GOVT. SCHEMES FOR ALL

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• https://financialservices.gov.in/new-initiatives/schemes
• PRADHAN Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

age group of 18 to 50 years having a bank account who give their consent to join / enable auto-debit

 Risk coverage under this scheme is for Rs. 2 lakh in case of death of the insured, due to any reason. The premium is Rs. 436 per annum which is to be auto-debited in one

installment from the subscriber’s bank account as per the option given by him on or before 31st May of each annual coverage period under the scheme.

The premium is Rs. 436 per annum which is to be auto-debited in one installment from the subscriber’s bank account as per the option given by him on or before 31st May of each annual coverage period under the scheme.

• Pradhan Mantri Suraksha Bima Yojana (PMSBY)

•  age group 18 to 70 years with a bank account
• scheme is Rs. 2 lakh for accidental death and full disability and Rs. 1 lakh for partial
• The premium of Rs.20 per annum is to be

• Atal Pension Yojana (APY)

•  age group of 18 to 40

• APY was launched on 9th May, 2015 by the Prime Minister. APY is open to all saving bank/post office saving bank account holders in the age group of 18 to 40 years and the contributions differ, based on pension amount chosen.  Subscribers would receive the guaranteed minimum monthly pension of Rs. 1,000 or Rs. 2,000 or Rs. 3,000 or Rs. 4,000 or Rs. 5,000 at the age of 60 years. Under APY, the monthly pension would be available to the subscriber, and after him to his spouse and after their death, the pension corpus, as accumulated at age 60 of the subscriber, would be returned to the nominee of the subscriber. The minimum pension would be guaranteed by the Government, i.e., if the accumulated corpus based on contributions earns a lower than estimated return on investment and is inadequate to provide the minimum guaranteed pension, the Central Government would fund such inadequacy. Alternatively, if the returns on investment are higher, the subscribers would get enhanced pensionary benefits.

• Pradhan Mantri Mudra

•  8th April 2015. Under the scheme a loan of upto Rs. 50,000 is given under sub-scheme ‘Shishu’; between Rs. 50,000 to 5.0 Lakhs under sub-scheme ‘Kishore’; and between 5.0 Lakhs to 10.0 Lakhs under sub-scheme ‘Tarun’. Loans taken do not require collateral
•  confidence of young, educated or skilled workers who would now be able to aspire to become first generation entrepreneurs; existing small businesses, too, will be able to expand their activates

• Stand Up India Scheme

•  The Scheme facilitates bank loans between Rs.10 lakh and Rs.1 crore to at least one Scheduled Caste/ Scheduled Tribe borrower and at least one Woman borrower per bank branch for setting up greenfield enterprises. This enterprise 
• The scheme is operational and the loan is being extended through Scheduled Commercial Banks across the

• Pradhan Mantri Vaya Vandana Yojana

• ALL SCHEMES ARE EXCELLENT .
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•  BUT HOW A LAYMAN OR A WOMAN ILLITERATE UNDERSTAND THESE SCHEMES IS A MILLION DOLLAR QUESTION.
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• I SUGGEST AN OFFICE WITH ONE PUBLIC RELATIONS OFFICER (IAS ) BE OFFERED   THIS POST,WHO IS CLEAN AND HAVE THE SERVICE MOTTO IN MIND ALWAYS AVAILABLE IN THE OFFICE DURING WORKING HOURS.
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• THIS COULD BE A SINGLE WINDOW SERVICE FOR ALL  SCHEMES OF THE GOVT. SO PAINSTAKINGLY PREPARED WITH ALL GOOD INTENTIONS.'
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• WISHING THE SCHEMES ALL SUCCESS. LET BHARAT PROSPER AND BECOME GREAT WITH PROSPERITY IN EVERY HOUSEHOLD.
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