- Pradhan Mantri Sukanya Samriddhi Yojana (PMSSY)
Launched: 22 January 2015
Main Objective: Secure the future of girl child
Sukanya Samriddhi Yojana is an ambitious small deposit savings scheme for a girl child. Under the scheme, a saving account can be opened in the name of girl child and deposits can be made for 14 years. After the girl reach 18 years of age, she can withdraw 50% of the amount for marriage or higher study purposes.
After the girl completes 21 years of age, the maturity amount can be withdrawn including the interest at rates decided by Government every year.
The investments and returns are exempt from section 80C of Indian income tax act. The maximum investment of Rs. 1.5 Lakh per year can be made while minimum deposit is Rs. 1000/- per year.
In case of more than one girl child, parents can open another account on the different name but only for 2 girl child. Only exception is that the parents have twins and another girl child.
Official Website: http://www.nsiindia.gov.in
- Pradhan Mantri MUDRA Yojana (PMMY)
Launched: 8 April 2015
Main Objective: Financial support for growth of micro enterprises sector.
Pradhan Mantri MUDRA (Micro Units Development and Refinance Agency) Yojana was launched with the purpose to provide funding to the non-corporate small business sector. Pradhan Mantri Mudra Yojana (PMMY) is open and is available from all Bank branches across the country.
The small businesses/startups or entrepreneurs can avail loans from Rs. 50 thousand to 10 Lakh to start/grow their business under the three, Shishu, Kishore and Tarun categories of the scheme.
As per the official website of PMMY, 27344053 number of loans have been sanctioned under the scheme till 26 February 2016. The amount sanctioned has reached more than Rs. 1 Lakh Crore.
Official Website: http://www.mudra.org.in
- Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Launched: 9 May 2015
Main Objective: Provide life insurance cover to all Indian citizens
Pradhan Mantri Jeevan Jyoti Bima Yojana is a government backed life insurance scheme in India aimed at increasing the penetration of life insurance cover in India. The scheme is open and available to all Indian citizens between the age of 18 to 50 years.
Under the scheme, the policy holder can get a life insurance cover of Rs. 2 Lakh with an annual premium of just Rs. 330 excluding service tax. All the Indian citizens between 18-50 years of age with a saving bank account are eligible to avail the scheme.
Official Website: http://www.jansuraksha.gov.in
- Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Launched: 9 May 2015
Main Objective: Provide accidental insurance cover to all Indian citizens
Pradhan Mantri Suraksha Bima Yojana is also a government backed accident insurance scheme in India aimed at increasing the penetration of accidental insurance cover in India. The scheme is open and available to all Indian citizens between the age of 18 to 70 years.
Under the scheme, the policy holder can get a life insurance cover of Rs. 2 Lakh with an annual premium of just Rs. 12 excluding service tax. All the Indian citizens between 18-70 years of age with a saving bank account are eligible to avail the scheme.
Official Website: http://www.jansuraksha.gov.in
- Atal Pension Yojana (APY)
Launched: 9 May 2015
Main Objective: Increase the number of people covered under any kind of pension scheme.
Atal Pension Yojana is one of the three Jan Suraksha schemes launched by PM Narendra Modi. APY is aimed at increasing the number of pension scheme beneficiaries across the country. The scheme is especially targeted to the private unorganized sector and is open to all Indian citizens between the age of 18 to 40 years.
Under the scheme, the beneficiary have to make contribution for at least 20 years before he/she can get pension after attaining age of 60 years. The scheme provides a monthly pension of Rs 1000 to Rs. 5000 per month based on the contribution amount.
Official Website: http://www.jansuraksha.gov.in
- Pradhan Mantri Awas Yojana (PMAY)
Launched: 25 June 2015
Main Objective: Achieve housing for all by the year 2022, 2 crore in Urban and 3 Crore homes in Rural areas.
Pradhan Mantri Awas Yojana is an ambitious scheme of Narendra Modi Government. Under the PMAY, the government aims to provide about 5 Crore affordable homes to the people belonging to EWS and LIG categories by the year 2022. There is a target of building 2 crore homes in urban area and 3 crore in rural areas across the country.
Under the scheme, the government will provide financial assistance to the poor home buyers, interest subsidy on home loan and direct subsidy on homes bought under the scheme.
Official Website: http://mhupa.gov.in
- Sansad Adarsh Gram Yojana (SAGY)
Launched: 11 October 2014
Main Objective: Social, cultural, economic, infrastructure developments in the villages, i.e. development of model villages called “Adarsh Gram”
Under the Yojana, Members of Parliament (MPs) will be responsible for developing the socio-economic and physical infrastructure of three villages each by 2019, and a total of eight villages each by 2024.
Official Website: http://rural.nic.in
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