Pm yojana adda – Pradhan Mantri Narendra Modi All Yojana

Pm yojana adda:-  In recent years, the government of India has introduced several initiatives under the leadership of Prime Minister Narendra Modi to address various socio-economic challenges. Collectively known as “Pradhan Mantri Yojanas or Prime Minister’s Schemes, these initiatives aim to improve the quality of life for citizens, promote economic growth, and foster social equity. This guide provides an in-depth look at some of the most significant schemes launched by the Modi administration.

Pm yojana adda - Pradhan Mantri Narendra Modi All Yojana


1. Pradhan Mantri Jan Dhan Yojana (PMJDY)

Objective: Financial inclusion

Launch Date: August 28, 2014

Description: PMJDY aims to provide universal access to banking facilities, with at least one basic banking account for every household, financial literacy, access to credit, insurance, and pension. The scheme focuses on those who have been excluded from the formal financial system.

Key Features:

Zero balance accounts
RuPay debit card with accidental insurance cover
Overdraft facility after six months of satisfactory operation
Direct Benefit Transfer (DBT) for subsidies

Impact: As of 2023, over 400 million bank accounts have been opened under PMJDY, significantly increasing the financial inclusion of the unbanked population.
2. Pradhan Mantri Awas Yojana (PMAY)

Objective: Affordable housing for all

Launch Date: June 25, 2015

Description: PMAY aims to provide affordable housing to urban and rural poor by 2022, coinciding with the 75th anniversary of India’s independence. The scheme has two components: PMAY-Urban (PMAY-U) and PMAY-Gramin (PMAY-G).

Key Features:

Subsidized interest rates on home loans under the Credit Linked Subsidy Scheme (CLSS)
Financial assistance for constructing or enhancing housing units
Focus on slum rehabilitation and promoting affordable housing through partnerships

Impact: Millions of homes have been constructed under PMAY, providing secure and stable housing for many economically weaker sections.
3. Pradhan Mantri Ujjwala Yojana (PMUY)

Objective: Provide LPG connections to BPL households

Launch Date: May 1, 2016

Description: PMUY aims to replace traditional cooking fuels like firewood and kerosene with clean and efficient LPG, thereby improving health conditions and reducing environmental degradation.

Key Features:

Free LPG connection to women from Below Poverty Line (BPL) households
Financial support for purchasing the initial LPG cylinder and stove
Extensive awareness campaigns on the benefits of using LPG

Impact: Over 80 million LPG connections have been distributed, significantly reducing indoor air pollution and improving health outcomes for women and children.
4. Pradhan Mantri Fasal Bima Yojana (PMFBY)

Objective: Comprehensive crop insurance

Launch Date: January 13, 2016

Description: PMFBY aims to provide a comprehensive insurance cover against crop failure, thus stabilizing farmers’ income and encouraging them to adopt modern agricultural practices.

Key Features:

Coverage for all food and oilseed crops and annual commercial/horticultural crops
Low premium rates for farmers (2% for Kharif crops, 1.5% for Rabi crops, and 5% for commercial/horticultural crops)
Coverage against various risks including natural calamities, pests, and diseases

Impact: Millions of farmers have benefitted from PMFBY, receiving compensation for crop losses and securing their livelihoods.
5. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

Objective: Skill development

Launch Date: July 15, 2015

Description: PMKVY aims to enable a large number of Indian youth to take up industry-relevant skill training that will help them secure better livelihoods.

Key Features:

Short-term training programs for youth
Recognition of Prior Learning (RPL) to certify existing skills
Focus on soft skills, digital literacy, and entrepreneurship
Monetary rewards upon successful completion of training and assessment

Impact: PMKVY has trained millions of individuals, enhancing their employability and contributing to the country’s economic growth.
6. Pradhan Mantri Mudra Yojana (PMMY)

Objective: Provide financial support to micro-enterprises

Launch Date: April 8, 2015

Description: PMMY aims to provide loans up to ₹10 lakh to non-corporate, non-farm small/micro enterprises. These loans are classified as MUDRA loans under PMMY.

Key Features:

Three categories of loans: Shishu (up to ₹50,000), Kishor (₹50,001 to ₹5 lakh), and Tarun (₹5,01,001 to ₹10 lakh)
Collateral-free loans with simplified documentation
Focus on promoting entrepreneurship among women, SC/ST, and OBC categories

Impact: PMMY has significantly boosted the micro-enterprise sector, leading to increased self-employment and job creation.
7. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Objective: Accidental death and disability insurance

Launch Date: May 9, 2015

Description: PMSBY provides affordable insurance coverage against accidental death and disability for people in the age group of 18 to 70 years.

Key Features:

Annual premium of ₹12
Coverage of ₹2 lakh for accidental death or full disability and ₹1 lakh for partial disability
Auto-debit facility from the subscriber’s bank account

Impact: Millions of people, especially from the economically weaker sections, have gained insurance coverage, providing financial security to their families in case of unforeseen accidents.
8. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Objective: Life insurance

Launch Date: May 9, 2015

Description: PMJJBY offers affordable life insurance coverage to individuals in the age group of 18 to 50 years.

Key Features:

Annual premium of ₹330
Coverage of ₹2 lakh in case of the policyholder’s death
Auto-debit facility from the subscriber’s bank account

Impact: PMJJBY has provided life insurance to millions, ensuring financial support to families in the event of the policyholder’s untimely demise.
9. Pradhan Mantri Garib Kalyan Yojana (PMGKY)

Objective: Poverty alleviation

Launch Date: December 17, 2016

Description: PMGKY is a comprehensive scheme aimed at alleviating poverty through various welfare measures, particularly in response to the COVID-19 pandemic.

Key Features:

Free food grains to BPL families
Direct cash transfers to women Jan Dhan account holders
Financial support to farmers under PM-KISAN
Increased MNREGA wages

Impact: PMGKY has provided critical support to millions of vulnerable families, helping them cope with the economic impact of the pandemic.
10. Atal Pension Yojana (APY)

Objective: Pension for the unorganized sector

Launch Date: May 9, 2015

Description: APY aims to provide a pension scheme for workers in the unorganized sector to ensure old-age income security.

Key Features:

Guaranteed minimum monthly pension ranging from ₹1,000 to ₹5,000
Co-contribution from the government for eligible subscribers
Focus on encouraging long-term savings

Impact: APY has enrolled millions of workers from the unorganized sector, ensuring they have a secure source of income post-retirement.
11. Swachh Bharat Abhiyan (SBA)

Objective: Clean India

Launch Date: October 2, 2014

Description: SBA aims to achieve a clean and open defecation-free India by October 2, 2019, marking the 150th birth anniversary of Mahatma Gandhi.

Key Features:

Construction of household and community toilets
Solid waste management initiatives
Behavioral change campaigns to promote cleanliness and hygiene

Impact: SBA has led to the construction of millions of toilets, significantly reducing open defecation and improving public health and sanitation.
12. Pradhan Mantri Krishi Sinchai Yojana (PMKSY)

Objective: Improve irrigation coverage and efficiency

Launch Date: July 1, 2015

Description: PMKSY aims to enhance agricultural productivity by ensuring more efficient use of water resources.

Key Features:

Expansion of cultivable area under assured irrigation
Improved on-farm water use efficiency
Integration of water source, distribution, and field application activities

Impact: PMKSY has improved irrigation infrastructure and water management practices, boosting agricultural output and farmer income.
13. Pradhan Mantri Matru Vandana Yojana (PMMVY)

Objective: Maternity benefit program

Launch Date: January 1, 2017

Description: PMMVY provides financial assistance to pregnant women and lactating mothers to improve their health and nutrition status.

Key Features:

Cash incentive of ₹5,000 in three installments
Coverage for the first live birth
Focus on promoting institutional deliveries and reducing infant mortality

Impact: PMMVY has benefitted millions of women, ensuring better health and nutrition for mothers and their newborns.
14. Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM)

Objective: Pension scheme for unorganized workers

Launch Date: February 15, 2019

Description: PM-SYM provides a pension scheme for unorganized workers, ensuring financial security during old age.

Key Features:

Monthly pension of ₹3,000 after the age of 60
Contribution-based scheme with government co-contribution
Focus on encouraging enrollment and long-term savings

Impact: PM-SYM has enrolled millions of workers from the unorganized sector, providing them with a secure source of income post-retirement.

The Pradhan Mantri Yojanas, under the leadership of Prime Minister Narendra Modi, have made significant strides in addressing various socio-economic challenges in India. These schemes have not only provided financial and social security to millions but have also fostered inclusive growth and development. By focusing on financial inclusion, affordable housing, skill development, insurance, and welfare measures, these initiatives have contributed to a more equitable and prosperous society. As India continues to grow and evolve, these schemes will play a crucial role in ensuring that the benefits of development reach every citizen.

FAQ

1. What is PM Yojana Adda?

Answer: PM Yojana Adda is a comprehensive platform that provides detailed information about various welfare schemes and initiatives launched by Prime Minister Narendra Modi’s government. It serves as a one-stop destination for understanding and accessing the benefits of these schemes.

2. What types of schemes are covered under PM Yojana Adda?

Answer: PM Yojana Adda covers a wide range of schemes including financial inclusion, housing, skill development, crop insurance, pension, maternity benefits, and more. Some notable schemes are Pradhan Mantri Jan Dhan Yojana, Pradhan Mantri Awas Yojana, Pradhan Mantri Kaushal Vikas Yojana, and Pradhan Mantri Fasal Bima Yojana.

3. How can I apply for the schemes listed on PM Yojana Adda?

Answer: Application processes vary by scheme. Generally, you can apply online through official government portals, visit local government offices, or approach designated banks and institutions. PM Yojana Adda provides guidance and links to official websites for applying to different schemes.

4. Who is eligible for the Pradhan Mantri Jan Dhan Yojana (PMJDY)?

Answer: Any Indian citizen above the age of 10 is eligible to open a bank account under PMJDY. The scheme particularly targets those who do not have access to formal banking facilities, including economically weaker sections and marginalized communities.

5. What are the benefits of the Pradhan Mantri Awas Yojana (PMAY)?

Answer: PMAY aims to provide affordable housing to urban and rural poor. Benefits include subsidized interest rates on home loans, financial assistance for constructing or enhancing housing units, and support for slum rehabilitation.

6. How does the Pradhan Mantri Ujjwala Yojana (PMUY) benefit women?

Answer: PMUY provides free LPG connections to women from Below Poverty Line (BPL) households, replacing traditional cooking fuels with clean and efficient LPG. This reduces health hazards from indoor air pollution and decreases the time and effort spent on gathering firewood.

7. What is the main objective of the Pradhan Mantri Fasal Bima Yojana (PMFBY)?

Answer: The main objective of PMFBY is to provide comprehensive insurance coverage to farmers against crop failure due to natural calamities, pests, and diseases. This stabilizes farmers’ incomes and encourages them to adopt modern agricultural practices.

8. What is the significance of the Pradhan Mantri Kaushal Vikas Yojana (PMKVY)?

Answer: PMKVY aims to enhance the employability of Indian youth by providing industry-relevant skill training. The scheme focuses on short-term training, Recognition of Prior Learning (RPL), and fostering entrepreneurship, thereby helping individuals secure better livelihoods.

9. Can small business owners benefit from Pradhan Mantri Mudra Yojana (PMMY)?

Answer: Yes, small business owners and micro-enterprises can benefit from PMMY, which provides loans up to ₹10 lakh. These loans are categorized into Shishu, Kishor, and Tarun, based on the amount, and are designed to promote entrepreneurship and support the growth of small businesses.

10. How does the Pradhan Mantri Suraksha Bima Yojana (PMSBY) provide financial security?

Answer: PMSBY offers affordable accidental death and disability insurance for people aged 18 to 70. With an annual premium of just ₹12, it provides coverage of ₹2 lakh for accidental death or full disability and ₹1 lakh for partial disability, ensuring financial security for individuals and their families in case of accidents.

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