Various programs benefiting Indian people are launched by the Union Government on a regular basis. The Union Government Initiatives for Individuals in India is a collection of schemes developed by the Union Government that focus on giving benefits to individuals. They were established in order to improve people’s livelihoods and provide security so that they can live better lives by providing some Government scheme.

Each plan is designed to benefit individuals in specific aspects of their lives. Some schemes are designed to give financial security, while others are designed to deliver socio-economic benefits. Rural folks, urban poor, low-income families, economically underdeveloped portions, or weaker elements of society are the beneficiaries of the majority of the specific initiatives. The following is a list of Union Government Schemes for Individuals in India.

Government Scheme Atal Pension Yojana

Mr. Arun Jaitley, the then Honorable Finance Minister, passed the Atal Pension Yojana in the Union Budget of 2015-16. This is a pension program that attempts to provide pensions to members of the unorganized sector of society, such as maids, gardeners, delivery boys, and so on. Employees in the private sector or those who work for a company that does not offer pension benefits can also apply for this Government Scheme.

The Pension Fund Regulatory and Development Authority manages the Atal Pension Yojana (PFRDA). On reaching the age of 60, this scheme offers the option of receiving a set pension ranging from Rs.1000 to Rs.5000. Individuals must be between the ages of 18 and 40 to participate in this program, and they must contribute for a minimum of 20 years.

Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)

In 2015, the Indian government launched the Unnat Jeevan by Affordable LEDs and Appliances for All Scheme. The Energy Efficiency Services Limited, a joint venture of four Public Sector Undertakings under the Ministry of Power, is in charge of implementing this Government Scheme. This program allows clients who are price-sensitive to purchase LEDs at a low cost.

The goal of this program is to encourage every home to have LED-powered appliances. This program is critical in allowing the country’s vast base of price-sensitive customers to obtain LEDs at reasonable prices.

If they have a metered connection with their respective Electricity Distribution Company, every domestic home in the country can benefit from this scheme.

Government Scheme Ayushman Bharat Yojana

The Ayushman Bharat Yojana is a healthcare insurance program for Indian people. It was released on September 23, 2018. It is a program that is part of the existing National Health Protection Scheme, popularly known as Ayushman Bharat – National Health Protection Scheme (AB-NHPS).

Every year, the recipients are given insurance coverage of up to Rs.5 lakh on a family floater basis under this scheme. Primary, secondary, and tertiary healthcare services are all covered under the insurance plan. Beneficiaries of this scheme include poor deprived rural families and selected occupational categories of urban workers’ families based on the Socio-Economic Caste Census (SECC).

Grameen Kaushalya Yojana or DDU-GKY

The Deen Dayal Upadhyaya Grameen Kaushalya Yojana is a component of the National Rural Livelihood Mission. The Ministry of Rural Development introduced this program on September 25, 2014. This program was created to offer underprivileged rural youngsters between the ages of 15 and 35 training, employment, and job placement. Unemployed rural adolescents, as well as anyone who makes a daily salary doing odd tasks and has at least a high school diploma, are eligible for training and employment under this program.

Pradhan Mantri Gramin Awaas Yojana

The Pradhan Mantri Awaas Yojana-Gramin, formerly known as the Indira Awaas Yojana, went into force on April 1, 2016. This plan was put in place to fill in the gaps in the rural housing program and to help the government meet its goal of delivering “Housing for All” by 2022.

The goal of this program is to provide a pucca house with all of the required facilities to the homeless and families living in kutcha and substandard housing. According to SECC (Socio-Economic and Caste Census) data, the beneficiaries of this scheme include all the houseless and households living in zero, one, or two-room dwellings with kutcha hall and kutcha roof.

Pradhan Mantri Matritva Vandana Yojana

This project intends to provide the houseless and households living in kutcha and decaying houses with a pucca house with all of the necessary utilities. According to SECC (Socio-Economic and Caste Census) data, the beneficiaries of this scheme include all homeless people and households living in zero, one, or two-room dwellings with kutcha hall and kutcha roof.

For the time being, the Pradhan Mantri Matritva Vandana Yojana includes all pregnant women and breastfeeding mothers, with the exception of those who are employed by the government or who receive equivalent benefits under another law. However, this programme is exclusively for women who start their pregnancies after January 1, 2017.

Deen Dayal Upadhyaya Antyodaya Yojana

The Deen Dayal Upadhyaya Antyodaya Yojana (DAY) combines two government programmes, the National Urban Livelihoods Mission (NULM) and the National Rural Livelihoods Mission (NRLM) (NRLM). NULM was established by the Ministry of Housing and Urban Poverty Alleviation. In June 2011, the Ministry of Rural Development launched NRLM. The goal of DAY is to improve the lives of the disadvantaged in urban and rural areas by providing them with chances for skill development and sustainable livelihoods.

NULM is being applied to help urban poor households reduce their poverty and vulnerability. NRLM provides the rural poor with effective and efficient institutional frameworks for improving financial services and increasing household income through sustainable livelihood options.

Pradhan Mantri Adarsh Gram Yojana

The Pradhan Mantri Adarsh Gram Yojana is a rural development programme aimed at empowering the poor. This scheme was started by the Indian government in the fiscal year 2009-10. The Ministry of Social Justice and Empowerment is in charge of it. The goal of this project is to turn our country’s villages into model villages with physical and social infrastructure that aids in socioeconomic growth.

It attempts to close the gap between SCs and other communities in terms of literacy rates, infant mortality rates/maternal death rates, elementary school completion rates, and asset ownership. This project aims to establish villages with a large percentage of inhabitants belonging to the scheduled castes (above 50%).

Pradhan Mantri Kaushal Vikas Yojna

The Ministry of Skill Development and Entrepreneurship launched the Pradhan Mantri Kaushal Vikas Yojna in 2015. The goal of this programme is to provide industry-relevant skill training to Indian youngsters in order to assist them to earn a better living. Individuals with existing skill sets can be evaluated and given a certificate through the Recognition of Prior Learning programme. Under this scheme, school or college dropouts or unemployed youth with a valid ID and bank account can receive skill training and employment chances.

Pradhan Mantri Suraksha Bima Yojana

One of the three social security plans proposed by the government in the Union Budget of 2015-16 is the Pradhan Mantri Suraksha Bima Yojana. This plan provides one-year accidental death and disability coverage that is automatically renewed each year. Individual bank account holders between the ages of 18 and 70 are eligible to participate in this scheme. This policy provides Rs.2 lakh in risk coverage for accidental death and total disability. It also includes an Rs.1 lakh partial disability benefit.

Pradhan Mantri Jeevan Jyoti Bima Yojana

One of the three social security plans proposed by the government in the Union Budget of 2015-16 is the Pradhan Mantri Jeevan Jyoti Bima Yojna. It is a type of life insurance that offers coverage in the event of the policyholder’s untimely death. Anyone between the ages of 18 and 50 who has a savings bank account is eligible for this programme. This Government Scheme provides life insurance of Rs.2 lakh to the policyholder’s beneficiary in the event of his death.

Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Pradhan Mantri Pradhan Mantri Prad The Government of India began the Jan Dhan Yojana in August 2014. It is a countrywide scheme. The goal of this programme is to ensure financial inclusion for everyone in India who does not have a bank account. Its goal is to provide everyone with cheap access to financial services, such as banking/savings and deposit accounts, credit, remittance, pensions, and insurance. Individuals can open a zero balance account with any bank branch or Business Correspondent (Bank Mitra) outlet under this scheme.

Pradhan Mantri Awas Yojana

The Pradhan Mantri Awas Yojana is an Indian government social welfare flagship initiative that was established in 2015. The goal of this programme is to provide inexpensive housing to the poorest members of society, including the urban poor, rural poor, and low-income individuals.

By March 31, 2022, this programme seeks to build roughly 20 million inexpensive residences. The economically disadvantaged sections of society, including low-income groups, middle-income groups, and slum residents, are the beneficiaries of this ‘Housing for All Scheme’.

Antyodaya Anna Yojana

In December 2000, the Antyodaya Anna Yojana was launched with the goal of better implementing the TPDS and distributing food grains to the right segment of the population. The Targeted Public Distribution System (TDPS) attempts to help the poor by providing food and grains. This government programme distributes heavily subsidized food to around one crore of India’s poorest of the poorest families living below the poverty line (BPL).

Pradhan Mantri Ujjwala Yojana

On 1 May 2016, the government introduced the Pradhan Mantri Ujjwala Yojana, a social assistance scheme. The Ministry of Petroleum and Natural Gas has launched a scheme to provide LPG connections to women living in households below the poverty line (BPL). Under this scheme, women living in poverty receive LPG hookups at a reduced rate.

This project aspires to create a smoke-free Rural India by connecting the entire country to LPG and benefiting roughly five crore families. This scheme is open to any adult woman who lives in a low-income family and does not have access to LPG.

Swamitva Yojana Government Scheme

The Swamitva Yojana intends to provide rural India with a comprehensive property certification solution. The government creates and issues a property card for each residence in the community under this plan. On October 11, 2020, the Honourable Prime Minister, Shri Narendra Modi, inaugurated the physical distribution of property cards under the SVAMITVA scheme (Survey of Villages and Mapping with Improvised Technology in Village Areas).

The goal of this project is to present the people of the village with a certificate of ownership of the land that has been mapped by the government. The government can also conduct a digital census of the town using drones to issue ownership certificates to those who qualify. People in rural areas can get bank loans on their village land through this programme.

Pradhan Mantri Mudra Yojana

On April 8, 2015, the programme was officially started. Sub-scheme ‘Shishu’ provides loans up to Rs. 50,000; sub-scheme ‘Kishore’ provides loans between Rs. 50,000 and 5.0 lakhs; and sub-scheme ‘Tarun’ provides loans between 5.0 lakhs and 10.0 lakhs. Collateral is not required for loans. These measures aim to boost the confidence of young, educated, or skilled individuals who can now aspire to be first-generation entrepreneurs; existing small firms will also be allowed to extend their operations. As of 31.03.2019, Rs. 3,21,722 crores in 5.99 crores accounts have been sanctioned (Rs. 142,345 crores for Shishu, Rs. 104,386 crores for Kishore, and Rs. 74,991 crores for Tarun).

Stand Up India Scheme

On April 5, 2016, the Indian government announced the Stand Up India initiative. For building up greenfield firms, the Scheme allows 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. This company could be in the manufacturing, service, or trading industries. At least 2.5 lakh borrowers will benefit from the scheme, which is being implemented by all Scheduled Commercial Banks. The scheme is up and running, and loans are being extended by Scheduled Commercial Banks all over the country.

The Stand Up India scheme aims to promote entrepreneurship among women, SC, and ST people, i.e. those who face substantial challenges due to a lack of advice/mentorship as well as insufficient and delayed credit. The initiative aims to use the institutional credit structure to reach out to underrepresented populations in order to help them start greenfield businesses. It serves both experienced and inexperienced borrowers.

The Credit Guarantee Fund for Stand Up India was established by the Government of India to provide collateral-free coverage (CGFSI). Apart from providing financing, the Stand Up India Scheme intends to provide potential borrowers with handholding assistance. Convergence with federal and state government programmes is a feature. On the specific Stand Up India website, applicants can also apply for the initiative online. As of 31.03.2019, a total of Rs. 16,085 crore had been sanctioned in 72,983 accounts (59,429 for women, 3,103 for STs, and 10,451 for SCs).

Pradhan Mantri Vaya Vandana Yojana

The government has introduced the Pradhan Mantri Vaya Vandana Yojana (PMVVY) to safeguard older people aged 60 and up against a prospective drop in interest income due to unpredictable market conditions, as well as to provide social security in the old life. The scheme is run by the Life Insurance Corporation of India (LIC) and is open for enrollment until March 31, 2023.

For the fiscal year 2020-21, PMVVY offers a secured rate of return of 7.40 percent per year for a ten-year policy. In subsequent years, while the scheme is in operation, the assured rate of return will be reset annually on April 1st of each financial year in line with the applicable rate of return of the Senior Citizens Saving Scheme (SCSS) up to a ceiling of 7.75 per cent, with a fresh appraisal of the scheme if this threshold is breached at any time.

Pension payments under the Yojna might be made monthly, quarterly, half-yearly, or annually, depending on the subscriber’s preference. The scheme’s minimum purchase price is Rs. 1,62,162/- for a monthly pension of Rs. 1000/-, and the maximum purchase price is Rs. 15 lakh per senior citizen for a monthly pension of Rs. 9,250/-.

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