods.
• It will enable uploads of pictorial evidence of citizens and organizations participating in the initiatives as acknowledgement
of their efforts and contributions to the cause of ‗swachhata‘.
• It will also be integrated with the existing Swachhata App to act as a citizens‘ grievance redressal platform. SBM ODF Plus
and ODF Plus Plus Protocol
• To make ODF achievements sustainable and address the issue of holistic sanitation, there is a need to address the entire
sanitation value chain.
• SBM ODF Plus (ODF+) & ODF Plus Plus (ODF ++) are geared towards achieving this objective.
• The SBM ODF Plus (ODF+) protocol focuses on sustaining community/ pubic toilet usage by ensuring their functionality,
cleanliness and maintenance.
• The SBM ODF plus Plus (ODF ++) will focus on achieving sanitation sustainability by addressing complete sanitation value
chain, including safe containment, processing and disposal of fecal sludge and septage.
 Pradhan Mantri Kisan Samman Nidhi
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) is a central sector scheme that guarantees direct income support of Rs
6,000 for farmers.
Eligibility - It will be given per year to all landholder farmers‘ families in the country except,
• 1. All Institutional Land holders.
• 2. Farmer families in which one or more of its members belong to following categories,
a) Former and present holders of constitutional post.
b) Former and present - Ministers/ State Ministers, M.Ps (Lok sabha& Rajya Sabha), MLAs (SLA & SLC)
c) Former and present Mayors of Municipal Corporations, Chairpersons of District Panchayats.
d) All serving or retired officers and employees of Central/ State Government Ministries /Offices/Departments and its field units Central or
State PSEs and Attached offices /Autonomous Institutions under Government as well as regular employees of the Local Bodies.
e) All superannuated/retired pensioners whose monthly pension is Rs.10,000/-or more (Excluding Multi Tasking Staff / Class IV/Group D
employees)
f) All Persons who paid Income Tax in last assessment year.
g) Professionals like Doctors, Engineers, Lawyers, Chartered Accountants, and Architects registered with Professional bodies and
carrying out profession by undertaking practices.
The amount will be given in three installments of Rs.2000 each.
The amount will be transferred directly to the bank account of beneficiaries through Direct Benefit Transfer. DBT will
ensure transparency in the entire process and will save time for the farmers. 
This is to help them meet farm input and other costs during the crop season.
The programme would be made effective retrospectively from December 1, 2018.  The changes in land records after
February 1, 2019 shall not be considered for this scheme. 
State Government and UT Administration will identify the farmer families which are eligible for support as per scheme
guidelines. 
Other Features - The cash transfer is not linked to the land size and hence it becomes an income supplement to
landowning households.  It has left the landless tenants out of its scope
 PM KISAN MAAN DHAN YOJANA
• It is a new central sector and pension scheme for only small and marginal
farmers who own less than 2 hectares of land. (while PM-KISAN is for all
farmers)
• Under this Scheme, a minimum fixed pension of Rs.3,000/- is provided to the
eligible small and marginal farmers, on attaining the age of 60 years.
• It is a voluntary and contributory pension scheme, with entry age of 18 to 40
years.
• The beneficiary is required to make a monthly contribution of between Rs.55/-
to Rs.200/- to the Pension Fund, depending on the age of entry into the Scheme.
Central Government will contribute equally to the beneficiary‘s contribution.
• The pension fund is managed by the Life Insurance Corporation of India (LIC).
• Farmers can also allow contribution to be made directly from the benefits drawn
from the PM-KISAN scheme.
• The beneficiary may exit from the scheme voluntarily or on failure of
contribution or on demise.
• The beneficiaries may opt voluntarily to exit the Scheme after a minimum
period of 5 years of regular contributions.
 PM Kisan Maan Dhan Yojana (CONTD)
On exit, only their contribution shall be returned by LIC with an interest equivalent to
• i. Prevailing saving bank rates (within 10 years)
• ii. Either accumulated interest actually earned by the Pension Fund or the interest at the savings bank interest
rate , whichever is higher.
The spouse is also eligible to get a separate pension of Rs.3000/- upon making separate contributions to the Fund.
On the death of the subscriber during the period of contribution, the spouse shall have the option of continuing the
Scheme by paying regular contribution.
If the spouse does not wish to continue, the total contribution made by the farmer along with interest will be paid to
spouse.  If there is no spouse, then total contribution along with interest will be paid to the nominee.
If the farmer during the receipt of pension, the spouse or heir shall be entitled to receive 50% of the pension as family
pension, provided he/she is not already an SMF beneficiary of the Scheme.
After the death of both the farmer and the spouse, the accumulated corpus shall be credited back to the Pension Fund.
Exception – The beneficiary should not be covered under any other statuary social security schemes and it includes
exceptions under PM-KISAN scheme.
It aims to cover around 3 crores Small and Marginal Farmers.
The initial enrollment to the Scheme is being done through the Common Service Centres in various states.
 National Bamboo Mission
It is a Centrally Sponsored Scheme to supplement farm income with the development of complete value chain of bamboo
sector and link growers with markets
• Its Objectives are,
• 1. To increase the area under bamboo plantation in non-forest Government and private lands.
• 2. To improve post-harvest management through establishment of innovative primary processing units and market
infrastructure.
• 3. To promote product development by assisting R&D, entrepreneurship & business models at MSME level.
• 4. To rejuvenate the underdeveloped bamboo industry in India.
• 5. To promote skill development, capacity building, awareness generation for development of bamboo sector.
• 6. To realign efforts so as to reduce dependency on import of bamboo and bamboo products by improved
productivity.
• The Mission would adopt the following strategies,
• 1. Development of bamboo in limited States where it has social, commercial and economical advantage
• 2. Production of genetically superior planting material
• 3. Adoption of end to end solution.
• 4. Capacity building.
• 5. Set up National, State and sub-State level structures, to ensure adequate returns and eliminate middlemen
• For popularizing use of bamboo & bamboo-based products, seminars, conferences, awareness campaign at National,
State & District Levels and also through print and electronic media are organised under the restructured NBM.
 PRADHAN MANTRI ANNADATA AAY SANRAKSHAN ABHIYAN
PM-AASHA is a new umbrella scheme aimed at ensuring remunerative prices to the farmers for their produce. The three
components that are part of AASHA are:
• 1. Price Support Scheme
• 2. Price Deficiency Payment Scheme
• 3. Pilot of Private Procurement and Stockist Scheme
The other existing schemes of Department of Food and Public Distribution for procurement of paddy, wheat and nutri-
cereals/coarse grains and of Ministry of Textile for cotton and jute will be continued for providing MSP to farmers for these
crops.
PSS - Under the PSS, physical procurement of pulses, oilseeds and copra will be done by Central Nodal Agencies.
Besides, NAFED and Food Cooperation of India will also take up procurement of crops under PSS.
The expenditure and losses due to procurement will be borne by the Centre.

PDPS - Under the PDPS, the Centre proposes to cover all oilseeds for which MSP is notified.
The difference between the MSP and actual selling/modal price will be directly paid into the farmer's bank account.
Farmers who sell their crops in recognised mandis within the notified period can benefit from it.
This scheme does not involve any physical procurement of crops as farmers are paid the difference between the MSP
price and Sale/modal price on disposal in notified market.
PPSS - In the case of oilseeds, States will have the option to roll out PPSSs in select districts. Under this, a private player
can procure crops at MSP when market prices drop below MSP and whenever authorized by the state/UT government to
enter the market.
The private player will then be compensated through a service charge up to a maximum of 15% of the MSP
 GREEN REVOLUTION - KRISHONNATI YOJANA
It is an umbrella scheme comprises of 11 Schemes/Missions which looks to develop the agriculture and allied sector in a holistic manner to
increase the income of farmers.
The 11 schemes/missions are,
• 1. Mission for Integrated Development of Horticulture aims to promote holistic growth of horticulture sector.
• 2. National Food Security Mission including National Mission on Oil Seeds and Oil Palm (NMOOP), aims to increase production of
rice, wheat, pulses, coarse cereals and commercial crops, through area expansion and productivity enhancement.
• 3. National Mission for Sustainable Agriculture aims at promoting sustainable agriculture practices best suitable to the specific agro-
ecology.
• 4. Sub-Mission on Agriculture Extension aims to strengthen the ongoing extension mechanism of State Governments, local bodies
etc., achieving food and nutritional security.
• 5. Sub-Mission on Seeds and Planting Material aims to increase production of certified / quality seed, to increase SRR, to upgrade the
quality of farm saved seeds.
• 6. Sub-Mission on Agricultural Mechanization aims to increase the reach of farm mechanization to small and marginal farmers and to
the regions where availability of farm power is low.
• 7. Sub-Mission on Plant Protection and Plan Quarantine aims to minimize loss to quality and yield of agricultural crops from the
ravages of insect pests, diseases, weeds, nematodes, rodents, etc.
• 8. Integrated Scheme on Agriculture Census, Economics and Statistics aims to undertake the agriculture census, study of the cost of
cultivation of principal crops etc.
• 9. Integrated Scheme on Agricultural Cooperation aims to provide financial assistance for improving the economic conditions of
cooperatives, remove regional imbalances.
• 10. Integrated Scheme on Agriculture Marketing aims to develop agricultural marketing infrastructure and to establish a nationwide
marketing information network.
• 11. National e-Governance Plan (NeGP-A) aims to improve access of farmers to information &services throughout crop-cycle and
integrate the existing ICT initiatives of Centre and States.  All these schemes/missions were appraised and approved independently
as separate scheme/mission.  In 2017-18, it has been decided to club all these schemes / missions under one umbrella scheme
'Green Revolution - Krishonnati Yojana'. 1.7 Mission Organic Value Chain Development
PRADHAN MANTRI FASAL BIMA YOJANA
• It is to provide comprehensive insurance coverage against crop loss. 
• It is compulsory for farmers availing crop loans for notified crops in notified areas and voluntary
for nonloanee farmers. 
• Premium rate - There is no capping in premium and one premium rate on pan-India basis. It is
1.5%, 2% and 5% for all Rabi, Kharif and annual horticultural/commercial crops, respectively.
• There is no upper limit on the government subsidy i.e the difference between premium and
insurance charges paid by the farmer. 
• Losses covered - Non-Preventable risk such as Natural Fire, Storm, Hailstorm, Cyclone and
Inundation has also been included as a localized calamity. Post-Harvest losses also covered.
• A cluster approach will be adopted under which a group of districts with variable risk profile will
be allotted to an insurance company  Use of Remote Sensing Technology, Smart phones & Drones
for quick estimation of crop losses to ensure early settlement of claims.
• Concerns - The shortcomings in the design of the PMFBY include –
• i. the involvement of banks in the mandatory insurance of the crops grown by borrower farmers
• ii. the assessment of damages on the basis of average crop loss in a given contiguous area rather than in the farmer‘s
field
• The banks usually adjust the compensation amount against the loans without the consent or
knowledge of the farmers
ELECTRONIC NATIONAL AGRICULTURE MARKET
• e-NAM is a pan-India electronic trading portal which networks the
existing APMC mandis (physical market)to create a unified national
market for agricultural commodities.
• It is a virtual market but it is connected to a mandis at the back end
and promotes genuine price discovery.
• Funding - Funded by Agri-Tech Infrastructure Fund (ATIF) which is set
up through the Small Farmers Agribusiness Consortium (SFAC).
• License - Liberal licensing of traders and commission agents by state
authorities and one license for a trader is valid across all markets in the
state.
• Market Fee - Single point levy on the first wholesale purchase from the
farmer. Implementation - A Central Sector Scheme. Willing states enact
suitable provisions in their APMC act for integration with the e-
platform.
• Soil Testing Laboratories available in the mandis itself.
• SFAC will be the lead agency for the development of the National e-
Market by the Ministry of Agriculture, and they will select a service
 National Food Security Mission
• It is a centrally sponsored scheme.
• It is launched to enhance the production of Rice, Wheat, Pulses,
Coarse Cereals and commercial crops (Cotton, jute and Sugarcane).
• Targets - Production of rice, wheat and pulses would be increased by
10, 8, 4 million tonnes respectively and Coarse cereals by 3 million
tonnes.
• Funding - 50:50 by Centre and State for food crops and 100% centre
funding for cash crops.
• It would be implemented through cluster demonstration, distribution
of high yield seeds with farm mechanization, &Integrated pest
management.
• (Note - National Food Security Act is different from the Mission and
the act is administered by the Ministry of Consumer Affairs).
PRADHAN MANTRI KRISHI SINCHAYEE YOJANA
• Main objectives are –
• 1. Extending the coverage of irrigation
• 2. Improving water use efficiency End to end solution on source creation, distribution, management, field
application and extension activities.
• It is formulated by amalgamating ongoing schemes
• Accelerated Irrigation Benefit Programme (AIBP) - Ministry of Water Resources, River Development & Ganga
Rejuvenation (MoWR,RD&GR).
• Integrated Watershed Management Programme (IWMP) - Department of Land Resources (DoLR), Ministry of Rural
Developement.
• On Farm Water Management (OFWM) - Department of Agriculture and Cooperation (DAC).
• Implementation - Decentralised manner through State Irrigation Plan and District Irrigation Plan.
• Micro Irrigation Fund - The fund was set up with an initial corpus of Rs.5,000 crore under the scheme with NABARD.
• NABARD will extend the loan to State Governments to mobilise resources to achieve the annual target of about 2
million ha/year during the remaining period of 14th Finance commission.
• It would supplement the efforts of Per Drop More Crop Component (PDMC) of Pradhan Mantri Krishi Sinchayee
Yojana.
RKVY-RAFTAAR Rashtriya Krishi Vikas Yojana (RKVY)
• RKVY-RAFTAAR Rashtriya Krishi Vikas Yojana (RKVY) is an ongoing centrally sponsored
scheme started from XI Five Year Plan period.
• RKVY has been approved to continue as RKVY- Remunerative Approaches for Agriculture and
Allied sector Rejuvenation (RKVY-RAFTAAR) for three years i.e. 2017-18 to 2019-20.
• The scheme will incentivize States in enhancing more allocation to Agriculture to achieve 4%
growth rate. 
• It will provide considerable flexibility and autonomy to states in planning and executing
programmes for investment in agriculture and allied sectors.
• The funds would be shared by 60:40 between Centre and States (90:10 for North Eastern States
and Himalayan States).
• The allocations are based up on the State plan expenditure for Agricultural sectors which is
determined based on the average expenditure incurred by the State Government during the three
years prior to the previous year.
• The preparation of the District and State Agriculture Plans is mandatory and encourages
convergence with other programmes such as NREGS.
• It will also strengthen farmer‘s efforts through creation of agriculture infrastructure that help in
supply of quality inputs, market facilities etc.  Sub-schemes under RKVY include
• 1. Bringing Green Revolution to Eastern India (BGREI)
• 2. Additional Fodder Development Programme (AFDP)
• 3. Saffron Mission
• 4. Crop Diversification Program.
• 5. Livestock Health & Disease Control / Foot & Mouth Disses (FMD)
• 6. Beekeeping
PRADHAN MANTRI BHARTIYA JAN AUSHADHI PARIYOJANA
• It is a direct market intervention scheme of the Department of Pharmaceuticals.  Its
objective is to make available quality generic medicines at affordable prices to all, especially
the poor, throughout the country, through outlets known as Jan Aushadhi Stores (JASs).
• It also encourages doctors to prescribe generic medicines and reduces unit cost of
treatment per person.
• The State Governments are required to provide space in Government Hospital premises or
any other suitable locations for the running of the JAS‘.
• Any Civil Society with experience of minimum 3 years of successful operation in welfare
activities can also open the JAS outside the hospital premises.
• PM Bhartiya Janaushadhi Pariyojana Kendras may also be opened by any Government
agencies in any Government building owned by Government bodies.
• Individual Entrepreneurs/Pharmacist/Doctor can also open the Jan Aushadhi Kendra at
outside of the hospital premises or any other suitable place.
• Bureau of Pharma PSUs of India (BPPI) is the implementing agency which will provide one-
time assistance in furnishing and establishment costs of the outlet. It is a self-sustaining
business model not dependent on continuous government subsidies or assistance.
• Earlier, only medicines manufactured by Central Public Sector Undertakings (CPSU) were
being supplied to Kendra. Later medicines which the CPSU‘s not able to supply are being
made from private manufacturers.
 START UP INDIA SCHEME
• It aims at fostering entrepreneurship and promoting innovation by creating an ecosystem that is conducive for growth of Start-ups.
• According to the scheme, an entity headquartered in India shall be considered as a Startup up to 10 years from the date of its incorporation/ registration.
• The annual turnover should also not exceed INR 100 crore in any preceding financial year and Entity should not have been formed by splitting up or
reconstructing a business already in existence.
• It provides –
• 1. Simple Compliance Regime for startups based on Self-certification.
• 2. Single window clearance based on mobile App.
• 3. Startup India Hub to handhold startups during various phases of their development
• 4. Legal support and fast-track patent examination by reducing 80% of the patent cost.
• 5. Faster exit for startups through modified new bankruptcy code ensuring 90 days exit window.
• 6. Credit Guarantee Fund for startups through Small Industries Development Bank of India (SIDBI).
• 7. Providing funding support through a Fund of Funds with a corpus of Rupees 10,000 crore
• 8. Tax exemption on capital gains invested in Fund of Funds.
• 9. Tax exemption to startups for 3 years.
• 10. Exemption from labour inspection for 3 years.
• 11. Launch of innovation hub through Atal Innovation Mission (AIM) with Self –Employment and Talent Utilization (SETU) Program of NITI Aayog
• 12. Harnessing private sector expertise for setting up incubators.  No letter of recommendation from an incubator/industry association shall be required
for either recognition or tax benefits.
• The initiative is also aimed at promoting entrepreneurship among SCs/STs, women communities. Rural India's version of Startup India was named the Deen
Dayal Upadhyay Swaniyojan Yojana, which is developed by Rural development ministry backed by MUDRA loans.
• The Swaniyojan Yojana will be funded by the existing National Rural Livelihood Mission of the rural development ministry. Startup Academia Alliance Programme
• Startup India has recently launched the Startup Academia Alliance programme.
• It is a unique mentorship opportunity between academic scholars and startups working in similar domains.
• It aims to reduce the gap between scientific research and its industrial applications in order to increase the efficacy and impact of these technologies.  The first
phase of the programme was launched in partnership with Regional Centre for Biotechnology and TERI. 4.3 Integrate to Innovate
 National Broadband Mission
• The mission aimed at providing broadband access in all villages in the
country by 2022.
• Under the mission, the government plans to lay incremental 30 lakh route km
of Optical Fiber Cable.
• The Centre will work with States and UTs for having consistent policies
pertaining to expansion of digital infrastructure including for Right of Way
(RoW) approvals required for laying of optical fibre cable.
• It aims to increase tower density from 0.42 to 1 tower per thousand of
population by 2024.
• It entails investments of around Rs.7 lakh crore from various stakeholders.
• Additionally, a Broadband Readiness Index will be developed to measure the
availability of digital communications infrastructure within a State/UT.
• Other Objectives - Creation of a digital fiber map of the Digital
Communications network and infrastructure, including Optical Fiber Cables
and Towers, across the country.
• Investment from stakeholders of USD 100 billion (Rs 7 Lakh Crore) including
Rs 70,000 crore from Universal Service Obligation Fund (USOF).
 BHARAT NET
• It is an ambitious programme of department of telecommunication to provide network
infrastructure with affordable broadband connectivity on a non-discriminatory basis
to all households in the country.
• It aimed to realize the vision of Digital India, in partnership with States and the
Private Sector.
• The programme, previously called as the National Optical Fibre Network, was
approved in October 2011.
• It is implemented in three phases 1. First phase - providing broadband connectivity
to one lakh gram panchayats by 2017 2. Second Phase – providing broadband
connectivity to 2 lakh gram panchayats by 2019 3. Third Phase – providing state-of-art
network using fibers between districts and block with reduced redundancy by 2023.
• Implementation will be done by the states, state agencies, private sector companies
and central PSUs.
• All the Service Providers like Telecom Service Providers (TSPs), ISPs, Cable TV
operators etc. will be given non-discriminatory access to the National Optic Fibre
Network and can launch various services in rural areas.
• It is funded from Universal Service Obligation Fund, which will be its nodal agency.
• Bharat Broadband Network, a SPV created under companies Act, mandated to create
NOFN in India.
 MAKE II SCHEME
• Make II Scheme corresponds to Make in India initiative in
Defence production.
• The provision of 'Make' category in Defence procurement
Procedure is a pillar for realising the vision behind Make in
India.
• Make Scheme fosters indigenous capabilities through design &
development of required defence equipment/product/upgrades
by both public and private sector industry in a faster time frame.
• Make I scheme is Government-funded and the projects under
‗Make-I‘ sub-category will involve Government funding of 90%.
• Make II scheme is Industry-funded and the projects involve
development of products/equipment for which no government
funding will be provided for development purposes.
 MISSION RAKSHA GYAN SHAKTI
Mission Raksha Gyan Shakti (Power of Defence Knowledge) was
launched to provide a boost to the IPR culture in indigenous defence
industry.
It aims at educating scientists and technologists in defence public
sector undertakings and ordnance factories OFs to create more patents.
A target has been set to train approximately 10,000 persons of OFs and
DPSUs on IPR in the financial year 2018-19 under the mission.
The Directorate General of Quality Assurance (DGQA) has been
entrusted with the responsibility of coordinating and implementing the
programme.
 One Rank One Pension Scheme
• The scheme promises equal pension to military personnel retiring in
the same rank with the same length of service, regardless of the date
of retirement.
• OROP would be fixed based on the calendar year 2013 as the average
of minimum and maximum pension in 2013 and those drawing
pensions above the average will be protected.
• Only those who retired before the plan kicked in would be entitled to
OROP.
• Personnel who voluntarily retire will not be covered under the OROP
scheme. In future, the pension would be re-fixed every 5 years.
• The estimated cost to exchequer is expected to be Rs 8,000 to 10,000
Crore and will increase in future.
• The government has proposed a review every five years.
 JAL SHAKTI ABHIYAN
The Jal Shakti Abhiyan (JSA) is a time-bound, mission-mode water conservation
campaign.
It will run in two Phases:
i. Phase 1 from 1st July to 15th September 2019 for all States and Union
Territories
ii. Phase 2 from 1st October to 30th November 2019 for States and UTs receiving
the retreating monsoon
The latter includes Andhra Pradesh, Karnataka, Puducherry and Tamil Nadu.
Officers, groundwater experts and scientists from the Government will work together
with state and district officials in India‘s most water-stressed districts.  These are the
255 districts having critical and over-exploited groundwater levels. The focus is on
water conservation and water resource management by focusing on accelerated
implementation of five target intervention.
The campaign was not intended to be a funding programme and did not create any
new intervention on its own.
It only aimed to make water conservation a ‗people‘s movement‘ through ongoing
schemes like the MGNREGA and other government programmes.
 Namami Gange Programme
• It is an integrated Conservation Mission for Ganga Rejuvenation by consolidating the existing ongoing efforts and
planning for a concrete action plan for future.  The programme covers 8 states such as Uttarakhand, U.P, Bihar, W.B,
Jharkhand, M.P, Haryana and Delhi.
• It involves developments of Ghats and beautification of River Fronts at Kedarnath, Haridwar, Kanpur, Varanasi,
Allahabad, Patna and Delhi through multi-sectoral, multi-dimensional approach.
• Key Ministries involved in Ganga Rejuvenation -Ministry of Jal Shakti, Environment, Forests & Climate Change,
Shipping, Tourism, Urban Development and Rural Development.
• The programme is 100% centrally funded. It is scheduled to be completed by 2020.
• Interventions taken under Namami Ganga includes,
Sustainable Municipal Sewage management (Coordination with Ministry of Urban Development).
• 1. Managing Sewage from Rural Areas.
• 2. Managing Industrial discharge and pollution abatement
• 3. Enforcing River Regulatory Zones on Ganga Banks, Restoration and conservation of wetlands, efficient irrigation
methods.
• 4. Ensuring ecological rejuvenation by conservation of aquatic life and biodiversity.
• 5. Promotion of Tourism and Shipping in a rational and sustainable manner.
• 6. Knowledge Management on Ganga through Ganga Knowledge Centre.
Under the aegis of National Mission for Clean Ganga (NMCG) & State Programme Management Groups (SPMGs) States
and ULBs and PRIs will be involved in this project. Establishment of Clean Ganga Fund to encourage contributions from
citizens for river conservation
 Jeevan Pramaan
One of the main requisites for the pensioners to avail pension is to
provide Life Certificates (LCs).
Jeevan Pramaan aims to streamline the process of getting LCs by
making it hassle free and easier to get.
It is an AADHAR Biometric Authentication based digital life certificates
for Pensioners and facilitates online submission.
It will do away with the requirement of a pensioner having to submit
a physical LC every year, in order to ensure continuity of pension
being credited into their account.
Digital Submission also ensures authenticity of pension payments.
•
UDE DESH KA AAM NAGRIK
UDAN/Regional Connectivity Scheme‘s objective is to facilitate affordable regional air connectivity.
• Airports Authority of India (AAI) is the implementing agency.
• It offers concessions to the airlines to encourage them to fly on regional routes.
• Concession include operating subsidies like levies or charges imposed by the airport operators, excise duty at 2% and VAT at 1% on aviation turbine fuel,
parking charges at airports and exempting these operations from the GST net.
• The maximum airfare has been capped at Rs 2500 for a one-hour journey of approximately 500 kilometres on an aircraft or for a 30-minute journey on a
helicopter.
• The selected airlines will have to commit 50% of the seats on RCS flights (3-7 operational flights/week) and all seats up to 13 passenger seats on
helicoptersas RCS seats.
• A Regional Connectivity Fund (RCF) will be created to subsidise operations under the RCS.  The central government will fund 80% of the losses incurred
and the rest will be covered by the states.
• This is provided through the Viability Gap Funding (VGF) to the selected airline operators from RCF, and state governments will be required to reimburse the
applicable share.
• VGF will be provided for three years from the date of commencement of operations of such RCS flights.  In general, central and state contributions for VGF
are 80:20 and for the north-eastern states & union territories it is 90:10.  Benefits under the Scheme will be available for a period of 10 years from the date of
its notification.
• RCS will be made operational only in states and at airports which are willing to provide concessions required under the Scheme.  Earlier, there was a
requirement of 150 km minimum distance between two airports to be qualified for operations under the scheme. But later it was abolished.  Maharashtra is
the first state to sign agreement with centre for RCS.
• Under UDAN 4.0, Ministry of Civil Aviation identified Bilaspur in Chhattisgarh as a priority airport and focus on routes connecting these airports.  These
prescribed routes would be offered for bidding
• International UDAN is an extension of the domestic UDAN Scheme which plans to connect India‘s smaller cities directly to some key foreign destinations in
the neighborhood. It seeks to make use of the open skies policy that India has with other Asian countries that allows direct and unlimited flights to and from
these nations to 18 Indian destinations. Unlike in domestic UDAN, it is only the State government that will provide the financial support for flights under
international UDAN. Like the domestic UDAN, the financial support and flying exclusivity on the route will be for 3 years. Only Indian carriers can participate
in the international UDAN scheme, and only aircraft with capacity of 70 seats or more can fly the foreign routes.
 DIGI LOCKER
• Secure dedicated personal electronic space for storing the
documents of resident Indian citizens will be created.
• It is to provide citizens a shareable private space on a public
cloud.
• The space can be utilized for storing personal documents like
University certificates, PAN cards, voter ID cards, etc., and the
URI's of the e-documents issued by various issuer
departments.
• It is a platform for issuance and verification of documents &
certificates in a digital way, thus eliminating the use of
physical documents.
• There is also an associated facility for e-signing documents
 PRADHAN MANTRI MUDRA YOJANA
• The programme was launched to give access to cheap credit to poor and small fledgling
businesspersons with the objective to provide self-employment.
• It is a scheme to extend collateral free loans by Banks, NBFCs and MFIs to Small/Micro
business enterprises and individuals in the non-agricultural sector to enable their
business activities and to generate self employment.
• For implementing the Scheme, government has set up a new institution named, Micro
Units Development & Refinance Agency Ltd (MUDRA).
• It acts as a regulator for the micro finance sector looks after development and
refinancing activities relating to micro units.
• It provides refinance to all banks and Last Mile Financiers seeking refinancing of small
business loans given under PMMY.
• The scheme services whose credit needs are below Rs.10 lakh.
• Loans can be availed under three categories
• i. Shishu for loans up to Rs.50,000;
• ii. Kishor for loans above Rs. 50,000 and up to Rs.5 lakh;
• iii. Tarun for loans above Rs.5 lakh and up to Rs.10 lakh.
• Mudra debit cards are issued to borrowers. Using these, they can withdraw the loan
from any ATM in India, as and when they need the money.
 Gold Monetisation Scheme
• It is a gold savings account which will earn interest for the
gold that you deposit in it.
• Deposited gold can be in any physical form – jewellery,
coins or bars.
• The tenure of gold deposits is likely to be for a minimum of
one year.
• The long-term objective is to reduce the country's reliance
on the import of gold to meet domestic demand.
• The scheme will also help in mobilizing the large amount
of gold lying as an idle asset with households.
 AYUSHMAN BHARAT PROGRAMME
ABY or National Health Protection Mission is a national initiative launched in order to
achieve the vision of Universal Health Coverage
It comprises of two inter-related components
1. Establishment of Health and Wellness Centre
2. Pradhan Mantri Jan Arogya Yojana (PMJAY)
Health and Wellness Centre - National Health Policy, 2017 envisioned Health and
Wellness Centres as the foundation of India‘s health system.
Under this, 1.5 lakh centres will bring health care system closer to the homes of people.
The centres will provide comprehensive health care, including for non-communicable
diseases and maternal and child health services.
These will also provide free essential drugs and diagnostic services.
Contributions through CSR and philanthropic institutions in adopting these centres are
also envisaged.
First 'health and wellness centre' has been inaugurated in Bijapur district in
RASHTRIYASWASTHYABIMA YOJANA
(RSBY)
It is a centrally sponsored health insurance scheme
Provide financial protection against catastrophic health costs  Improve
access to quality health care for BPL and other vulnerable groups . The
premium cost is shared by Centre and the State.
The beneficiaries are entitled to hospitalization coverage up to Rs.
30,000/- per annum on family floater basis i.e can be utilised by any
family member.
The coverage extends to maximum 5 members of the family which
includes the head of household, spouse and up to three dependents
including the provision to pay transport expense.
The beneficiaries need to pay only Rs. 30 as registration fee.
Beneficiaries get a biometric-enabled smart card containing their
fingerprints and photographs and this Single central smart card also to
include other welfare schemes like Aam Aadmi Bima Yojana and national
old age pension scheme.
 PRADHAN MANTRI JAN AROGYA YOJANA
(PMJAY)
It aims to reduce out of pocket hospitalisation expenses by providing health insurance coverage upto Rs.5 lakh/family/year for secondary and tertiary care hospitalization.
The scheme will integrate two ongoing centrally sponsored schemes Rashtriya Swasthya Bima Yojana (RSBY) and Senior Citizen Health Insurance Scheme (SCHIS).
The NHPS remains disconnected from primary health care services. RashtriyaSwasthyaBima Yojana (RSBY)
It is a centrally sponsored health insurance scheme
Provide financial protection against catastrophic health costs Improve access to quality health care for BPL and other vulnerable groups
The premium cost is shared by Centre and the State.
The beneficiaries are entitled to hospitalization coverage up to Rs. 30,000/- per annum on family floater basis i.e can be utilised by any family member.
The coverage extends to maximum 5 members of the family which includes the head of household, spouse and up to three dependents including the provision to pay transport
expense.
The beneficiaries need to pay only Rs. 30 as registration fee.
Beneficiaries get a biometric-enabled smart card containing their fingerprints and photographs and this Single central smart card also to include other welfare schemes like
AamAadmiBima Yojana and national old age pension scheme. www.shankariasacademy.com || www.iasparliament.com 49  Also, a beneficiary covered under the scheme will be
allowed to take cashless benefits from any public/private empanelled hospitals across the country.  Coverage - The scheme will aim to target over 10 Crore families based on
SECC (Socio-Economic Caste Census) database.  Rashtriya Swasthya Bima Yojna (RSBY) beneficiaries in state where it is active is also included.
To ensure that nobody from the vulnerable group is left out of the benefit cover, there will be no cap on family size and age in the scheme.
The insurance scheme will cover pre and post-hospitalisation expenses.
All pre-existing diseases are also covered.
It will also pay defined transport allowance per hospitalization to the beneficiary.
Funding - The expenditure incurred in premium payment will be shared between central and state governments in a specified ratio 1. 60:40 for all states and UTs with their own
legislature. 2. 90:10 in NE states and the 3 Himalayan states of J&K, HP and Uttarakhand. 3. 100% central funding for UTs without legislature.  The State governments have the
main responsibility of health service delivery.  States will be allowed to expand the scheme both horizontally and vertically.  Mode of funding - In a trust model, bills are
reimbursed directly by the government.  Andhra Pradesh, Telangana, Madhya Pradesh, Assam, Sikkim and Chandigarh are the states that will use a trust model for the mission. 
In an insurance model, the government pays a fixed premium to an insurance company, which pays the hospitals.  Gujarat and Tamil Nadu have opted for mixed mode
implementation.  The scheme is creating a cadre of certified frontline health service professionals called Pradhan Mantri Aarogya Mitras (PMAMs).  PMAM will be primary point
of facilitation for the beneficiaries to avail treatment at the hospital and thus, act as a support system to streamline health service delivery.  Besides, 24 new Government Medical
Colleges and Hospitals will be set up, by up-grading existing district hospitals in the country.  This would ensure that there is at least 1 Medical College for every 3 Parliamentary
Constituencies.  Also, at least 1 Government Medical College in each State of the country.
 FAME INDIA SCHEME
• Faster Adoption and Manufacturing of (Hybrid &) Electric Vehicles in India(FAME),
launched in 2015, is to support hybrid/electric vehicles market development and
Manufacturing eco-system.
• The scheme was initially upto April 2017 and it has been extended upto 31st
March, 2019.
• Based on the experience of FAME – I, theMinistry has notified Phase – II for the
period of 3 years commencing from April 1, 2019.
• In phase II, the government is targeting a fully (100%) electric fleet for public
transport, including buses, taxis and auto-rickshaws.
• The outlay of Rs. 10,000 crore has been made, in which Rs.1000 crore has been
earmarked for setting up charging stations for electric vehicles.
• Incentives will be offered for electric buses, three-wheelers and four-wheelers to
be used for commercial purposes.
• Plug-in hybrid vehicles and those with a sizeable lithium-ion battery and electric
motor will also be included in the scheme and fiscal support offered depending on
the size of the battery.  The centre plans to roll out an incentive of Rs.10,000 per
kilowatt (kW) for two-, three- and four-wheelers, based on the size of their
batteries.
• R&D projects and EV technologies, including for battery development, are being