Complete List of Yojanas/Schemes Launched by Indian Government (2014 – 2015)

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In competitive exams we often face questions regarding Government Schemes or Yojanas which can be very easy to answer if we have proper knowledge of those schemes, so we have framed an article on Important Yojanas or Government Schemes announced by Indian Government during 2014 – 2015.

Complete List of Yojanas/Schemes Launched by Indian Government 2014 – 2015

S.No Yojna
1. Pradhan Mantri Jan-Dhan Yojana (PMJDY)
2. Pandit Deen Dayal Upadhyaya Shramev Jayate Karyakram
3. Deen Dayal Upadhyaya Antyodaya Yojana
4. Mission Housing for all aka Pradhan Mantri Awas Yojana
5. Micro Units Development and Refinance Agency Bank (MUDRA Bank)
6. Saansad Adarsh Gram Yojana
7. Pradhan Mantri Garib Kalyan Yojana
8. My Gov Online Platform
9. Multi skill programme – Skill India
10. Digital India
11. Digilocker
12. e-Basta
13. Make In India
14. Deen Dayal Upadhyaya Grameen Kaushalya Yojana
15. National Policy for Skill Development and Entrepreneurship
16. National Sports Talent Search Scheme
17. Deen Dayal Upadhyaya Gram Jyoti Yojana
18. Kisan Vikas Patra
19. Soil Health Card Scheme
20 Pradhan Mantri Krishi Sinchai Yojana
21.

Jan Suraksha Schemes (PMJJBY, PMBSY, APY)

–a) Pradhan Mantri Suraksha Bima Yojana

–b) Pradhan Mantri Jeevan Jyoti BimaYojana

–c) Atal Pension Scheme

22. One Rank One Pension Scheme
23. Rashtriya Gokul Mission
24. DD Kisan Channel
25. Beti Bachao, Beti Padhao
26. Sukanya Samriddhi Account
27. Himmat App
28. PAHAL-Direct Benefits Transfer for LPG (DBTL) Consumers Scheme
29. Swachh Bharat Mission
30. Gold Monetisation Scheme
31. The National Institution for Transforming India (NITI AAYOG)
32. The National Urban Development Mission
33. Pradhan Mantri Khanij Kshetra Kalyan Yojana
34. Sagar Mala Project
35. Heritage City Development and Augmentation Yojana
36. Smart Cities Mission
37. Shyama Prasad Mukherjee RURBAN Mission
38 Atal mission for Rejuvenation and Urban Transformation
39 Namame Gange

Pradhan Mantri Jan-Dhan Yojana

Pradhan Mantri Jan-Dhan Yojana  is National Mission for Financial Inclusion to ensure access to financial services, namely Banking Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

Objective of the Yojana :- The scheme has been started with a target to provide 'universal and clear access to banking facilities' starting with "Basic Banking Accounts" with overdraft facility of Rs.5000 after six months and RuPay Debit card with inbuilt accident insurance cover of Rs. 1 lakh and RuPay Kisan Card. In next phase, micro insurance & pension etc. will also be added.

Announced on :- This financial inclusion campaign was launched by the Prime Minister of India Mr. Narendra Modi, on 28 August 2014. He had announced this scheme on his first Independence Day speech on 15 August 2014

Run by :- Department of Financial Services, Ministry of Finance

Achievements:-

  • On the inauguration day, 1.5 Crore (15 million) bank accounts were opened under this scheme. 
  • Guinness World Records Recognises Pradhan Mantri Jan-Dhan Yojana as the scheme to open maximum number of bank accounts in one week 
  • By 05 August 2015, 17.45 crore accounts were opened, with around Rs. 22032.68 crore were deposited under the scheme.

Under the scheme:-

  1.  Account holders will be provided zero-balance bank account with RuPay debit card, in addition to accidental insurance cover of Rs 1 lakh(to be given by 'HDFC Ergo').
  2. Those who open accounts by January 26, 2015 over and above the 1 lakh Rupees  accident, they will be given life insurance cover of Rs. 30,000(to be given by LIC).
  3. After Six months of opening of the bank account, holders can avail 5,000 Rupees overdraft from the bank.
  4. With the introduction of new technology introduced by National Payments Corporation of India (NPCI), a person can transfer funds, check balance through a normal phone which was earlier limited only to smart phones so far.
  5. Mobile banking for the poor would be available through National Unified USSD Platform (NUUP) for which all banks and mobile companies have come together.

Pandit Deen Dayal Upadhyaya Shramev Jayate Karyakram Yojna

It is a National Mission to ensure access to financial services, namely, Banking/Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. 

Objective of the Yojana :-  The scheme is aimed at creating conducive environment for industrial development and doing business with ease. It is also aimed at complementig 'Make in India' Campaign.

Announced on :- It was announced on 15 August 2014.

Run by :- Ministry of Labour& Employment

Key features :- 

  • A dedicated Shram Suvidha Portal: That would allot Labour Identification Number (LIN) to nearly 6 lakhs units and allow them to file online compliance for 16 out of 44 labour laws
  • An all-new Random Inspection Scheme: Utilizing technology to eliminate human discretion in selection of units for Inspection, and uploading of Inspection Reports within 72 hours of inspection mandatory
  • Universal Account Number: Enables 4.17 crore employees to have their Provident Fund account portable, hassle-free and universally accessible
  • Apprentice Protsahan Yojana: Will support manufacturing units mainly and other establishments by reimbursing 50% of the stipend paid to apprentices during first two years of their training
  • Revamped Rashtriya Swasthya Bima Yojana: Introducing a Smart Card for the workers in the unorganized sector seeded with details of two more social security schemes

Achievements :-

  • The minimum pension for employees has been introduced first time so that employees’ pension is not less than Rs. 1000 per month.
  • The wage ceiling has been raised from Rs. 6500 to Rs. 15000 per month to ensure that vulnerable groups are covered under EPF Scheme.

Deen Dayal Upadhyaya Antyodaya Yojana

About the Yojna :-

  • Deen Dayal Upadhyaya Antyodaya Yojana or DAY is a Government of India scheme for the helping the poor by providing skill training. The Yojana aims at alleviating urban and rural poverty through enhancement of livelihood opportunities through skill development and other means. It replace Aajevika

Announced on :- 25-September-2014

Run by :- Ministry of Housing & Urban Poverty Alleviation and  Ministry of Rural Development at a National Convention on Skills for Rural and Urban Poor

Objective of the Yojana :- The targets is training 0.5 million people in urban area per annum from 2016 and in rural area it is training 1 million people by 2017. Further, in urban areas services like SHG promotion, training centres, vendors markets, permanent shelters for homeless will be provided.  NSDC is the nodal training centre. The aim of scheme is skill development of both rural and urban India as per requisite international standards.

 

Other Important Objectives of  " Deen Dayal Upadhyaya Antyodaya Yojana" :-

  • Imparting skills with an expenditure of Rs.15,000 – Rs.18,000 on each urban poor;
  • Promotion of self-employment through setting up individual micro-enterprises and group enterprises with interest subsidy for individual projects costing Rs.2.00 lakhs and Rs.10.00 lakhs for group enterprises. Subsidized interest rate will be 7%;
  • Training urban poor to meet the huge demand from urban citizens by imparting market oriented skills through City Livelihood Centres. Each Centre would be given a capital grant of Rs.10.00 lakhs.
  • Enabling urban poor form Self-Help Groups for meeting financial and social needs with a support of Rs.10,000/- per each group who would in turn would be helped with bank linkages;
  • Development of vendor markets besides promotion of skills of vendors; and
  • Construction of permanent shelters for urban homeless and provision of other essential services.

Mission Housing for all aka Pradhan Mantri Awas Yojana

 

About the Yojna :- 

  • At the slum decadal growth rate of 34 Per cent, the slum households are projected to go upto 18 million in coming years so one of the biggest challenges faced by the country will be providing affordable housing, sanitation and development, and a safe environment to the city dwellers. It is to address these issues that Prime Minister Narendra Modi launched the Housing for All by 2022 scheme, also known as the Pradhan Mantri Awas Yojana (PMAY) on 25 June 2015 at a launch ceremony in Vigyan Bhawan, New Delhi. Two other schemes were also launched as complementary to the affordable housing scheme, a scheme for development of Smart Cities across the country and the Atal Mission for Rejuvenation and Urban Transformation (AMRUT) that allows for urban renewal and upgradation of infrastructure in the major urban tracts of the country.

Objective of the Yojana :-  The program proposes to build more than 2 crore houses across the Nation by 2022.

Announced on :-  June 25, 2015

Under the scheme :-

  • The government would provide an interest subsidy of 6.5% on housing loans availed by the beneficiaries for a period of 15 years from the start of loan.
  • The houses under Pradhan Mantri Awas Yojana would be allotted to preferably the female member of the family. Along with this, preference would be given to the female applicants, in general. This scheme could well be termed as a pro-women scheme.
  • While allotting ground floors in any housing scheme under the PMAY, preference would be given to differently-abled and older people.
  • The construction of houses under PMAY would be carried out through technology that is eco-friendly.
  • The scheme will cover entire urban area consisting of 4041 statutory towns with initial focus on 500 Class I cities in three phases.

The three Phases are :-

  1. Phase 1 :- The Phase 2 of  PMAY will continue from April 2015 to March 2017. In this phase 100 cities will be selected
  2. Phase 2 :- The Phase 2 of PMAY will continue from April 2017 to  March 2019. In this pahse it will cover 200 more cities
  3. Phase 3 :- The Phase 3 of PMAY will continue from April 2019 to March 2022. This final phase will cover all remaining cities.

 

Micro Units Development and Refinance Agency Bank (MUDRA Bank) 

Micro Units Development and Refinance Agency Bank (or MUDRA Bank) is a public sector financial institution in India. It provides loans at low rates to microfinance institutions and non-banking financial institutions which then provide credit to MSME's.

Announced on :- It was launched by Prime Minister Narendra Modi on 8 April 2015

Objective of the Yojana :- 

The Prime Minister said that MUDRA scheme is aimed at “funding the unfunded”. The MUDRA banks will be set up under the Pradhan Mantri MUDRA Yojana scheme. It will provide its services to small entrepreneurs who lie outside the service area of regular banks. About 5.77 crore (57.7 million) small business have been identified as target clients using the NSSO survey of 2013. Only 4% of these businesses get finance from regular banks. The bank will also ensure that its clients do not fall into indebtness and will lend responsibly.

Key Features:-

  • The bank will have a initial corpus of Rs. 20000 crore and a credit guarantee fund of Rs. 3000 crore. The bank will initially function as a non-banking financial company and a subsidiary of the Small Industries Development Bank of India (SIDBI). Later, it will be made into a separate company.
  • It will also serve as a regulator for other micro-finance institutions (MFIs) and provide them refinancing services. It will provide guidelines for MFIs and give them ratings.

The bank will classify its clients into three categories and the maximum allowed loan sums will be based on the category

  1. Shishu (शिशु): Allowed loans up to Rs. 50000 (USD 750)
  2. Kishore (किशोर): Allowed loans up to Rs. 500000 (USD 7,500)
  3. Tarun (तरुण): Allowed loans up to Rs. 1000000 (USD 15,000)

Recently Govt. has decided to provide an additional fund of Rs. 100000 crore (US$15 billion) to the market and will be allocated as

  1. 40 per cent to shishu
  2. 35 per cent to kishor
  3. 25 per cent to tarun

Eligible to borrow from MUDRA bank

  1. Small manufacturing unit
  2. Shopkeepers
  3. Fruits / Vegetable vendors
  4. Artisans

CEO of  MUDRA Bank is Mr. Jiji Mammen

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