#PM Garib Kalyan Yojana

[umangharyana]

राशनकार्ड धारकों की हो गई मौज, अगले महीने से फिर मिलेगा एक्सट्रा गेहूं

केंद्र सरकार ने देश के गरीब और पिछड़े वर्ग के लोगों की मदद के लिए प्रधानमंत्री गरीब कल्याण अन्न योजना (PM Garib Kalyan Anna Yojana) को और प्रभावी बना दिया है। इस योजना के तहत गरीब परिवारों को मुफ्त अनाज उपलब्ध कराया जा रहा है। योजना का उद्देश्य देश के वंचित और जरूरतमंद लोगों को खाद्य सुरक्षा प्रदान करना है। जुलाई 2024 से दिसंबर 2028 तक इस योजना के अंतर्गत लाभार्थियों को मुफ्त अनाज वितरित किया…

[twnenglish]

Decoding Union Budget 2024: A Roadmap for 'Viksit Bharat' (Developed India)

Decoding Union Budget 2024: A Roadmap for 'Viksit Bharat' (Developed India)

With the Union Budget 2024 scheduled for presentation on July 23rd, all eyes are on Finance Minister Nirmala Sitharaman. This budget holds immense significance as it outlines the government's financial roadmap for the coming year, paving the way for achieving Prime Minister Narendra Modi's ambitious vision of a "Viksit Bharat" (Developed India) by 2047. Let's delve deeper into the key areas that may receive focus in Budget 2024, acting as stepping stones towards a fully developed India.

Top Government Priorities for Budget 2024

Building a Strong Foundation: Macroeconomic Management

As Jayant Sinha, Former Minister of State for Finance, rightly pointed out, ensuring economic stability is paramount. The Modi government's track record with macroeconomic management has been commendable, laying a solid foundation for sustained economic growth. Budget 2024 is expected to build upon this success by focusing on:

Fiscal Consolidation: Maintaining a healthy balance between government expenditure and revenue generation is crucial for long-term economic stability. The budget may target a gradual reduction in the fiscal deficit while ensuring sufficient spending on crucial sectors.

Inflation Control: The recent rise in inflation has put pressure on household budgets. The government might propose measures to control inflation, such as better supply chain management and strategic interventions in key sectors like food and energy.

Promoting Exports: Boosting India's export competitiveness will be vital in achieving sustained economic growth. The budget could introduce incentives for exporting companies, including tax breaks, infrastructure improvements, and trade agreements.

Prioritizing Social Welfare Schemes: Uplifting Lives

The Modi government's flagship social welfare programs have played a pivotal role in alleviating poverty and improving living standards. Budget 2024 is likely to continue emphasizing these initiatives, including:

Direct Benefit Transfers:

These schemes help ensure targeted and efficient delivery of financial assistance to beneficiaries. The budget may announce a potential increase in the allocation for schemes like PM Kisan Samman Nidhi (farmers' income support) and Ujjwala Yojana (clean cooking fuel for rural women).

Garib Kalyan Yojana:

This scheme provides financial assistance to vulnerable sections of society. The budget could address specific needs within the program, such as expanding healthcare coverage or enhancing skill development opportunities.

Ayushman Bharat:

This flagship health insurance scheme has expanded access to affordable healthcare. Budget 2024 could propose expanding the program's coverage, increasing its reach to a wider population, particularly in rural areas.

Read More

[newsorbiter]

Interim Budget 2024-25, a beacon of hope for India's growth amid challenges

The Interim Budget 2024-25, presented by Union Finance and Corporate Affairs Minister Nirmala Sitharaman seeks to inject the economy with policies and measures aimed at reigniting positive sentiments and accelerating growth. Can this budget be the catalyst for achieving these growth targets? Let’s delve into its key highlights. Under the guiding principles of ‘Sabka Saath, Sabka Vikas, and Sabka Vishwas’ and the inclusive approach of “Sabka Prayas,” the Finance  Minister  presented the Interim Union Budget 2024-25 in Parliament. The budget focuses on social justice, particularly uplifting four major segments: the poor (‘Garib’), women (‘Mahilayen’), youth (‘Yuva’), and farmers (‘Annadata’). Key Initiatives: Poverty Alleviation: The budget emphasises 'Garib Kalyan, Desh ka Kalyan,' claiming to have lifted 25 crore people out of multi-dimensional poverty in the last decade. Direct Benefit Transfer (DBT) of Rs 34 lakh crore through PM-Jan Dhan accounts has resulted in government savings of Rs 2.7 lakh crore. The PM-SVANidhi scheme provided credit assistance to 78 lakh street vendors, with 2.3 lakh receiving credit for the third time. Tribal and Artisan Support: Schemes like PM-JANMAN Yojana aid the development of particularly vulnerable tribal groups (PVTG), while PM-Vishwakarma Yojana provides end-to-end support to artisans and craftspeople in 18 trades. Agricultural Initiatives: PM-KISAN SAMMAN Yojana provided financial assistance to 11.8 crore farmers, while PM Fasal Bima Yojana offers crop insurance to 4 crore farmers. The Electronic National Agriculture Market (e-NAM) integrated 1361 mandis, serving 1.8 crore farmers with a trading volume of Rs 3 lakh crore. Women Empowerment: The budget highlights 30 crore Mudra Yojana loans given to women entrepreneurs. Female enrollment in higher education has increased by 28%, with girls and women constituting 43% of enrollment in STEM courses, one of the highest rates globally. Over 70% of houses under PM Awas Yojana in rural areas have been allotted to women. Housing: Despite COVID challenges, the budget aims to achieve the target of three crore houses under PM Awas Yojana (Grameen) soon, with an additional two crore houses to be taken up in the next five years. Strategic Initiatives: Rooftop Solarisation and Free Electricity: A significant announcement is the provision of 300 units of free electricity per month through rooftop solarisation to one crore households, expected to save households Rs 15,000 to Rs 18,000 annually. Healthcare: The Ayushman Bharat scheme will be extended to all Accredited Social Health Activist (ASHA) workers, Anganwadi Workers, and Helpers, ensuring broader access to healthcare services. Agriculture and Food Processing: The Pradhan Mantri Kisan Sampada Yojana has benefited 38 lakh farmers and generated 10 lakh employment opportunities. The Pradhan Mantri Formalisation of Micro Food Processing Enterprises Yojana has assisted 2.4 lakh Self-Help Groups (SHGs) and 60,000 individuals with credit linkages, boosting the agricultural and food processing sectors. Research and Innovation: A corpus of Rs 1 lakh crore will be established with a fifty-year interest-free loan to catalyse growth, employment, and development through research and innovation. Infrastructure: An 11.1% increase in capital expenditure outlay for infrastructure development and employment generation, amounting to Rs 11,11,111 crore, is aimed at enhancing the country's infrastructure and creating employment opportunities. Railways: Under the PM Gati Shakti initiative, three major economic railway corridor programs will be implemented to improve logistics efficiency and reduce costs. Aviation Sector: The plan to double the number of airports to 149 and the order of over 1000 new aircraft signals significant growth in the aviation sector. Green Energy: Plans include setting up a coal gasification and liquefaction capacity of 100 MT by 2030 and a phased mandatory blending of compressed biogas (CBG) in compressed natural gas (CNG) for transport and piped natural gas (PNG) for domestic purposes. Tourism Sector: States will be encouraged to undertake comprehensive development of iconic tourist centers, with long-term interest-free loans provided for financing such development. Investments: The budget highlights significant Foreign Direct Investment (FDI) inflows, totaling USD 596 billion during 2014-23, reflecting a positive outlook for investments in the country. Reforms in the States: To support milestone-linked reforms by state governments, a provision of Rs 75,000 crore as a fifty-year interest-free loan is proposed. The budget also focuses on tax rationalisation efforts, achievements in taxpayer services, and the economic journey since 2014. It sets the stage for a dynamic and inclusive growth trajectory, aiming to propel India towards greater prosperity and well-being for all its citizens. Read the full article

[manishprajapati3311]

Through Garib Kalyan Anna Yojana 80 crore poor benefited during Corona : PM Modi

[mehtasatya07]

Through Garib Kalyan Anna Yojana 80 crore poor benefited during Corona: PM Modi

http://dlvr.it/SyVz2d

[blogposts004]

Haqdarshak Yojna Card

In recent years, accessing government schemes and services has become a major challenge for citizens in India. There are numerous schemes and programs offered by the government, but the process of applying for and accessing them can be confusing and time-consuming. 

However, thanks to the Haqdarshak app, citizens can now access government schemes with ease. The app, founded by Aniket Doegar, has now introduced a new feature called the Haqdarshak Yojna Card, which is making it even easier for citizens to access government schemes. In this article, we will explore the Haqdarshak Yojna Card in detail, its benefits, and how it is making a difference in the lives of citizens.

What is the Haqdarshak Yojna Card?

The Haqdarshak Yojna Card is a new feature introduced by the Haqdarshak app that aims to simplify the process of accessing government schemes. The card is a physical card that contains the citizen's unique identification number and is linked to their Haqdarshak app account. With this card, citizens can easily access government schemes without having to provide extensive documentation or undergo lengthy verification processes.

With over 15,000 trained Haqdarshak Sathis (field agents), the app has reached over 1.5 million citizens across India.

The Haqdarshak app provides a range of services to citizens, including scheme eligibility checks, application assistance, document collection and verification, application submission, and application tracking. The app is available in several regional languages, making it accessible to citizens from diverse backgrounds.

The app has had a significant impact on the lives of citizens across India. For instance, during the COVID-19 pandemic, Haqdarshak helped citizens access relief schemes such as the Pradhan Mantri Garib Kalyan Yojana and the PM-KISAN scheme. In addition, the app has helped citizens access schemes related to education, health, housing, and entrepreneurship, among others.

How does the Haqdarshak Yojna Card work?

To obtain a Haqdarshak Yojna Card, citizens must first download the Haqdarshak app and create an account. Once the account is created, citizens can apply for the card through the app. The app will then verify the citizen's details and eligibility for various government schemes. Once the verification process is complete, the card will be sent to the citizen's registered address.

The app's unique model of combining technology with human intervention has made it a success. Haqdarshak Sathis are trained to provide citizens with personalized support, which includes assisting them with documentation and navigating complex bureaucratic processes. This model has enabled citizens to access government schemes seamlessly, reducing the time and effort required for manual processing.

Haqdarshak has received several accolades for its work in the social sector. The app was featured in Forbes India's 30 under 30 lists in 2019 and was also recognized as a 'Promising Start-up' by the Government of India. In addition, the app has received funding from several prominent organizations, including the Bill and Melinda Gates Foundation, Omidyar Network, and Gray Matters Capital.

Benefits of the Haqdarshak Yojna Card

Easy Access to Government Schemes - The Haqdarshak Yojna Card Shark Tank makes it easy for citizens to access government schemes without the need for extensive documentation or lengthy verification processes.

Increased Efficiency - The card streamlines the process of accessing government schemes, reducing the time and effort required for manual processing.

Better Accountability - The card enables citizens to track the progress of their scheme applications, which increases transparency and accountability in the process.

Increased Participation - The card has increased the participation of citizens in government schemes. By simplifying the process, the card has made it easier for citizens to apply for and avail of benefits.

Reduced Corruption - The card reduces the scope for corruption by ensuring that only eligible citizens receive government scheme benefits.

Social Impact - The card has had a positive social impact, especially on marginalized communities. Citizens from rural and remote areas who were previously unable to access government schemes can now do so through the card.

The Founder - Aniket Doegar

Aniket Doegar is the founder of Haqdarshak, a social entrepreneur who is passionate about using technology to address social issues. Aniket holds a degree in engineering from IIT Delhi and an MBA from the Indian School of Business. Before founding Haqdarshak, Aniket worked with several organizations, including McKinsey & Company and J.P. Morgan. Aniket was also a fellow with Teach for India, where he taught at a low-income school in Delhi. 

It was during this time that Aniket became aware of the challenges faced by citizens in accessing government schemes. This experience inspired him to start Haqdarshak and make a difference in the lives of citizens.

Looking Ahead

Haqdarshak is constantly evolving and innovating to better serve citizens. In addition to the Haqdarshak Yojna Card, the app has introduced several new features, such as the Haqdarshak Knowledge Portal, which provides citizens with information on various schemes and programs.

The Haqdarshak team is also working on expanding its reach by partnering with government agencies, NGOs, and other organizations. The app's goal is to reach 100 million citizens across India and help them access government schemes seamlessly.

Conclusion

The Haqdarshak Yojna Card is a powerful tool that is making a difference in the lives of citizens across India. The card's benefits, including improved access, increased efficiency, better accountability, increased participation, reduced corruption, and positive social impact, are making it easier for citizens to access government schemes.

The founder, Aniket Doegar, is a social entrepreneur who is passionate about using technology to address social issues. Aniket's vision of using technology to empower citizens and create positive social impact has inspired the Haqdarshak team to make a difference in the lives of citizens across India.

Overall, Haqdarshak is an excellent example of how technology can be used to create a positive social impact and empower citizens. As the app continues to evolve and expand, it has the potential to transform the way citizens access government schemes in India.

[priyasongarablogpage]

Pradhan Mantri Garib Kalyan Anna Yojana 

Pradhan Mantri Garib Kalyan Anna Yojana (PM-GKAY) is a plan as a component of Atmanirbhar Bharat to supply free food grains to travellers and poor.

Stage I and Stage II of this plan was functional from April to June, 2020 and July to November, 2020 separately. Stage III of the plan was functional from May to June, 2021. Stage IV of the plan during July-November, 2021 and Stage V from December 2021 till Walk, 2022 .

Under this plan, the middle gives 5kg of free food grains each month to poor people. This is notwithstanding the sponsored (Rs 2-3 for each kg) apportion gave under the Public Food Security Act (NFSA) to families covered under the Public Appropriation Framework (PDS). The food grain and the sum might be variable.

Stage VI

The PMGKAY plot for Stage VI from April-September, 2022 would involve an expected extra food appropriation of Rs. Rs. 80,000 Crore.

Note

Check One Country One Proportion Card Plan which gives a choice to all qualified apportion cardholders or recipients covered under the Public Food Security Act (NFSA), 2013 for getting to their privileges from anyplace in India.

 Required report

Ration Card

Aadhar Card

Eligibility 

Antyodaya Anna Yojana (AAY) and Need Families (PHH) classifications will be qualified for the plan.

PHH are to be distinguished by State Legislatures/Association Region Organizations according to rules advanced by them. AAY families are to be distinguished by States/UTs according to the rules recommended by the Focal new Government yojana:

Families headed by widows or critically ill people or crippled people or people matured 60 years or more with no guaranteed method for means or cultural help.

Widows or in critical condition people or impaired people or people matured 60 years or more or single ladies or single men with no family or cultural help or guaranteed method for means.

All crude ancestral families.

Landless agribusiness workers, minor ranchers, provincial craftsmans/specialists like potters, leather treaters, weavers, smithies, woodworkers, ghetto occupants, and people procuring their vocation on consistent schedule in the casual area like doormen, coolies, cart pullers, pushcart pullers, leafy foods dealers, snake charmers, cloth pickers, shoemakers, destitutes and other comparable classes in both rustic and metropolitan regions.

All qualified Beneath Neediness Line groups of HIV positive people

Parts OF PMGKY

Coming up next are parts of the PM Garib Kalyan Yojana bundle:

PM Garib Kalyan Anna Yojana

This is the universes' biggest food security plot sent off by the Public authority of India to battle Coronavirus instigated monetary interruptions. The plan means to guarantee sanitation (of poor people) by giving food things including 5 kg rice/wheat per individual and 1 kg gram for each family consistently for nothing.

All recipients of the designated public circulation framework (TPDS) for Antyodaya Anna Yojana (AAY) and need family (PHH) proportion cardholders are qualified for food grains under this plan. Key highlights of the plan incorporate the accompanying:

80 crore people, i.e., ~66% of India's populace was covered under this plan

Every single one of them got twofold of their ongoing qualification. This additionality was liberated from cost.

To guarantee accessibility of protein, 1 kg of heartbeats were given to families (according to local inclinations)

Protection Plan for Wellbeing Laborers Battling Coronavirus

Under this plan, the govt. has safeguarded wellbeing experts treating Coronavirus patients. In the event of unplanned demise of these medical services experts, the family would be repaid with a measure of Rs. 50 lakh. Inadvertent demise incorporates passing because of Coronavirus or mishap while drawing in with Coronavirus related obligation. The charge of this plan is being borne by the Service of Wellbeing and Family Government assistance.

Public medical services suppliers including local area wellbeing laborers, confidential clinic staff and resigned/volunteers/nearby metropolitan bodies/contracted/everyday pay/specially appointed/reevaluated staff demanded by the states/focal emergency clinics/independent medical clinics of the Focal/States/UTs, AIIMS and INIs/medical clinic of the Focal Services are remembered for this plan.

Aside from these medical care experts, representatives, for example, 'safai karamcharis', ward young men, attendants, ASHA laborers, paramedics, professionals, specialists and trained professionals and other wellbeing laborers were likewise covered.

The plan covered ~22 lakh wellbeing laborers who are battling the pandemic.

Other conspicuous plans sent off or advanced quickly through PMGKY incorporates the accompanying:

Settlements ahead of time to Ranchers under PM KISAN sarkari yojana

To help ranchers during Coronavirus, the govt. high level the main portion of PM Kisan Yojana. The portion of Rs. 2,000 was expected in 2020-21, yet was frontloaded and paid in April 2020. This covered around 8.7 crore ranchers.

Backing to Low-workers in Coordinated Areas

To help independent ventures, the govt. proposed to pay 24% of workers' month to month compensation into their PF accounts.

Breadwinners (procuring underneath Rs. 15,000 every month) in a business with <100 laborers were qualified for this plan.

Free Gas Chambers to Unfortunate Families

For a very long time beginning April 2020, the public authority gave free condensed petrol gas (LPG) chambers to more than 8 crore State head Ujjwala Yojana (PMUY) recipients.

MNREGA Laborer Backing

The govt. expanded MNREGA compensation by Rs. 20 with impact from April 1, 2020. The step was to give an extra for each capital advantage of Rs. 2,000 to a specialist. Around 13.62 crore families profited from this plan.

Backing to Senior Residents

To help the senior residents and individuals with inabilities, the govt. moved Rs. 1,000 for a considerable length of time to 3 crore matured widows and individuals in the Divyang (impaired) classification.

Different Measures

The Govt. of India additionally altered the EPF guidelines to incorporate pandemic as the motivation to permit non-refundable development of 75% of the EPF sum or 90 days' wages (whichever is lower).

It likewise permitted a government assistance reserve for building and other development laborers to help and support laborers during Coronavirus interruptions. The asset upheld around 3.5 crore enlisted laborers.

Conspire Result

Under the PM Garib Kalyan Bundle, over Rs. 68,820 crore was given through money or help to 42 crore needy individuals the nation over.

Rs. 30,952 crore was moved to ladies account holders of the PMJDY; Rs. 2,814.5 crore was moved to 2.81 crore old individuals, widows and individuals with handicaps; Rs. 17,891 crore was paid to ranchers as a development portion under the PM Kisan Yojana; and Rs. 4,987 crore was appropriated to help 1.82 crore development and building laborers.

Aside from this, Rs. 2,476 crore was added to the EPF record of 0.43 crore workers and Rs. 9,700 crore was moved to recipients of the PM Ujjwala Yojana.

[krishnaiasinstitute]

PM-GARIB KALYAN ANNA YOJANA/PMGKAY/NFSA

[getration]

अगर आप भी फ्री राशन वाली सुविधा का फायदा लेते हैं तो अब आपको बता दें कि आपको फ्री 5 किलो चावल मिलेगा.

पीएम गरीब कल्याण योजना के तहत 20 से 30 नवंबर तक की तारीख निर्धारित की है तो आप इस तारीख पर फ्री चावल ले सकते हैं. 

राष्ट्रीय खाद्य सुरक्षा कानून के तहत पात्र लाभार्थियों को सरकार महीने में 2 बार राशन कोटे की दुकानों से दिलवा रही है, जिसका फायदा देश के करोड़ों लोगों को मिल रहा है. बता दें इसमें एक बार राशन का वितरण निर्धारित मूल्य पर किया जाता है. वहीं, दूसरी बार में गरीब कल्याण अन्न योजना के तहत फ्री वितरण किया जाता है.

If you also take advantage of the facility of free ration, then now let us tell you that you will get 5 kg rice for free.

Under the PM Garib Kalyan Yojana, the date has been fixed from 20 to 30 November, so you can take free rice on this date.

Under the National Food Security Act, the government is providing ration quota twice a month to the eligible beneficiaries, which is benefiting crores of people of the country. Let us tell you that once the ration is distributed at a fixed price. Whereas, in the second time, free distribution is done under Garib Kalyan Anna Yojana.

[twnenglish]

Budget 2023: Budgetary Allocations To Major Social Schemes

The Narendra Modi administration's final comprehensive budget before the 2024 general elections was delivered on February 1 by Finance Minister Nirmala Sitharaman. The Minister revealed a variety of fresh programmes, revised income tax brackets and customs duty rates, as well as concessions for farming and the switch to green energy.

In the Union Budget 2023–24 paper, increasing financing for important social programmes that assist socioeconomic progress was also emphasised. Here is an overview of how the budgetary allotments for some of the key initiatives have changed:

Budget 2023: Budgetary Allocations To Major Social Schemes

1. MGNREGS:

The government significantly cut the funding for the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) compared to the 89,400 revised estimate for the current year.

The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) was passed in 2005 with the goal of enhancing the livelihood security of households in rural regions. They claim that the MGNREGS is a demand-driven program that applies to all districts in the country, with the exception of those with a 100% urban population, and guarantees 100 days of unskilled work per year for every rural home that requests it.

2. Food Subsidies: 

National Food Security Act (NFSA): The Center has allocated just over 2 lakh crore for food subsidies under the National Food Security Act (NFSA), which includes money for the Food Corporation of India, money for state agencies to purchase grains on a decentralized basis, and money for other logistical costs. In place of the customary subsidized prices of $3 for a kilogram of rice, $2 for a kilogram of wheat, and $1 for a kilogram of coarse cereal, the 81.35 crores NFSA members will begin getting 5 kg of free foodgrains each month beginning in January 2023.

3. Pradhan Mantri Garib Kalyan Anna Yojana (PMGKAY)

After beginning as an emergency response to the COVID-19 pandemic in April 2020 and receiving numerous extensions since then, the Pradhan Mantri Garib Kalyan Anna Yojana (PMGKAY), which provided an additional 5 kg of free grains each month to NFSA beneficiaries, was terminated, it was announced in December. The Center's food subsidy cost for the NFSA would typically be close to 2 lakh crore; however, the PMGKAY has almost quadrupled that amount for the last two years, which is similar to the newly revealed allotment.

4. Jal Jeevan Mission: 

The Government boosted its financial support for the Jal Jeevan Mission (JJM), also known as the National Rural Drinking Water Mission, by almost 27% to 70,000 crores from the current year's estimated expectations of 50,000. By 2024, the Jal Jeevan Mission hopes to provide clean and enough drinking water to every rural Indian home.

The Jal Shakti Ministry reported on Monday that the government has been able to connect 11 crore rural households to tap water thanks to the JJM plan. Data from the Ministry's dashboard suggests that 56% of the targeted 19.3 crore homes have been contacted.

The overall cost of the programme is around 3.60 lakh crore, with the Center and States and Union Territories each contributing 50% of the expense. However, the Center provides full money for Union Territories without a legislature as well as 90% of the funding for northeastern and Himalayan States and Union Territories with legislatures.

5. Ayushman Bharat-PMJAY:

Ayushman Bharat PM-JAY, an insurance program, was launched in 2018 with the intention of providing a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization. Targets include the bottom 40% of the Indian population, or 50 crore beneficiaries, or around 10.74 crore poor and vulnerable families. Mansukh Mandaviya, the Union Minister for Health, claims that as of December 2022, 4.5 crore individuals had signed up for the program.

6. PM-Kisan:

Launched in 2019, the central program PM-Kisan offers eligible farmer families cash transfers totaling 6,000 in three payments of 2,000 each.

Read This Full ARTICLE, Click Here

[bhaskarlive]

Cabinet to approve proposal on EPFO contribution, advances

Union cabinet may give post facto approval to the proposal of EPF contribution by the government announced under PM Garib Kalyan Yojana by Finance Minister Nirmala Sitharaman on March 26.

Official sources said that the cabinet approval is required to implement the proposal as it is expected to require additional budgetary allocation of around Rs 4,960 crore during the current year.

[getallsarkariyojana]

PM Shram Yogi Mandhan Yojana and PM Garib Kalyan Yojana

PM Shram Yogi Mandhan Yojana and PM Garib Kalyan Yojana are two government schemes that aim to provide financial assistance to the poor. The schemes provide direct assistance, such as interest-free loan and subsidies on food items, for the purchase of essential goods and services. 

Why is this important? 

Well, as the population grows increasingly affluent, it's becoming increasingly difficult for people in lower income brackets to afford basic needs like food and shelter. 

These schemes help bridge the gap by providing financial assistance in these crucial areas. Plus, they also stimulate economic activity - which is always a good thing. 

How do I sign up? 

If you're eligible for either scheme, you can sign up online or through your local district office. Both schemes have specific eligibility criteria, so be sure to check before signing up.

What is the PM Shram Yogi Mandhan Yojana?

The Prime Minister’s Shram Yogi Mandhan Yojana (PM Shram Yogi Mandhan) is a scheme launched by the Narendra Modi-led government in June 2016 to provide financial assistance of Rs.24,000 to farmers for availing advance interest free crop loans. 

The scheme has been extended till 31 December 2020. Under this scheme, a beneficiary farmer can avail an interest free loan of up to Rs 2 lakh from a designated lending institution. The loan can be used for any agricultural purpose, including crop production, fertigation, dairy farming and poultry farming. 

The farmer will also be entitled to receive benefits under other schemes such as Pradhan Mantri Fasal Bima Yojana and Pradhan Mantri Krishi Sinchai Yojana. To date, the PM Shram Yogi Mandhan Yojana has benefitted over 1 crore farmers across the country. The government has plans to augment this scheme with various measures such as increasing the limit of loan amount available under the scheme, extending the benefits of other schemes such as Pradhan Mantri Fasal Bima Yojana and Pradhan Mantri Krishi Sinchai Yojana to farmers who avail loans under PM Shram Yogi Mandhan, and creating an online portal for easy access to information about the scheme and its benefits for beneficiaries.

What is the PM Garib Kalyan Yojana?

The Prime Minister's Mahatma Gandhi National Rural Employment Guarantee (PM Garib Kalyan Yojana) is a government-sponsored scheme to provide jobs to the rural population. The scheme was launched by the Indian Prime Minister Narendra Modi in October 2016. The PM Garib Kalyan Yojana provides employment-oriented support to villages and provides financial assistance of Rs 5,000 per individual per year for a period of three years. The scheme also provides free employment-related training to the beneficiaries. The PM Garib Kalyan Yojana has been designed to target the rural poor and unemployed people living in small and marginalised villages. The scheme will provide jobs to approximately 100 million people over the next three years. Under the PM Garib Kalyan Yojana, companies hiring from among the unemployed residents of these villages will be granted an exemption from paying social security taxes for a period of four years. In addition, companies hiring from among the beneficiaries of the scheme will be exempted from customs duty for a period of six months. The programme is expected to create nearly two crore direct and indirect jobs in rural areas during its three-year implementation period.

How are these schemes different from other financial schemes?

The Prime Minister’s Shram Yogi Mandhan Yojana and the Prime Minister’s Garib Kalyan Yojana are two different financial schemes launched by the Indian government in order to help the citizens of India. The Prime Minister’s Shram Yogi Mandhan Yojana, also referred to as the Jan Dhan Yojana, is an initiative that was started in August 2014 in order to provide banking facilities to the citizens of India.

 The Prime Minister’s Garib Kalyan Yojana, also referred to as the Pradhan Mantri Kaushal Vikas Yojana, was launched in November 2016 in order to provide insurance and other financial services to the citizens of India. The main differences between the Prime Minister’s Shram Yogi Mandhan Yojana and the Prime Minister’s Garib Kalyan Yojana are that the Prime Minister’s Shram Yogi Mandhan Yojana is aimed at providing basic banking services to low-income residents of India, while the Prime Minister’s Garib Kalyan Yojana is aimed at providing insurance and other financial services to all Indian citizens.

Additionally, the Prime Minister’s Shram Yogi Mandhan Yojana has been limited to providing bank accounts only, while the Prime Minister’s Garib Kalyan Yojana has been expanded to provide insurance products such as

Who is eligible for these schemes?

The Prime Minister's Mahatma Gandhi National Rural Employment Guarantee Scheme, popularly known as the Mahatma Gandhi National Rural Employment Guarantee Yojana (MGNREGS), provides employment-oriented guarantee of 100 days' Unemployment benefit to households in rural areas. 

The scheme is implemented by the Ministry of Micro, Small and Medium Enterprises. Eligible categories of persons are all those whose income is below a certain threshold. As per 2016-17, the income limit for an individual under the MGNREGS is Rs 6,000 per month. For a family of five members, the monthly income limit is Rs 12,000. The unemployed have to be verified by the local authorities and must have been continuously residing in the same village/hamlet for at least 30 days before claiming unemployment benefits. 

The family gets 80% of the unemployment allowance granted to an employed person in that area. If there are more than one member unemployed, then each member gets 50% of the allowance as against 60% if it is just one member who is unemployed.

When can I apply for these schemes?

Under the Pradhan Mantri Shram Yogi Mandhan Yojana and the Pradhan Mantri Garib Kalyan Yojana, eligible individuals can avail of benefits starting January 1, 2019. 

Eligibility criteria for both schemes are as follows: 1) Individuals must be citizens of India aged 65 years or older. 2) Individuals must have a minimum bank balance of Rs 2 lakh. 3) Applicants must reside in a district notified as having been affected by poverty or rural poverty as per the National Family Health Survey-4. 4) Applicants must not be already receiving any form of social welfare assistance from the government or any other source.

What are the benefits of these schemes?

Under the PM Shram Yogi Mandhan Yojana, individuals can avail of interest rate subsidy of up to Rs.1.5 lakh per annum on lending to MSMEs. The scheme offers concessional rate of interest ranging from 9% to 12%. The scheme also offers a corpus fund credit guarantee of upto Rs 1 crore for loans made to MSMEs. The scheme is aimed at mobilising finance for small and medium-sized enterprises (MSMEs) which are considered crucial for creating jobs and generating growth in the economy. It provides much-needed relief to these businesses, which are often burdened by high borrowing costs and difficulty finding appropriate sources of long-term funding. The PM Garib Kalyan Yojana offers a similar incentive package for lending to MSMEs. Under this scheme, borrowers can avail of interest rate subsidies ranging from 10% to 12%, and a corpus fund credit guarantee of upto Rs 2 crore. 

Both schemes offer significant benefits over conventional banking products and financing arrangements available to MSMEs. These schemes provide much-needed relief to these businesses, which are often hampered by high borrowing costs and difficulty finding appropriate sources of long-term funding. 

They also promote entrepreneurship and growth in the economy by helping MSMEs expand their operations and create more jobs

Conclusion

As we move into the festive season, many of us are likely to find ourselves spending a lot of time with family and friends. If you're looking for ways to save money while you're here, be sure to check out our post on the PM Shram Yogi Mandhan Yojana and PM Garib Kalyan Yojana. 

These schemes offer concessional rates on railway tickets so that you can travel home at a discounted price. Whether you're planning a trip home or just want to take advantage of some great railway deals this holiday season, make sure to check them out!

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प्रधानमंत्री गरीब कल्याण योजना | PM Garib Kalyan Yojana 2022

प्रधानमंत्री गरीब कल्याण योजना क्या है 

जैसे कि आपने देखा होगा भारत में कुछ ऐसे नागरिक है जो अपनी गरीबी को झेल रहे है यानि गरीबी के कारण अपना जीवन यापन सही से नहीं बिता पा रहे है कही कही पर तो ऐसे नागरिक है जो अपनी आर्थिक स्थिति ठीक ना होने के कारण भोजन नहीं मिलने पर उनकी मृत्यु हो जाती है कोरोना काल के चलते काफी नागरिकों का कारोवार भी ख़त्म हो गया है और नागरिक की आर्थिक स्थिति बहुत ही ख़राब हो रही है इस लिए भारत सरकार ने प्रधानमंत्री गरीब कल्याण योजना चालू की गई है जिसमे गरीब नागरिकों को मुफ्त राशन दिया जायेगा जिससे वो अपना जीवन यापन सही से बिता सके इसमें Read more