Government Schemes for UPSC Civil Services Exam – Detailed Notes (50 Schemes)

50 high-yield Government Schemes for UPSC. Each entry includes launch year, implementing ministry, objective, key features, target beneficiaries, and recent updates/notes. Dates and details are provided for exam-oriented revision.

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1. Pradhan Mantri Fasal Bima Yojana (PMFBY)

Launch Year: 2016

Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare

Objective: Provide insurance coverage and financial support to farmers in the event of crop failure due to natural calamities, pests and diseases; stabilise farmer income.

Key Features:

·       • Uniform farmer premium: Kharif 2%, Rabi 1.5%, Commercial/Annual Horticulture 5% (balance premium subsidised)

·       • Covers pre-sowing to post-harvest losses; localized calamities

·       • Technology use: remote sensing, drones, GPS for yield estimation and claims

·       • Voluntary enrolment; cluster-based bidding for insurers (as per revised guidelines)

Target Beneficiaries: All farmers growing notified crops in notified areas (tenant/sharecroppers eligible as per state notification).

Recent Updates/Notes: Operational guidelines revised (notified in 2020 onwards) to improve transparency, timely claim settlement and farmer awareness.

2. Pradhan Mantri Krishi Sinchai Yojana (PMKSY)

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Jal Shakti; Ministry of Agriculture & Farmers’ Welfare; Ministry of Rural Development (convergence)

Objective: Expand cultivable area under assured irrigation, improve on-farm water use efficiency, and promote micro‑irrigation.

Key Features:

·       • Components: Accelerated Irrigation Benefits Programme (AIBP), Har Khet Ko Pani, Watershed Development, Per Drop More Crop

·       • Focus on micro‑irrigation (drip/sprinkler) with subsidies

·       • Convergence of schemes and decadal planning by states

Target Beneficiaries: Farmers and water-stressed regions across India.

Recent Updates/Notes: Extended with continued focus on micro‑irrigation and completion of priority projects.

3. Soil Health Card Scheme

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare

Objective: Provide soil health cards with nutrient status and fertiliser recommendations to promote balanced fertilisation and higher productivity.

Key Features:

·       • Soil samples tested for key parameters (pH, EC, organic carbon, NPK, micronutrients)

·       • Cards issued every 2 years; fertiliser use advisories

·       • Strengthening soil testing labs and mobile labs

Target Beneficiaries: All farmers.

Recent Updates/Notes: Ongoing awareness and lab capacity enhancement; integration with digital platforms for advisories.

4. National Agriculture Market (e‑NAM)

Launch Year: 2016

Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare

Objective: Create a pan‑India electronic trading portal to integrate APMC mandis for transparent price discovery and better market access.

Key Features:

·       • Online auctioning, assaying, quality-based bidding

·       • Unified licences within a state; interoperable payment/settlement

·       • Logistics modules and warehouse-based trading introduced progressively

Target Beneficiaries: Farmers, traders, FPOs and agri‑value chain participants.

Recent Updates/Notes: More mandis onboarded; integration with warehouses and FPO trading interfaces continues.

5. Rashtriya Krishi Vikas Yojana (RKVY – RAFTAAR)

Launch Year: 2007 (revamped 2017 as RAFTAAR)

Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare

Objective: Ensure holistic agricultural development by incentivising states to increase public investment; support agri‑startups and value addition.

Key Features:

·       • State plans aligned with district/agro‑climatic needs

·       • Incubation and funding support for agri‑startups

·       • Flexi‑funds for innovation and infrastructure

Target Beneficiaries: State agriculture departments, farmers, agri‑entrepreneurs.

Recent Updates/Notes: Continues under revamped components emphasising innovation and entrepreneurship.

6. Paramparagat Krishi Vikas Yojana (PKVY)

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare

Objective: Promote cluster‑based organic farming to reduce chemical inputs and improve soil health.

Key Features:

·       • Cluster approach (20 ha per cluster) with PGS‑India certification

·       • Financial assistance for organic inputs and value addition

·       • Farmer training and market linkages

Target Beneficiaries: Farmers adopting organic practices; FPOs.

Recent Updates/Notes: Support aligned with National Mission on Organic Farming and market access initiatives.

7. Kisan Credit Card (KCC) Scheme

Launch Year: 1998 (expansions thereafter)

Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance (with Agriculture Ministry convergence)

Objective: Provide timely and affordable credit for cultivation, allied activities and consumption needs; now extended to livestock and fisheries.

Key Features:

·       • Flexible revolving credit with simplified documentation

·       • Interest subvention/Prompt Repayment Incentive as notified

·       • Coverage extended to dairy, fisheries and allied sectors

Target Beneficiaries: Small and marginal farmers, sharecroppers/tenant farmers, fishers and dairy farmers.

Recent Updates/Notes: Special drives for KCC saturation in PM‑KISAN and allied sectors.

8. National Mission for Sustainable Agriculture (NMSA)

Launch Year: 2014

Implementing Ministry/Agency: Ministry of Agriculture & Farmers’ Welfare

Objective: Promote climate‑resilient agriculture through soil and water conservation, rain‑fed area development and climate services.

Key Features:

·       • Rainfed Area Development, On‑Farm Water Management

·       • Agromet services and climate adaptation practices

·       • Support for conservation agriculture and resilient varieties

Target Beneficiaries: Farmers in climate‑vulnerable and rainfed regions.

Recent Updates/Notes: Activities aligned with National Action Plan on Climate Change and state action plans.

9. Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)

Launch Year: 2005 (implemented 2006)

Implementing Ministry/Agency: Ministry of Rural Development

Objective: Provide at least 100 days of wage employment to every rural household willing to do unskilled manual work; create durable assets.

Key Features:

·       • Rights‑based, demand‑driven programme with legal entitlements

·       • Social audits and transparency provisions

·       • Focus on water conservation, land development, and rural infrastructure

Target Beneficiaries: Rural households seeking wage employment.

Recent Updates/Notes: Wage rates revised annually; emphasis on timely payments and asset quality.

10. Pradhan Mantri Gram Sadak Yojana (PMGSY)

Launch Year: 2000

Implementing Ministry/Agency: Ministry of Rural Development

Objective: Provide all‑weather road connectivity to unconnected habitations in rural areas.

Key Features:

·       • Core Network approach with quality monitoring (SQM/NQM)

·       • Upgradation of existing rural roads under later phases

·       • Use of green technologies and geo‑tagging

Target Beneficiaries: Rural population, especially in remote/left‑out habitations.

Recent Updates/Notes: Ongoing phases target last‑mile connectivity and road upgradation.

11. National Rural Livelihood Mission (NRLM) – Aajeevika / DAY‑NRLM

Launch Year: 2011

Implementing Ministry/Agency: Ministry of Rural Development

Objective: Reduce poverty by promoting diversified and gainful self‑employment through SHGs and federations.

Key Features:

·       • Formation of women SHGs and community institutions

·       • Financial inclusion, interest subvention, livelihood diversification

·       • Community resource persons and capacity building

Target Beneficiaries: Rural poor households, especially women.

Recent Updates/Notes: Expanded coverage; convergence with skills and social development programmes.

12. Sansad Adarsh Gram Yojana (SAGY)

Launch Year: 2014

Implementing Ministry/Agency: Ministry of Rural Development

Objective: Develop model villages through convergence and MP leadership for holistic development.

Key Features:

·       • Adoption of Gram Panchayats by Members of Parliament

·       • Focus on social, economic and infrastructure development

·       • Best‑practice replication and community participation

Target Beneficiaries: Selected Gram Panchayats and residents.

Recent Updates/Notes: Implementation continues through convergence with multiple schemes.

13. Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU‑GKY)

Launch Year: 2014

Implementing Ministry/Agency: Ministry of Rural Development

Objective: Skill development and placement for rural youth (15–35, relaxed for special groups).

Key Features:

·       • Demand‑led skilling with industry partnerships

·       • Placement‑linked outcomes and post‑placement support

·       • Focus on socially disadvantaged groups and poor districts

Target Beneficiaries: Rural youth from poor households.

Recent Updates/Notes: Alignment with National Skill Qualification Framework and industry 4.0 skills.

14. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM‑JAY)

Launch Year: 2018

Implementing Ministry/Agency: Ministry of Health & Family Welfare; National Health Authority

Objective: Provide health insurance cover for secondary and tertiary care hospitalisation to poor and vulnerable families.

Key Features:

·       • Health cover up to a defined annual limit per family on a cashless basis at empanelled hospitals

·       • Portability across India; paperless IT platform

·       • E‑cards, pre‑authorisation and package‑based payments

Target Beneficiaries: Identified SECC/AB‑PMJAY eligible families; integration with state schemes.

Recent Updates/Notes: Ongoing expansion of empanelled hospitals and beneficiary portability; digital initiatives under ABDM.

15. Pradhan Mantri Swasthya Suraksha Yojana (PMSSY)

Launch Year: 2003

Implementing Ministry/Agency: Ministry of Health & Family Welfare

Objective: Correct regional imbalances in tertiary healthcare by setting up/Upgrading AIIMS‑like institutions and government medical colleges.

Key Features:

·       • New AIIMS establishments and upgradation of existing institutions

·       • Strengthen speciality services and infrastructure

·       • Phased implementation with central funding

Target Beneficiaries: Patients in underserved regions; medical students and faculty.

Recent Updates/Notes: Multiple AIIMS operationalised; upgradation projects ongoing.

16. Janani Suraksha Yojana (JSY)

Launch Year: 2005

Implementing Ministry/Agency: Ministry of Health & Family Welfare (under NHM)

Objective: Reduce maternal and neonatal mortality by promoting institutional deliveries through conditional cash transfers.

Key Features:

·       • Cash incentives to pregnant women (differential by LPS/HPS)

·       • Accredited Social Health Activists (ASHAs) as link workers

·       • Free entitlements for maternal care in public facilities

Target Beneficiaries: Pregnant women, especially BPL and vulnerable groups.

Recent Updates/Notes: Converges with Janani Shishu Suraksha Karyakram (JSSK) and LaQshya initiatives.

17. National Health Mission (NHM) – NRHM & NUHM

Launch Year: NRHM 2005; NUHM 2013; unified as NHM

Implementing Ministry/Agency: Ministry of Health & Family Welfare

Objective: Strengthen public health systems to provide accessible, affordable, quality healthcare in rural and urban areas.

Key Features:

·       • Health system strengthening, RMNCH+A strategies

·       • ASHAs, community processes and decentralised planning

·       • Flexible financing and performance monitoring

Target Beneficiaries: Rural and urban populations, with focus on vulnerable groups.

Recent Updates/Notes: Continues as umbrella programme; integration with digital health initiatives.

18. Mission Indradhanush

Launch Year: 2014

Implementing Ministry/Agency: Ministry of Health & Family Welfare

Objective: Achieve full immunisation coverage for all children and pregnant women.

Key Features:

·       • Focused immunisation drives in low‑coverage districts

·       • Intensified Mission Indradhanush (IMI) rounds

·       • Monitoring through dashboards and micro‑planning

Target Beneficiaries: Children up to 2 years and pregnant women.

Recent Updates/Notes: Ongoing IMI rounds to reach last‑mile beneficiaries.

19. Pradhan Mantri TB‑Mukt Bharat Abhiyaan (including Ni‑kshay Poshan Yojana)

Launch Year: 2018 (Ni‑kshay Poshan Yojana)

Implementing Ministry/Agency: Ministry of Health & Family Welfare

Objective: End TB by ensuring nutrition support and comprehensive patient‑centric care.

Key Features:

·       • Direct benefit transfer for nutritional support to TB patients

·       • Private sector engagement and treatment adherence systems

·       • Active case finding and diagnostics expansion

Target Beneficiaries: All notified TB patients in India.

Recent Updates/Notes: Scale‑up of DBT support and community engagement; alignment with National TB Elimination Programme.

20. Beti Bachao Beti Padhao (BBBP)

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Women & Child Development (with Health & Education convergence)

Objective: Address declining Child Sex Ratio and empower the girl child through survival, protection and education.

Key Features:

·       • Multi‑sectoral interventions and mass awareness

·       • Focus districts based on indicators

·       • Convergence with education and health schemes

Target Beneficiaries: Girl children, adolescents and communities.

Recent Updates/Notes: Refocused on measurable outcomes in education and health parameters.

21. Pradhan Mantri Matru Vandana Yojana (PMMVY)

Launch Year: 2017

Implementing Ministry/Agency: Ministry of Women & Child Development

Objective: Provide maternity benefit (DBT) to pregnant and lactating women for first live birth to improve health and nutrition.

Key Features:

·       • Conditional cash transfer in instalments upon meeting milestones

·       • Linked with MCP cards and institutional care

·       • IT platform for tracking and DBT

Target Beneficiaries: Eligible pregnant and lactating women (as notified).

Recent Updates/Notes: Integrated with POSHAN strategies; continuing refinements in eligibility and payments.

22. POSHAN Abhiyaan

Launch Year: 2018

Implementing Ministry/Agency: Ministry of Women & Child Development

Objective: Improve nutritional outcomes for children, pregnant women and lactating mothers through convergence and technology.

Key Features:

·       • Real‑time monitoring via POSHAN tracker/ICDS‑CAS

·       • Community‑based events and behaviour change communication

·       • Growth monitoring devices and capacity building

Target Beneficiaries: Children (0–6 years), adolescent girls, pregnant and lactating women.

Recent Updates/Notes: Converges with Saksham Anganwadi & Poshan 2.0 initiatives.

23. One Stop Centre (OSC) Scheme – ‘Sakhi’

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Women & Child Development

Objective: Provide integrated support and assistance to women affected by violence at one location.

Key Features:

·       • 24×7 services: medical aid, police liaison, legal counselling, psychosocial support

·       • Temporary shelter and video‑conferencing for evidence

·       • District‑level centres with convergence

Target Beneficiaries: Women facing violence in public or private spaces.

Recent Updates/Notes: OSC network expanded; integration with helplines and fast‑track mechanisms.

24. Child Protection Services (CPS) – erstwhile ICPS / Mission Vatsalya

Launch Year: 2009 (ICPS), re‑articulated as Mission Vatsalya (2022)

Implementing Ministry/Agency: Ministry of Women & Child Development

Objective: Create a protective environment for children in difficult circumstances through institutional and non‑institutional care.

Key Features:

·       • Child care institutions, adoption, foster care and sponsorship

·       • Juvenile justice implementation support

·       • Capacity building of stakeholders and childline linkages

Target Beneficiaries: Children in need of care and protection; children in conflict with law.

Recent Updates/Notes: Mission Vatsalya framework emphasises family‑based care and standardisation.

25. Samagra Shiksha Abhiyan

Launch Year: 2018

Implementing Ministry/Agency: Ministry of Education

Objective: Unified scheme for school education (pre‑school to Class XII) to improve access, equity and quality.

Key Features:

·       • Integration of SSA, RMSA and TE

·       • Focus on foundational literacy & numeracy, teacher training, ICT

·       • Infrastructure grants and inclusive education

Target Beneficiaries: Students in government and aided schools; teachers and administrators.

Recent Updates/Notes: Aligned with NEP 2020 priorities including FLN and ECCE.

26. PM POSHAN (Mid‑Day Meal Scheme revamped)

Launch Year: 1995 (revamped as PM POSHAN 2021)

Implementing Ministry/Agency: Ministry of Education

Objective: Provide hot cooked meals to school children to improve nutritional status and encourage school attendance.

Key Features:

·       • Meal entitlement for primary and upper‑primary students

·       • Nutrition norms and menu diversification

·       • Community participation and social audit

Target Beneficiaries: Children in government and government‑aided schools.

Recent Updates/Notes: Expansion to pre‑primary in select schools; fortification and local procurement encouraged.

27. PM eVIDYA

Launch Year: 2020

Implementing Ministry/Agency: Ministry of Education

Objective: Enable multi‑modal digital/online education access during and beyond disruptions.

Key Features:

·       • DIKSHA portal, Swayam Prabha DTH channels, community radio

·       • One Class One Channel; e‑content for all grades

·       • Accessibility features and offline options

Target Beneficiaries: Students and teachers across grades; learners needing remote access.

Recent Updates/Notes: Content libraries expanded; alignment with digital public infrastructure for education.

28. National Means‑cum‑Merit Scholarship (NMMS)

Launch Year: 2008

Implementing Ministry/Agency: Ministry of Education

Objective: Reduce drop‑outs at secondary level by awarding scholarships to meritorious students of economically weaker sections.

Key Features:

·       • Selection through state‑level exams (MAT & SAT)

·       • Annual scholarship credited via DBT up to Class XII

·       • Income and performance‑based eligibility

Target Beneficiaries: Students of Class IX–XII from EWS in government/aided schools.

Recent Updates/Notes: Scholarship amount and coverage reviewed periodically by the Ministry.

29. PM SHRI Schools

Launch Year: 2022

Implementing Ministry/Agency: Ministry of Education

Objective: Develop exemplary schools showcasing NEP‑aligned pedagogy, infrastructure and governance.

Key Features:

·       • Selection of existing schools for upgradation

·       • Focus on experiential learning, green practices and technology

·       • Mentoring of neighbourhood schools

Target Beneficiaries: Students and teachers in selected PM SHRI schools and surrounding clusters.

Recent Updates/Notes: Phased selection continues with performance benchmarks.

30. Pradhan Mantri Awas Yojana – Urban (PMAY‑U)

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Housing & Urban Affairs

Objective: Provide housing for all in urban areas through slum rehabilitation, credit‑linked subsidy, affordable housing and beneficiary‑led construction.

Key Features:

·       • In‑situ slum redevelopment, CLSS, AHP, BLC components

·       • Women ownership/ co‑ownership encouraged

·       • Use of green technologies and geo‑tagging

Target Beneficiaries: Urban poor including EWS/LIG and MIG (under CLSS timelines).

Recent Updates/Notes: Projects under implementation with states/ULBs; verticals progressed in phases.

31. Atal Mission for Rejuvenation and Urban Transformation (AMRUT)

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Housing & Urban Affairs

Objective: Provide universal coverage of water supply and sewerage, and develop green & walkable cities.

Key Features:

·       • Service level benchmarks for water and sanitation

·       • Urban transport (non‑motorised) and green spaces

·       • AMRUT 2.0 focuses on 24×7 water supply and reuse

Target Beneficiaries: Residents of mission cities; urban local bodies.

Recent Updates/Notes: AMRUT 2.0 underway with focus on water security and urban reforms.

32. Smart Cities Mission

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Housing & Urban Affairs

Objective: Promote cities that provide core infrastructure and decent quality of life with smart solutions and sustainable development.

Key Features:

·       • Area‑based development and pan‑city solutions

·       • Special Purpose Vehicles for implementation

·       • Integrated command and control centres (ICCC)

Target Beneficiaries: Citizens of selected Smart Cities; urban ecosystems.

Recent Updates/Notes: Projects in advanced stages; knowledge sharing for replication in other cities.

33. Swachh Bharat Mission – Urban (SBM‑U)

Launch Year: 2014 (Phase 2 from 2021)

Implementing Ministry/Agency: Ministry of Housing & Urban Affairs

Objective: Eliminate open defecation, scientific solid waste management and sanitation behaviour change.

Key Features:

·       • ODF+/ODF++ and Garbage‑Free City star ratings

·       • Door‑to‑door collection, segregation and processing

·       • IEC campaigns and sanitation infrastructure

Target Beneficiaries: Urban households and communities.

Recent Updates/Notes: Phase‑2 focuses on solid waste processing and legacy waste remediation.

34. National Urban Livelihood Mission (NULM) – DAY‑NULM

Launch Year: 2013

Implementing Ministry/Agency: Ministry of Housing & Urban Affairs

Objective: Reduce poverty and vulnerability of the urban poor households by enabling access to self‑employment and skilled wage employment.

Key Features:

·       • Self‑Employment Programme, Skill Training and Placement

·       • Support to SHGs and shelters for urban homeless

·       • City livelihoods centres and enterprise promotion

Target Beneficiaries: Urban poor, street vendors, homeless and SHG members.

Recent Updates/Notes: Convergence with PM SVANidhi and skilling initiatives strengthened.

35. Jal Jeevan Mission (JJM)

Launch Year: 2019

Implementing Ministry/Agency: Ministry of Jal Shakti

Objective: Provide Functional Household Tap Connection (FHTC) to every rural household with adequate, safe and regular water supply.

Key Features:

·       • Village Action Plans via Gram Panchayats/ VWSCs

·       • Source sustainability, water quality monitoring, greywater management

·       • Women’s participation and IoT‑based monitoring

Target Beneficiaries: Rural households; schools and anganwadis for tap water facilities.

Recent Updates/Notes: Coverage progressing; states implement via PHE/ line departments.

36. Atal Bhujal Yojana (Atal Jal)

Launch Year: 2019

Implementing Ministry/Agency: Ministry of Jal Shakti

Objective: Improve groundwater management in water‑stressed areas through community participation and demand‑side measures.

Key Features:

·       • Performance‑based incentives to states

·       • Community water budgets and crop‑water alignment

·       • Use of data systems for monitoring aquifers

Target Beneficiaries: Communities in identified water‑stressed blocks and districts.

Recent Updates/Notes: Implementation with World Bank assistance in selected states.

37. Namami Gange Programme

Launch Year: 2014

Implementing Ministry/Agency: Ministry of Jal Shakti (National Mission for Clean Ganga)

Objective: Conserve and rejuvenate the river Ganga through pollution abatement, river‑front development and ecological restoration.

Key Features:

·       • Sewage infrastructure and industrial effluent control

·       • River surface cleaning and ghats/crematoria development

·       • Biodiversity conservation and afforestation

Target Beneficiaries: Populations in Ganga basin; ecological systems.

Recent Updates/Notes: Projects in multiple towns along the basin; focus on O&M sustainability.

38. Saubhagya – Pradhan Mantri Sahaj Bijli Har Ghar Yojana

Launch Year: 2017

Implementing Ministry/Agency: Ministry of Power

Objective: Achieve universal household electrification by providing last‑mile connectivity and electricity connections to willing households.

Key Features:

·       • Free connections to poor households; prepaid/ smart metering options

·       • Use of camps and mobile apps for tracking

·       • Convergence with DDUGJY for rural infrastructure

Target Beneficiaries: Unelectrified rural and urban households.

Recent Updates/Notes: Most states achieved near universal connections; focus on reliability and quality of supply.

39. Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY)

Launch Year: 2014

Implementing Ministry/Agency: Ministry of Power

Objective: Strengthen rural power distribution through feeder segregation, system strengthening and metering.

Key Features:

·       • Feeder separation for agriculture and non‑agriculture

·       • Sub‑transmission and distribution infrastructure

·       • Rural household electrification (initially)

Target Beneficiaries: Rural consumers; DISCOMs in rural areas.

Recent Updates/Notes: Merged/continued within subsequent distribution sector schemes.

40. Kisan Urja Suraksha evam Utthaan Mahabhiyan (PM‑KUSUM)

Launch Year: 2019

Implementing Ministry/Agency: Ministry of New & Renewable Energy

Objective: Promote solar pumps and grid‑connected solar plants for farmers to reduce diesel dependence and provide additional income.

Key Features:

·       • Components for stand‑alone and grid‑connected solar pumps

·       • Decentralised solar power plants on barren/fallow land

·       • Central and state financial assistance; bank credit linkage

Target Beneficiaries: Farmers, cooperatives, panchayats and FPOs.

Recent Updates/Notes: Phased targets with revisions to enhance adoption and DISCOM integration.

41. Stand‑Up India Scheme

Launch Year: 2016

Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance (with Social Justice convergence)

Objective: Promote entrepreneurship among SC/ST and women by facilitating bank loans for greenfield enterprises.

Key Features:

·       • Bank loans between a prescribed range per borrower

·       • Handholding support and credit guarantee cover

·       • At least one SC/ST and one woman borrower per bank branch

Target Beneficiaries: SC/ST entrepreneurs and women entrepreneurs.

Recent Updates/Notes: Scheme extended with continued credit facilitation through SIDBI channels.

42. PM‑DAKSH (Pradhan Mantri Dakshta Aur Kushalta Sampann Hitgrahi)

Launch Year: 2021

Implementing Ministry/Agency: Ministry of Social Justice & Empowerment

Objective: Enhance skill development and livelihood opportunities for target groups of the Ministry.

Key Features:

·       • Short‑term trainings, up‑skilling and entrepreneurship support

·       • Online portal/app for enrolment and tracking

·       • Convergence with NSQF and sector skill councils

Target Beneficiaries: SCs, OBCs, EBCs, DNTs and sanitation workers.

Recent Updates/Notes: Training partners empanelled; placements and entrepreneurship support ongoing.

43. Rashtriya Vayoshri Yojana (RVY)

Launch Year: 2017

Implementing Ministry/Agency: Ministry of Social Justice & Empowerment

Objective: Provide assisted‑living devices to senior citizens belonging to BPL categories to restore near‑normal functionality.

Key Features:

·       • Free distribution of aids and assistive devices

·       • Assessment camps and post‑distribution follow‑up

·       • Implemented through ALIMCO

Target Beneficiaries: BPL senior citizens with age‑related disabilities/impairments.

Recent Updates/Notes: Camps conducted across districts; coverage expanded based on demand.

44. National Action Plan for Drug Demand Reduction (NAPDDR)

Launch Year: 2018

Implementing Ministry/Agency: Ministry of Social Justice & Empowerment

Objective: Prevent substance abuse and facilitate treatment, rehabilitation and social reintegration.

Key Features:

·       • Awareness generation, counselling and de‑addiction services

·       • Capacity building and survey/research

·       • Support to Integrated Rehabilitation Centres for Addicts (IRCAs)

Target Beneficiaries: Individuals and communities affected by substance use disorders.

Recent Updates/Notes: Implementation through state/NGO partners; helplines and outreach intensified.

45. Pradhan Mantri Jan Dhan Yojana (PMJDY)

Launch Year: 2014

Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance

Objective: Universal banking access with basic savings accounts, RuPay card, overdraft and insurance to promote financial inclusion.

Key Features:

·       • Zero‑balance accounts with AEPS and DBT linkage

·       • Accidental and life insurance covers subject to conditions

·       • Overdraft facility and Jan Dhan‑to‑Jan Suraksha convergence

Target Beneficiaries: Unbanked/under‑banked households; PMJDY account holders.

Recent Updates/Notes: Accounts continue under extended framework with focus on DBT and micro‑credit.

46. Atal Pension Yojana (APY)

Launch Year: 2015

Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance; PFRDA

Objective: Provide defined pension to workers in the unorganised sector through contributory scheme.

Key Features:

·       • Guaranteed pension to subscribers on attaining 60 years (as per chosen slab)

·       • Government co‑contribution for eligible early joiners (initial window)

·       • Managed by PFRDA through banks/post offices

Target Beneficiaries: Citizens in the unorganised sector within eligible age band.

Recent Updates/Notes: Subscriber base expanding; periodic parameter reviews by PFRDA.

47. Pradhan Mantri Mudra Yojana (PMMY) – MUDRA

Launch Year: 2015

Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance

Objective: Provide collateral‑free loans to micro and small enterprises under Shishu, Kishor and Tarun categories.

Key Features:

·       • Credit guarantee coverage through CGFMU

·       • Refinance support via MUDRA Ltd./SIDBI

·       • Focus on first‑generation entrepreneurs and women

Target Beneficiaries: Non‑farm micro/small enterprises and entrepreneurs.

Recent Updates/Notes: Disbursement targets revised periodically; digital lending channels leveraged.

48. Sukanya Samriddhi Yojana (SSY)

Launch Year: 2015

Implementing Ministry/Agency: Ministry of Finance (DEA – NSI)

Objective: Encourage savings for the girl child through a small‑savings scheme with attractive returns and tax benefits.

Key Features:

·       • Account for girl child below a defined age; deposits up to specified limit

·       • Competitive interest rate notified quarterly; EEE benefits under IT Act (as applicable)

·       • Partial withdrawal for education/marriage and maturity at defined age

Target Beneficiaries: Guardian/parents of eligible girl children.

Recent Updates/Notes: Interest rates notified quarterly along with other small savings schemes.

49. National Pension System (NPS)

Launch Year: 2004 (for Govt), opened to all citizens 2009

Implementing Ministry/Agency: PFRDA; Ministry of Finance

Objective: Provide market‑linked retirement savings with regulated architecture and choice of fund managers.

Key Features:

·       • Tiers I & II accounts; lifecycle and active choice

·       • Regulated charges and central recordkeeping agency (CRA)

·       • Portability across jobs/locations; partial withdrawals under conditions

Target Beneficiaries: Central/State govt employees (as notified), corporate subscribers and all citizens.

Recent Updates/Notes: Parameter tweaks and compliance circulars issued periodically by PFRDA.

50. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Launch Year: 2015

Implementing Ministry/Agency: Department of Financial Services, Ministry of Finance

Objective: Provide affordable accidental death and disability insurance through auto‑debit from bank accounts.

Key Features:

·       • Annual renewable cover with low premium via auto‑debit

·       • Benefits for accidental death and specified disability

·       • Simple enrolment through banks and BCs

Target Beneficiaries: Any bank account holder within eligible age band.

Recent Updates/Notes: Premium/benefit parameters reviewed; enrolment through mass drives continues.