Pradhan Mantri Schemes

List of Government Schemes | Pradhan Mantri Schemes

There are many government schemes and initiatives in India that are designed to benefit different sectors of society, such as farmers, women, youth, and small businesses. Here is a list of some of the major government schemes in India:

  1. Pradhan Mantri Jan Dhan Yojana: This scheme provides financial inclusion by providing access to banking facilities and insurance to every household in the country.
  2. Pradhan Mantri Awas Yojana: This scheme aims to provide affordable housing for all by 2022.
  3. Pradhan Mantri Ujjwala Yojana: This scheme aims to provide clean cooking fuel (LPG) to women living below the poverty line.
  4. Pradhan Mantri Gram Sadak Yojana: This scheme aims to provide all-weather road connectivity to unconnected habitations in rural areas.
  5. Swachh Bharat Abhiyan: This scheme aims to clean up the streets, roads, and infrastructure of India’s cities, towns, and rural areas.
  6. Beti Bachao Beti Padhao: This scheme aims to prevent gender-based discrimination and promote the education and welfare of girls in India.
  7. Pradhan Mantri MUDRA Yojana: This scheme provides micro loans to small businesses to help them grow and create employment opportunities.

This is just a small selection of the many government schemes that are available in India. For a complete list, you may wish to visit the website of the Ministry of Finance or the National Portal of India.

1. Pradhan Mantri Jan Dhan Yojana details

Pradhan Mantri Jan Dhan Yojana (PMJDY) is a financial inclusion program launched by the Government of India in 2014 with the goal of providing access to financial services, such as bank accounts, insurance, and credit, to every household in the country. The program aims to provide at least one bank account for every household, with a RuPay debit card and an accidental insurance cover of Rs. 2 lakh.

Eligibility for PMJDY:

  • Any citizen of India who does not have a bank account can open a PMJDY account.
  • There is no minimum balance requirement for PMJDY accounts.

Features of PMJDY accounts:

  • Zero balance accounts: PMJDY accounts do not require a minimum balance, so you can open an account even if you don’t have any money to deposit.
  • Overdraft facility: PMJDY account holders are eligible for an overdraft facility of up to Rs. 10,000 after six months of opening the account, subject to terms and conditions.
  • Direct benefit transfer: PMJDY accounts can be linked to various government schemes and programs, allowing for direct benefit transfer of subsidies and other payments.
  • Accidental insurance: PMJDY account holders are eligible for an accidental insurance cover of Rs. 2 lakh.
  • RuPay debit card: PMJDY account holders are issued a RuPay debit card, which can be used to withdraw cash, make purchases, and pay bills at any bank or merchant that accepts RuPay.

To open a PMJDY account, you will need to visit a bank branch and fill out an application form. You will need to provide proof of identity and proof of address. You may also be required to provide other documents, such as proof of income or occupation.

It is important to note that PMJDY is implemented through banks, and the specific details and requirements for the scheme may vary depending on the bank you choose. It is recommended to contact your local bank for more information and assistance with the account opening process.

How to apply for Pradhan Mantri Jan Dhan Yojana Step by Step Process

To open a Pradhan Mantri Jan Dhan Yojana (PMJDY) account, you will need to visit a bank branch and fill out an application form. Here are the steps to apply for PMJDY:

  1. Find a bank that is offering PMJDY accounts. Most public sector banks, as well as some private sector banks, are participating in the PMJDY program. You can check the list of participating banks on the PMJDY website (https://pmjdy.gov.in/).
  2. Visit the bank branch and ask for a PMJDY account opening form. You can also download the form from the PMJDY website and fill it out in advance.
  3. Fill in the form with the required information, including your personal details, contact information, and income details.
  4. Provide proof of identity and proof of address. Acceptable documents include a PAN card, voter ID card, passport, or driving license.
  5. Provide other required documents, such as proof of income or occupation.
  6. Submit the form and required documents to the bank.
  7. Wait for the bank to process your application and open your account. You will be issued a RuPay debit card and an accidental insurance cover of Rs. 2 lakh once your account is open.

It is important to note that PMJDY is implemented through banks, and the specific details and requirements for the scheme may vary depending on the bank you choose. It is recommended to contact your local bank for more information and assistance with the account opening process.

2. Pradhan Mantri Awas Yojana details:

Pradhan Mantri Awas Yojana (PMAY) is a housing scheme launched by the Government of India in 2015 with the goal of providing affordable housing to all citizens by the year 2022. The scheme aims to provide financial assistance to eligible families for the construction or enhancement of a pucca house (a house with permanent and strong walls and roof).

Eligibility for PMAY:

  • The applicant must be a citizen of India and the owner of the house being constructed or enhanced.
  • The applicant’s family should not own a pucca house in any part of India.
  • The applicant’s family should not have received financial assistance from any other housing scheme.
  • The annual income of the applicant’s family should not exceed the following limits:
  • For the EWS (Economically Weaker Section) and LIG (Low Income Group) categories, the annual income should not exceed Rs. 3 lakh.
  • For the MIG-I (Middle Income Group – I) category, the annual income should not exceed Rs. 6 lakh.
  • For the MIG-II (Middle Income Group – II) category, the annual income should not exceed Rs. 12 lakh.

To apply for PMAY, you will need to visit the official PMAY website (https://pmaymis.gov.in/) and follow the instructions provided. You will need to provide various documents, such as proof of identity, proof of income, and proof of ownership of the house being constructed or enhanced.

It is important to note that PMAY is implemented through state and local governments, and the specific details and requirements for the scheme may vary depending on your location. It is recommended to contact your local government or a PMAY-authorized bank or financial institution for more information and assistance with the application process.

How to apply for Pradhan Mantri Awas Yojana(PMAY)

To apply for Pradhan Mantri Awas Yojana (PMAY), you will need to visit the official PMAY website (https://pmaymis.gov.in/) and follow the instructions provided. You will need to provide various documents, such as proof of identity, proof of income, and proof of ownership of the house being constructed or enhanced.

Here are the steps to apply for PMAY:

  1. Visit the PMAY website and click on the “Citizen Assessment” tab.
  2. Click on the “Apply Online” button.
  3. Fill in the required information, including your personal details, family details, and income details.
  4. Upload the required documents, such as proof of identity, proof of income, and proof of ownership of the house being constructed or enhanced.
  5. Submit the application form and wait for a response from the government.

It is important to note that PMAY is implemented through state and local governments, and the specific details and requirements for the scheme may vary depending on your location. It is recommended to contact your local government or a PMAY-authorized bank or financial institution for more information and assistance with the application process.

3. Pradhan Mantri Ujjwala Yojana With details

Pradhan Mantri Ujjwala Yojana (PMUY) is a government scheme launched in 2016 by the Ministry of Petroleum and Natural Gas in India. The goal of the scheme is to provide clean cooking fuel (liquified petroleum gas, or LPG) to women living below the poverty line in rural areas, with a particular focus on those belonging to Scheduled Castes and Scheduled Tribes. The scheme aims to reduce the health and environmental impacts of indoor air pollution caused by the burning of biomass and other traditional cooking fuels.

Under the PMUY scheme, the government provides a financial assistance of INR 1,600 (approximately $22) to eligible women to cover the cost of purchasing a new LPG connection and installation of a gas cylinder, stove, and regulator. The subsidy is released directly to the oil marketing company, which then provides the LPG connection and equipment to the beneficiary. The scheme also includes provisions for the installation of LPG pumps in rural areas and the creation of awareness campaigns to educate people about the benefits of using LPG for cooking.

To be eligible for the PMUY scheme, a woman must be the head of the household and must not already have an LPG connection in her name. She must also meet the income criteria set by the government, which varies depending on the state in which she lives. The scheme is implemented through a network of LPG distributors and the Ministry of Petroleum and Natural Gas, and applications can be made online or at an LPG distributor’s office.

How to apply Pradhan Mantri Ujjwala Yojana step by step process

To apply for Pradhan Mantri Ujjwala Yojana (PMUY), you will need to follow these steps:

  1. Check your eligibility: Make sure you meet the eligibility criteria for the scheme. To be eligible, you must be a woman living below the poverty line, be the head of the household, and not already have an LPG connection in your name. You must also meet the income criteria set by the government, which varies depending on the state in which you live.
  2. Collect required documents: Gather the following documents to apply for PMUY:
  • Proof of identity (Aadhaar card, voter ID card, ration card, etc.)
  • Proof of residence (Aadhaar card, voter ID card, ration card, etc.)
  • Proof of income (income certificate issued by the government, BPL card, etc.)
  1. Apply online: You can apply for PMUY online through the Ministry of Petroleum and Natural Gas website or through the website of an LPG distributor. To apply online, follow these steps:
  • Visit the Ministry of Petroleum and Natural Gas website or the website of an LPG distributor.
  • Click on the link for PMUY.
  • Fill out the online application form with the required information, including your personal details, contact information, and documents.
  • Submit the form and wait for a response.
  1. Apply in person: Alternatively, you can apply for PMUY in person at an LPG distributor’s office. To do this, follow these steps:
  • Visit the nearest LPG distributor’s office.
  • Ask for a PMUY application form.
  • Fill out the form with the required information, including your personal details, contact information, and documents.
  • Submit the form and wait for a response.

Once your application has been processed, you will receive an LPG connection and equipment, including a gas cylinder, stove, and regulator, at a subsidised cost. The subsidy will be released directly to the oil marketing company, which will provide the LPG connection and equipment to you.

4. Pradhan Mantri Gram Sadak Yojana details

Pradhan Mantri Gram Sadak Yojana (PMGSY) is a rural road construction program launched by the Government of India in 2000. The goal of the program is to provide all-weather road connectivity to unconnected habitations in rural areas with a population of 500 or more in the states and Union Territories of India. The program aims to improve access to education, healthcare, and other essential services in rural areas and to boost economic development.

Under the PMGSY program, the government provides financial assistance to state governments and Union Territories to construct and upgrade rural roads. The program targets the construction of new roads, the upgrading of existing roads, and the maintenance of roads to ensure their long-term viability. The program also includes provisions for the construction of bridges, culverts, and other infrastructure to improve road connectivity in rural areas.

To be eligible for the PMGSY program, a habitation must meet certain criteria, including having a population of 500 or more, being unconnected by an all-weather road, and being located in a rural area. The program is implemented through a network of implementing agencies, including the Ministry of Rural Development, state governments, and district-level authorities. The program is funded by the central government and implemented by the state governments and Union Territories.

how to apply Pradhan Mantri Gram Sadak Yojana step by step process

Pradhan Mantri Gram Sadak Yojana (PMGSY) is a government program implemented by state governments and Union Territories in India. The process for applying for PMGSY may vary depending on the state in which you live. However, the general process is as follows:

  1. Check your eligibility: Make sure that your habitation meets the eligibility criteria for PMGSY. To be eligible, your habitation must have a population of 500 or more, be unconnected by an all-weather road, and be located in a rural area.
  2. Contact the implementing agency: PMGSY is implemented through a network of implementing agencies, including the Ministry of Rural Development, state governments, and district-level authorities. To apply for PMGSY, you will need to contact the implementing agency in your state or Union Territory to find out more about the application process. You can find contact information for the implementing agency on the Ministry of Rural Development website or by contacting your local government office.
  3. Submit an application: Once you have gathered the necessary information from the implementing agency, you will need to submit an application for PMGSY. The application process may vary depending on the state or Union Territory in which you live, but you may be required to submit documents such as a proposal for the construction or upgrading of a rural road, a detailed project report, and estimates of the cost of the project.
  4. Wait for a response: After you have submitted your application, you will need to wait for a response from the implementing agency. The agency will review your application and assess the feasibility of the project. If your application is approved, the agency will provide you with further information about the next steps in the process.

It is important to note that the process for applying for PMGSY may vary depending on the state or Union Territory in which you live. You may need to follow additional steps or provide additional information as part of the application process.

5. Swachh Bharat Abhiyan in details

Swachh Bharat Abhiyan (SBA) is a nationwide cleanliness campaign launched by the Government of India in 2014. The goal of the campaign is to clean up the streets, roads, and infrastructure of India’s cities, towns, and rural areas, and to improve the management of solid and liquid waste. The campaign aims to create a “Clean India” by October 2, 2019, which is the 150th anniversary of the birth of Mahatma Gandhi.

Under the SBA campaign, the government is working to improve waste management infrastructure, promote the use of toilets, and raise awareness about the importance of cleanliness and hygiene. The campaign includes initiatives such as the construction of toilets in schools and public places, the installation of waste segregation and processing facilities, and the launch of awareness campaigns to educate people about the importance of cleanliness.

To participate in the SBA campaign, individuals and organizations can take a number of steps to contribute to the cleanliness of their communities. These may include:

  • Properly disposing of waste, including separating solid and liquid waste for proper treatment and disposal
  • Using and maintaining toilets to reduce the prevalence of open defecation
  • Participating in clean-up campaigns and other community initiatives to improve the cleanliness of local streets, roads, and public spaces
  • Supporting the construction of toilets and waste management infrastructure in their communities
  • Raising awareness about the importance of cleanliness and hygiene through campaigns and other initiatives

The SBA campaign is being implemented by the Ministry of Housing and Urban Affairs, in partnership with state governments, local authorities, and other organizations.

6. Beti Bachao Beti Padhao in details

Beti Bachao Beti Padhao (BBBP) is a government campaign launched in 2015 to address declining child sex ratios in India and to promote the education and empowerment of girls. The campaign is focused on improving the status of girls and women in society through a combination of interventions in health, education, and social awareness.

The BBBP campaign includes a number of initiatives aimed at improving the status of girls and women in India, including:

  • Promoting the education and empowerment of girls through awareness campaigns and initiatives such as the Kishori Shakti Yojana, which provides education, training, and vocational skills to adolescent girls
  • Encouraging the use of pre-conception and pre-natal care services to improve the health of pregnant women and newborns
  • Providing financial incentives for the birth and care of girls through the Sukanya Samriddhi Yojana, a savings scheme for the education and marriage of girls
  • Supporting the implementation of laws and policies aimed at protecting the rights of girls and women, such as the Protection of Children from Sexual Offences Act and the POCSO Rules
  • Raising awareness about the importance of girls’ education and the rights of girls and women through campaigns and other initiatives

The BBBP campaign is being implemented by the Ministry of Women and Child Development, in partnership with state governments, local authorities, and other organizations.

How to apply Beti Bachao Beti Padhao step by step process

To participate in the BBBP campaign and benefit from its initiatives, you can follow these steps:

  1. Check your eligibility: Make sure that you meet the eligibility criteria for the BBBP initiatives you are interested in. For example, the Kishori Shakti Yojana is targeted at adolescent girls, while the Sukanya Samriddhi Yojana is a savings scheme for the education and marriage of girls.
  2. Contact the implementing agency: The BBBP campaign is being implemented by the Ministry of Women and Child Development, in partnership with state governments, local authorities, and other organizations. To find out more about the initiatives and how to apply, you can contact the implementing agency in your state or Union Territory. You can find contact information for the implementing agency on the Ministry of Women and Child Development website or by contacting your local government office.
  3. Submit an application: Depending on the initiative you are interested in, you may need to submit an application to participate. The application process may vary depending on the initiative and the implementing agency, but you may be required to submit documents such as proof of identity, proof of residence, and other relevant information.
  4. Wait for a response: After you have submitted your application, you will need to wait for a response from the implementing agency. The agency will review your application and assess your eligibility for the initiative. If your application is approved, the agency will provide you with further information about the next steps in the process.

It is important to note that the process for participating in the BBBP campaign and its initiatives may vary depending on the state or Union Territory in which you live. You may need to follow additional steps or provide additional information as part of the application process.

7. Pradhan Mantri MUDRA Yojana in details

Pradhan Mantri MUDRA Yojana (PMMY) is a government scheme launched in 2015 to provide microfinance to small businesses in India. The scheme is aimed at providing financial assistance to small businesses that do not have access to traditional sources of credit, such as banks and financial institutions. The goal of the scheme is to boost entrepreneurship and economic development in India by providing access to finance to small businesses.

Under the PMMY scheme, the government provides microfinance to small businesses through a network of banks, non-banking financial institutions, and microfinance institutions. The scheme provides loans of up to INR 10 lakh (approximately $13,500) to small businesses for a variety of purposes, including starting a new business, expanding an existing business, or purchasing equipment or machinery.

To be eligible for the PMMY scheme, a small business must meet certain criteria, including:

  • Being owned and operated by an individual or a group of individuals
  • Having an annual turnover of up to INR 10 lakh (approximately $13,500)
  • Being engaged in a non-agricultural, non-service sector activity
  • Not being a defaulter with any financial institution

To apply for PMMY, small businesses can approach a bank, non-banking financial institution, or microfinance institution that is participating in the scheme. The business will need to provide information such as proof of identity, proof of residence, and business documents as part of the application process. The lender will assess the business’s creditworthiness and provide the loan if the business is eligible. The loan is provided at a subsidised interest rate and is repayable in 5-7 years.

How to apply Pradhan Mantri MUDRA Yojana step by step process

To apply for Pradhan Mantri MUDRA Yojana (PMMY), you will need to follow these steps:

  1. Check your eligibility: Make sure that your small business meets the eligibility criteria for PMMY. To be eligible, your business must be owned and operated by an individual or a group of individuals, have an annual turnover of up to INR 10 lakh (approximately $13,500), be engaged in a non-agricultural, non-service sector activity, and not be a defaulter with any financial institution.
  2. Collect required documents: Gather the following documents to apply for PMMY:
  • Proof of identity (Aadhaar card, voter ID card, ration card, etc.)
  • Proof of residence (Aadhaar card, voter ID card, ration card, etc.)
  • Business documents, such as proof of ownership, business registration certificate, etc.
  1. Approach a lender: PMMY is implemented through a network of banks, non-banking financial institutions, and microfinance institutions. To apply for PMMY, you will need to approach one of these lenders that is participating in the scheme. You can find a list of participating lenders on the Ministry of Finance website or by contacting your local bank or financial institution.
  2. Submit an application: Once you have gathered the necessary documents, you will need to submit an application for PMMY to the lender. The application process may vary depending on the lender, but you will generally need to provide information such as your personal details, contact information, business details, and documents.
  3. Wait for a response: After you have submitted your application, you will need to wait for a response from the lender. The lender will assess your creditworthiness and the feasibility of the loan. If your application is approved, the lender will provide you with further information about the loan, including the loan amount, interest rate, repayment terms, and any collateral or security requirements.

It is important to note that the process for applying for PMMY may vary depending on the lender you approach. You may need to follow additional steps or provide additional information as part of the application process.

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