government schemes essay

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Government Schemes 2023

Gain a comprehensive understanding of key government schemes for UPSC success. PWOnlyIAS provides clear explanations and categorized lists.

Government Schemes

UPSC CSE is considered one of the toughest examinations in the country, and it requires comprehensive knowledge about various aspects of governance, policies, and schemes. Government schemes play a crucial role in the exam as they often form the basis of questions related to social welfare, economic development, and governance. Therefore, understanding the relevance and importance of government schemes is essential for every aspirant.

At Government Schemes, PWonlyIAS aim to provide you with detailed and updated information about the different schemes launched by the government. PWonlyIAS comprehensive database covers a wide range of schemes, including those related to education, healthcare, agriculture, rural development, and more. With our user-friendly platform, you can easily navigate through various categories and find the scheme that interests you.

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In order to promote socio economic development in the country, the Indian government has launched several schemes in 2023. These well-planned programs aim to enhance infrastructure, provide support to marginalised communities, and stimulate economic growth. Let’s take a look at some noteworthy initiatives implemented by the government during this period.

Government Schemes Section is dedicated to providing you with detailed and accurate information about all the latest and important schemes launched by the government. PWOnlyIAS keep our portal regularly updated, ensuring that you always have access to the most recent information. You can also subscribe to our newsletter for regular updates on new scheme announcements, changes in existing schemes, and other relevant information.

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Government Schemes PDF

The Indian government has introduced various schemes this year to bolster the social and economic well-being of the country. These measures have been undertaken to address the diverse social and economic issues faced by the residents of India. Some new programs have been launched in 2022, while several existing programs have been extended with longer policy durations.

Each year, the government takes proactive steps and implements initiatives to address the concerns of the public and address their problems. Both the central and state governments invest the necessary funds to initiate these strategies and programs. In this article, we will provide an overview of significant initiatives that the Indian government plans to implement in 2022.

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Government Schemes List 2023

Government schemes play a pivotal role in a nation’s development by addressing various social, economic, and demographic challenges. In 2023, governments worldwide continue to introduce and implement schemes aimed at improving the lives of their citizens. This article explores some of the key government schemes in 2023, focusing on those designed to empower women, students, girl children, and Micro, Small, and Medium Enterprises (MSMEs).

Government Schemes for Women

Empowering women has long been a priority for governments across the globe. In 2023, numerous schemes are focused on enhancing the status and opportunities for women:

• Beti Bachao, Beti Padhao (Save the Girl Child, Educate the Girl Child): This Indian initiative aims to address gender-based sex-selective practices and promote the education of girl children.
• Women’s Entrepreneurship Program: Various countries are launching entrepreneurship programs to support women in starting and growing businesses. These programs often provide financial assistance, training, and mentorship.
• Maternity Benefits: Many governments are expanding maternity benefits to provide paid leave, health coverage, and support for working mothers.
• Domestic Violence Prevention: Schemes targeting domestic violence aim to provide shelter, legal support, and counseling services to women facing abusive situations.  

Government Schemes for Students

Education is a fundamental right, and governments worldwide are committed to providing quality education to all students. In 2023, several schemes are geared towards students’ welfare:

• Free Education: Some countries have introduced schemes to provide free education up to a certain level, ensuring that financial constraints do not hinder access to knowledge.
• Scholarship Programs: Scholarships are being offered to meritorious students, enabling them to pursue higher education without worrying about the cost.
• Digital Literacy: With the rise of online learning, governments are investing in digital literacy programs to equip students with the necessary skills for the digital age.

Government Schemes for Girl Child

Investing in the future of girl children is an investment in a nation’s progress. In 2023, governments are implementing schemes to secure a brighter future for girl children:

• Girls’ Education: Initiatives like ‘Educate the Girl Child’ are designed to increase enrollment and retention of girls in schools by providing them with the necessary resources and support.
• Healthcare: Schemes promoting the health and well-being of girl children include vaccinations, nutrition programs, and awareness campaigns.
• Legal Protection: Governments are strengthening legal frameworks to protect girls from child marriage, trafficking, and other forms of exploitation.

Government Schemes for MSME

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of many economies. In 2023, governments are offering support to help these enterprises thrive:

• Financial Assistance: MSMEs can benefit from low-interest loans, grants, and subsidies to boost their operations and competitiveness.
• Skill Development: Training programs and workshops are being conducted to enhance the skills of MSME owners and employees.
• Market Access: Governments are facilitating market access for MSMEs by connecting them with larger companies, both domestically and internationally.

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Why is it important to be well-informed about government schemes in the UPSC CSE exam?

Current Affairs and Policy Analysis: Government schemes are often in the news, and staying updated about their objectives, successes, failures, and implementation challenges can give you an edge in the exam. The UPSC exam tests your ability to analyze policies and their impact on the society, and knowledge of government schemes can help you excel in this aspect.

Answer Writing: UPSC CSE requires candidates to write comprehensive and analytical answers. By understanding government schemes, you can incorporate relevant examples and statistics in your answers, making them more impactful and demonstrating your depth of knowledge.

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Essay Writing: Government schemes are often the topic of essays in the UPSC CSE exam. By having a strong understanding of various schemes, their objectives, and their impact, you can construct well-structured and well-analysed essays, which are crucial for scoring high marks.

Personality Test: In the final stage of the exam, i.e., the Personality Test, your understanding of government schemes can help you engage in meaningful discussions with the interview panel. It portrays your awareness of current issues and your ability to link them with government policies and programs.

UPSC CSE candidates do not overlook the importance of government schemes. Explore the PWonlyIAS website, delve into the details of various schemes, and equip yourself with the knowledge required to ace the exam.

Government Schemes 2023 FAQs

What are government schemes, how can i find information about government schemes, who is eligible to benefit from government schemes, how do i apply for government schemes, what are the benefits of government schemes.

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Essay on Government Schemes

Government of India incessantly launching various Government Schemes for well being of the people of the country. These schemes are launched from time to time to address various issue and to strengthen the economic, social, cultural status of its citizen. We have written essays on various important Government Schemes launched by Government of India from time to time. You can read these essays on government schemes by clicking the topic.

Essay on Government Schemes in English

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You can read these essays by clicking the topic. New essay on Government Schemes are added here from time to time. Keep visiting this page to get new essays on Government Schemes. You can download PDF Essays from here for your exam.

Essay on Government Schemes in Hindi

• आज़ादी का अमृत महोत्सव (निबंध पढ़ने के लिए टॉपिक पर क्लिक करें)
• आत्मनिर्भर भारत  
• वोकल फॉर लोकल  
• कृषि विधेयक 2020

ये सभी निबंध लगभग 500 शब्दों के है। किसी भी टॉपिक पर क्लिक करके आप निबंध को पढ़ सकते हैं।

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Indian Government, at all levels, announces Welfare Schemes for a cross section of the society from time to time. These schemes could be either Central, State specific or a joint collaboration between the Centre and the States. In this section, we have attempted to provide you an easy and single point access to information about several welfare schemes of the Government and their various aspects including eligible beneficiaries, types of benefits, scheme details etc.

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26 important schemes launched by Narendra Modi government

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UPSC IAS Study Material on Government Schemes in India

Amruta Patil

Aug 9, 2024

IAS Exam Latest Updates

• 09 August, 2024 : UPSC Mains Schedule 2024 Out; Exam from September 20

Various Government Schemes and Programs are launched by the Indian Government for the country’s socio-economic development every year. They play a vital role in resolving the challenges faced by the citizens and add value to their lifestyle. These schemes are equally beneficial to each of the citizens and aware citizens must have knowledge about them. Official Notification for IAS (UPSC CSE) 2023 has been released.

Questions regarding these govt schemes and programs are asked in the UPSC Exam and other government exams such as SSC, RRB, etc. The aspirants must check the UPSC Previous Years’ Question Paper to properly understand the type of questions asked. Therefore, it is important to study various government schemes and programs regularly. Check out IAS (UPSC ESE) 2022 Exam Centres .

Dates of Government Schemes Launch for UPSC

Recently, due to the Covid-19 pandemic and economic crisis in the country, PM Modi had announced the Atma Nirbhar Package of Rs.27.1 Lakh Crores that is beneficial to the MSME and New Startups.

Many such other schemes and packages were launched by the government to aid the faster growth of the country’s economy and provide the citizens with a better standard of living.

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On February 1, 2022, the Finance Minister of India, Nirmala Sitaraman had announced the union budget for the fiscal year 2022-22 and various schemes and packages were announced under it. Here, we have provided a complete list of government schemes and programs launched by the government that will be helpful to the candidates preparing for the civil services exam.

Also, various other schemes were launched by the Indian government from time to time. The candidates can find a complete list of the important schemes launched by the Indian Government below. Aspirants can get more details about each of the schemes by clicking on them.

Check out IAS (UPSC CSE) Recruitment 2022-22 .

List of Important Schemes Launched by Modi Government

Several schemes were launched by the Modi government in 2014. These schemes had helped in the socio-economic development of India. A list of all the schemes that are launched by the Modi government is provided below.

• Atmanirbhar Bharat Abhiyan
• Mission Karmayogi
• Pradhan Mantri SVANidhi Scheme
• Samarth Scheme
• Savya Shiksha Abhiyaan
• Rashtriya Gokul Mission
• Production Linked Incentive (PLI) Scheme
• PM FME – Formalization of Micro Food Processing Enterprises Scheme
• Kapila Kalam Program
• Pradhan Mantri Matsya Sampada Yojana
• National Digital Health Mission
• Solar Charkha Mission
• SVAMITVA Scheme
• Sahakar Pragya Initiative
• Integrated Processing Development Scheme
• Housing for All Scheme
• Sovereign Gold Bond Scheme
• Fame India Scheme
• KUSUM Scheme
• Nai Roshni Scheme
• Swadesh Darshan Scheme
• National Water Mission
• National Nutrition Mission
• Operation Greens Scheme
• Deep Ocean Mission
• PM-KISAN (Pradhan Mantri Kisan Samman Nidhi) Scheme
• Pradhan Mantri Kisan Maan Dhan Yojana
• PM Garib Kalyan Yojana (PMGKY)
• Pradhan Mantri Shram Yogi Maan-Dhan
• New Jal Shakti Ministry
• Jan Dhan Yojana
• Skill India Mission
• Make in India
• Swachh Bharat Mission
• Sansad Adarsh Gram Yojana
• Sukanya Samriddhi Scheme – Beti Bachao Beti Padhao
• HRIDAY Scheme
• PM Mudra Yojna
• Ujala Yojna
• Atal Pension Yojana
• Prime Minister Jeevan Jyoti Bima Yojana
• Pradhan Mantri Suraksha Bima Yojana
• Digital India Mission
• Gold Monetization Scheme
• Start-up India
• Setu Bhartam Yojana
• Stand Up India
• Prime Minister Ujjwala Plan
• National Mission for Clean Ganga (NMCG)
• Atal Bhujal Yojanan (ABY)
• Prime Minister’s Citizen Assistance and Relief in Emergency Situation (PM CARES)
• Aarogya Setu
• Ayushman Bharat
• UMANG – Unified Mobile Application for New-age Governance
• PRASAD Scheme – Pilgrimage Rejuvenation And Spirituality Augmentation Drive
• Saansad Adarsh Gram Yojana (SAGY)
• Shramev Jayate Yojana
• Smart Cities Mission
• Pradhan Mantri Gram Sadak Yojana (PMGSY)
• Mission for Integrated Development of Horticulture (MIDH)
• National Beekeeping & Honey Mission (NBHM)
• Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)
• Remission of Duties and Taxes on Exported Products (RoDTEP) Scheme
• Unique Land Parcel Identification Number (ULPIN) Scheme
• UDID Project
• eSanjeevani Programme (Online OPD)
• Pradhan Mantri Swasthya Suraksha Yojana
• YUVA Scheme for Young Authors
• Ethanol Blended Petrol (EBP) Programme
• Scheme for Adolescent Girls (SAG)

Ministry-Wise List of Other Important Government Schemes

The candidates preparing for UPSC & Other Civil Services Exam must have dynamic knowledge about the government and its schemes. Here is the list of the important government schemes that were launched by the government along with other details. The aspirants must have an overview of these schemes as questions can be directly asked from them.

Ministry of Agriculture and Farmer Welfare Schemes

Agriculture is the primary source of Income for India and it is vital to boost the agriculture for socio-economic wellness of the country. The Indian government has launched many government schemes that are beneficial to farmers from time to time, and some of the famous schemes include PM Kisan Samman Nidhi, PMKMY, PMFBY, PMKSY, etc. Here is the list of the important government schemes related to Agriculture and Farmer Welfare that one must have a look at.

Ministry of Chemicals and Fertilizers Schemes

Indian Govt has launched two major schemes for the development and growth of the Chemical and Petrochemical industry in the country. More details about these schemes can be availed from the table provided below.

PMBJP was launched under the Department of Pharmaceuticals to avail generic and quality medicines in the country. Also, Pharma Jan Samadhan Scheme empowers the citizens with transparent and justified ways of addressing grievances related to pricing, availability and quality of medicines.

Ministry of Civil Aviation Schemes

Various schemes were also launched by the Indian government under the Ministry of Civil Aviation for the development of the aviation industry. Here is the list of the schemes that one must study for IAS (UPSC ESE) Exam .

Ministry of Commerce and Industry Schemes

Indian Govt has launched many schemes for the growth of new industries and to boost startups in India such as Start-Up India Scheme, e-Biz, MEIS, etc. Here is the list of the schemes launched under the ministry of commerce and Industry that one must have a look at.

Ministry of Communication Schemes

The ministry of communication aims at building strong communication through telecommunication and postal services. Various schemes such as DARPAN, Bharat NET, etc. have been launched by it to enhance the communication facilities in the country. Here is the list of the schemes launched by this ministry that one should go through for UPSC.

Ministry of Consumer Affairs, Food & Public Distribution Schemes

The Indian government has launched many schemes for the protection of consumers against any kind of health hazards and economical loss. Some of the important names include NFSA, Jago Grahak Jago, etc. Here, is the list of the schemes that were launched under this ministry.

Ministry of Culture Schemes

India is a country that flourished with a vast and varied culture. We are known for our unique culture all over the world and the government has also launched various schemes for the protection of it. Here is the list of the schemes launched by the Ministry of Culture that one must have a thorough knowledge of during the UPSC Exam.

Ministry of Defence Schemes

Being surrounded by many hostile countries, defence forces work hard for security and peace in the country. Govt of India has launched many schemes for the overall betterment of defence forces and ex-servicemen. Here is the list of the schemes launched by the Ministry of Defence.

Ministry of Development of NE Region Schemes

Indian Govt has emphasized the development of the North-Eastern region, and a separate ministry was established for the same. Here is the list of the schemes launched by the Ministry of Development of the NE region.

Ministry of Jal Shakti Schemes

Keeping in view, the increasing scarcity and demand for potable water, the government of India had established this Ministry in May 2019. This ministry had launched various schemes and programs for the retention of clean and potable water in the country. Some of the famous schemes included Jal Jeevan Mission, Jal Shakti Abhiyaan, Swachh Bharat Mission, etc. Here is the list of the Jal Shakti Schemes that every UPSC aspirant must-read.

Ministry of Earth Science Schemes

The Ministry of Earth Science has released a couple of Schemes related to the weather forecast and climate studies. ACROSS launched by this ministry during 2017-2020 was high in discussions. A list of the schemes launched by the Ministry of Earth Science is provided below.

Ministry of Electronics & IT Schemes

Digital India is one of the most famous and successful initiatives by the Ministry of Electronics and IT. The ministry has also launched other popular schemes such as Digi Locker, Stree Swabhiman etc. that aims towards the digital revolution. Here is the list of the schemes launched by the Ministry of Electronics and IT.

Ministry of Environment, Forest and Climate Change Schemes

India is a country with a diverse environment, flora and fauna. The government has taken some important steps to protect this diversity and to combat some of the major environmental issues such as Global Warming, Deforestation, etc. to protect the ecosystem. Various schemes have been launched under the Ministry of Environment, Forest and Climate Change to promote afforestation, protection of wildlife and endangered species, protection of ecosystem etc. Here is the list of the schemes launched by the ministry in this regard.

Ministry of Finance Schemes

The Ministry of Finance has launched various schemes for the economic and financial upliftment of the country. Some of the popular schemes include PMJDY, PMMY, PMSBY etc. Here is the list of the schemes launched by the finance ministry for the financial betterment of the country.

Ministry of Food Processing Industries Schemes

A list of the government schemes launched for the Food Processing Industries is provided in the table below.

Ministry of Health and Family Welfare Schemes

Health is considered as wealth and for a developing country like India, it is important to focus on implementing schemes and policies to enhance the health of the citizens. Various schemes were launched by the government of India from time to time in this regard. Some of the famous Schemes include Nationa Health Mission, Mission Indradhanush, Janani Suraksha Yojana, etc. that aims to provide the citizens with easy and affordable medical facilities and also aims for the eradication of seasonal epidemics.

Ministry of AYUSH Schemes

Ministry of AYUSH was established for the development of five traditional systems of medicines that are prevalent in India i.e. Ayurveda, Yoga, Unani, Siddha and Homeopathy. Various schemes are launched by the Ministry of AYUSH to promote the traditional medicines and for their development in the country. For eg., Mission Madhumeha was launched by the MoAYUSH for the eradication of Diabetes through Ayurveda. National AYUSH Mission was also launched for the establishment of AYUSH centres throughout the country.

Ministry of Heavy Industries & Public Enterprises Schemes

Faster Adoption and Manufacturing of Hybrid and Electric vehicle (FAME) India Scheme was launched by the Ministry of Heavy Industries & Public Enterprises to escalate the production and purchase of electric vehicles in the country. It was started in 2019 and is supposed to end by 2022. The candidates can read more about the scheme at the link provided below.

Ministry of Home Affairs Schemes

Various initiatives and schemes were launched by the Home Ministry of India for the overall betterment of the country. Bharat Ke Veer is one such scheme initiated under the Ministry of Home Affairs to support the families of the brave-hearted soldiers who martyred during the wars or any military operations. Also, various other schemes such as Operation Muskaan, Operation Smile, PM Scholarship Scheme, etc. were launched under this ministry.

Ministry of Housing & Urban Affairs Schemes

Govt of India has launched various schemes and policies for providing shelters to all in the Urban Areas. Subsidies are provided in the loans for houses in the urban areas under various schemes. Some of the well-known schemes launched under this ministry include PAISA, HRIDAY, AMRUT, etc. Aspirants preparing for UPSC Exam can get complete details about various schemes through the table provided below.

Ministry of Human Resource Development Schemes

Unemployment is a major issue for a vast country like India. Various efforts were made by the central government to sharpen the skillsets of the people to provide them with employment. Also, various schemes such as Unnat Bharat Abhiyan, Shudhganga, etc. were launched that encouraged the unemployed youths to get employment.

Ministry of Labour and Employment Schemes

Ministry of Labour and Employment has initiated various schemes for the betterment of the labours and employees and to encourage them. Pradhan Mantri Rojgar Protsahan Yojana was initiated to incentivize the worker and to generate new employment. Here is the list of the Ministry of Labour and Employment that the UPSC Aspirants must read.

Ministry of Micro, Small & Medium Enterprises Schemes

Govt of India has worked hard for the growth of MSMEs in the country. ASPIRE SFURTI, Credit Linked Capital Subsidy Scheme, etc. are some of the popular schemes launched by the Ministry of MSME. Here is the list of the schemes launched by this ministry.

Ministry of Mines Schemes

Ministry of Mines had released the Pradhan Mantri Khanij Kshetra Kalyan Yojana (PMKKKY) for the development and betterment of the people being affected by the Mining Activities. The candidates can get complete details about the PMKKKY from the link provided below.

Ministry of Minority Affairs Schemes

The Ministry of Minority Affairs has launched a couple of schemes for the development and upliftment of the Minority communities in India, under which the minorities are provided with proper guidance and resources to become economically independent. Some of the famous schemes include MANAS, USTAAD, Nai Manzil, etc.

Ministry of New & Renewable Energy Schemes

Global warming, pollution, eradication of natural resources, oils etc. are some of the major concerns. Govt of India has been motivating the use of green energy. Many programmes and schemes were launched by the government to create awareness about Solar and Renewable energy resources. Some of the schemes launched by the Govt in this sector are provided below.

Ministry of Panchayati Raj Schemes

The Ministry of Panchayati Raj has launched a couple of schemes from time to time to enable a smooth process of decentralized governance in the local bodies. Here is the list of the schemes launched under the Ministry of Panchayati Raj.

Ministry of Petroleum and Natural Gas Schemes

The Ministry of Petroleum and Natural Gas has been trying to create awareness amongst the citizens about the use of clean and environment-friendly fuels. Various activities such as CNG Vehicle Driving Contest, Farmer Workshop, etc. were organized under the SASKHAM (Sanrakshan Kshamata Mahotsav) campaign to create awareness about moving towards a gas-based economy.

Ministry of Power Schemes

This ministry has implemented various projects and schemes in India for the development of electrical energy in the country. Unnat Jyoti by Affordable LEDs for All (UJALA) scheme launched by this scheme availed low-cost and energy-efficient LEDs to the citizens. Other schemes launched by this Ministry are provided below.

Ministry of Railways Schemes

Various schemes were launched by the Indian Railways for ease of transport facilities in India. VIKALP scheme enabled the passengers to have a confirmed ticket to avail of confirmed berths in any other trains. Clone Train Service was also launched during the Covid-19 pandemic to ease the passengers. The UPSC aspirants must go through the Railway Schemes provided below during their preparation.

Ministry of Road Transport & Highways Schemes

There has been revolutionary development by the Ministry of Road Transport and Highways in the past few years such as FASTag. Here is the list of some of the important schemes and policies launched by the Ministry of Road Transport and Highways for UPSC preparation.

Ministry of Rural Development Schemes

The Ministry of Rural Development has launched various schemes for the socio-economic development of rural India. MNREGA, SECURE, Kaushal Panjee are some of the famous govt schemes providing employment to rural India. Aspirants can read more about the schemes launched by the government through the table provided below.

Ministry of Science & Technology Schemes

The Indian government has taken many steps for the development of science and technology in India. Various schemes and programs were launched by the Ministry of Science and Technology to encourage Science and Technology development in the country. NIDHI, KIRAN, SATYAM, etc. are some of the important and remarkable schemes in this sector.

Here is the list of the schemes launched by the Indian Government that one must read during the UPSC Preparation.

Ministry of Shipping Schemes

Ministry of Shipping has introduced two main schemes to pace the development of Ports and Shipping Facilities in the country to ease import and export. Sagarmala Project was launched by the govt to reduce the EXIM cost of Logistics by the use of minimal infrastructure and Jal Marg Vikas Project was implemented with the help of the world bank for capacity augmentation of navigation on National Waterway-1.

Aspirants can read more about these Ministry of Shipping Schemes for UPSC from the table provided below.

Ministry of Skill Development and Entrepreneurship Schemes

Lack of proper skill and guidance is one of the major reasons behind unemployment. Govt has taken many steps and launched various schemes for Skill Development and Entrepreneurship in India. Pradhan Mantri Kaushal Vikas Yojana is one of the schemes launched by the Ministry of Skill Development and Entrepreneurship. A list of other important government schemes is provided below.

Ministry of Social Justice & Empowerment Schemes

Ministry of Textiles Schemes

Ministry of Tourism Schemes

Ministry of Tribal affairs Schemes

Ministry of Women & Child development Schemes

Ministry of Youth Affairs & Sports Schemes

Ministry of Personnel, Public Grievances & Pensions Schemes

State Government Schemes

Poverty Alleviation & Employment Related Schemes

India is a developing country and as per the census of 2011-12, a total of 26.9 Crore people fell below the poverty line which was 21.9% of the population. Also, employment is a major concern in such a vast country. Efforts were made by the Indian Government to decrease this number and various schemes were launched by the government to alleviate poverty and boost employment.

Here are the poverty alleviation and employment-related schemes by the Indian Government.

Health & Sanitation Related Schemes

Health is wealth, and cleanliness and proper sanitation are mandatory to prevent the origin of new diseases. Efforts were made by the government to promote proper sanitation and to enhance the health of Individuals through various schemes and campaigns.

Swachh Bharat Abhiyan was one of the most revolutionary missions by the Indian Government. Here are some of the most important health and sanitation related schemes launched by the Indian Government.

Other Government Schemes

Various other government schemes also had noticeable contributions to the development of the country. The list of such schemes is provided in the table below. UPSC Aspirants must study these schemes thoroughly as they are important from the exam point of view.

Statistical and Date related questions can be asked from these schemes. Also, the candidates must have basic knowledge about these schemes such as their objectives, target of scheme, ministry/department, tenure of scheme, eligibility criteria of beneficiary etc.

UPSC Study Notes - Government Schemes in India FAQs

Ques. Are government schemes important for UPSC?

Ans. Yes, various government schemes and Yojanas are important when you are preparing for UPSC and other state services. The aspirants must have thorough knowledge about the various government schemes launched by the government as questions can be asked in the exam regarding them.

Ques. How to prepare government schemes for UPSC?

Ans. To prepare the Government Schemes for UPSC, we have provided an entire list of important government schemes and Yojanas. The aspirants can have look at the list to get basic details about them. Also, the aspirant can find complete details about the Yojana by clicking on it.

Ques. What kind of questions are asked in UPSC Prelims related to government schemes?

Ans. The type of questions that can be asked in the UPSC Prelims is highly unpredictable. However, questions related to the objectives, target, beneficiary group, launch date, concerned ministry or department can be asked in the UPSC Exam.

Ques. Does UPSC ask Current Affairs?

Ans. Yes, the Union Public Service Commission does ask about current affairs in the Prelims as well as Mains Exam. It is asked in the General Studies Paper of the exam

Ques. Can an average student crack IAS?

Ans. Yes, definitely! There are instances when average students had cleared the IAS Exams even in their first attempts. UPSC is all about your determination and approach towards preparation. Plan your preparation and executive it. Consistency is considered the key to achieving success in UPSC.

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Essay on Schemes by Government of India for Class 10, 12, Mains Exam (UPSC, PSC, SSC)

Schemes by Government of India Essay : The Indian government comes up with several schemes for the benefit and welfare of society and its citizens. These schemes are spread throughout the nation which are wither related to state schemes and central schemes, guided by the state or Central government accordingly.These government schemes pertain to the different sectors of the society and different  areas like finance schemes, health facility schemes, electricity schemes, employment schemes, waste management schemes , education schemes etc. These schemes help to weaker section of the society to self sustain their daily living.

1.) Pradhan Mantri Jan DhanYojana The Pradhan Mantri Jan DhanYojana is a National Mission on Financial Addition and increasing the  fiscal condition of the banks and financial institutionsby providing banking related services to all homes in the country. Also making the banking sector digitized, so the users can transact from their home.

3.) Swachh Bharat Mission As a public movement, the Swachh Bharat Mission was launched throughout the country. The main vision was to achieve a” Clean India”. By providing clean sanitation facilities to every homes including rural areas and hi-tech waste management techniques.

7.) Gold Monetisation Scheme The Government of India launched the Gold Monetisation Scheme in 2015.  One can deposit gold in any form in a GMS account and earn interest as the price of gold. Since gold rises have been rising continuously the citizens can earn good rate of returns.

13.) National Digital Health Mission – The charge,whichwas launched on August 15, 2020, aims to produce an . integrated healthcare system that will digitally connect interpreters and cases by furnishing them with access to real- time health records.

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List of Government Schemes 2024, Check Latest State and Central List

Union Budget 2024-25 outlines several new schemes and modifications to existing ones to foster economic growth. Check Out List of Government Schemes 2024 and the Latest State and Central List here.

Table of Contents

The Union Budget 2024-25, presented by Finance Minister Nirmala Sitharaman on July 23, 2024, focuses on propelling India towards becoming a developed nation by 2047. The budget outlines several new schemes and modifications to existing ones to foster economic growth, social progress, and good governance. Check Out List of Government Schemes 2024 and the Latest State and Central List here.

Government Schemes List 2024 for UPSC Exam

The Union Budget 2024-25 introduces several new schemes and modifications to existing ones, aimed at holistic national development. These schemes reflect the government’s commitment to inclusive growth, sustainable development, and preparing the nation for future challenges. Understanding these schemes is crucial for UPSC aspirants, as they form an integral part of the Indian polity and economy.

1. Viksit Bharat by 2047

Objective: Transform India into a developed nation by 2047.

• Regions Covered: Jharkhand, Bihar, Odisha, West Bengal, and Andhra Pradesh.
• Focus: Infrastructure, human resource development, and economic opportunities.
• Aim: Make the eastern region a growth engine.
• Initiatives: Partnering with the private sector to set up Bharat Small Reactors, Bharat Small Modular Reactors, and developing new nuclear technologies.

2. Rooftop Solarisation Scheme

Scheme Name: PM Surya Ghar Muft Bijli Yojana.

• Objective: Provide 300 units of free electricity per month to 1 crore households through rooftop solar installations.
• Benefits: Annual savings of Rs.15,000 – Rs.18,000 per household, facilitates EV charging, and creates entrepreneurial and employment opportunities in the solar sector.

3. Atmanirbhar Oil Seeds Abhiyan

Objective: Achieve self-sufficiency in oil seeds.

• Coverage: Groundnut, mustard, soybean, sesame, and sunflower.
• Focus Areas: Modern farming techniques, high-yield varieties, value addition, procurement, market linkages, and crop insurance.

4. Employment Linked Incentive Schemes

• Target: New workforce entrants in formal sectors.
• Benefit: One-month wage up to Rs.15,000 in three installments.
• Eligibility: Salary up to Rs.1 lakh per month.
• Impact: Benefits 210 lakh youth.
• Focus: Additional employment linked to first-time employees in manufacturing.
• Incentive: EPFO contribution support for the first four years of employment.
• Impact: Benefits 30 lakh youth and their employers.
• Coverage: Additional employment in all sectors with salaries below Rs.1 lakh per month.
• Incentive: Reimbursement of up to Rs.3,000 per month for EPFO contribution for two years.
• Impact: Encourages employment of 50 lakh people.

5. New Skilling Programme

Objective: Skill 20 lakh youth over five years.

• Initiative: Upgrade 1,000 Industrial Training Institutes with industry collaboration.
• Focus: Align course content with industry needs and introduce new courses for emerging sectors.

6. Pradhan Mantri Janjatiya Unnat Gram Abhiyan

Objective: Improve socio-economic conditions of tribal communities.

• Coverage: 63,000 villages in aspirational districts and tribal-majority areas.
• Beneficiaries: 5 crore tribal people.

7. Credit Guarantee Scheme for MSMEs

Objective: Facilitate term loans to MSMEs without collateral.

• Mechanism: Pooling credit risks and a self-financing guarantee fund.
• Guarantee Cover: Up to Rs.100 crore per applicant.

8. Credit Support to MSMEs during Stress Period

Objective: Ensure credit continuity for MSMEs during stress periods to prevent NPAs.

• Support: Government-promoted fund guarantees credit availability.

9. Comprehensive Internship Opportunities Scheme

Objective: Provide internships to 1 crore youth in five years.

• Details: 12-month internships in top 500 companies.
• Benefits: Rs.5,000 monthly allowance and Rs.6,000 one-time assistance.
• CSR Contribution: Companies to bear training cost and 10% internship cost.

10. NPS Vatsalya

Objective: Allow parents and guardians to contribute to NPS for minors.

• Feature: Seamless conversion to a regular NPS account upon attaining majority.

Changes in Existing Schemes

• New Target: 3 crore additional houses in rural and urban areas.
• Urban 2.0 Initiative: Housing for 1 crore urban middle-class and poor families with Rs.10 lakh crore investment.
• Revised Loan Limit: Up to Rs.7.5 lakh with government-promoted fund guarantee.
• Impact: Assists 25,000 students annually.
• Enhanced Loan Limit: Rs.20 lakh under ‘Tarun’ category.
• Focus: Entrepreneurs with a track record of successful loan repayments.
• Phase IV: All-weather connectivity for 25,000 rural habitations with increased population.

List of Government Schemes Ministry-wise

Here is the List of Important Schemes of Indian Government 2024:

Download Govt Schemes List 2023- 24 Summary

Government Schemes 2024

• Unified Pension Scheme, Objective, Key Features and Significance
• National Mission for Clean Ganga (NMCG)
• Regional Connectivity Scheme (RCS)-UDAN, Objectives and Components
• Har Ghar Tiranga Campaign 2024, Significance, Registration Process
• AMRUT Mission 2.0 Scheme,100 Day Agenda, Implementation, Challenges
• Employment Linked Scheme (ELS) announced by FM Sitharaman
• Model Skill Loan Scheme, Eligibility, Repayment Period
• U-WIN Portal: Vaccinations Management System for every Child
• National Forensic Infrastructure Enhancement Scheme (NFIES)
• Ladla Bhai Yojana, Features, Significance and Challenges
• Digital India Mission, 9 Pillars, Vision, Impact, Advantages
• Pradhan Mantri Schools for Rising India (PM-SHRI)
• Interest Equalisation Scheme, Objective, Features, Eligibility
• Mahatma Gandhi National Rural Employment Guarantee Scheme
• Digital Bharat Nidhi, Boost to Rural Telecom Connectivity
• Global Initiative on Digital Health (GIDH)
• Great Nicobar Project, Components and Legal Challenges
• Digital Agri Mission, Key Components, Benefits and Significance
• Agnipath Scheme, Objectives, Eligibility, Qualification and Salary
• Pradhan Mantri Kisan Samman Nidhi (PM KISAN)

Latest Government Schemes in India

Important Government Schemes in Detail

Several programs are launched by central ministries on behalf of the Indian government to promote the social and economic well-being of the nation. For the majority of government employment exams, such as the UPSC Civil Services Exam, it is one of the most crucial areas of preparation.

• Pradhan Mantri Awas Yojana (PMAY) By 2022, the Government of India hopes to offer urban residents affordable housing through the Pradhanmantri Awas Yojana. The program debuted for the first time on June 25, 2015. For up to 20 years, the Pradhanmantri Always Yojana offers interest rates starting at 6.5 per cent annually. Pradhanmantri Awas Yojana scheme eligibility for EWS and LIG categories has been extended through March 31, 2022.
• Pradhan Mantri Garib Kalyan Anna Yojana Garib Pradhanmantri Kalyan The Anya Yojana, the prime minister’s program for the poor’s food security, was introduced on March 26, 2020, during the Covid-19 in India. Each ration card holder will receive 5 kilograms of rice or wheat and 1 kg of dal as part of the Pradhanmantri Garib Kalyan and Yojana program. It is the world’s biggest programme for food security. The scheme initially covered 80 crore ration cards for 3 months in 2020. The Pradhan Mantri Garib Kalyan Anna Yojana’s extension for an additional four months has been authorized by the union cabinet for 2022.
• Meri Policy Mere Hath The Pradhan Mantri Fasal Bima Yojana was used to introduce it. Farmers who participate in the drive will receive crop insurance for upcoming seasons at their doorsteps. The policy makes certain that farming communities are well-informed and resourced. The Pradhan Mantri Fasal Bima Yojana will provide the funding, and farmers who have experienced crop loss or damage will receive financial assistance. Six years have passed since Prime Minister Narendra Modi launched the Pradhan Mantri Fasal Bima Yojana in Sehore, Madhya Pradesh, on February 18, 2016.
• Rashtriya Uchchatar Shiksha Abhiyan The qualifying state higher education institution receives strategic funding from RUSA. The Central Ministry provides the financing, which then goes to the State Governments and State Higher Education Institutions. It seeks to improve efficiency and access to excellence at a higher level in the state higher education system through responsiveness, accountability, and openness.
• Support for marginal individuals for livelihood and enterprise (SMILE) The program has a strong emphasis on recovery, medical facility provision, counselling, fundamental documentation, skill development, economic linkage, etc. The plan was developed by the Ministry of Social Justice and Empowerment, and it is carried out with the assistance of the State and Union Territory administrations, community-based groups, local urban bodies, nongovernmental organizations, institutes, and others.
• Jal Jeevan Yojana By 2022, the Jal Jeevan mission hopes to have connected four crore rural families to the public water system. The Jal Jeevan Mission goal of achieving community involvement and technology service delivery by 2024 was emphasized by the prime minister in a recent webinar. The Jal Jeevan mission will receive 60,000 crores of rupees from the union budget in 2022.
• Jalshakti Abhiyan  The program was introduced on March 22, 2021. From 29 March 2022 to 30 November 2022, the Jal Shakti Abhiyan campaign launched a new program called Catch the rain.
• Ayushman Bharat Yojana The Pradhan Mantri Jan Arogya Yojana, popularly known as the Ayushman Bharat Yojana, was introduced in 2018. It intends to give over 10 crore vulnerable people who lack access to high-quality healthcare health insurance coverage of up to Rs. 5 lakh per family per year. One of the biggest healthcare systems in the world, the plan includes both primary and secondary healthcare services.
• Pradhan Mantri Kisan Samman Nidhi Yojana To help farmers with their income, the Pradhan Mantri Kisan Samman Nidhi Yojana (PM-KISAN) was introduced in 2019. Amounts are paid to qualifying farmers in three equal instalments of Rs. 2,000 each, or Rs. 6,000 per year, directly into their bank accounts. The program attempts to provide farmers with a basic wage and lessen their financial hardship.
• Swachh Bharat Abhiyan To promote cleanliness and sanitation throughout the nation, the Swachh Bharat Abhiyan was introduced in 2014. The program’s objectives are to end open defecation, encourage waste management, and enhance general cleanliness. The program has been a success in accomplishing its goals, and India has made great strides in enhancing its sanitation system.
• Solar Charkha Scheme In June 2018, the Solar Charkha Scheme was announced by the Ministry of Micro, Small, and Medium Enterprises. A program for economic development called the Solar Charkha Mission seeks to create “solar charkha clusters” with 200 to 2042 beneficiaries (spinners, weavers, seamstresses, and other skilled artisans).
• Pradhan Mantri Matsya Sampada Yojana (PMMSY) This scheme was launched on September 10, 2020, by Prime Minister Modi to concentrate on the long-term development of India’s fisheries industry. Over five years, from FY 2020–21 to FY 2024–25, the scheme will be implemented in all Indian states and union territories for Rs 20,050 crores. It aims to enhance fish output in India by 70 lakh tonnes by the financial year 2024–2025 and boost export revenues from fisheries to Rs. 100,000 crore.
• Public Wi-Fi Access Network Interface (PM-WANI) The Union Cabinet approved the PM WI-FI Access Network Interface (PM-WANI) Scheme on December 9, 2020, to revolutionize technology and vastly enhance wireless access throughout the nation. Among other things, it will increase the “Ease of Living” and “Ease of Doing Business.”
• Sansad Adarsh Gram Yojana On October 11, 2014, the Ministry of Rural Development unveiled it. This project aimed to ensure that the chosen village’s development was integrated across several sectors, including agriculture, health, education, sanitation, the environment, and livelihood. On the occasion of Jayprakash Narayan’s birth, this plan was developed to foster social and cultural advancement. MPs must select one hamlet with a population of 3000–4000 in the plains and 1000–3000 in the hills within a month of the launch.
• Mission Karmyogi The program was officially launched on September 20, 2020, by the Ministry of Personnel, Public Grievances, and Pensions. The National Programme for Civil Services Capacity Building (NPCSCB) is known by the moniker Mission Karmyogi. The mission’s objective is to strengthen civil service capacities to improve governance.
• VAN DHAN Yojana By order of the Ministry of Tribal Affairs, it was launched in 2018. The program’s objective is to aid tribal members who participate in the collection of Minor Food Produces (MFPs) in achieving economic development by helping them make the best use of available resources and by giving them a stable source of income. It will establish 10 Self Help Groups with a total of 30 tribal hunters.

State Government Schemes

• Vajpayee Arogyasri Yojana
• Shaadi Bhagya scheme

Madhya Pradesh

• Bhavantar Bhugtan Yojana
• Deen Dayal Antyoday Upchar Yojna
• Deen Dayal Mobile Health Clinic
• Ladli Laxmi Yojana
• Madhya Pradesh Rural Livelihoods Project
• Mukhya Mantri Yuva Swarozgar Yojana

Maharashtra

• Jalyukt Shivar Abhiyan
• Maharashtra Arthik Vikas Mahamandal
• Mahatma Jyotiba Phule Jan Arogya Yojana
• Aarogya Lakshmi scheme
• Aasara pension
• Amma Odi & KCR Kit
• Double Bedroom Housing scheme
• Kalyana Lakshmi – Shaadi Mubarak
• Mission Bhagiratha
• Rythu Bandhu scheme
• Telangana Ku Haritha Hāram
• Telangana Sheep Distribution scheme
• 2 Rupees Kg Rice
• Amma Unavagam
• Samathuvapuram
• Uzhavar Santhai

West Bengal

• Kanyashree Prakalpa

Uttar Pradesh

• Kamdhenu Yojna
• Free laptop distribution scheme

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Schemes of Indian Government FAQs

What are the best government schemes in india.

• Sukanya Samriddhi Yojana (SSY) • National Pension Scheme (NPS) • Public Provident Fund (PPF) • National Savings Certificate (NSC) • Atal Pension Yojana (APY) • Pradhan Mantri Jan Dhan Yojana (PMJDY) • PMVVY or Prime Minister Vaya Vandana Yojana • Sovereign Gold Bonds.

What Are Key schemes?

Public key schemes are built on public key cryptography. Keys are constructed in pairs, with a private key and a public key in each pair. Private keys are kept secret by the owners. Public keys are distributed and used to authenticate nodes and to verify credentials.

What are the different schemes in India?

There are various schemes in India launched by the government of India which includes the health, education, agriculture, water, development, mother care, urban, financial, transport, housing, pension, and skill development sectors.

Which scheme started in 2000?

Annapurna scheme was launched in 2000. Under the scheme, 10 kg of food grains were given to a senior citizen who has no family support per month free of cost.

What is Viksit Bharat by 2047?

A vision to transform India into a developed nation by 2047, focusing on economic, environmental, governance, and social progress.

What are the key features of the Rooftop Solarisation Scheme?

Provides 300 units of free electricity per month to 1 crore households through rooftop solar installations, resulting in significant annual savings and promoting green energy.

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Government Schemes for Quick Revision – Download The e-book Compilation (PDF) based on Flash Cards

Last updated on September 25, 2023 by ClearIAS Team

If yes, don’t worry; ClearIAS has come with a solution to quickly learn and revise the government schemes.

Table of Contents

A flash-card e-book (PDF) released!

A flash card is a card which contains a small amount of information as an aid to learning. What if an ebook is created out of flash cards?

Yes, we have compiled an e-book in PDF form “ Government Schemes for Quick Revision ” with data from various government websites.

This book will help you to learn not only government schemes but also the main points of the latest union budget and economic survey!

Download the ebook “Government Schemes for Quick Revision” as PDF

• Click to download the e-book “Government Schemes for Quick Revision ” in PDF form.
• The price of the e-book is Rs.99.

What is the peculiarity of the book “Government Schemes for Quick Revision”?

The unique feature of this book is that information is added in the form of pictorial slides, which makes reading easy.

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Government Schemes for Quick Revision – Useful for Prelims, Mains, and Interview: 2nd Edition

• Almost all details are collected and compiled from various government websites. Hence the data is authoritative.
• There are about 856 slides (pages) in the ebook, but as each slide has only the most essential data as in a flash card, this can be easily revised (say, in less than 3-4 hours).
• The book is really useful for both Prelims (you may expect at least 5-10 questions) and Mains (the data in this book can add a lot of value to your mains answers).
• Apart from learning schemes , the book will also help you to understand the governance aspects, the performance issues, union budget, economic survey, trends connected with GDP, CAD, FD, Tax/GDP ratio etc.
• We have added the list of the core of the core schemes, core schemes, and central sector schemes.
• The book also helps to cover important points from the latest Union Budget and Economic Survey.
• We compiled the details into an e-book format so that it would be easy for our readers for last-minute revision. We hope you all take the best out of it. All the best!

See the sample:

[slideshare id=98440340&doc=government-schemes-compilation-2018-part-1-180524103400]

Download Link: Click to buy the full version of the book “Government Schemes for Quick Revision” (PDF) from ClearIAS Store !

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Reader Interactions

May 24, 2018 at 9:04 pm

Dear sir, who are already the part of clearias prelims test series 2018, they should be given this ebook pdf for free.

May 24, 2018 at 9:11 pm

Hi Salman, we shall surely take your feedback into consideration. All subscribers of ClearIAS Prelims Test Series 2018 will get the full version of the eBook (PDF) for FREE. Instructions for the getting subscriber discount are emailed to your registered email id.

PS: If you have already bought the e-book, drop an email to contactus[at]cleariasexam.com with the subject-line “Subscriber-Discount on E-Book”. Mention your username of ClearIAS Prelims Test Series 2018. Once verifying the details of the payment, we will immediately issue the refund of the amount paid for the ebook “Government Schemes for Quick Revision” (PDF). All the best for exams!

May 24, 2018 at 9:12 pm

Sir I want to start UPSC preparation for 2020.Please help me.

May 26, 2018 at 7:52 pm

Appreciate your interest in Civil Services (IAS/IPS/IFS…).

To get an early advantage you need be focussed and determined.

Please go through the below links, to get the right guidance.

1. IAS books 2. Guidance 3. Mock Exams 4. ClearIAS App 5. UPSC Exam syllabus 6. Free Study Materials 7. Free downloads

Thanks and regards, ClearIAS Team

May 24, 2018 at 9:16 pm

compilation is good and keenly worked at. But there is no summary of the contents, its simply a copy paste of powerpoint slides. if i need to know which scheme lies where i have to scroll down and check every page. The construction is best suited as power point file not as a pdf book.

May 25, 2018 at 9:15 am

Thank you for the positive feedback. Our revised 2nd edition now includes the list of all schemes in the beginning. We have also added more details of the schemes mentioned in the latest union budget and economic survey. All the best for the exam!

January 31, 2019 at 9:45 pm

Will there be a new edition coming for 2019 Prelims as Economic Survey and Budget will be updated for 2019?

March 11, 2019 at 4:04 pm

Is it relevant for UPSC 2019 ?

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Government Schemes and Programs for UPSC Prelims 2024

On this page, you can read all the government schemes and programs in news, which are important for UPSC IAS Prelims and Mains Examination.

List of Government Schemes and Programs for UPSC Prelims

Unified pension scheme (ups).

Source – This post on Unified Pension Scheme (UPS) has been created based on the article “Centre announces Unified Pension Scheme” published in “Indian Express” on 26th August 2024. Why in News? The Union Cabinet introduced the Unified Pension Scheme (UPS) which will be effective from April 1, 2025. This new scheme combines the best… Continue reading Unified Pension Scheme (UPS)

Seaplane Operations Guidelines

Source-This post on Seaplane Operations Guidelines has been created based on the article “Centre announces simplified norms for seaplane operations” published in “The Hindu” on 23 August 2024. Why in the news? The Union Minister for Civil Aviation has introduced new guidelines for seaplane operations in India, aiming to improve connectivity, boost tourism, and drive… Continue reading Seaplane Operations Guidelines

Bhavishya Software

Source- This post on Bhavishya Software has been created based on the article “BHAVISHYA – Promoting Digital Empowerment and Ease of Living for Pensioners” published in “PIB” on 17 August 2024. Why in News? Recently, the DOPPW has introduced an innovative centralized pension processing software called ‘Bhavishya’ for all central government Ministries/Departments. About Bhavishya 1. About:… Continue reading Bhavishya Software

Green Tug Transition Program (GTTP)

Source- This post on Green Tug Transition Program (GTTP) has been created based on the article “Greening in India gets a boost with Green Tug Transition Program (GTTP) SOP launched by Shri Sarbananda Sonowal” published in “PIB” on 17 August 2024. Why in News? Recently, the Union Minister of Port Shipping and Waterways officially launched… Continue reading Green Tug Transition Program (GTTP)

Unique Land Parcel Identification Number (ULPIN) and land related reform

Source- This post on Unique Land Parcel Identification Number (ULPIN) and land related reform has been created based on the article “Centre’s guidelines for special assistance to states finalised, Rs 10,000 crore for land reforms” published in “Indian Express” on 16 August 2024. Why in News? The Centre has allocated ₹10,000 crore in incentives to… Continue reading Unique Land Parcel Identification Number (ULPIN) and land related reform

AI-Based National Pest Surveillance System (NPSS)

Source- This post on AI-Based National Pest Surveillance System (NPSS) has been created based on the article “New AI platform will connect farmers and scientists over phone, aid in pest control” published in “Times of India” on 14 August 2024. Why in News? Recently, an AI-based National Pest Surveillance System (NPSS) was launched by the Union… Continue reading AI-Based National Pest Surveillance System (NPSS)

Model Solar Village Component of PM Surya Yojana

Source- This post has been created based on the article “Government of India issues Operational Guidelines for Implementation of ‘Model Solar Village’ under PM-Surya Ghar: Muft Bijli Yojana” published in “PIB” on 14 August 2024. Why in News? The Ministry of New and Renewable Energy recently notified the Scheme Guidelines for implementing the ‘Model Solar… Continue reading Model Solar Village Component of PM Surya Yojana

Modified Pradhan Mantri JI-VAN Yojana

Source- This post on Modified Pradhan Mantri JI-VAN Yojana has been created based on the article “Cabinet approves Amendment in “Pradhan Mantri JI-VAN Yojana” for providing financial support to Advanced Biofuel Projects using lignocellulosic biomass and other renewable feedstock” published in “PIB” on 10 August 2024. Why in News? The Union Cabinet has approved modifications to… Continue reading Modified Pradhan Mantri JI-VAN Yojana

Clean Plant Programme (CPP)

Source- This post on Clean Plant Programme (CPP)  has been created based on the article “Cabinet approves the Clean Plant Programme under Mission for Integrated Development of Horticulture” published in “PIB” on 10 August 2024. Why in News? The Union Cabinet recently approved the Clean Plant Programme (CPP) proposed by the Ministry of Agriculture and… Continue reading Clean Plant Programme (CPP)

Government Initiatives for Adoption of Green Steel Technologies

Source- This post on Government Initiatives for Adoption of Green Steel Technologies has been created based on the article “ADOPTION OF GREEN STEEL TECHNOLOGIES” published in “PIB” on 10 August 2024. Why in News? The Government has implemented several measures to encourage the adoption of green steel technologies within the steel manufacturing sector. These initiatives focus… Continue reading Government Initiatives for Adoption of Green Steel Technologies

Nandini Sahakar Scheme

Source- This post on Nandini Sahakar Scheme has been created based on the article “Nandini Sahakar Yojana” published in “PIB” on 8 August 2024. Why in News? The National Cooperative Development Corporation has recently launched the Nandini Sahakar Scheme to support women entrepreneurs. About Nandini Sahakar Scheme Aspects  Description About The Nandini Sahakar Yojana is a… Continue reading Nandini Sahakar Scheme

First STI Conclave on “Traditional Knowledge for Sustainable Livelihoods”

Source- This post on the First STI Conclave on “Traditional Knowledge for Sustainable Livelihoods” has been created based on the article “First STI Conclave on “Traditional Knowledge for Sustainable Livelihoods” organised jointly by ISTIC-UNESCO and CSIR” published in “PIB” on 31 July 2024. Why in the news? ISTIC under UNESCO, along with CSIR-TKDL and CSIR-IICT,… Continue reading First STI Conclave on “Traditional Knowledge for Sustainable Livelihoods”

PARAKH ‘equivalence’ report

Source- This post on the PARAKH ‘equivalence’ report has been created based on the article “Explained: The recommendations for equivalence across India’s 69 school boards” published in “Indian Express” on 31 July 2024. Why in the news? In accordance with the National Education Policy (NEP) 2020, PARAKH has presented an ‘equivalence’ report to the Ministry… Continue reading PARAKH ‘equivalence’ report

One DAE One Subscription

Source- This post on the One DAE One Subscription has been created based on the article “Department of Atomic Energy inaugurates ‘One DAE One Subscription’” published in “PIB” on 30 July 2024. Why in the news? Recently, Department of Atomic Energy Launches ‘One DAE One Subscription’ (ODOS). About One DAE One Subscription 1. About: The… Continue reading One DAE One Subscription

NCERT Proposes 10 ‘Bagless Days’ for Students

Source- This post on the NCERT Proposes 10 ‘Bagless Days’ for Students has been created based on the article “NCERT proposes 10 ‘bagless days’ a year for students from Classes 6 to 8” published in “The Hindu” on 30 July 2024. Why in the news? The National Council of Educational Research and Training (NCERT) has… Continue reading NCERT Proposes 10 ‘Bagless Days’ for Students

Revamped Model Skill Loan Scheme

Source- This post on the Revamped Model Skill Loan Scheme has been created based on the article “Minister launches revamped Model Skill Loan Scheme” published in “The Hindu” on 26 July 2024. Why in the news? The revamped Model Skill Loan scheme was launched recently with Finance Minister Nirmala Sitharaman announcing the revision in her… Continue reading Revamped Model Skill Loan Scheme

Employment-Linked Incentive Schemes

Source- This post on the Employment-Linked Incentive Schemes has been created based on the article “Five new schemes to aid job creation” published in “The Hindu” on 24 July 2024. Why in the news? The Union Budget allocates ₹2 lakh crore for employment and skilling schemes. About Employment-Linked Incentive Schemes 1. The Centre will implement… Continue reading Employment-Linked Incentive Schemes

Vatsalya Scheme

Source-This post on Vatsalya Scheme has been created based on the article “NEW PENSION SCHEME ‘VATSALYA’ ANNOUNCED FOR MINORS; CONTRIBUTION BY PARENTS AND GUARDIANS” published in “PIB” on 24 July 2024. Why in the news? In the recent Union Budget 2024-25, the Finance & Corporate Affairs Minister introduced a new pension scheme named ‘Vatsalya’ for… Continue reading Vatsalya Scheme

Electric Mobility Promotion Scheme

Source-This post on Electric Mobility Promotion Scheme has been created based on the article “Electric Mobility Promotion Scheme (EMPS), 2024” published in “PIB” on 24 July 2024. Why in the news? The Ministry of Heavy Industries has launched the Electric Mobility Promotion Scheme (EMPS) – 2024. Its duration is 4 months i.e. April 01, 2024 till… Continue reading Electric Mobility Promotion Scheme

Pradhan Mantri Janjatiya Unnat Gram Abhiyan

Source-This post on Pradhan Mantri Janjatiya Unnat Gram Abhiyan has been created based on the article “Union Budget 2024: In govt outreach to tribals, a new scheme for development of 63,000 villages” published in “The Indian Express” on 24 July 2024. Why in the news? The government will launch the Pradhan Mantri Janjatiya Unnat Gram… Continue reading Pradhan Mantri Janjatiya Unnat Gram Abhiyan

The Voicebox” Program 

Source- This post on the The Voicebox” Program has been created based on the article “NFDC and Netflix Partner to Launch “The Voicebox” – an Upskilling Program for Voice-over Artists in India” published in “The Hindu” on 20 July 2024. Why in the news? The National Film Development Corporation (NFDC) and Netflix India have collaborated… Continue reading The Voicebox” Program 

Valorization of Dredged Sediments

Source-This post on Valorization of Dredged Sediments has been created based on the article “MoPSW Approves Research Proposal on “Valorization of Dredged Sediments” published in “PIB” on 15 July 2024. Why in the news? The Ministry of Ports, Shipping, and Waterways has recently approved a research project on Valorization of Dredged Sediments, funded at ₹46,47,380.… Continue reading Valorization of Dredged Sediments

NITI GearShift Challenge

Source-This post on NITI GearShift Challenge has been created based on the article “NITI Aayog Unveils GearShift Challenge to Accelerate Zero-Emission Truck Adoption in India” published in “PIB” on 15 July 2024. Why in the news? NITI Aayog, along with IIM Bangalore, Smart Freight Centre India, CALSTART/Drive to Zero, and WRI India, has launched the… Continue reading NITI GearShift Challenge

GRSE Accelerated Innovation Nurturing Scheme (GAINS 2024)

Source- This post on the GRSE Accelerated Innovation Nurturing Scheme (GAINS 2024) has been created based on the article “Raksha Rajya Mantri Shri Sanjay Seth launches GRSE Accelerated Innovation Nurturing Scheme (GAINS 2024)” published in “PIB” on 12 July 2024. Why in the news? Recently, Raksha Rajya Mantri Shri Sanjay Seth launched “GRSE Accelerated Innovation… Continue reading GRSE Accelerated Innovation Nurturing Scheme (GAINS 2024)

Integrated Tribal Development Programme

Source- This post on the Integrated Tribal Development Programme has been created based on the article “NABARD to launch integrated tribal development programme in Kulathupuzha” published in “The Hindu” on 10 July 2024. Why in the news? The Integrated Tribal Development Programme is a key initiative by NABARD (National Bank for Agriculture and Rural Development)… Continue reading Integrated Tribal Development Programme

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Home » Social Justice » Issues related to Rural Development » Government Schemes for Rural Development in India

Government Schemes for Rural Development in India

Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) 2005 :

• The scheme was introduced as a social measure that  guarantees “the right to work”.
• The Ministry of Rural Development monitors the entire implementation of this scheme in association with state governments.
• It is the Gram Sabha and the Gram Panchayat which approves the shelf of works under MGNREGA and fixes their priority.
• Social Audit of MGNREGA works is mandatory, which leads to accountability and transparency.
• For the financial year 2021-22, 2.95 crore persons have been offered work, thus, completing 5.98 lakh assets and generating 34.56 crore person-days.

Deen Dayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM):

• It is a centrally sponsored programme, launched by the Ministry of Rural Development in June 2011.
• To eliminate rural poverty through the promotion of multiple livelihoods and improved access to financial services for the rural poor households across the country.
• Revolving Fund and Community Investment Fund amounting to approximately Rs. 56 Crore released to women SHGs in FY 2021 as compared to approximately Rs. 32 Crore in the same corresponding period in FY 2020.
• Training on farm and non-Farm based livelihoods, on covid management and promotion of Agri-Nutri gardens.

Pradhan Mantri Gram Sadak Yojana (PMGSY):

• To provide connectivity, by way of an all-weather road to unconnected habitations.
• Unconnected habitations of designated population size (500+ in plain areas and 250+ in North-Eastern States, Himalayan States, Deserts and Tribal Areas as per 2001 census) in the core network for uplifting the socio-economic condition of the rural population.
• Highest length of road has been completed under PMGSY in the comparable period over the last 3 years.

Pradhan Mantri Awas Yojana – Gramin:

• To achieve the objective of “Housing for All” by 2022, the erstwhile rural housing scheme Indira Awaas Yojana (IAY) was restructured to Pradhan Mantri Awaas Yojana-Gramin (PMAY-G) w.e.f 1st April, 2016.
• To help rural people below the poverty line (BPL) in construction of dwelling units and upgradation of existing unserviceable kutcha houses by providing assistance in the form of a full grant.
• People belonging to SCs/STs, freed bonded labourers and non-SC/ST categories, widows or next-of-kin of defence personnel killed in action, ex servicemen and retired members of the paramilitary forces, Disabled persons and Minorities.
• Beneficiaries are chosen according to data taken from the Socio-Economic Caste Census (SECC) of 2011.
• Highest expenditure amounting to Rs. 5854 Cr in FY 2021-22; double than the FY 2020-21 in the comparable period.

Pradhan Mantri Adarsh Gram Yojana (PMAGY):

• a Government of India initiative for the empowerment of deprived sections, aims to achieve integrated development of selected villages through convergent implementation of all relevant Central and State schemes..

Saansad Adarsh Gram Yojana (SAGY) :

• It is a village development project launched by Government of India in October 2014, under which each Member of Parliament will take the responsibility of developing physical and institutional infrastructure in three villages by 2019.
• The Saansad Adarsh Gram Yojana (SAANJHI) was launched on on 11th October, 2014.
• The goal is to develop three Adarsh Grams by March 2019, of which one would be achieved by 2016. Thereafter, five such Adarsh Grams (one per year) will be selected and developed by 2024.

National Rurban Mission (NRuM) :

• The Shyama Prasad Mukherji Rurban Mission (SPMRM) aims at developing such rural areas by provisioning of economic, social and physical infrastructure facilities.
• The Mission aims at development of 300 Rurban clusters, in the next five years.
• The National Rurban Mission (NRuM) follows the vision of “Development of a cluster of villages that preserve and nurture the essence of rural community life with focus on equity and inclusiveness without compromising with the facilities perceived to be essentially urban in nature, thus creating a cluster of “Rurban Villages”.
• The objective of the National Rurban Mission (NRuM) is to stimulate local economic development, enhance basic services, and create well planned Rurban clusters.

The National Social Assistance Programme (NSAP)

• Itis a welfare programme being administered by the Ministry of Rural Development.
• This programme is being implemented in rural areas as well as urban areas.
• NSAP represents a significant step towards the fulfilment of the Directive Principles of State Policy enshrined in the Constitution of India which enjoin upon the State to undertake within its means a number of welfare measures.
• These are intended to secure for the citizens adequate means of livelihood, raise the standard of living, improve public health, provide free and compulsory education for children etc.
• In particular, Article 41 of the Constitution of India 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.

Mission Antyodaya: 

• It seeks to converge government interventions with Gram Panchayats as the basic unit for planning by following a saturation approach by pooling resources – human and financial – to ensure sustainable livelihoods.

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Swachh Bharat Abhiyan Essay

Latest Update about Swachh Bharat Abhiyan – The Finance Ministry announced in February 2021 that Swachh Bharat Mission (Urban) 2.0 will be launched under the “Health and Wellbeing” vertical. The SBM-U phase-II will have a new component of wastewater treatment, including faecal sludge management in all Urban Local Bodies (ULBs) with less than 1 lakh population.

The Swachh Bharat Abhiyan Essay given below will be helpful for IAS Exam aspirants.

What is Swachh Bharat Abhiyan?

Swachh Bharat Abhiyan is one of the most popular and significant missions in the History of India. This campaign was introduced by the Prime Minister, Narendra Modi, and was launched on 2nd October 2014 to honour Mahatma Gandhi’s vision of a Clean country.

Note: Prime Minister of India Narendra Modi received the award of “Global Goalkeeper” from the Gates Foundation for the initiative of Swachh Bharat Abhiyan on September 25, 2019, in New York.

Initially, this Swachh Bharat Abhiyan campaign was run on a national level in all the towns, rural and urban areas.

This essay on Swachh Bharat Abhiyan gives relevant details on the Swachh Bharat Abhiyan campaign and would be helpful for candidates for various exams like bank exams and government exams .

Do you know about the campaigns under Swachh Bharat Mission?  These are:

• ‘Plastic se Raksha’
• ‘Swachhta Pakhwada’
• ‘Swachhta Shramdaan’
• ‘Swachhta hee Seva’

Swachh Bharat Mission (Urban) 2.0

The government in the Union Budget 2021 allocated Rs 1,41,678 crores for the Swachh Bharat Mission (U) 2.0. The components of SBM-Urban 2.0 are:

• New component – Wastewater treatment, including faecal sludge management in all ULBs with less than 1 lakh population
• Sustainable sanitation (construction of toilets)
• Solid Waste Management
• Information, Education and Communication, and
• Capacity building

Check the current year Union Budget 2024 .

Achievements expected out of SBM-Urban 2.0:

• ODF+ certification to all statutory towns.
• ODF++ certification to all statutory towns with less than 1 lakh population.
• Water+ certification to half of all the statutory towns with less than 1 lakh population.
• Rating of at least 3-star Garbage Free to all statutory towns as per Ministry of Housing and Urban Affairs (MoHUA’s) Star Rating Protocol for Garbage Free cities.
• Bio-remediation of all legacy dumpsites.

Swachh Bharat Abhiyan Objective

The major objective of the Swachh Bharat Abhiyan is to spread the awareness of cleanliness and the importance of it.

The concept of Swachh Bharat Abhiyan is to provide basic sanitation facilities like toilets, solid and liquid waste disposal systems, village cleanliness, and safe and adequate drinking water supply to every person.

You may also read about Swachh Survekshan  in the linked article.

Swachh Bharat Abhiyan Action Plan

The action plan for the Swachh Bharat Abhiyan is laid by the Ministry of Drinking Water and Sanitation. The vision is to triple the facility of sanitation by 2019. The major change to be implemented is in the Making of an Open Defecation Free(ODF) India.

Action Plan Highlights:

• Improve the growth percentage of toilets from 3% to 10% by 2019
• Increase in the construction of toilets from 14000 to 48000 daily
• Launch of a National Level/State Level Media campaign through audio-visual, mobile telephony, and local programmes to communicate the message of awareness.
• Involvement of school children in the activities for spreading awareness on Water, Sanitation, and Hygiene.

Swachh Bharat Mission (Urban) 1.0

• Coming to Swachh Bharat Mission (Urban), it is under the Ministry of Urban Development and is commissioned to give sanitation and household toilet facilities in all 4041 statutory towns with a combined population of 377 million.
• The estimated cost is Rs 62,009 crore over five years with the centre’s share of assistance being Rs 14,623 crore.
• The Mission hopes to cover 1.04 crore households, give 2.5 lakh community toilet seats, 2.6 lakh public toilet seats
• It also proposes to establish solid waste management facilities in every town.

At the core of this mission lie six components:

• Individual household toilets;
• Community toilets;
• Public toilets;
• Municipal Solid Waste Management;
• Information and Education Communication (IEC) and Public Awareness;
• Capacity Building
• The Urban Clean India mission seeks to eradicate open defecation; convert insanitary toilets to flush toilets; eradicate manual scavenging, and facilitate solid waste management.
• The mission emphasizes on ushering in a behavioral change among people, for healthy sanitation practices, by educating them about the damaging effects of open defecation, the environmental dangers spreading from strewn garbage, and so on.
• To achieve these objectives, urban local bodies are being brought in and fortified to design, implement and operate systems to promote a facilitating environment for the participation of the private sector in terms of both capital and operations expenditure.

Aspirant can check previous years’ UPSC question papers at the linked article.

Swachh Bharat Mission (Rural)

• The Rural mission, known as Swachh Bharat Gramin, aims to make Village Panchayats open defecation free by October 2, 2019.
• Removing obstacles and addressing critical issues that affect results is the new thrust of this rural sanitation mission, which aims to provide all rural households with individual latrines; and build cluster and community toilets on public-private partnership mode.
• Considering the filth and unhygienic conditions in village schools, this programme lays special emphasis on toilets in schools with basic sanitation amenities.
• Construction of Anganwadi toilets and management of solid and liquid waste in all Village Panchayats is the object of the Clean India mission.

Ranking of cities

Every year, cities and towns across India are awarded the title of ‘Swachh Cities’ based on their cleanliness and sanitation drive as a part of the Swachh Bharat Abhiyan that was launched in 2014.

• Indore in Madhya Pradesh is India’s cleanest city and Gonda in Uttar Pradesh the filthiest
• Out of 10 cleanest cities, 2 are from Madhya Pradesh, Gujarat and Andhra Pradesh each while Karnataka, Tamil Nadu, Delhi and Maharashtra each have one
• Out of 10 dirtiest cities, Uttar Pradesh has 5 cities, 2 each from Bihar and Punjab and one of Maharashtra
• 118 out of 500 cities were found to be Open Defecation Free (ODF)
• 297 cities have 100% door to door collection of garbage
• 37 lakh citizens showed interest in Swachh Surveksan
• There are 404 cities where 75% of residential areas were found substantially clean
• Gujarat has a maximum of 12 cities among the top 50 cleanest, followed by Madhya Pradesh with 11 and Andhra Pradesh with eight

According to the survey among top 50 clean cities:

• Gujarat has a maximum of 12 cities followed by
• Madhya Pradesh with 11 and
• 8 in Andhra Pradesh
• Telangana and Tamil Nadu account for 4 cities each followed by
• Maharashtra with 3 cities

Note: The 2021 ranks are yet to be out. It will be released post the complete of Swachh Survekshan 2021 (1st February – 15th February 2021.)

 Swachh Bharat Abhiyan Essay- Conclusion

This essay on Swachh Bharat Abhiyan throws light on some important aspects given below:

• Sanitation needs to be seen as a life cycle issue and hence providing sanitation facilities at work, education and other public spaces are important.
• This requires investing in the right place at the right time and in the most appropriate manner. Time is running out and the Mahatma’s 150th birth anniversary is not far away.
• The SBM should not become yet another government scheme that makes the right noises initially only to die a quiet death once the spotlight moves away.
• SBM is definitely with great goals and objectives, the issues associated with finance, implementation & awareness needs to be tackled in the right manner, every citizen of India should involve themselves and inculcate the behavioural changes to the literates and illiterates towards cleanliness respectively.

SBM – Facts for UPSC

• Under the Swachh Bharat Mission, it has been decided to undertake a special clean-up initiative focused on  100 iconic heritage, spiritual and cultural places  in the country.
• This initiative aims to make these 100 places  model ‘Swachh Tourist Destinations’ , which will enhance the experience for visitors from India and abroad.
• Under Phase 1 of this initiative, the following iconic places were selected for an intensive clean up:
• Vaishno Devi: Jammu and Kashmir
• Chhatrapati Shivaji Terminus: Maharashtra
• TajMahal: Uttar Pradesh
• Tirupati Temple: Andhra Pradesh
• Golden Temple: Punjab
• ManikarnikaGhat: Varanasi, Uttar Pradesh
• Ajmer Sharif Dargah: Rajasthan
• Meenakshi Temple: Tamil Nadu
• Kamakhya Temple: Assam
•  Jagannath Puri: Odisha
• The lessons and experiences from Phase 1 are integrated into the clean-up campaign for the remaining 90 sites.

Note: Aspirants need not remember these places but should have some familiarity concerning their locations and significance.

Swachh Bharat Abhiyan – UPSC Notes:- Download PDF Here

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Maharashtra becomes first state to offer Unified Pension Scheme. How is it different from National Pension Scheme?

The Eknath Shinde-led Maharashtra government is the first state in the country to offer its employees the newly-approved Unified Pension Scheme (UPS). The UPS will provide state employees a fixed pension after retirement, while returns on the National Pension Scheme are linked to the stock market read more

Maharashtra has become the first state to offer its employees the Unified Pension Scheme (UPS).

The move by the Eknath Shinde-led government came a day after the Centre announced the UPS for employees who joined the service after January 1, 2004.

An official said the Maharashtra cabinet has decided that the UPS will take effect from March and will benefit all state government employees.

The decision also comes ahead of the state Assembly polls which are likely to be held at the end of the year.

Union minister Ashwini Vaishnaw said the decision will benefit 23 lakh government employees.

But how is UPS different from National Pension Scheme (NPS) – also known as the New Pension Scheme?

Let’s take a closer look:

What is UPS?

First, let’s briefly examine the UPS.

The UPS will provide Central government employees pension after retirement.

The scheme is set to take effect on April 1, 2025.

As per Indian Express , the UPS gives employees a fixed pension after retirement.

For those who served 25 years, this comes to around half the employee’s average basic pay drawn over the last year before retirement.

This amount would become lower for employees serving fewer years – with a decade as the minimum period of service.

Employees who worked for the Centre for 10 years would get a minimum of Rs 10,000 per month.

If the employee passes away, their family could avail 60 per cent of the pension drawn by him or her.

The UPS also provides for inflation indexation – which takes into account the All India Consumer Price Index for Industrial Workers.

The UPS also gives retiring employees a lumpsum payment when they retire.

This comes to 1/10th of their basic pay plus dearness allowance on retirement for every six months of service completed, as per Indian Express.

Under the UPS, the employee contributes 10 per cent of their basic pay and dearness allowance, while the government contributes 18.5 per cent.

What is NPS?

The NPS, meanwhile was introduced two decades ago, on January 1, 2004, by the then Atal Bihari Vajpayee government, according to News18.

The NPS, which replaced the Old Pension Scheme (OPS), is jointly administered by the Centre and the Pension Fund Regulatory and Development Authority (PFRDA).

It is meant to provide a safety net for government employees after retirement.

The NPS was brought in as a replacement for the OPS – which like the UPS, capped its pension at 50 per cent of the final basic pay.

The OPS, like the UPS, also had dearness relief to account for inflation.

As per India Today, the OPS, like the NPS, also gave employees a lumpsum payment of up to Rs 20 lakh upon retirement.

Employees were not called upon to make a contribution to make a contribution in case of OPS.

Even better for employees, when they passed away, their kin continued to receive their pension.

The basic problem with the OPS is that it was busting the government’s coffers and unsustainable in the long run due to increased life expectancy.

As per Indian Express, the data show how much the Centre and states’ pension outlays have increased over the years.

In 1990-91, that figure was Rs 3,272 crore for the Centre and Rs 3,131 crore for states.

Three decades later, in 2020-2021, the figure was at 1,90,886 crore for the Centre and 3,86,001 crore for states – an increase of 58 and 125 times respectively.

According to News18 , the NPS too offers a pension upon retirement.

However, this is far different than what UPS offers.

According to Financial Express, NPS is also linked to the stock market.

Thus the amount the subscriber gets upon retirement depends on how the stock market does.

The employee under the NPS contributes 10 per cent of the basic salary while the government contributes 14 per cent.

Under NPS, subscribers can withdraw only part of their corpus, while the rest is paid out in monthly installments.

The NPS also has different types of accounts – Tier 1 and Tier 2.

Those who subscribe to Tier 1 accounts can only withdraw their corpus after they retire, while those subscribed to Tier 2 accounts have access to withdraw their funds.

As per India Today, NPS subscribers can also select the amount of risk they are comfortable with.

The choices range from low-risk to extremely aggressive.

Subscribers to the NPS can also avail of tax benefits – up to Rs 1.5 lakh under Section 80 CCD of the Income Tax Act.

They can also claim another Rs 50,000 under Section 80 CCD(1B) over and above the Rs 1.5 lakh, as per Financial Express.

Sixty per cent of the NPS corpus can be withdrawn tax-free at the time of retirement.

The remaining 40 per cent is given back to the subscriber in chunks – which could give a pension of an estimated 35 per cent of their final salary, as per News18.

Government employees who have taken NPS can switch to the UPS, as per India Today .

Unlike UPS and OP, anyone can subscribe to the NPS.

Any citizen of India between the age of 18 and 70 can enroll in the scheme, as per the newspaper.

It is also a portable scheme – that is employees who switch jobs can continue to avail it.

With inputs from agencies

Unified Pension Scheme: Eligibility, Minimum Amount, Key Benefits

Unified pension scheme: the government has launched the unified pension scheme (ups), aimed at benefiting 23 lakh central government employees..

The UPS will directly benefit around 23 lakh Central Government employees (Representational)

The government has launched the Unified Pension Scheme (UPS), aimed at benefiting 23 lakh central government employees. Union Information and Broadcasting Minister Ashwini Vaishnaw announced the launch, stating that the new scheme will be implemented from April 1, 2025. "Some central employees met with the Prime Minister today. They were with the UPS in the meeting," he added.

Unified Pension Scheme: Eligibility

• According to Ashwini Vaishnaw, employees who have completed a minimum of 10 years of service are eligible to receive a pension under the UPS . However, the full benefits of the scheme, including the assured pension, apply to those with at least 25 years of service.
• The scheme is optional for existing employees under the National Pension System (NPS) and those opting for Voluntary Retirement Scheme (VRS) under NPS. Future employees will also have the option to join the UPS. However, once an employee opts into the UPS, the decision is final and cannot be reversed.

UPS: Minimum Pension Amount

Mr Vaishnaw revealed that the UPS guarantees a minimum pension of Rs 10,000 per month for employees who retire after completing at least 10 years of service.

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ALSO READ |  Explained: Differences Between Unified, New And Old Pension Schemes

Key Benefits of the Unified Pension Scheme

• Retirees will receive 50% of their average basic pay over the last 12 months before retirement as a pension. This benefit is available to employees with at least 25 years of service, with proportionate benefits for those with shorter service periods (down to a minimum of 10 years), revealed the Information and Broadcasting Minister.
• The government will increase its contribution to the pension fund from 14% to 18.5%. This increase does not affect the employee's contribution, which remains unchanged.
• Mr Vaishanw stated that in case of a pensioner's death, their family will receive 60% of the pension the retiree was receiving.
• Pensions under the UPS will be indexed to inflation. The Dearness Relief (DR) will be based on the All India Consumer Price Index for Industrial Workers (AICPI-IW), providing protection against rising living costs.
• At the time of superannuation, retirees will receive a lump-sum payment in addition to their gratuity, revealed Ashwini Vaishnaw. This payment will be equivalent to one-tenth of the monthly emoluments (pay + DA) as of the date of superannuation for every six months of completed service. Importantly, this payment will not reduce the amount of assured pension.
• The scheme will also apply to past retirees under the NPS who have already superannuated. These retirees will receive arrears for the past period, with interest calculated at Public Provident Fund (PPF) rates.

Other Details

• The UPS will be implemented by the Central Government, directly benefiting approximately 23 lakh Central Government employees.
• It will be implemented from April 1, 2025.
• The scheme's architecture is designed for adoption by State Governments as well. If fully adopted, the UPS could benefit over 90 lakh government employees currently under the NPS across India.

ALSO READ |  Unified Pension Scheme Explained In 6 Simple Points 

ALSO READ |   "Will Benefit 23 Lakh Employees": Centre Launches Unified Pension Scheme

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A committee led by finance secretary TV Somanathan was set up by the Finance Ministry last year to review the current pension scheme for government employees. All government employees who joined the service after April 1, 2004, come under the purview of the NPS.

Meanwhile, NPS subscribers can chose between the two schemes. It is important to note that UPS offers assured pension to employees who have served for a minimum of 25 years and proportionate or Rs. 10,000 per month minimum pension to employees who have served for a minimum of 10 years. 

Additionally, the new scheme offers Assured Family Pension in case of the death of employee from the next financial year. The Assured Family Pension would be calculated at the rate of 60 per cent of pension of the employee immediately before her or his demise.

According to news agency PTI, the BJP ruled states praised the decision while others demanded revival of the Old Pension Scheme (OPS).

There will be inflation indexation on assured pension, on assured family pension and assured minimum pension under UPS, ANI reported citing an official release. The statement reads, “Dearness Relief based on All India Consumer Price Index for Industrial Workers (AICPI-IW) as in case of service employees.”

In addition to gratuity, there will be lump sum payment at superannuation, according to the official notice.

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2024 verdict forced the Centre’s U-turn on pensions, claims Congress 

Kharge cited the rollbacks of the long-term capital gain/indexation taxes, broadcast bill, and proposal of lateral entry hirings, as well as the government’s decision to revert the waqf bill to a joint committee of parliament, as other examples.

Updated - August 25, 2024 08:11 pm IST

Published - August 25, 2024 02:58 pm IST - New Delhi

Mallikarjun Kharge. File

The “U” in the Unified Pension Scheme (UPS) stands for the U-turn that has been forced on the Narendra Modi government by the people after the Lok Sabha election results, Congress president Mallikarjun Kharge said on Sunday.

However, office-bearers of the party spoke in different voices. Head of Professional Congress, Praveen Chakravarty, welcomed the policy while chairman of Media and Publicity department Pawan Khera called it an “attack” on Dalits, Tribals and Other Backward Classes (OBCs).

Also read | With Unified Pension Scheme, BJP-led government seeks to trip an important Opposition plank

“The ‘U’ in UPS stands for Modi Govt’s U turns! Post June 4, the power of the people has prevailed over the arrogance of power of the Prime Minister,” Mr. Kharge said in a post on X.

He cited the rollbacks of the long-term capital gain/indexation taxes, Broadcast Bill, and proposal of lateral entry hirings, as well as the government’s decision to revert the Waqf Bill to a Joint Committee of Parliament, as other examples of U-turns. “We will keep ensuring accountability and protect 140 Cr Indians from this despotic government!” Mr. Kharge added.

His party colleague and Lok Sabha member Manickam Tagore, in a post on X, said, “Dear Indian Voter, You reduced arrogance from 303 MPs to 240. You’ve shown the true strength of democracy and made the PM rethink his ways.”

“We now have a PM who is weak and can’t work for just a few of his friends. Post June 4, the power of the people has triumphed over the arrogance of power,” Mr. Tagore added.

The new pension announcement, however, was welcomed by the chairman of the All India Professional Congress.

“Pension for govt staff in India is inherently a tax on the majority poor to pay the elite minority. So, OPS [old pension scheme] was reformed to NPS [new pension system] in 2013. But NPS did not assure a minimum amount for retired families. Now, UPS does that. UPS = NPS + Min guarantee. This is prudent & welcome,” Mr. Chakravarty said.

Taking a completely opposite stand, Pawan Khera, chairman of the party’s Media and Publicity department, said the UPS “appears to be an attack on Dalits, Adivasis and Backward Classes”.

Mr. Khera argued that in many States, the maximum age for government jobs for reserved categories is 40 years, and it is 37 years in Union Public Service Commission (UPSC).

“Under this pension scheme, it is mandatory to provide 25 years of service to receive full pension. In such a situation, how will SC/ST/OBC employees be able to avail this facility?” asked Mr. Khera.

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