WELFARE SCHEMES

Aam Admi Bima Yojana (AABY)

A Social security plan AAM ADMI BIMA YOJANA, for people in rural without land
was started 2007
The top of the family or 1 earning person of the family is covered in this plan.
A 200Rs premium annually is shared evenly by the Central & the State Government.
The family member under bima must of the age group of 18 to 59 years.
Benefits
A different finance named "Aam Admi Bima Yojana Premium Fund" is made by
Central Government to disburse the Government payment.
Finance is preserved by LIC.
A free join profit in scholarship form to kids is as well obtainable in this Scheme.

o Rs.
o On natural death
30000/-

o On Death due to
accident/on permanent
o Rs.
total disability
75000/-
due to accident (loss
of 2 eyes or 2 limbs)

o On partial permanent
disability due to o Rs.
accident (loss of one 37500/-
eye or one limb)

DEENDAYAL DISABILITY REHABILITATION SCHEME

Feature

Government has renamed the "Scheme to promote Voluntary Action For Persons With
Disabilities " after Pandit Deendayal Upadhyaya

The Scheme run by the Ministry of Social Justice and Empowerment

Parents/guardians and voluntary organisations are encouraged to provide

rehabilitation services.
 This has resulted in coming up of a large number of Non-Governmental
Organisations in the disability sector in recent years.

The Ministry provides them financial assistance and technical and

administrative support under the Scheme to Promote Voluntary Action For
persons with Disabilities.

the aim is to enlarge the scope of vocational and professional opportunities for them
for gainful and income generating occupations.

Gramin Bhandaran Yojna

A network of rural godowns will enable small farmers to enhance their holding
capacity in order to sell their produce at remunerative prices and avoid distress
sales.
Gramin Bhandaran Yojana, a capital investment subsidy scheme for construction /
renovation of rural godownswas introduced in 2001-2002.

The main objectives of the scheme include creation of scientific storage capacity
with allied facilities in rural areas to meet the requirements of farmers

o for storing farm produce,

o processed farm produce and agricultural inputs;
o promotion of grading, standardization and quality control of agricultural
produce to improve their marketability;
o prevention of distress sale immediately after harvest by providing the
facility of pledge financing and marketing credit;
o strengthen agricultural marketing infrastructure in the country by paving
the way for the introduction of a national system of warehouse receipts in
respect of agricultural commodities stored in such godowns and
o to reverse the declining trend of investment in agriculture sector by
encouraging private and cooperative sectors to invest in the creation of
storage infrastructure in the country.

The project for construction of rural godowns can be taken up by individuals, farmers,
groups of farmers/growers, firms, non-Government organizations (NGOs), Self
Help Groups(SHGs), companies, corporations, co-operatives, federations and
agricultural produce marketing committees in the country.

Location

Under the scheme, the entrepreneur will be free to constructgodown at any place, as
per his/her commercial judgment except that it should be outside the limits of
Municipal Corporation area.

Assistance under the scheme shall be available on capital cost of construction

of godown
 The farmers keeping their produce in the godown shall be eligible to avail pledge loan
on hypothecation of their produce.

Subsidy shall be released through NABARD for projects financed by commercial,

cooperative banks and RRBs.

Indira Awaas Yojana

Indira Awaas Yojana (Hindi: ) is a Government of India social

welfare programme to provide housing for the rural poor in India.

It is one of the major flagship programs of the Rural Development Ministry to

construct houses for BPL population in the villages.

Under the scheme, financial assistance worth Rs.70000/- in plain areas and
Rs.75000/- in difficult areas (high land area) is provided for construction of houses.

The houses are allotted in the name of the woman or jointly between husband and
wife.

The construction of the houses is the sole responsibility of the beneficiary and
engagement of contractors is strictly prohibited.

Sanitary latrine and smokeless chullah are required to be constructed along with each
IAY house for which additional financial assistance is provided from Total Sanitation
Campaign and Rajiv Gandhi Grameen Vidyutikaran Yojana respectively.[1]

This scheme, operating since 1985.

Scheduled Castes/Scheduled Tribes, freed bonded labourers, minorities and non-

SC/ST rural households in the BPL category, widows and next-of-kin to defence
personnel/paramilitary forces killed in action (irrespective of their income criteria),
ex-servicemen and retired members of paramilitary forces residing in rural
areas[2] form the primary target group of eligible candidates for the IAY Scheme.

cost sharing basis between the Central Government and the State Government in the
75%:25% ratio, except in case of North-eastern states and Union Territories (UTs).
For NE states the central government funds 90% and 100% for the UTs

The Indira Gandhi Matritva Sahyog Yojana (IGMSY)

is a flagship program of the government of India introduced in 2010 under the

Ministry of Women and Child Development.
 It is a conditional cash transfer scheme that targets pregnant and lactating women 19
years of age and older who have had two children.

Its goal is to partly compensate them for wage-loss during childbirth and childcare
and to provide conditions for safe delivery and good nutrition and feeding practices.

Integrated Child Development Services (India)

Integrated Child Development Services (ICDS) is India's primary social welfare
scheme to tackle malnutrition and health problems in children below 6 years of age
and their mothers.

The main beneficiaries of the programme were aimed to be the girl child up to her
adolescence, all children below 6 years of age, pregnant and lactating mothers.

The gender promotion of the girl child by trying to bring her at par with the male
child is a key component of the scheme.

ICDS was first launched in 1975

The following services are sponsored under ICDS to help achieve its objectives:[6]
o Immunization

o Supplementary nutrition

o Health checkup

o Referral services

o Pre-school non formal education

o Nutrition and Health information

Delivery of services under ICDS scheme is managed in an integrated manner
through Anganwadi centres,[Note 1]its workers and helpers.

The services of Immunisation, Health Check-up and Referral Services delivered
through Public Health Infrastructure under the Ministry of Health and Family Welfare

. Integrated Rural Development Program

The Integrated Rural Development Programme (IRDP) is a rural development
program of the Government of India launched in financial year 1978 and extended
throughout India by 1980.
 It is a self-employment program intended to raise the income-generation capacity of
target groups among the poor.

The target group consists largely of small and marginal farmers, agricultural
labourers and rural artisans living below the poverty line.

Within the target group, there is an assured coverage of 50 per cent for Scheduled
Castes and Scheduled Tribes, 40 per cent for women and 3 per cent for the physically
handicapped.

The objective of IRDP is to provide suitable income-generating assets through a mix

of subsidy and credit to below-poverty-line families with a view to bring them above
the poverty line.

The assets, which could be in primary, secondary or tertiary sectors, are provided
through financial assistance in the form of subsidy by the government and term credit
advanced by financial institutions.

The program is implemented in all the blocks in the country as a centrally sponsored
scheme funded on 50:50 basis by the centre and the state.

The scheme has been merged with another scheme named Swarnajayanti Gram
Swarozgar Yojana (SGSY) since 01.04 1999.

Janani Suraksha Yojana (India)

Janani Suraksha Yojana (Hindi: ) launched on 12 April

It aim to decrease the neo-natal and maternal deaths happening in the country by
promoting institutional delivery of babies.
It is a 100% centrally sponsored scheme it integrates cash assistance with delivery and
post-delivery care.
The success of the scheme would be determined by the increase in institutional
delivery among the poor families.[2]
In this scheme, one important role is of the ASHA activist whose role can be of an
encouraging person in the field to encourage institutional deliveries among the poor
women.
In this scheme, the states where there is a low rate of Institutional deliveries is
classified as 'Low Performing States(LPS)' (the states of Uttar
Pradesh,Uttaranchal, Bihar, Jharkhand, Madhya
Pradesh, Chhattisgarh, Assam, Rajasthan, Orissa and Jammu and Kashmir), whereas
 the remaining states are termed as High Performing States(HPS). Cash benefits to
them are as under:
Rural Areas:[3] -

Category Mother's package ASHA's package Total Package(in Rs.)

LPS 1400 600 2000

HPS 700 - 700

Urban Areas: -

Category Mother's package ASHA's package Total Package(in Rs.)

LPS 1000 200 1200

HPS 600 - 600

Kasturba Gandhi Balika Vidyalaya

The Kasturba Gandhi Balika Vidyalaya scheme was introduced by the Government
of India in August 2004, then integrated in the Sarva Shiksha Abhiyan program, to
provide educational facilities for girls belonging to Scheduled Castes, Scheduled
Tribes, Other Backward Classes, minority communities and families below
the poverty line in Educationally Backward

The objective of KGBV is to ensure access and quality education to the girls of
disadvantaged groups of society by setting up residential schools with boarding
facilities at elementary level.[1

Kishore Vaigyanik Protsahan Yojana (KVPY)

is a scholarship program funded by the Department of Science and Technology of

the Government of India

aimed at encouraging students to take up research careers in the areas of basic

sciences, engineering and medicine.

It offers scholarship and contingency grants up to the pre-Ph.D. level to selected

students.
 Started in 1999, it is administered by the Indian Institute of Science.[1]

The National Literacy Mission (NLM)

was a nation wide programme started by Government of India in 1988.[1]

It aims to make 80 million adults in the age group of 15 - 35 literate over an eighty
year period.

By "Literacy", the NLM means not only learning how to read, write and count but
also helping people become aware of why they are deprived and helping them move
towards change.

National Pension Scheme

The National Pension System (NPS) is an Indian Government defined contribution
based pension system that was launched as on 01.01.2004

Apart from offering wide gamut of investment options to employees, this scheme also
helps government of India to reduce its pension liabilities

Since 1 April 2008, the pension contributions of Central Government employees

covered by the National Pension System (NPS) are being invested by
professional Pension Fund Managers in line with investment guidelines of
Government applicable to non-Government Provident Funds.

A majority of State Governments have also shifted to the defined contribution based
National Pension System from varying dates.

28 State/UT Governments have notified the NPS for their new employees.

The Pension Fund Regulatory and Development Authority (PFRDA) is the prudential
regulator for the NPS

NPS was made available to all citizens of India on voluntary basis and is mandatory
for employees of central government (except armed forces) appointed on or after 1
January 2004.

All Tier-I is mandatory for all Govt. servants joining Govt. service on or after
01.01.2004. In Tier I, Govt. servants will have to make a contribution of 10% of his
Basic Pay, DP and DA which will be deducted from his salary bill every month. The
Govt. will

In addition to the above pension account, each individual can have a voluntary tier-II
withdrawable account at his option. Government will make no contribution into this
account.make an equal matching contribution
 NPS is designed to leverage network of bank branches and post offices to collect
contributions and ensure that there is seamless transfer of accumulations in case of
change of employment and/or location of the subscriber.
It offers a basket of investment choices and Fund managers
There will be one or more Central Recordkeeping Agency (CRA), several Pension
Fund Managers (PFMs) to choose from which will offer different categories of
schemes.
As per current provisions, withdrawals under the NPS attract tax under the EET
(exempt-exempt-taxable) system, which means that while contributions and returns to
the NPS are exempt up to a limit, withdrawals would be taxed as normal income
(EET).

National Social Assistance Scheme

The National Social Assistance Scheme (NSAS) or National Social Assistance
Programme (NSAP) is a flagship welfare program of the Government of
India initiated in 1995.

Article 41 of the Indian Constitution directs the State to provide public assistance to
its citizens in case of unemployment, old age, sickness and disablement and in other
cases of undeserved want within the limit of its economic capacity and development

The scheme is administered by the Ministry of Rural Development

the beneficiaries could hail from either urban or rural areas.

The scheme is completely sponsored by the Central Government

There are five major components under this scheme.

o National Old Age Pension Scheme (NOAPS)[edit]
The National Old Age Pension Scheme provides a pension for the
elderly who live below the poverty line.
The age of the applicant (male/female) should be 60 or above

The applicant may reside in either rural or urban areas,

The amount of old age pension is Rs. 300 per month for applicants
aged 6079. For applicants aged above 80 years, the amount has been
revised in Rs. 500 a month according to the 2012 Budget.

The ceiling on the total number of old-age pensions for purposes of

claiming central assistance will be specified for the states and Union
Territories from time to time.
 o National Family Benefit Scheme (NFBS)
In case of the death of the "primary breadwinner" of a household living
below poverty line conditions, a lump sum grant of Rs. 20,000 (from
fiscal 2012-13) is provided to the household.
o Indira Gandhi National Widow Pension Scheme[edit]
A pension of Rs. 300 per month ( From fiscal 2012-13) to be granted to
widows aged 4059 living below poverty-line conditions

Indira Gandhi National Disability Pension Scheme[edit]

A pension of Rs. 300 per month (From fiscal 2012-13)to be granted to
physically/mentally handicapped individuals aged 1859, living below poverty-
line conditions.
o Annapurna Scheme[edit]
Launched in 2000
a new Scheme known as Annapurna Scheme was launched. This Scheme
aimed at providing food security to meet the requirement of those senior
citizens who, though eligible, have remained uncovered under the NOAPS.
o Under the Annapurna Scheme 10 kgs of food grains per month are provided
free of cost to the beneficiary.
The Pooled Finance Development Fund Scheme (PFDF)
. The main aim of the Government authorities is to provide credit
enhancement facilities to Urban Local Bodies (ULBs) based on their credit
worthiness.
This will enable them to access market borrowings through state- level
pooled mechanism.
PFDF is to ensure availability of resources to Urban Local Bodies in order
to improve urban infrastructure and ultimately attain the goal of self -
sustainability.

Pradhan Mantri Adarsh Gram Yojana (PMAGY)

is a rural development programme launched by the Central government in India in

the financial year 200910 for the development of villages having a higher ratio
(over 50%) of people belonging to the scheduled castes
through convergence of central and state schemes and allocating financial funding
on a per village basis.

The plan is considered ambitious as it aimed to bring a number of development

programs to the villages. Some of these programs are Bharat Nirman, Pradhan Mantri
Gram Sadak Yojana (PMGSY) for rural roads, water supply, housing, electrification
 The Plan aims to build an "Adarsh Gram" (Model village} which has adequate
physical and institutional infrastructure, in which minimum needs of all sections of
the society are fully met.

The village which is progressive and dynamic and its residents live in harmony.

Another objectives of the plan is elimination of disparity between SCs and other
communities in terms of common socio-economic indicators such as literacy rate,
completion rate of elementary education, infant mortality rate/maternal mortality rate
and ownership of productive assets

The Pradhan Mantri Gram Sadak Yojanaor PMGSY

is a nationwide plan inIndia to provide good all-weather road connectivity to
unconnected villages.

This important scheme was the brainchild of the then Prime Minister Of India
Shri Atal Bihari Vajpayee.

It is under the authority of the Ministry of Rural Development and was begun on 25
December 2000.[1]

It is fully funded by the central government.

The goal was to provide roads to all villages (1) with a population of 1000 persons
and above by 2003, (2) with a population of 500 persons and above by 2007, (3) in
hill states, tribal and desert area villages with a population of 500 persons and above
by 2003, and (4) in hill states, tribal and desert area villages with a population of 250
persons and above by 2007.[2]

In order to implement this, an Online Management & Monitoring System or
OMMS GIS developed by C-DAC system was developed to identify targets and
monitor progress.

Rashtriya Krishi Vikas Yojana (English:National Agriculture Development Scheme)

is a State Plan Scheme of Additional Central Assistance [1] launched in August 2007 as
a part of the 11th Five Year Plan by theGovernment of India.
it seeks to achieve 4% annual growth in agriculture through development of
Agriculture and its allied sectors during the period under the 11th Five Year Plan
A State is eligible for funding under the RKVY if it maintains or increases the
percentage of its expenditure on Agriculture and its Allied Sectors with respect to the
total State Plan Expenditure, where the Base Line (which will move every year) for
this expenditure is the average of the percentage of expenditure incurred by a State
Government for the previous three years on Agriculture and its Allied Sectors minus
any funds related to Agriculture and its allied sectors that it may already have received
in that time under its State Plan.
Rashtriya Swasthya Bima Yojana (RSBY "National Health Insurance Programme
 is a government-run health insurance scheme for the Indian poor.
It provides for cashless insurance for hospitalisation in public as well private
hospitals.

The scheme started enrolling on April 1, 2008 and has been implemented in 25 states
of India

The RSBY is a project under the Ministry of Labour and Employment.[3]

Every "below poverty line" (BPL) family holding a yellow ration card pays INR 30
registration fee to get a biometric-enabled smart card containing their fingerprints and
photographs.[1]
This enables them to receive inpatient medical care of up to INR 30,000 per family
per year in any of the empanelled hospitals.
Pre-existing illnesses are covered from day one, for head of household, spouse and up
to three dependent children or parents.[
The scheme has won plaudits from the World Bank, the UN and the ILO as one of the
world's best health insurance schemes.

RNTCP or the Revised National Tuberculosis Control Program

is the state-run tuberculosis control initiative of theGovernment of India.
It incorporates the principles of directly observed treatment-shortcourse (DOTS), the
global TB control strategy of the World Health Organization.
The program provides, free of cost, quality anti-tubercular drugs across the country
through the numerous Primary Health Centres and the growing number of private-
sector DOTS-providers
India has had an on-going National TB Program, NTP since 1962.
RNTCP pays more attention to the sputum-positive pulmonary tuberculosis patients
(who are likely to spread the disease in the community) than people with other, non-
pulmonary forms of the disease.

The Rajiv Gandhi Scheme for Empowerment of Adolescent Girls (RGSEAG) Sabla
is a centrally sponsored program of Government of India initiated on April 1, 2011
under Ministry of Women and Child Development.[1]
The objectives of the program are:
o Enable the Adolescent girls for self-development and empowerment

o Improve their nutrition and health status.

o Promote awareness about health, hygiene, nutrition, adolescent reproductive

and sexual health (ARSH) and family and child care.
 o Upgrade home-based skills, life skills and integrate with the National Skill
Development Program (NSDP) for vocational skills.
o Mainstream out of school adolescent girls into formal/non formal education.

o Provide information/guidance about existing public services such as PHC,

CHC, Post Office, Bank, Police Station, etc.

The program would cover adolescent girls 1118 years old under all ICDS projects in
selected 200 districts in all states/UTs in the country.
Swabhimaan

is a campaign of the Government of India which aims to bring banking services to

large rural areas without banking services in the country
This campaign is to be operated by the Ministry of Finance, Government of India and
the Indian Banks' Association (IBA) to bring banking within the reach of the masses
of the Indian population.

An initiative which seeks better financial inclusion within India will strive for rolling
out banking services in 20,000 villages without banking services with a population of
2000 by March

Under this plan, Banks will select business correspondents (bank saathi). They will
act as intermediaries between the rural people and the banks.

Swavalamban Yojana

seeks to provide pension scheme to the unorganised sector in India.

It will be applicable to all citizens in the unorganised sector who join the New
Pension System (NPS)

Under the scheme, Government will contribute Rs. 1000 per year to each NPS
account opened in the year 2010-11 and for the next three years, that is, 2011-12,
2012-13 and 2013-14.

The benefit will be available only to persons who join the NPS with a minimum
contribution of Rs. 1,000 and maximum contribution of Rs. 12,000 per annum.

Udisha

an initiative aimed at quality improvement in child training.

It is intended to specify the criteria to establish the necessary outline for all child-care
functionaries and caregivers and to develop methods to be used to ensure
improvement in the quality of early childhood care for survival, growth, and
development.

The name udisha means "a new dawn" and comes from Sanskrit.

The initiative is being supported by Unicef finance for five years.