all government schemes 2014-17

Complete List of All Government Schemes (2014- 2017)

The reign of Narendra Modi has been earmarked by government schemes that aimed to change the face of India over a span of 5 years.  Health and other socio-economic reform schemes were introduced keeping in mind all the social strata existing in the country. Here is the list of all government schemes that were launched since 2014:

all government schemes 2014-17

Government Schemes 2016-17

To get a detailed information about all the schemes started by the Modi Government in the year 2016-17 you can refer to the following post:

Read More: List Of Government Schemes Started By Modi Government In 2016-17

Government Schemes 2015

  1. OROP: 5th September 2015

The One Rank One Pension scheme stated that individuals who retired with the same rank and service duration can avail the same amount of pension money irrespective of the year in which they retired. This scheme was started basically to cater to the army personnel as in such cases the rank matters a lot. Thus a general who retired 20 years ago will get the same pension as a general who recently retired.

Read More: One Rank One Pension Scheme: OROP Review

  1. Pradhan Mantri Jan Aushadhi Yojana: 21st July 2015

Narendra Modi launched this scheme for health reforms in the nation. This scheme stated that Jan Aushadhi stores spread all over the country would sell medicines at an affordable cost as compared to the market price. A financial assistance will be provided to NGO groups and other private hospitals by extending a fund of 2.5 Lakhs INR each to them. With these funds, the organizations were encouraged to open these Jan Aushadhi stores. The scheme ensured that everyone can afford medicines at the time of need.


  1. Skill India: 15th July 2015

Skill India was a scheme introduced by Modi in order to create a larger platform for developing the talents of an individual with good technical skills. This scheme basically caters to the youth of India by encouraging them to enhance their talents and come forward in order to build a skillful nation.


  1. Pradhan Mantri Krishi Sinchai Yojana: 1st July 2015

The PMKSY aimed at improving the agricultural sector of India. Under this scheme, proper irrigation facilities were to be provided to all the areas that involved agricultural activities. Thus water provision and water recycling facilities will be provided in those areas enabling the implementation of the concept of “More Crop Per Drop”. There has been a major growth in the quantity and quality of cultivable land after the introduction of this scheme.

Read More: Pradhan Mantri Krishi Sinchai Yojana


  1. Digital India: 1st July 2015

Narendra Modi introduced this scheme in order to promote the development of the country by digitizing it. Digitization included providing technical education to all citizens and improving the Internet speed and connectivity. Also, the scheme involved encouraging the use of online facilities by promoting them and making their interface user-friendly.


  1. Pradhan Mantri Awas Yojana:  25th June 2015

This Scheme launched by Narendra Modi aims at providing housing to all Indian citizens. It basically caters to the individuals and families falling under the Economically Weaker Sections (EWS) and Low Income Groups (LIG). The implementation will be through funding the poor families so that they can afford housing, home loans and subsidy linked housing facilities. Thus an approximate number of 5 crores homes will be provided for the financially deprived families and individuals to reside in. This scheme is to continue over a span of 4 years.

Read More: PMAY Scheme for the Year 2017: Pradhan Mantri Awas Yojana

  1. AMRUT Scheme: 24th June 2015

Atal Mission For Rejuvenation And Urban Transformation or AMRUT Scheme aimed at improving the infrastructural conditions of Urban India. This included building proper roads, improving transport facilities, providing clean drinking water and developing the sewerage systems. Another dimension of this scheme was to eradicate the pollution in urban areas by introducing pollution control methods and increasing the greenery in cities.

Read More: AMRUT Scheme

  1. Pradhan Mantri Jeevan Jyoti Beema Yojana: 9th May 2015

This scheme was launched keeping in mind the fact that a meager population of India was covered by a proper Life Insurance scheme. Thus every individual was encouraged to contribute in this scheme for increasing the insurance coverage of citizens. Under this scheme, a minimum contribution of 330 INR yearly premium was required for a citizen to avail an insurance cover of 2 Lakhs (minimum). Thus there was an increased participation of citizens in this scheme.

Read More: Pradhan Mantri Jeevan Jyoti Bima Yojana

  1. Pradhan Mantri Suraksha Beema Yojana: 9th May 2015

This government scheme aimed to increase the coverage of a citizen of India in the case of an untoward accident. An individual can avail an insurance cover of 2 Lakhs INR by investing a premium of 12 INR only. Thus the scheme spread awareness among everyone to avail for an accident cover.


  1. Atal Pension Yojana: 9th May 2015

Another protection scheme was launched by Modi in form of the Atal Pension Scheme. This scheme ensured that every individual had a pension facility to their name. Thus the number of pension account beneficiaries were increased by promoting the requirement of a pension scheme for an individual. According to this scheme, a subsidiary can avail a pension of 1000 INR to 5000 INR per month according to the investment done.


  1. Smart Cities Scheme: 29th April 2015

Smart City Scheme was launched under the reign of Modi to take a further step in the development of the country. Under this scheme, a smart and digitized approach will be undertaken to improve the facilities in Indian cities. This includes proper water and electricity supply along with facilities like better transportation, good Internet speed, and few safety measures.

Read More: Smart Cities Yojana: Benefits, Motives, and News

  1. Pradhan Mantri Garib Kalyan Yojana: 19th April 2015

This scheme was introduced as a welfare scheme by Narendra Modi in order to provide financial support to the poverty struck citizens. The concept was to organize workshops all over the country which citizens can pay and attend. Funds raised through these workshops will go directly to the account of PMGKY. Post demonetisation, all black money holders were encouraged to get rid of their unaccounted cash via contributing a part of it to PMGKY.

Read More: Pradhan Mantri Garib Kalyan Yojana

  1. MUDRA Yojana: 8th April 2015

Micro-finance Units Development And Refinery Agency or MUDRA was a scheme launched in order to provide proper financial support to all small businesses in the country. Start-ups and other microfinance sectors can avail a loan ranging from 50,000 INR to 10 Lakhs INR under this scheme. The loan provided to these small business units will enable them to expand and develop which in turn will be profitable for the country.


  1. PRASAD Scheme: 9th March 2015

Pilgrimage Rejuvenation and Spiritual Augmentation Drive or PRASAD Scheme aimed at providing an excellent tourism framework to the famous spiritual cities of India. This included cultural promotion of these cities via different media. Also, it involved the development of facilities to attract more tourists and make these cities a hub for financial income through tourism.


  1. Sukanya Samriddhi Yojana: 22nd January 2015

Narendra Modi launched this scheme to empower the girl child. The scheme stated that the parents of a girl child could start a Sukanya Samriddhi Account under her name for a duration of 14 years. This sum deposited in the account matures at a rate of interest as decided by the government. When the girl child is 18 years of age, then withdrawal can be made from this account for her education purposes. Also investing in this scheme would qualify for tax exemption under the Section 80C.


  1. HRIDAY Scheme: 21st January 2015

The Heritage City Development and Augmentation Yojana was launched in order to revitalize the Indian roots by the development of the heritage sites of India. 12 heritage cities were funded under this scheme to undergo development in terms of road connectivity, sewerage facilities, living conditions and a tourism friendly environment. The HRIDAY also aimed at financially supporting these cities by increasing the development on the tourism front. Also, the scheme ensured that the historical pride of India remains intact and protected.

Read More: HRIDAY Scheme: All You Need To Know

Government Schemes 2014

  1. Indradhanush Scheme: 25th December 2014

Indradhanush Scheme is a health and welfare scheme launched by the Modi government with the objective of protecting every Indian child from threatening diseases. The implementation of this Scheme involves vaccination of all children against diseases like polio, tuberculosis, tetanus, measles, pox, hepatitis, etc.


  1. Relaunch of PAHAL: 15th November 2014 (LPG Subsidy Scheme)

The PAHAL Scheme or LPG subsidy scheme employs the direct benefit transfer of LPG subsidy. This means that the LPG subsidy will be directly linked to the bank account of an individual from a particular domestic household. The bank account will be linked to the Aadhar card in this case. Thus the extra charge that is taken for transportation and other purposes is not actually government approved procedure. Basically, to eradicate those purposes, PAHAL was launched.

Read More: LPG Subsidy Scheme: PROS, CONS, Success Rate and Recent News

  1. Pradhan Mantri Bal Swacchta Mission: 14 November 2014

Another health and sanitation mission was undertaken by the government with this scheme. The main objective of Bal Swacchta Mission was to spread awareness regarding cleanliness habits among the children of India. This was done by implementing practices that ensured a clean environment, drinking water and sanitation facilities for children in schools and other surrounding areas.


  1. UDAAN Scheme: 14th November 2014

UDAAN Scheme was introduced by the Modi Government in order to promote the concept of women empowerment. Under this scheme, a meritorious female child can avail education, mentoring and scholarship services from the government in order to gain knowledge in the technical field. The scheme also wants to implement better education practices by enhancing teaching methods that will help these meritorious students.


  1. Pradhan Mantri Sansad Adarsh Gram Yojana: 11th October 2014

A huge step was taken towards rural development with the launch of this scheme. The aim of Sansad Adarsh Gram Yojana was to revolutionize the framework of rural India. To enable this all kinds of cultural, economic and structural reforms were undertook in villages. The concept was that each Member of Parliament is to take the responsibility of developing the conditions of three villages by 2019.

Read More: Sansad Adarsh Gram Yojana Objectives, Plan, Strategy

  1. Pradhan Mantri Fasal Bima Yojana: 11th October 2014

One of the largest cropping zones in India is where the Rabi and Kharif crops grow. These crops are sensitive and liable to damage in case of untoward natural conditions. Thus farmers responsible for growing these crops will be provided an insurance cover under this scheme. The insurance can be availed by paying a small premium. In the case of damage to these crops, farmers will be given the insurance amount thus ensuring that they can avail the minimum means to sustain.


  1. Swacchh Bharat: 2nd October 2014

Launched on Gandhi Jayanti, this scheme aims at fulfilling Gandhi’s mission to achieve a clean nation. Thus Swacchh Bharat aimed at providing public awareness for maintaining a clean environment by inculcating sanitary habits. It also aimed at improving the drinking water facilities and the cleanliness amenities in deprived and rural areas.


  1. Make In India: 25th September 2014

The Make In India Scheme was launched to inculcate within the citizens a tendency to depend on Indian manufactured products rather than foreign goods. Thus may small and multinational companies were engaged in building Indian products of the best quality to attract people. Also, an awareness was spread among the nation stating that if the scheme was successful, India will develop economically to a large extent.


  1. Deen Dayal Upadhyay Grameen Kaushlaya Yojana: 25th September 2014

This scheme was launched in rural India to increase the productivity of rural India by increasing the number of employed individuals. Thus there will be overall skill development among rural workers if they are engaged in different means of earning regular wages. The entire scheme will thus lead to the growth or “kaushlaya” of a village.


  1. Pradhan Mantri Jan Dhan Yojana: 28th August 2014

Previously India was underdeveloped in the financial sector due to many citizens not having a bank account. The Pradhan Mantri Jan Dhan Yojana aims at spreading an awareness and educating every citizen regarding the banking facilities that exist. Thus the idea of banking, savings, investment and insurance policies were promoted enabling everyone to implement them. Also, many bank branches were started in remote areas for the convenience of people residing there.









Pradhan Mantri Krishi Sinchai Yojana

Pradhan Mantri Krishi Sinchai Yojana or PMKSY is a government scheme introduced on 1st July 2015 in order to improvise the farming market of nature. The scheme aimed at better productivity from rural farming by utilizing necessary resources in a proper manner. Cabinet Committee on Economic Affairs took up this scheme under the leadership of our honorable Prime Minister, Narendra Modi. A budget of 500 billion INR was drawn to cater towards PMKSY.


Objectives of PMKSY

The PMKSY mission aimed to fulfill the following objectives:

  • A channelized irrigation system in farms to provide required water in fields.
  • Development of existing land and to utilize cultivable land for better productivity.
  • Introduce technologies which make the best of water as a natural resource and ensures conservation too.
  • Involvement of the administration in order to draw a financial plan in order to commence the use of those technologies.
  • Proper research in recycling the waste water to promote “More Crop Per Drop“.

Implementation Of PMKSY

The Indian nation is largely dependent on its agricultural sector for profits and development. Thus improper cultivation of crops leads to the suffering of many individuals and the society as a whole. Since agriculture largely depends on the availability of water, the implementation of PMKSY largely depends on the irrigation systems. Thus the government has taken the following steps:

  • Keeping in mind that 55% of the cultivable land in India does not have proper irrigation facilities, approximately 6 Lakh hectares of land has been brought under irrigation.
  • There are parts of cultivable land that suffer under poor irrigation techniques. Thus a part of the funds went to approximately 1300 watershed projects to improve those conditions.
  • The irrigation facilities are to be administered on district and state level by a supervising board called National Steering Committee (NSC). Narendra Modi is the chairman of this committee which consists of ministers as state (where PMKSY is implemented) representatives.
  • “More Crop Per Drop” is being implemented by optimal use and reuse of water resources. This is having a two-way benefit: clean water for crops and water conservation. The success of PMKSY largely banks on water preservation so a large part of the funds in being utilized to recycle water using modern technologies.
  • Apart from improving the efficiency of farming techniques, the government has also made a provision for the promotion of the National Agricultural Market. From the original budget, 200 crore INR has been extended to promotion policies to increase the sale of crop produced.

Benefits For Farmers Under PMKSY

Farmers are the key members involved in PMKSY. Thus their well-being is a matter of utmost importance for the Central Government. Thus apart from providing cultivable land and promoting their produce, other benefits have also been introduced for rural farmers:

  • Launching Pension Schemes aimed at supporting farmers financially.
  • The introduction of Insurance Schemes that protects farmers on a monetary basis in case of an untoward emergency.
  • Introducing techniques of organic farming keeping the health benefits in mind. Also, educating the farmers about organic farming techniques for promoting better cultivation of crops.




Heritage City Development And Augmentation Yojana (HRIDAY Scheme)

The Heritage City Development And Augmentation Yojana or HRIDAY is a government scheme that was launched on 21st January 2015. The main objective of this scheme was to preserve the rich Indian Heritage that was taking steady steps towards deterioration. The concept was to develop Ancient India alongside Urban and Rural planning and management. This Scheme would cover under it the cities which are Indian Heritage sites.


Birth Of HRIDAY Scheme

India is a land of diverse cultural traditions. People of all religious strata reside in India from time immemorial. Thus India houses a classic and rich collection of music, art, literature, handicrafts and architectural wonders. Conservation of these resources has often been a neglected process. The efforts were mainly from local communities residing in Heritage sites. But they did not have the full means to implement their ideas. The Central Government focused basically on financial issues, urban development, provision of facilities like sewerage connection and water supply. This resulted in the Heritage being derelict. Proper direction, sanitary facilities, lighting and other decorative aspects were found missing from Heritage sites. Thus the pride of India suffered.

This is when HRIDAY came to play. The Scheme took up the objective to develop Heritage cities on an overall basis. Conservation of the main monuments was the key objective, but not the only objective. HRIDAY covered an entire Heritage City and aimed to improve its sanitary systems, economic status, and quality of basic services provided. This, in turn, would lead to financial development via tourism, thus exposing the Indian culture maximally.


Objectives Of HRIDAY Scheme

HRIDAY aims to develop the basic heritage framework of India by conserving and renewing ancient infrastructure like:

  • Ancient Monuments
  • Temples and their architecture
  • Prayer Ghats

Apart from the infrastructural development of the heritages stated above, the cities around them would also undergo a revitalization. This includes improved sanitary facilities, sewerage system, connectivity through main roads and transportation facilities. Thus the main objective revolves around the following ideas:

  • The HRIDAY scheme is to be implemented over a period of approximately 4 years ( January 2015 to November 2018).
  • Development and Improving the framework of Heritage sites.
  • Improving public service delivered to cities with heritage sites.
  • Keep a documentation of all heritage sites ready to refer to the architectural and cultural aspects while development.
  • Improve the connectivity to heritage sites through roads so as to make tourism easier.


Growth And Implementation Of HRIDAY Scheme

The 4 years allotted to implementing the HRIDAY scheme with cover 12 major cities identified as the heritage sites of India. They are:

Amaravati, Amritsar, Ajmer, Badami, Gaya, Dwarka, Mathura, Kanchipuram, Velankanni, Varanasi, Puri, and Warangal.

These are the targeted cities in which the objectives are being currently implemented. Thus from the development and tourism point of view, a large progress has been made.


Funding Towards HRIDAY

The government of India has allocated a total asset of 500 crores INR to fund the HRIDAY Scheme. The funds are divided as follows:

  • 85% of the funds will go towards specific heritage site improvement.
  • 3% of the funds will go towards the development of heritage city.
  • The cost of operation and administration is covered by 1% of the funds.
  • Improving communication and networking is covered by 4% of the funds
  • To increase the capacity of local communities aiming to develop these sites, 3% of the total funds are being allocated.
  • 4% of the funding will go towards the preparation of reports and other documentation regarding the heritage sites.

The above division stands for the funds allocated to each of the 12 cities for heritage development.


Atal Mission for Rejuvenation and Urban Transformation (AMRUT Scheme)

Atal Mission for Rejuvenation and Transformation or AMRUT Scheme was introduced by the honorable Prime Minister Narendra Modi on June 2015. The key focus of the scheme is to re-launch urban projects to promote the development of proper infrastructure in Urban India. This scheme aims at overall Urban transformation with an improved framework, sewage disposal and proper water supply in all areas.  AMRUT follows a Public Private Partnership model. This means that on the demand other related schemes like Swachh Bharat Abhiyan and Housing For All can be linked to AMRUT as they all aim at urban development.


Budget For AMRUT

AMRUT collectively covers many government schemes at once. It is a part of Swachh Bharat and Housing For All. Also, AMRUT covers under it the “Smart City” objective designed by Modi for revolutionizing urban areas. Thus the budget drew collectively for AMRUT and “Smart City Plan” is approximately 1 Lakh Crore INR. Since its launch, AMRUT has seen a commencement of implementation in over 500 cities.

Application For AMRUT Scheme

Application towards AMRUT is made from the state towards the central government. A State Annual Action Plan (SAAP) needs to be submitted to the Central Government. The SAAP includes all Service Level Improvement Plans (SLIPs) required in an urban area. This proposed SAAP is then approved by the government, after which necessary steps are taken towards development. The SLIPs are drawn in accordance with the development required on a city-wise basis. The SLIPs might propose the following development ideas under it:

  • Improvement in quality and quantity of water supplied for domestic and other uses.
  • Improvement of sewer networks for proper disposal of urban waste.
  • Better connectivity via road and improving transportation facilities.
  • Improving the state of existing infrastructure and development of a better framework.
  • Digitized facilities like Wi-Fi and proper internet bandwidth.
  • Improvement in the industrial sector.

Rajasthan was the first among all states to submit SAAP to the Central Government in order to implement AMRUT

Target of AMRUT

States can submit SAAP to the government proposing several improvements to be made under the AMRUT scheme. The target the government aims at after the SAAP proposal are as follows:

  • Sanitized water is available for domestic and other purposes in all parts of a city.
  • Increasing the green space around the city by planting more trees and encouraging an environment-friendly framework.
  • Improving the public transport in a city and ensuring proper safety.
  • Controlling industrial pollution.
  • Implementing Wi-Fi and other digitized facilities to promote the “Smart City” plan.

Success of AMRUT

In its first phase of implementation, AMRUT has been approved and funded for Rajasthan, Gujarat and Andhra Pradesh. There have been further proposals made via SAAP. AMRUT has been implemented in more cities in the following manner:

  • Murshidabad district of West Bengal has been approved for AMRUT.
  • The sewer network systems of Amaravati district in Andhra Pradesh is being improved. Also, city wide provision of water is being implemented.
  • In Haryana, AMRUT has been linked with Swachh Bharat Abhiyan to promote better development in terms of waste management, water supply, and sewage systems.
  • Maharashtra has proposed for AMRUT implementation in 43 cities.
  • Madhya Pradesh has submitted SAAP for 34 cities to improve the water supply and waste management systems.
  • In Telangana, AMRUT is being implemented in 11 cities to improve the supply of water.
PMKVY Scheme

PMKVY: Pradhan Mantri Kaushal Vikas Yojana

Prime Minister Narendra Modi on 15 July 2015 launched the Skill India Campaign with an aim to train over 40 million people in the country by the year 2022. This campaign has various projects under it which include National Skill Development Mission, National Policy for Skill Development and Entrepreneurship 2015. As different investors and Industries from all over the world are invited by the honorable Prime Minister to set up business in India along with that, he also wants the youth to develop their skills. The Pradhan Mantri Kaushal Vikas Yojana (PMKVY) was thus foreseen as a key measure to impart skills-based training to young men and women. So that they are capable of earning for themselves and support the country become poverty free. The scheme becomes all the more important in India as it has the world’s largest youth population that requires employable skills.

PMKVY Scheme

The government has given a total outlay of 1,500 Crores To formulate and implement the PMKVY. The program is to impart skills to the 24 lakh youth in the country focusing mainly on the school dropouts and the poverty ridden areas. The scheme was launched in all the states of India in early July 2015.15 July 2015 was also observed as National Skills Day. The unemployment rate in India has gone down in a huge level by 2014. This scheme is being aimed to completely irradiate the unemployment issue.

National Skill Development Council has been given the charge of proper implementation of the scheme. According to the plan, the skills that the youth will be trained will be decided based on the National Skill Qualification Framework (NSQF) and also based on the opinion of the industries that would heir those skilled trainees. The Central and the Sates governments were also consulted for various inputs. This scheme also led to the development of other schemes like Digital India Scheme.

The government made sure that the enrolment process for the scheme is kept simple. Firstly proper advisement was made about the scheme throughout the country by making a partnership with telecom companies. The government sent out mass SMS about the scheme and provided the eligible candidate a toll-free number to call on (1800 102 6000). The candidates were supposed to give a missed call on the number, and they were directed to an IVR through an automated callback. There the candidate was asked to give to their necessary details. These details are stored and screened later. The eligible candidates were provided with the details of the nearest training centers and the dates which they should report.

The scheme was first launched in Bihar, and the youth from the northeastern part of India has been planned to give major focus. From 1 July 2015, about 1, 17,564 people from all over the country have already enrolled for skills training. Training has been instigated for some 1,07,080 trainees already. As the scheme’s implementation is being undertaken by NSDC’s training partners. The National Skill Development Corporation has come up with a list of 187 l training partners with 2300 training centers spread out in almost all the states of India. While the scheme is on experimental trail state in selective states and regions, a nation-wide launch is expected by mid-July. Out of the 1500 crores that were outlaid for the scheme INR 1120 is likely to be allocated for the training of the youth, 220 crores will be spent on the “recognition of prior learning”. And the rest INR 67 crores were spent on creating awareness and advertising about the scheme.

Along with the training, the candidates will have to go through an assessment at the end of the training period. A third party assessment body would evaluate the candidates and based on the skills acquired the candidates with will be rewarded with the financial support of INR 8000, and a certificate of merit is issued.

Not only in the development of the candidates, but this scheme has also looked into the fact that proper training institutes are setup. Digital training facilities and skilled instructors are highly valued by NSDC for the training sessions. The institutes that have been made partners were properly studied upon before the commencement of the scheme. The training curriculum which is followed is highly efficient and relevant. The state government and sector skill council continuously keep a check on the training sessions and the training institutes. They are highly monitored. A process of taking feedback from the candidates about the Institute and the session on a regular basis has also helped to make the scheme work very efficiently.

The latest updates of the event are as follows: On the occasion of the first anniversary of the Scheme, the Union Cabinet again outlaid an amount of 12000 crores to carry forward the scheme for next four years. According to government records, 18 lakh candidates have been enrolled to the scheme, and around 17 lakhs have successfully acquired the skills by July 2016. The National Skill Development Corporation is aiming to set up 50 International Training Centres all over the country. These centers will increase job opportunities for health care workers, retails, security, tourism, and many more sectors.

SAGY scheme

Saansad Aadarsh Gram Yojana (SAGY) Objectives, Plan, Strategy

Saansad Aadarsh Gram Yojana (SAGY) is a rural development program launched by the Hon’ble Prime Minister concerned with the social and cultural development and to provoke active participation of the rural community to create model villages one by one.

SAGY scheme

SAGY Objectives

The primary objectives of the program is to

  1. Develop Aadarsh Grams through the application of existing schemes and new initiatives reciprocating the needs in the locality or village community, which varies from village to village.
  2. Creating ideal village development which can be replicated in other villages as well.
  3. To initiate steps that lead to development of the identified Gram Panchayats
  4. To improve the standard of living of all sections through
  • Better livelihood opportunities
  • Wider social mobilization
  • Higher productivity
  • Enriched social capital
  • Improved basic amenities
  • Enhanced human development

The Plan behind SAGY

The vision of our Hon’ble Prime Minister is that, if we have to build a nation we have, to begin with the villages of our country. He firmly believes that if every member of parliament takes the initiative to transform villages in his/her constituency, a large number of villages would have seen development.

Under this program, each MP must choose one village from the constituency they represent and make it a model village by 2016.

After that they can two or more villages and do the same by the time the next general elections are held in 2019, and after that set themselves ten year development schemes.

What was the aim behind SAGY Yojana

The aim is to initiate and establish holistic development of Gram Panchayat. To significantly upgrade the standard and quality of life by targeting certain important aspects that can be broadly categorized as:

Personal development- personal values, cleanliness, cultural heritage

Human development- education, health, nutrition, social security

Economic development-livelihood, skill, financial inclusion

Social development-social values/ethics, social justice, good governance.

Strategy behind SAGY

  1. Conduct initiative programmes to create awareness towards active participation.
  2. Exercises for identifying the needs and priorities in an organized manner.
  3. Gathering resources from the central sector and centrally sponsored schemes and to their maximum extent.
  4. Repairing and rehabilitating existing infrastructure.
  5. Strengthening panchayats and public awareness
  6. Acting responsibly and with transparency.

A quick overview as to how SAGY is to be implemented

Identification- To initiate steps towards the development of the Aadarsh  Gram we have to first identify them. The selection of these villages are up to the discretion of the MPs or in general a tribal village or one with a population of 3000-5000 we’ll be an ideal selection as an Aadarsh Gram.

A Member of Parliament can freely choose his/her own village as an Aadarsh Gram. First identify one village for initial development then shortlist 2-3 more villages for subsequent development under the programme. The objective is to establish three Aadarsh Grams by 2019 or at least one by 2016. The target is to develop 5 of them at the rate of one per year by 2024.

Roles and responsibilities- Identification of Aadarsh Gram and social mobilization of the village community through a series of inculcating activities. Communicate the purpose and value of the program to all residents and be specific and transparent about the goals. Include suggestions and priorities and formulate a functional plan. Encourage participation and utilization of necessary resources through local contribution. The MPs will take responsibility to monitor the progress from time to tone and get involved to overcome obstacles that may arise through time. Ensure complete transparency throughout, from planning to implementation of outcomes and benefits.

How is SAGY going?

Currently, the second phase of Saansad Aadarsh Gram Yojana is in action, and so far we have seen only 40 MPs have adopted villages, 33 LokSabha members, and 7 RajyaSabha members, to develop them as model villages. Whereas in the first phase this count was well over 499 MPs in LokSabha and 199 MPs in RajyaSabha.

My Views on Saansad Aadarsh Gram Yojana

The Saansad Aadarsh Gram Yojana has been finally kicked off, and since the day of its launch 11 October 2014, almost two years have passed, and only a few have been actually benefited by it. The ruling party BJP has tried its level best to bring it into motion, but as we can see, there are conflicts about the funding of the scheme and activities. The opposition claims that it’s not right to use funding from the MPLAD scheme as they state that they’re already being used in other various development programs. Although it might not be justice to the efforts of the active government towards rural and as a result a nationwide development. This is nothing but an obstacle in the path of advancement and a quality living. It can only be overcome by unbiased and unprejudiced contribution towards community service through active participation and selfless attributes.

Smart City Yojana: Launched Date, Benefits, Motives and News

Indian economy has been growing consistently attracting global acclaim. Growing economic activity and urbanization have historically gone hand in hand. However currently, many cities are struggling to cope up with the adverse effects of unplanned development without any master plans. Adequate infrastructure and avenues for IT enabled services are sadly in short supply in most cities. The fast increasing gulf between urban rich and poor is also a matter of serious concern.

Keeping this in mind, Prime Minister Narendra Modi launched Smart Cities Awas Yojna Mission in June 2015. It is one of the government’s most ambitious programs, with a total of ₹980 billion being endorsed by the Indian Cabinet and the development of every single person in this country.

Selection of Smart Cities

The implementation of the project will take place in three rounds. The first round comprises of the selection of 20 cities which require immediate and foremost attention. These include Bhubaneswar, Pune, Jaipur, Ahmedabad, New Delhi and many others. The second round shortlists another 13 cities like- Lucknow, Chandigarh, Ranchi, etc. Lastly the last round would cover rest of the 27 cities. Amritsar, Nagpur, Agra, Varanasi are among the few cities shortlisted for the third round.

Main Motive of Smart City Yojana

The whole idea of Smart City Yojana is not just to build huge buildings but to develop a city and make it modern so that the people living in it may enjoy the easier lifestyle and may avail basic facilities easily.

This project would ensure sanitation and other modern facilities for developing the city. The scheme would provide certain essential things needed for the urban areas like vehicles, infrastructure, ecology, education, energy resources, people’s security, cleanliness and health care with the help of modern technologies.

Smart Housing for Smart cities

Foremost importance is being given to Smart Housing for Smart cities. According to the terms of the program, the government of India will undertake to construct about two crore houses by the year 2022. Each house covered under the scheme will draw in a central grant of about 1 lakh Indian rupees up to 2.3 lakh Indian rupees which will form a part of the 6.5 percent interest rate subsidy scheme which previously had an interest rate subsidy of 1 percent.

Digital Governance in Smart cities

Following which Digital Governance in Smart cities is being given significance. This includes- multi-channel citizen interface like mobile, web, face-to-face, kiosks and social media can assist in delivering various citizen-centric services such as bill payment, tax, and on-line issuance of certificates and registration of grievances. Social media has proven to be a very powerful two-way communication channel.

To serve all the major requirements of the implementation of the project, the government has the policy to outreach all the foreign investors so that they help in the development program.

This project will compromise a lot of steps. The exact duration of the scheme has not been mentioned, however, as conveyed the project would take place in phase/ rounds and the final phase should be completed within next two decades.

Benefits to other Social and Economic groups

While the Pradhan MantriAwasYojana is clear about its aim, it does make sure that the advantages of the program are cherished by every female, financially weak groups of Indian society. Tran’s genders and widows, members of the society which belong to the lower income groups and urban poor, and the Scheduled Castes and Scheduled Tribes shall be granted preference when they try to avail the affordable housing scheme.

Apart from these groups, people who often find themselves out of a home, senior citizens and differently-abled people shall also gain preference in allotment of houses. If needed, they shall be able to choose a ground floor house. As stated earlier, the project is one of the most ambitious projects till date in India and every Indian will be amazed by it.

The intent and the fundamental idea behind the project are quite righteous, provided the implementation part is done with utmost honesty. Protection and benefits are for everyone and every citizen of India should get all the benefits be in anyone either lower class people or even aTran’s genders and widows. Smart City Yojana would bring in smart solutions within the targeted cities so that the day to day lives of the citizens living in these cities is convenient and efficient at the same time.

job guarantee scheme

MGNREGA /NREGA Scheme- 100 Days Job Guarantee Scheme

MGNREGA or Mahatma Gandhi National Rural Employment Scheme is was introduced to increase job guarantee in the rural sectors. MGNREGA offers an employment tenure of at least 100 days to all the unemployed citizens of rural India who are adults (18 years and above). The objective is to provide non-skilled work to such citizens each financial year at a stipulated minimum pay as defined by the government. Implementation of MGNREGA ensures that the purchasing power of the rural India improves. Another excellent step taken by the government under MGNREGA is that about one-third of the unskilled laborers from rural areas are women. When MGNREGA was first introduced in 2005, it was known as the Nationwide Non-Urban Career Assurance Act. Later it came to be known by its present name in 2009. More about MGNREGA is given below.

job guarantee scheme

MGNREGA Details:

Full Form of MGNREGA

Also known as NREGA

Started in the year 2005

Later renamed as MGNERGA in 2009

MGNREGA or NREGA: Are they both same?

NREGA or MGNREGA are same schemes with different names. The scheme was launched in the year 2005, by the name NREGA (National Rural Employment Guarantee Act). Later in 2009, the scheme was renamed as MGNREGA.

Some people say that the name of Mahatma Gandhi is not there on the official website. This is because Mahatma Gandhi’s name was later added in 2009 by INC. Initially, when it was launched, it was known as NREGA scheme. This is the reason the official website of MGREGA is: and not MGNREGA.

What is a MGNREGA Card?

MGNREGA card is provided to every unemployed family. Instead of allotting every unemployed individually, one MGNREGA card serves the purpose for the entire family. It is basically a job card to track the activities and proceedings of days of work. One thing to note here is that all the family members sharing the same house, applicable under MGNREGA, will share the same card.

MNREGA Card comes with a unique number/code.

For example – WB/19/1/22/48

WB is the state name.

19 is the district code.

1 is the block code

22 is the village code

and 48 is the house number.

This way it becomes easier to track anybody with the unique code. Please note that it has now been linked with Aadhar Card.

Activities of MGNREGA

The benefits of MGNREGA are two-fold. Focus areas of activities are: growth in rural sectors and increasing the career opportunities by introducing jobs that demand unskilled labor.

The growth sector focuses on activities like:

  • Preservation of water
  • Controlling overflow of water by building embankments.
  • Introducing percolation aquariums and building tanks and ponds in possible places using manual labor.
  • Basically, the drought conditions in rural areas will be improved by the introduction of this scheme.

The career opportunities are the work provided to rural citizens after they are approved by their Gram Panchayat.

Funding For MGNREGA: MGNREGA And Union Budget 2017

Union Budget 2017 has extended an amount of 48,000 crore INR towards MGNREGA. The Nationwide Career Assurance Fund goes directly to the accounts of rural zones. This assistance provided by the government are divided into the following funding structure.

  • The salaries of unskilled laborers are extended by the government. Thus the government shoulders the entire price of income provided to adult rural workers.
  • The expenses required to administer MGNREGA like various programs, wage allocation, team building, working ground and facilities provided at the working ground are all borne by the government.
  • In the case where the government cannot fund some part of the wages for rural unskilled labor, there is a provision for providing unemployment relief.
  • The objective is to extend extra money in favor of MGNREGA with the introduction of each budget session.

How To Apply For Jobs Under MGNREGA

MGNREGA operates via issuing Job Cards for unemployed adults who wish to be a part of this scheme and benefit from it. Given here are more details about Job Card and the process of application for MGNREGA:

  • Job Cards are issued by Gram Panchayats to those applying for unskilled labor work.
  • These issued Job Cards are valid for a tenure of 5 years.
  • The Job Cards are issued in the name of a particular household. The details in the Job Card states the members of household eligible to work under MGNREGA.
  • The Job Cards are issued within a fortnight after verification of required documents.
  • On the basis of details provided on the Job Cards, adult individuals can apply for MGNREGA.
  • These applications need to be submitted to the Gram Panchayats who will process it further.
  • The entire cost to issue and provide these job cards are to be borne by the central government.
  • In case an individual loses their Job Card, a new application has to be made to the Gram Panchayat.
  • If an individual requires a change in personal details in regard to the household for which it is issued, the information needs to be conveyed to the Gram Panchayat.

If you have any doubts or queries about MGNREGA, please share it with us. We will do our best to answer you.

PMAY 2017

PMAY Scheme 2017: Pradhan Mantri Awas Yojana

Housing is a basic necessity for every human being. It provides a sense of security and ensures an environment of nourishment. It has over the years become a pivotal survival need. Keeping this in mind, Narendra Modi launched the Pradhan Mantri Awas Yojana in June 2015. This scheme has one simple objective: providing housing to all. The primary target of this scheme are the low-income groups or economically weaker sections of the society, female citizens and scheduled caste and scheduled tribe candidates.

PMAY 2017

Divisions In PMAY

There are two types of division under the Pradhan Mantri Awas Yojana. The schemes that  are completely sponsored by the central government are:

  • Land Allocation to slum dwellers in order to implement in-situ development.
  • Affordable housing facilities.
  • Subsidy for the construction of house or renovation of a house.

The scheme which acts as the Central Sector Scheme of PMAY is Credit Linked Subsidy Scheme.

Features of Government Sponsored Schemes Under PMAY

We will first discuss the features of all the government sponsored schemes. Following are some key points under this:

  • The lower income groups and economically weaker citizens of urban India will get a housing subsidy from the government. The amount of subsidy attained from the government is approximately INR 1 Lakh. Thus the weaker earning sections will be able to afford housing facilities easily. It falls under the government sponsored schemes.
  • Women and differently abled individuals will be given preference under this Scheme. The preference is given in sense that their application will be processed and taken into consideration earlier. This falls under the government sponsored scheme.
  • For the development of rural India, housing facilities are being to all slum dwellers and the homeless citizens. Under the Union Budget 2017-18, 23,000 crore INR is being extended towards this project.

To sum up the features, the government is crediting INR 100,000 to citizens who belong to the weaker earning sections. Also in the case where citizen under this category wants to buy a house or renovate their house a loan of INR 1.5 Lakhs will be extended from the government.

Credit Linked Subsidy Scheme Under PMAY: Features

There will be a subsidized rate of interest linked to house loans. According to Union Budget 2017-18, there has been an increase in the time period from 15 years to 20 years,  for the rate of interest will be to be 6.5%. The market rate for housing loans is 10.5%. This means that if someone applies for a home loan under PMAY, then they can enjoy a benefit of 4% where the interest rate is concerned. This scheme is also known as the Credit Linked Subsidy Scheme.

The subsidized interest rate ensures that the EMI that the beneficiary of loan has to pay will be much lesser than normal market rates. For example, if a person avails a loan of INR 6 Lakhs, the EMI payable as per market rates (10.5%) for 20 years is INR 8842. For the same principle, the EMI payable at subsidized rate of 6.5% for 20 years is INR 5400. Thus a benefit of INR 3442 is gained.

Some important characteristics of the Credit-Linked Subsidy Scheme are as follows:

  • Only urban sections of the society belonging to lower income groups (LIG) and Economically Weaker Sections (EWS) can avail this loan.
  • To get subsidized rates of 6.5%, the maximum loan value is 600,000 INR. Above this limit, the interest has to be paid at market rates.
  • If the loan period is exceeding 20 years, then the beneficiary has to pay at subsidized rates for first 20 years. The remaining balance has to be paid at market rates.
  • In the case of house extension or renovation, the loan will only be provided if the carpet area of the house is 30 meters for EWS category citizens and 60 meters for LIG category citizens.
budget 2017-18

Union Budget 2017 in Short: Highlights and Keynotes

Union Budget 2017 was presented today by the Finance Minister, Mr. Arun Jeitley. 1st February 2017 was probably the most awaited day after the legendary demonetisation on 8th November 2016. The Union Budget 2017 was to be presented officially by our Honourable Finance Minister today. The budget for this financial year is released earlier in the wake of the economic scenario of India. Narendra Modi described this budget as “futuristic” path for India which aims at fulfilling the dreams of citizens from all sectors. Here are the key highlights from the Union Budget, sequentially as telecast live.

budget 2017-18

Union Budget 2017 Key Highlights

The Budget started on a high note with the Honourable President Pranab Mukherjee calling the session himself. At approximately 11:10 a.m., Arun Jaitley started presenting the budget.

The announcement of this financial year’s budget being a “system and policy-based administration” was the declaration of eliminating black money completely. With a formal economy finally introduced, the financial reins are now completely in the hands of the government.

The merging of Railway Budget with the Union Budget was a huge step forward in the commencement of an economy that is stable and integrated. Though the budget has been merged, the Railways remain an autonomous body.

  • More financial assets will be spent by the government of rural areas, households below the poverty line and infrastructure development.
  • Soil testing equipment will be set up in all rural areas (648 Krishi Vigyan Kendras) as the first step towards development.
  • The new economic aim is to raise the GDP ( Gross Domestic Product) rate to 7.6% in the financial year 2017-2018.
  • By developing the rural areas, double the normal income will be generated for farmers. The Mahatma Gandhi National Rural Employment Guarantee Act will improve giving the agricultural sector a growth rate of 4.1%. There will be a credit of INR 48,000 crore towards MGNREGA and INR 10 Trillion for the agricultural sectors.
  • A major reform in Union Budget 2017 is the passing of GST Bill which will ensure a centralized taxation on goods and other services.
  • INR 27,000 is to be used for the Pradhan Mantri Gram Sadak Yojana to provide homes to one crore homeless people.
  • 28,000 domestic households affected by arsenic invested water will be provided clean drinking water facilities.
  • The credit linked subsidy scheme loans have extended their period from 15 years to 201 years under the Pradhan Mantri Awas Yojana.
  • 100 International skill centers will be introduced to help the Indian citizens to get a job in a foreign country. Apart from that the higher education system of the country will become be made autonomous by giving an autonomy under UGC to colleges and institutions.
  • Dairy funds of INR 8000 crore is proposed for three years. The initial financial support provided to the dairy industry is INR 2000 crore.
  • FDI policy liberalization is being done by abolishing Foreign Investment Promotion Board. All FDI request will now follow an automatic route.
  • Expenditure budget extended towards railways is INR 1.3 Lakhs crore. This is to develop the Indian Railways by providing more facilities like escalators, lift etc.
  • There will be no Service Tax levied on any bookings through IRCTC E-Ticketing portal.
  • INR 10,000 crore will be credited towards Bharat Net Project meaning that high-speed Broadband connection will be given.
  • 64000 crore will be credited towards highway development projects.
  • Power Development of 24,000 MW through solar energy by funding all solar power projects.
  • The advance tax rate on Income Tax will be increased by 34.8% in the wake of demonetization.
  • Income tax for Microfinance Units will be reduced.
  • The customs on Liquefied Natural Gas (LNG) is to be reduced to 2.5%.
  • All cash transactions for every individual will be limited to INR 3 Lakhs.
  • Political parties can receive donations only via transparent modes like cheque or digital banking. The cash donation amount towards the political parties will be limited to INR 2000 per individual.
  • The Income Tax Rate for all the salaried citizens earning between INR 3- 5 Lakhs will be reduced to 5% from the previous rate of 10%. A 10% surcharge rate in Income Tax will be applicable for those earning between INR 50 Lakhs to INR 1 crore.

Union Budget Allocation

MNREGA- 48,000 Crore INR compared to last years 35,000 Crore INR

Transport sector – 2 Trillion INR

Highways- 64,000 Crore INR.

Indian Railways – 55,000 Crores INR.

PM Awas Yojana- 23,000 Crore INR

Defense – 86,400 Crore INR

Agriculture credit – 10,00,000 Crore INR

Income Tax Slab 2017-18

Total Income (Taxable Income) Net Tax
Below 3,00,000 INR 0
3,00,001-5,00,000 INR 5%
5,00,001-10,00,000 INR 20%
10,00,001-50,00,000 INR 30% + 10 % surcharge
50,00,001-1,00,00,000 INR 30 % + 15 % surcharge