Government Schemes

Higher education plays a significant role not only in national development but also in fostering the ability of individuals to face challenges. The unprecedented growth of knowledge necessitates higher education to be more dynamic than ever before, continually venturing into new domains. Between 2011-12, the Government launched programmes to provide greater opportunities for access to quality higher education by investing more in infrastructure, recruiting qualified faculty, promoting academic reforms, improving governance, and restructuring institutions to enhance quality and inclusion of previously deprived communities. Technical education in India has also seen significant expansion. The Central Government, responsible for major policy formulation, ensures uniformity in Higher Education across the country and caters to unserved areas by setting up centrally funded Institutions. There are 81 Central Government funded institutions, along with those funded by State governments and self-financing Institutions. These government-supported institutions play a crucial role in the country’s technical education system. The National Policy on Education (NPE) advocates for Open University and Distance Learning to increase opportunities for higher education and make it a life-long process. The institutional arrangements include: Open Universities (IGNOU and State Open Universities), Distance Education Institutions, and the Commonwealth of Learning (COL). The Distance Education Council has launched many initiatives to establish standards in the system and provided financial, academic, and technical support to the 13 State Open Universities and 186 Distance Education Institutes of conventional universities. The Open Universities offer a range of programs from vocational to general to professional and technical, except those not allowed by the respective statutory councils. Issues in India’s Technical & Higher Education The Gross Enrolment Ratio (GER) of India in higher education is only 25.2% which is quite low as compared to the developed and other major developing countries. The quality of higher and technical education in India is low due to lack of employability and skill development.  Most of premier universities and colleges are centred in a metropolitan and urban city, thereby leading to the regional disparity in access to higher education. Faculty shortages and the inability of the state educational system to attract and retain well-qualified teachers is another issue posed. The Pupil-to-teacher ratio has been stable in the country (30:1) though, however, it needs to be improved to make it comparable to the USA (12.5:1), China (19.5:1) and Brazil (19:1). Due to the budget deficit, corruption and lobbying by the vested interest group, public sector universities in India lack the necessary infrastructure. Even the Private sector is not up to the mark as per the global standard. Outdated and irrelevant curriculum – There is a wide gap between industry requirements and universities’ curriculum that is the main reason for the low employability of graduates in India. Low level of research ecosystem –  Poor fund allocation in research, Low levels of industry engagement and PhD enrolment, fewer opportunities for interdisciplinary and multidisciplinary research, etc. affect the higher and technical education in India. Education in India also faces the problem of regularity. The challenges of over-centralization, lack of accountability and transparency, and bureaucratic structures. This has increased the burden of administrative functions of universities and the core focus on academics and research is diluted. The Indian Constitution related to Education Under Article 45 in DPSP, it was mentioned that the government should provide free and compulsory education for all children up to the age of 14 years within 10 years from the commencement of the Constitution. As this was not achieved, Article 21A was introduced by the 86th Constitutional Amendment Act of 2002, making elementary education a fundamental right rather than a directive principle. And Article 45 was amended to provide for early childhood care and education to children below the age of six years. To implement Article 21A, the government legislated the RTE Act. The Right to Education Act is completely titled “the Right of Children to Free and Compulsory Education Act”. It was passed by the Parliament in August 2009. Read more about the Right to education Act (RTE) on the given link. Under the RTE act, Sarva Shiksha Abhiyan (SSA) got a further impetus. It aims to provide Universalization of Elementary Education (UEE) in a time-bound manner. SSA has been operational since 2000-2001. Its roots go back to 1993-1994 when the District Primary Education Programme (DPEP) was launched. However, under the RTE Act, it got legal backing. The 86th Constitutional Amendment (2002) inserted Article 21A in the Indian Constitution which states that “The State shall provide free and compulsory education to all children of 6 to 14 years in such manner as the State, may by law determine.” As per this, the right to education was made a fundamental right and removed from the list of Directive Principles of State Policy. Moreover, Education is in the ‘Concurrent List’ of the 7th Schedule of the Indian Constitution which gives legislative power to the Central Government for coordination and determination of standards in institutions of higher education or research and scientific and technical institutions.  Government Initiatives for Education in India All India Council for Technical Education (AICTE) established in November 1945 as an advisory body for promoting development in India in a coordinated and integrated manner. AICTE also conducted surveys on the facilities that were available for technical education. The purview of AICTE (the Council) covers programmes of technical education including training and research in Engineering and Technology, Architecture & Town Planning, Management, Pharmacy, Applied Arts and Crafts, Hotel Management and Catering Technology etc. at different levels.  Revitalising Infrastructure and Systems in Education (RISE) aims to increase investments in research and related infrastructure in premier educational institutions. The initiative will be funded by a restructured Higher Education Financing Agency (HEFA).  Sustainable Development Goals related to education (Goal 4 of SDG) ensures equitable, inclusive and quality education along with the promotion of lifelong learning opportunities for all by 2030. RUSA – Under the Centrally Sponsored Scheme of Rashtriya Uchchatar Shiksha Abhiyan (RUSA), financial support is provided to improve infrastructure availability in the State Higher Educational Institutions and also to promote research and innovation. IMPRINT India is a joint initiative of

• Under this scheme an amount of Rs. 6000/- will be transferred annually in three equal instalments• Government Resolution No Kisani-2023/CR 42/11 A dated 15/06/2023 has been issued regarding the scheme. • Farmers which are eligible for PM Kisan Yojana will be eligible for the benefit of “Namo Shetkari Mahasanman Nidhi Yojana”The Pradhan Mantri Samman Nidhi Yojana is being implemented through the central government, now this Namo Shetkari Yojana will be implemented by the Maharashtra government. Under this scheme also Rs 6000 will be given to the farmers annually. 6000 rupees by the central government and 6000 rupees by the state government, a total of 12000 rupees will be given to the farmers. Benefits 1) Eligible Farmers families as per PM KISAN will be Benefited Rs. 2000/- per Instalment.2) The beneficiaries benefited in PM KISAN will get the benefit of NSMNY.3) The NSMNY beneficiaries will be benefited from the list provided by GoI.4) First instalment of NSMNY is given as per the list of 14th instalment of PMKISAN.5) Eligible farmers family will get Rs. 2000/- from PMKISAN & NSMNY at each instalment.6) Eligible farmers will get Rs. 12,000/- in a year from both PM KISAN & NSMNY schems.7) Farmers will be benefited through DBT.8) The benefit of the NSMNY will be credited only in Aadhar linked bank accounts.9) The benefit credited to the ineligibles in NSMNY will be recovered as per the SoP of PMKISAN Eligibility Cultivable land holding farmers families (comprising of husband, wife and minor children) having land holding on dated 01.02.2019 are eligible for both PM KISAN & NSMNY scheme. Application Process 1. Aadhar Card,2. 7/12, 3. 8-A, 4. Ferfar, 5. Ration card etc Application Process Step 01: Self Registration on PMKISAN PortalStep 02: Verification of eligibility of registered beneficiary.Step 03: Approval at Taluka Nodal Officer level.Step 04: Approval at District Nodal Officer level.Step 05: Final Approval at State Nodal Officer level. FAQs Instalment time of NSMNY scheme ? April – July, August – November and December – March Is this scheme is for group of farmers? No, This scheme is for only eligible farmer families.

From September 1, the Bhajanlal Sharma government of Rajasthan will provide gas cylinders for Rs 450 to the families covered under the National Food Security Act (NFSA) in addition to BPL and Ujjwala connection holders.According to the guidelines of the Food and Civil Supplies Department, every family will be given a cylinder every month at a subsidized rate. However, these families will have to pay the same amount to the cylinder delivery person as normal families pay. The subsidy amount will be transferred to their bank account Introduction Bhartiye Janta Party promised in their manifesto at the time of election in Rajasthan to provide LPG Gas Cylinder on subsidised price. BJP successfully wins the Rajasthan Election and forms a New Government. On 29th of December 2023, Chief Minister of Rajasthan Shri Bhajanlal Sharma announced to implement Gas Cylinder Subsidy Scheme from 1st of January 2024 in whole of Rajasthan. The main objective behind starting this scheme is to provide financial support to the families by giving them subsidy on the price of LPG Gas Cylinder. This scheme is also called as “Rajasthan Free Gas Cylinder Scheme” or “Rajasthan Gas Cylinder at 450 Scheme” or “Rajasthan 450 Gas Cylinder Scheme” or “Rajasthan Rasoi Gas Cylinder Subsidy Yojana”. Now, Eligible Families of Rajasthan can get a LPG Gas Cylinder at Rs.450/- under Gas Cylinder Subsidy Scheme of Rajasthan Government. Rajasthan Gas Cylinder Subsidy Scheme is not for all households of Rajasthan. Benefits Subsidy on LPG Gas Cylinder will be provided. Beneficiary will get Gas Cylinder at Rs. 450/-. Documents Required Aadhar Card. Jan Aadhar Card. Ujjwala Gas Connection Passbook. BPL Card. Eligibility Beneficiary should be a Resident of Rajasthan. Families belongs to BPL and Ujjwala Scheme Beneficiary are Eligible. How to Apply There is no need to apply separately for subsidy on gas cylinder under BJP Government’s New Gas Cylinder Subsidy Scheme. PM Ujjwala Yojana Beneficiary and BPL Families are automatically eligible to get Gas Cylinder at Rs. 450/-. LPG Gas Company will only charge Rs. 450/- from the beneficiaries at the time of delivery of gas cylinder. Remaining amount of LPG Gas Cylinder will be transferred by the Rajasthan Government in the bank account of Gas Agency. Beneficiaries will only have to pay Rs. 450/- for the refill of gas cylinder under Rajasthan Government’s Gas Cylinder Subsidy Scheme. FAQs What is the Rajasthan Gas Cylinder Subsidy Scheme? The Rajasthan Gas Cylinder Subsidy Scheme is a government initiative aimed at providing financial relief to low-income families by offering subsidies on LPG gas cylinders. Under this scheme, eligible families can purchase LPG cylinders at a subsidized rate, making cooking fuel more affordable. How is the subsidy amount credited? The subsidy is generally transferred directly to the beneficiary’s bank account linked with their LPG connection. Ensure your bank details are up-to-date to avoid issues with subsidy payments.

The ‘Indira Mahila Shakti Training and Skill Promotion Scheme’ has been launched by the Rajasthan Government. It aims to provide computer and skill development training to girls and women from Rajasthan who are between 16 and 45 years.  The Rajasthan government’s Women and Child Development Department offers a program called Indira Mahila Shakti Prashikshan Evam Koshal Sanvardhan Yojana (RS-CSEP). This free program helps women and girls improve their spoken English and communication skills, along with building their confidence. By learning new skills or sharpening existing ones, participants gain the tools they need to find better jobs, start their own businesses, and achieve financial independence. The program goes beyond just skills training, aiming to empower women by providing support and knowledge in areas like entrepreneurship, leadership, managing money, and personal growth. Indira Mahila Shakti Training and Skill Promotion Scheme The scheme welcomes applications from women of all categories, including housewives, adolescents, girls, self-help group members, college students, and women from economically disadvantaged minority groups. The course training will be provided through Rajasthan Knowledge Corporation Limited. The RS-CIT course has a training duration of 132 hours, which is equivalent to 3 months. Women between 16 and 40 years of age are eligible to apply for this course. Age of the applicants will be calculated from January 1, 2023. Applicants for the RS-CIT free course must have passed 10th standard . Priority will be given to widows, divorced individuals, abandoned women, and those affected by domestic violence. Candidates will be selected on the basis of merit list prepared by Rajasthan Knowledge Corporation Limited (RKCL). Selected candidates will receive training at IT knowledge centres chosen by the Rajasthan Knowledge Corporation Limited. Trainee attendance will be recorded using a biometric machine, and a minimum of 65% biometric attendance is mandatory for the trainees. To pass the RS-CIT exam, candidates must score a minimum of 40%.  Selected trainees, chosen by the district-level committees, will receive training from Rajasthan Knowledge Corporation Limited based on their chosen IT knowledge domain. Of the allocated seats, 18% are reserved for Scheduled Castes (SC) and 14% for Scheduled Tribes (ST). Benefits of the scheme Beneficiary girls and women will be provided free training in computer and speaking English based courses. The beneficiary will be given free training in the following courses :- RS-CIT (Rajasthan State Certificate Course in Information Technology). RS-CFA (Rajasthan State Certificate in Financial Accounting). RS-CSEP(Spoken English and Personality Development). The beneficiary will also be given a certificate after completion of the training. Eligibility Syllabus Eligibility RS-CIT(Rajasthan State CertificateCourse in Information Technology) The applicant must be a native of Rajasthan. The age of the applicant should be between 16 years to 40 years. The applicant must have passed 10th class. RS-CFA(Rajasthan State Certificatein Financial Accounting) The applicant must be a native of Rajasthan. The age of the applicant should be between 16 years to 40 years. The applicant must have passed 12th class. RS-CSEP(Spoken English andPersonality Development) The applicant must be a native of Rajasthan. The age of the applicant should be between 16 years to 45 years. The applicant must have passed 12th class. Required Documents Proof of residence in Rajasthan/permanent certificate. Age certificate. Caste Certificate (if applicable) Educational certificate of 10th class. Educational certificate of 12th class. Aadhar card. Jan Aadhar Card. Mobile number. Passport size photo of the applicant. email id. The following documents are required to be submitted depending on the situation :- Death certificate of husband (for widowed woman) Talaqnama(on divorce) Proof of desertion(for deserted woman) FIR/Domestic Violence Report (for woman victim of violence) Indira Mahila Shakti Training and Skill Promotion Scheme – Application Process 1. Applicants should visit the official website of the scheme at www.myrkcl.com/wcdnew. 2. On the homepage, candidates must enter ‘Janadhaar Number’ and the ‘CAPTCHA code’. 3. After successfully adding the details, click on the ‘Get Details’ option. 4. An OTP (One-Time Password) will be sent to the applicant’s registered mobile number. 5. Applicants should enter the OTP number and click on the ‘Confirm’ option. 6. Subsequently, the application form for the scheme will become accessible. 7. Applicants should carefully complete the form by providing the required information according to the provided guidelines. 8. After uploading the necessary documents, submit the form. FAQs What is the Indira Mahila Shakti Training and Skill Promotion Scheme? The Indira Mahila Shakti Training and Skill Promotion Scheme is a government initiative. It is aimed at empowering women by providing them with training and skill development opportunities to enhance their employability and economic independence. Which type of skill sets are trained in the computer training courses offered under this scheme? The training courses typically cover basic to advanced computer skills, including MS Office applications, internet usage, and more.

The Intensified Mission Indradhanush (IMI) was launched in 2018 by the Central Government with the objective of covering all children under the age of two and pregnant women for immunization who were not covered under the UIP. This program was to intensify the Mission Indradhanush that had been launched in 2014. The objective of Mission Indradhanush was to have a 90% coverage of the UIP in India by 2020 and sustain the same. IMI 2.0. was launched in December 2019 and continued up to March 2020, to further extend the reach and coverage of the mission, including tribal and hard-to-reach areas. Although the scheme comes under the Ministry of Health and Family Welfare (MoHFW), it is supported by many other ministries/departments such as: Ministry of Information and Broadcasting  Ministry of Panchayati Raj Ministry of Women & Child Development Ministry of Housing and Urban Affairs The diseases covered under the mission are polio, diphtheria, measles, whooping cough, hepatitis B, tetanus, meningitis, rubella, Japanese encephalitis and pneumonia. Mission Indradhanush The aim is to fully immunize more than 89 lakh children who are either unvaccinated or partially vaccinated under UIP. It targets children under 2 years of age and pregnant women for immunization. It provides vaccination against 12 Vaccine-Preventable Diseases (VPD) i.e. diphtheria, Whooping cough, tetanus, polio, tuberculosis, hepatitis B, meningitis and pneumonia, Hemophilus influenza type B infections, Japanese encephalitis (JE), rotavirus vaccine, pneumococcal conjugate vaccine (PCV) and measles-rubella (MR). However, Vaccination against Japanese Encephalitis and Haemophilus influenzae type B is being provided in selected districts of the country. It is a nationwide initiative with a special focus on 201 high focus districts. These districts accounted for nearly 50% of the total partially vaccinated or unvaccinated children in the country. The rate of increase in full immunization coverage increased to 6.7% per year through the first two phases of ‘Mission Indradhanush’. Intensified Mission Indradhanush 3.0 In February 2020, the Central Government launched IMI 3.0 to further extend the coverage of the national immunization programme. The main objective of the mission is to reach the unreached population with respect to immunization and offer all the available vaccines under the Universal Immunisation Programme – UIP to all pregnant women and children under two years of age. The ultimate goal of the campaign is to achieve complete universal immunization in India. Coverage of IMI 3.0 It will have two rounds this year which will be conducted in 250 pre-identified districts/urban areas across 29 States/UTs. The districts have been classified to reflect 313 low risk, 152 medium risk and 250 high risk districts. Beneficiaries from migration areas and remote areas would be targeted as they may have missed their vaccine doses during the pandemic Key Focus Areas High-risk areas identified by the polio eradication programme, which includes populations residing in habitats such as urban slums with migration, nomads, brick kilns, constructions sites, other migrants, and hard to reach populations. Areas with low Routine Immunization (RI) coverage which had an outbreak of Measles/Vaccine Preventable Disease (VPD). Areas with vacant sub-centres. Areas with missed Routine Immunization (RI) sessions. Small villages, hamlets, dhanis or purbas clubbed with another village for RI sessions and not having independent RI sessions. Intensified Mission Indradhanush The Intensified Mission Indradhanush (IMI) was launched by the Government of India in 2017 to reach each and every child under two years of age and all those pregnant women who have been left uncovered under the routine immunisation programme. Under IMI, greater focus has been given on urban areas which was one of the gaps of Mission Indradhanush. The target under IMI was to increase the full immunization coverage to 90% by December 2018. However, only 16 districts in the country have achieved 90% coverage so far. The Intensified Mission Indradhanush 2.0 will target the districts which have immunisation coverage of 70% or below. FAQs What is Mission Indradhanush? Mission Indradhanush is a health initiative launched by the Government of India to improve the immunization coverage of children and pregnant women. It aims to protect them from life-threatening diseases by providing vaccines against preventable diseases. When was Mission Indradhanush launched? Mission Indradhanush was launched on December 25, 2014, by the Ministry of Health and Family Welfare.

The history of administrative reforms in India dates back to January 5, 1966, and was consolidated by the Government of India to ensure a transparent and efficient system. These reforms have played a pivotal role in eliminating corruption and prejudice. The government forms a body of representatives who study the various aspects impacting the country’s development and then prepare a report to suggest reforms that have a positive impact. In recent years, the reforms have been revamped at all government levels as per need, which led to the 2nd ARC. The administration needs to be proactive, efficient, and responsive while addressing issues concerning Indian citizens with maximum governance and assistance. The 1st Administrative Reforms Commission Post-independence, the country required a well-defined framework to ensure development at a fast pace. This called for administrative reforms that would lead to a uniform system across all states and districts. The first commission was constituted in 1966, and a mandate was designed to define the machinery of the government bodies and public services. The bodies were responsible for implementing economic and social policies, ensuring the development and growth of the citizens. The commission submitted a total of 19 reports concentrating on different verticals. Officials were supposed to work extensively at all levels for integrity and efficiency. Below are a few major components of the mandate: ·         A mechanism for the Government and local bodies at all levels ·         Centre and state Government relationship ·         The economic and financial administration framework ·         District and personnel level administration ·         Administering agricultural framework ·         Address citizens’ grievances and render solutions as per the Government policies. ·         Public sector undertakings ·     Small-scale sector ·         Administration of central direct taxes ·         Government treasuries ·         Indian post and telegraph services ·         Administration of the life insurance industry Even though the mandate covered all major modules of the country’s machinery, some components were excluded from the commission. Separate commissions were appointed for them to ensure integrity at all levels. These were: ·         Defence administration ·         Security and intelligence agencies ·         External affairs ·         Education Under the leadership of Shri Morarji Desai, the history of administrative reforms in India was written aiming at the nations and its citizens’ growth and development. K.Hanumanthaiah later took over this commission as Morarji became the Deputy Prime Minister of the country. The 2nd Administrative Reforms Commission report Since the 1st ARC, India grew and progressed fast, which led to the need to revamp the reforms in accordance with the current needs. The 2nd commission report was prepared under the leadership of Shri M. Veerappa Moily. This report suggested upgrades and amendments in the 1st commission for better administration. The report was submitted on August 31, 2005. Apart from the initial mandate, 15 reports concentrated on different aspects. The reports were prepared as per the requirements of present India. The country has grown since Independence, and policies need to be updated to improve the governance and framework. Below are the few major points that the committee considered important and wanted to highlight. ·         RTI: Right to Information serves as a powerful tool in democracy. Here, people from all sections get the right to demand and know the government policies. This leads to an awakened and informed society and, therefore, a better quality of life. A transparent, dynamic, accountable, and conventional system lays the foundation for good governance. ·         Political ethics: For the first time in the history of administrative reforms in India, politics was under the scanner. The report highlighted the need for an unbiased framework for electoral bodies and politics. This included aspects like background check of candidates, disqualification in case of criminal record, a delegation of central armed forces at poll centres, etc. ·         E-Governance: The 2nd administrative reforms commission stated that the application of technology at all government levels is the need of the hour. The report suggested focusing on using information and technology in all possible ways to provide public services to citizens. This would ensure transparent and equivalent services to all classes of society. ·         Financial Management: The report emphasised the need for financial discipline and discretion to develop an efficient and responsive framework. Appropriate usage of resources with time management is the key for all government bodies for better results. Every department is expected to work on budgeting, funds flow, capacity building, accurate accounting system, audit, and use of technology to report every development to the government. ·         Combating terrorism: Terrorism poses a great challenge for the government and the ministry of home affairs. ·         Social capital: The report suggested laying out a framework for the social capital of the country. This involves the trusts and charitable institutions, and foreign contributions to such trusts. The report stated that SHGs in rural and semi-urban areas should be encouraged. An intensive policy needs to be constituted to ensure proper functioning even at district administration levels. ·         Exclusions: The commission kept all the mandates excluded in the 1st ARC as these were already governed by other bodies and were matters of national importance. Work on the 2nd ARC After an intensive study of the report submitted and suggestions given by the members, the Government of India decided to work on all the aspects. The machinery is now way more transparent and corruption-free, leading to flourishing businesses and, thereby, a better life. Since submitting the 2nd ARC report, several reforms have been introduced at district, state, and Central Government levels. These reforms have boosted the

PMGKY full form – the Pradhan Mantri Garib Kalyan Yojana, 2016 (PMGKY) was initiated by the Narendra Modi-led Government of India in December 2016. It was launched as a follow-up to the Income Declaration Scheme. It had been launched earlier that year. The program, which is part of the Taxation Laws (Second Amendment) Act of 2016, allowed people to register unaccounted cash by paying a fine of 50% of the concealed revenue. A further 25% of the gain is paid in the scheme. It can further be refunded without interest within four years. It was again brought into more moderations in 2020, with several more changes than before. To alleviate the economic effects of the coronavirus-induced lockdown on the vulnerable, Prime Minister Narendra Modi announced a Rs 1.70 lakh crore relief scheme shortly after the lockdown was imposed on March 24. The Union Government of India declared on June 1, 2021, that it had already extended the ‘Pradhan Mantri Garib Kalyan Package (PMGKP) Insurance Scheme for Health Workers Fighting COVID-19’ for one year, effective April 24, 2021. The Central Government resurrected this insurance coverage for a one-year period in order to continue providing a safety net to the dependents of health workers assigned to care for COVID-19 patients. Details Pradhan Mantri Garib Kalyan Anna Yojana (PM-GKAY) is a scheme as part of Atmanirbhar Bharat to supply free food grains to migrants and poor. Phase-I and Phase-II of this scheme were operational from April to June, 2020 and July to November, 2020 respectively. Phase III of the scheme was operational from May to June, 2021. Phase-IV of the scheme during July-November, 2021 and Phase V from December 2021 till March, 2022 .Under this scheme, the center provides 5kg of free food grains per month to the poor. This is in addition to the subsidized (Rs 2-3 per kg) ration provided under the National Food Security Act (NFSA) to families covered under the Public Distribution System (PDS). The food grain and the amount may be variable. Phase VI:- The PMGKAY scheme for Phase VI from April-September, 2022 would entail an estimated additional food subsidy of Rs. 80,000 Crore. Salient Features of the Scheme The Indian Union Minister, Nirmala Sitharaman, announced on the 25th of March, 2020, an economic relief package of Rs.1,70,000 crore for the poor population and migrant workers. This scheme is outlined to cover 80 crores of the rural population of the country. The relief package includes food and components, which are divided into eight sections of the society. It is inclusive of pensioners, women, and the disabled. It includes contributing to the poor families with pulses through this yojana. The central government has claimed to distribute rice and wheat-based on each individual. In addition to the already existing rice distribution that had been allotted. This scheme meant relief plans to help in the survival of the deadly situation of the country. Eligibility for PMGKY The persons eligible for relief under  the Pradhan Mantri Garib Kalyan Yojana are as follows: All families below the poverty line are eligible for the PMGKY scheme . Antyodaya Anna Yojana (AAY): These families are identified by the States/UTs. The criteria is formulated by the Central Government. Priority Families (PHHs): These families are identified by the State Governments/UT Administrations. The criteria have been formulated by the States/UTs. Families headed by the following persons are eligible for PM Garib Kalyan Yojana : Widow terminally ill person disabled persons Individuals aged 60 years and above The following individuals who have no support from the family or society are eligible for PM Garib Kalyan Yojana : Widows terminally ill person disabled persons Individuals aged 60 years and above Single woman or single man All primitive tribal families are eligible. Other individuals who are eligible for PMGKY are:- landless agricultural labourer Marginal Farmers Rural Artisans/Craftsmen Individuals in the informal sector All HIV positive individuals who belong to families below the poverty line are eligible for the PM Garib Kalyan Yojana . What are the benefits of PM Garib Kalyan Yojana? All card holders get benefits under PM Garib Kalyan Yojana (PM Garib Kalyan Yojana in Hindi) . Subsidy is also given to 80 crore people through PMGKY (PMGKY in Hindi) . This scheme provides 5 kg extra ration to the beneficiaries. Under this scheme, the beneficiary is given wheat at Rs 2 per kg and rice at Rs 3 per kg. PM Garib Kalyan Yojana will help in reducing the economic, health and food related crisis of the poor of India. Specific Benefits of PMGKY for Different Sections For Wage Workers The wage workers who earn below the amount of 15,000 for a month in a business and have less than 100 employees will be paid 24% of their monthly wages into their Provident Funds account for three months. For Farmers Over eight crore farmers are said to benefit under the scheme with direct cash transfers. An installment of Rs.2000 is stated to be sent to these farmers in the first week of April. For Women The women of self-help groups under the Deen Dayal Yojana who were earlier eligible for similar loans up to Rs.10 Lakhs will be allocated with a collateral-free loan of Rs.20 Lakh. A total of 20 crore women holding Jan-Dhan Yojana accounts will get a payment of Rs. 500 for the next three months from the launch of the plan. For MGNREGA Workers Through this plan, the wages of MGNREGA employees were decided to be increased by Rs.2000 per worker. It eventually benefited five crores of Indian families. For Organized Sectors The Union finance minister also announced a hike in PF and the withdrawal limits for the organized sector. The scheme also brought forward a contribution to the employer and the employee who have less than 100 employees, where 90% of them earn lesser than ₹15,000 per month, the government would pay their EPF for three months. For Construction Workers The yojana provided a fund of ₹31,000 crores to assist 3.5 crore registered workers to protect them against economic disruptions. Documents Required to Apply for PM Garib Kalyan Yojana Ration Card

Rajasthan Cooperative Gopal Credit Card Loan Yojana Portal has been launched on 28 August 2024. This scheme has been started by the Rajasthan State Government, in which interest-free loan up to Rs 100000 is provided to farmers and animal husbandry farmers. Under the Gopal Credit Card Loan Scheme, short-term loans are provided to animal husbandry farmers by the Rajasthan Government. Gopal Credit Card Loan Yojana Highlight Scheme Organization State Government of Rajasthan Name Of Scheme Gopal Credit Card Launch Date 28 Aug 2024 Apply Mode Online State Rajasthan Category Govt Scheme What is Gopal Credit Card Loan Scheme Finance Minister of Rajasthan Government Smt. Diya Kumari announced lots of welfare scheme for the people of Rajasthan while presenting the budget. Smt. Diya Kumari in her budget speech said that the income in rural area of Rajasthan is still depends on agricultural and milk production activity. Families involves in milk production activity has faced lots of difficulties in case of illness of animals, non availability of sheds/ shelters, and unavailability of fodder. Keeping these difficulties of Cattle/ Dairy Owners of Rajasthan in mind, a new scheme will going to be launched for their support. This scheme is being started on the lines of Kisan Credit Card Scheme of Government of India. The name of scheme will be “Gopal Credit Card Scheme”. Rajsahakar of Rajasthan Government is the nodal department of this scheme. The main objective behind starting Gopal Credit Card Scheme is to support dairy/ cattle owners financially who involves in milk production activity. Scheme is also known by other names; such as ‘Rajasthan Sahakari Gopal Credit Card Scheme” or “Rajasthan Sahakari Gopal Credit Card Loan Scheme”. Rajasthan Government will now provide short term loans to cattle/ dairy owners under Gopal Credit Card Scheme. Loan provided under Gopal Credit Card Scheme will be interest free. No Interest will be paid by the Cattle/ Dairy Owners on the loan taken under this scheme. Apart from interest free loan, there will be no collateral security is required at the time of availing the loan. Beneficiary Cattle/ Dairy Owners can avail the loan up to Rs. 1,00,000/- under Gopal Credit Card Scheme. Interest Free Loan provided under Rajasthan Gopal Credit Card Scheme can be used by the beneficiary to complete the following works :- To Construct Shelter/ Shed for Milch Animals. To Construct Kheli for Distribution of Fodder. To Purchase Equipment related to Milk Production. To Purchase Fodder Harvesting Machinery. By completing above mentioned milk production related activities, Beneficiary Cattle/ Dairy Owners can increase the milk production and increase their income as well. Loan provided under Gopal Credit Card Scheme is a Short Term Basis Loan. This scheme will be implemented in Rajasthan in phased manner. More than 5 Lakh Cattle/ Dairy Owners Families will get the benefit of interest free and collateral free loan under Gopal Credit Card Scheme of Rajasthan Government. To provide loans, a special camps will be organized under the aegis of milk and central cooperative banks. To avail the benefits of Rajasthan Gopal Credit Card Yojana, it is compulsory to be a member of Milk Produce Cooperative Society. Rs. 150/- Crore has sanctioned for proper implementation of Gopal Credit Card Scheme in Rajastha Gopal Credit Card Loan Yojana Eligibility Only local cattle farmers of Rajasthan state will get the benefit of this scheme, farmers of any other state will not be able to avail the benefit of this scheme Because this scheme is a state level scheme of Rajasthan state. To avail of a loan, the cattle farmer must become a member of the primary milk co-operative society. The animal husbandry farmer must have all the documents required to apply. providing open space for animals Construction of shed for cow or buffalo Buying fodder or feed for animals Buying necessary equipment related to animal husbandry like milking machine, milking bucket, drum etc. Buying new animals Getting the animals treated when they fall sick, etc. Gopal Credit Card Loan Yojana Benefits Under the Gopal Credit Card Loan Scheme, interest free loan of up to Rs. 100000 will be provided to animal husbandry farmers. No interest will be charged on Gopal Credit Card Loan if the farmers repay the loan within the stipulated time. To apply in this scheme started by the state government, livestock farmers do not need any special type of eligibility. Any state level animal breeder can apply for Rajasthan Gopal Credit Card Loan Scheme. The benefit of Rajasthan Gopal Credit Card Yojana 2024 will be given to about 500000 animal breeders of the state. Livestock farmers can apply for Rajasthan Gopal Credit Card Loan Scheme online anytime from the comfort of their homes. Animal husbandry farmers of the state can get interest free Rajasthan Gopal Credit Card loan up to Rs. 100000 for any work related to animals. Gopal Credit Card Loan Yojana Document Mobile number which is linked with Aadhaar Aadhar card of the applying animal husbandry farmer PAN card of the applicant Residence certificate of the applicant Caste certificate of the applicant Income certificate of the applicant Age certificate of the applicant Bank diary for bank account details Passport size photo of the farmer Signatures and so on. How to apply online for Gopal Credit Card Loan Scheme Step: 1 First of all visit Gopal Credit Card Yojana official website. Step: 2 On the homepage you click on “Apply for Gopal Credit Card” link. Step: 3 After this the application form will open in front of you on a new page, fill all the required information asked in this form carefully. Step: 4 In the next step, scan and upload the required documents under the scheme. Step: 5 After that scan and upload passport size photo, signature and other required documents if applicable. Step: 6 Finally, after OTP verification, “Submit” the application form and take a printout. Step: 7 After doing this, after verification of the required information and documents submitted by you, Gopal Credit Card will be issued on the official website. After this, you can easily download Gopal Credit Card by visiting the website. Step: 8 In

The Rajasthan Aapki Beti Yojana is a government-run initiative aimed at providing financial aid to families for the education and marriage of their daughters. The program targets girls from economically disadvantaged backgrounds and aims to empower them through financial support for their education and marriage. To qualify for the scheme, families must be permanent residents of Rajasthan with an annual income below ₹2.5 lakhs. Additionally, the girl must be a student of classes 9th to 12th, have passed the previous class with at least 50% marks, and not be married. Financial assistance provided under the scheme includes ₹10,000 per year for education and ₹50,000 for marriage. It’s important to note that the scheme is subject to change, and it is always recommended to check with local authorities for the most up-to-date information and detailed information on the application process and required documents. About the plan The Rajasthan government is taking steps to encourage meritorious orphan and BPL students of the state and to raise their level of education. For this, the state government has started “Chief Minister Our Daughters Scheme”. Under this scheme, the selected students will be given an amount of Rs 15,000 by the government for their education in class 11th and 12th. Along with this, a maximum of Rs 1 lakh will be spent on their hostel, training, sports etc. After this, an amount of Rs 25,000 will be given to the student for graduation and post-graduation education and a maximum of Rs 2 lakh will be spent for their hostel, training, etc. The benefit of this scheme will be given to the meritorious, orphan and BPL family girl students of the state. For this, students must have minimum 75 percent marks and first or second position in their district. As per the instructions of the scheme, 2 meritorious students from each district (total number of which will be 66). Also, one orphan girl and one BPL student will be selected from each district. Every year a total of 132 girl students will be provided the benefit of the scheme. In case of two girls getting equal marks, priority will be given to the student who has higher marks in Mathematics, Science and English. In case of equal marks in the subjects, selection will be made on the basis of the girl’s age. Key Highlights of Rajasthan Aapki Beti Yojana 2024 Scheme Name Rajasthan Aapki Beti Yojana Who launched Government of Rajasthan Beneficiary Rajasthan girl students Purpose Motivating girl students to get good education Official website https://rajshaladarpan.nic.in/ Year 2024 Application Type Online and offline Objective of Rajasthan Aapki Beti Yojana To empower girls from economically underprivileged areas of society and promote their educational pursuits To promote gender equality and break the societal barriers that prevent girls from receiving an education To support the marriage of girls and provide financial assistance to families for this purpose To reduce the burden on families with limited financial resources and help them provide for the education and marriage of their daughters To improve the overall socio-economic status of girls and women in the state of Rajasthan The scheme is designed to support and encourage the education and upliftment of girls and women in the state of Rajasthan and to break the societal barriers that prevent them from receiving an education and reaching their full potential. Benefits under the scheme Under the Rajasthan Mukhyamantri Hamari Betiyan Yojana, the following main benefits will be provided to the beneficiary: – To encourage the selected meritorious students, a one-time amount of Rs. 15,000 will be given for stationery and school uniform in class 11 and 12. And up to Rs 1 lakh will be spent on their hostel, coaching, tuition fees, training, sports etc. Expenditure up to Rs 2 lakh for graduation and post-graduation studies will be borne under the scheme. Class For stationery and school uniform Hostel, coaching, tuition fee, training, sports etc. 11 and 12 ₹15,000 1 Lakh Undergraduate and postgraduate ₹25000 2 Lakh Eligibility of Rajasthan Aapki Beti Yojana The family must be a permanent resident of Rajasthan The annual income of the family should be less than ₹ 2.5 lakh The girl should be a student of class 9th to 12th in a government school The girl should have passed the previous class examination with at least 50% marks The girl should not be married Any one or both the parents of the applicant has passed away. Important Documents to Apply in Rajasthan Aapki Beti Yojana 2024 Aadhar Card Parent’s Death Certificate BPL ration card Photocopy of bank account passbook Last year’s result Passport size photograph Mobile number Process to Apply Online Under Rajasthan Aapki Beti Yojana Step 1: Start the process by visiting Shala Darpan Rajasthan’s official website Step 2: Now, your current screen will display the homepage Step 3: Click on your daughter’s link on the homepage Step 4: Then, use this link to get the Aapki Beti Yojana application form Step 5: Following that, print the application form Step 6: Provide all the pertinent data requested on the application form, such as the girl’s name, her parents’ names, her class, her date of birth, etc Step 7: Now, attach all of the necessary paperwork Step 8: After that, you must have your institution’s head certify this form Step 9: Submit this form to the District Education Officer Step 10: You will be able to apply for the Rajasthan Aapki Beti Yojana in this manner. FAQs What is the financial assistance provided under the scheme? The scheme provides financial assistance of ₹ 20,000 for the education and welfare of the girl child. This assistance is provided in two instalments of ₹ 10,000 each, one at the time of admission and another after the completion of 6 months. What is the selection process for the scheme? The selection for the scheme is done on the basis of the annual income of the family and the admission of the girl child in school. A merit list is prepared based on these criteria and the financial assistance is provided to the

Atal Pension Yojana is a pension programme that aims to ensure that low-income individuals have a reliable source of income once they reach retirement age. The programme was introduced by the Government of India in the financial year 2015-2016 with the aim of assisting individuals who are currently working in the unorganised sector.  Pension amount Up to Rs 5,000 Age limit 18 years – 40 years Contribution period Minimum 20 years Exit age 60 years            The APY programme is a voluntary programme that helps people save money for their retirement. The Atal Pension Yojana programme incentivizes saving for retirement among residents who are eligible for the programme.  About APY APY has surpassed 7 crore enrolment. Launched: By Ministry of Finance in 2015.Objective: To create a universal social security system for all Indians, especially underprivileged and workers in unorganized sector Benefits Upon exit on attaining 60 years The subscriber shall receive the following three benefits on attaining the age of 60:(i) Guaranteed minimum pension amount: Each subscriber under APY shall receive a guaranteed minimum pension of Rs. 1000/- per month or Rs. 2000/- per month or Rs. 3000/- per month or Rs. 4000/- per month or Rs. 5000/- per month, after the age of 60 years until death.(ii) Guaranteed minimum pension amount to the spouse: After the subscriber’s demise, the spouse of the subscriber shall be entitled to receive the same pension amount as that of the subscriber,until death. (iii) Return of the pension wealth to the nominee of the subscriber: After the demise of both the subscriber and the spouse, the nominee of the subscriber shall be entitled to receive the pension wealth, as accumulated till the subscriber’s age of 60 years.Contributions to the Atal Pension Yojana (APY) are eligible for tax benefits similar to the National Pension System (NPS) under section 80CCD(1). Voluntary exit (Exit before 60 Years of age): The subscriber shall be refunded only the contributions made by him to APY alongwith the net actual accrued income earned on his contributions (after deducting the account maintenance charges).However, in case of subscribers who joined the scheme before 31st March 2016 and have received the Government Co-Contribution, shall not receive the same including the accrued income earned thereon. For death before 60 years Option 1: In case of death of the subscriber before 60 years, option will be available to the spouse of the subscriber to continue contribution in the APY account of the subscriber, which can be maintained in the spouse’s name, for the remaining vesting period, till the original subscriber would have attained the age of 60 years. The spouse of the subscriber shall be entitled to receive the same pension amount as the subscriber until death of the spouse. Such APY account and pension amount would be in addition even if the spouse has his/her APY account and pension amount in own name.Option 2: The entire accumulated pension corpus till date under APY will be returned to the spouse / nominee. Atal Pension Yojana: Primary objective The primary objective of the Atal Pension Yojana scheme  is to empower employees in unorganised industries by providing them with pension benefits as well as the means to support themselves financially on their own terms. It is a social security plan, and its purpose is to provide social security protection to the beneficiaries who sign up for it.  Eligibility The minimum age of joining APY is 18 years and maximum is 40 years. The age of exit and start of pension is 60 years. Subscriber contribution to APY shall be made through the facility of ‘auto-debit’ of the prescribed contribution amount from the savings bank account of the subscriber on monthly, quarterly or half-yearly basis. The subscribers are required to contribute the prescribed contribution amount from the age of joining APY till the age of 60 years. Application Process Process 1: One can also open an APY account online using one’s Net banking facility. The applicant can login into his/her internet banking account and search for APY on dashboard. Customer has to fill basic and Nominee details. Customer has to give consent for auto debit of premium from the account and submit the form. Process 2: Visit website “https://enps.nsdl.com/eNPS/NationalPensionSystem.html “ and select “Atal Pension Yojana”. Select “APY Registration” Fill the basic details in the form. One can complete KYC through 3 options – Offline KYC – Where one has to upload XML file of Aadhaar Aadhaar – Where KYC is done through OTP verification on Mobile Number register with Aadhaar Virtual ID – Where Aadhaar virtual ID is created for KYC Citizen can select either one of three options. Once the basic details are filled, an acknowledgement number is generated. Citizen then has to fill personal details and decide the pension amount he/she wants after 60 years. The Citizen also has to decide the frequency of contribution for the scheme. Once the citizen “confirms” for personal details, he/she has to then fill nominee details. After submitting the personal and Nominee details, Citizen is redirected to NSDL website for eSign. Once Aadhaar is OTP verified, Citizen gets successfully registered in APY. One can also join digitally through e-APY portal or through web portal of banks providing such facility. FAQs Is there any provision of default nominee or blood relation? If the subscriber is unmarried they can nominate any other person as nominee and they have to provide spouse details after marriage. If married, the spouse will be the default nominee. The Aadhaar details of spouse and nominees may be provided. When will I receive my Pension? Age Of Start Of Pension is 60 Years.