[GKmojo] Government Schemes

Ayushman Bharat

On September 23, 2018, the Prime Minister Narendra Modi launched Ayushman
Bharat, world's largest government-funded healthcare scheme in Jharkhand's capital
Ranchi. The Centre's flagship scheme has been renamed as PM Jan Arogya Yojana
(PMJAY). The scheme become operational from September 25 on the birth anniversary
of Pandit Deendayal Upadhyay.

Ayushman Bharat is National Health Protection Scheme, which will cover over 10 crore
poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage
upto 5 lakh rupees per family per year for secondary and tertiary care hospitalization.
Ayushman Bharat - National Health Protection Mission will subsume the on-going
centrally sponsored schemes - Rashtriya Swasthya Bima Yojana (RSBY) and the Senior
Citizen Health Insurance Scheme (SCHIS).

 Ayushman Bharat - National Health Protection Mission will have a defined

benefit cover of Rs. 5 lakh per family per year.
 Benefits of the scheme are portable across the country and a beneficiary covered
under the scheme will be allowed to take cashless benefits from any
public/private empanelled hospitals across the country.
 Ayushman Bharat - National Health Protection Mission will be an entitlement
based scheme with entitlement decided on the basis of deprivation criteria in the
SECC database.
 The beneficiaries can avail benefits in both public and empanelled private
facilities.
 To control costs, the payments for treatment will be done on package rate (to be
defined by the Government in advance) basis.
 One of the core principles of Ayushman Bharat - National Health Protection
Mission is to co-operative federalism and flexibility to states.
 For giving policy directions and fostering coordination between Centre and
States, it is proposed to set up Ayushman Bharat National Health Protection
Mission Council (AB-NHPMC) at apex level Chaired by Union Health and Family
Welfare Minister.
 States would need to have State Health Agency (SHA) to implement the scheme.

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  To ensure that the funds reach SHA on time, the transfer of funds from Central
Government through Ayushman Bharat - National Health Protection Mission to
State Health Agencies may be done through an escrow account directly.
 In partnership with NITI Aayog, a robust, modular, scalable and interoperable IT
platform will be made operational which will entail a paperless, cashless
transaction.

NUMBER OF BENEFICIARIES

Ayushman Bharat - National Health Protection Mission will target about 10.74 crore
poor, deprived rural families and identified occupational category of urban workers'
families as per the latest Socio-Economic Caste Census (SECC) data covering both rural
and urban. The scheme is designed to be dynamic and aspirational and it would take
into account any future changes in the exclusion/ inclusion/ deprivation/ occupational
criteria in the SECC data.

Ekalvya School
Ekalvya schools will be established for scheduled caste (SC) and schedule tribe students
by 2022 on the lines of Navodaya schools. They will be model residential schools set up
in each Block. It will in areas with more than 50% tribal areas and 20,000 tribal people.
These schools will be part of Navodaya Vidyalayas. It will provide training in sports and
skill development. It has special facilities for preserving local art and culture.

Revitalising Infrastructure and Systems in Education

(RISE) Scheme
RISE scheme aims to lend low-cost funds to government higher educational institutions.
It will be launched with a total investment of Rs. 1 lakh crore in the next four years. It
will be financed via restructured higher education financing agency (HEFA), a non-
banking financial company.

Prime Minister Fellowship Scheme

It is aimed at facilitating cutting edge research by provide high fellowship amounts to
1000 B. Tech students to pursue PhD in IITs and IISc. Its purpose is to make to produce
better research in India and make its institutions climb up in global rankings.

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 Kisan Credit Card to Fishermen and Cattle owners
Kisan Credit Card was extended to fishermen and cattle owners. It will enable them to
avail the easier loans. It will help people associated with milk production business in
rural areas by providing financial assistance and also to fisheries.

Affordable Housing Fund (AHF)

Affordable Housing Fund (AHF) will be created under National Housing Bank (NHB). It
will be funded from priority sector lending shortfall and fully serviced bonds authorised
by Central Government. Beyond this, he did not elaborate about the proposed Fund. It
will be used to construct one crore households in the rural areas Pradhan mantri Awas
Yojana

Gobar-Dhan Yojna
Gobar-Dhan Yojana (also known as Galvanizing Organic Bio-Agro Resource Fund
scheme) aims to improve lives of the villagers. Under it, solid waste of dung and fields
will be changed into compost, biogas and bio-CNG

National Bamboo Mission

Rs. 1,290 crore will be allocated under this scheme to help development of bamboo
production as an industry in the country. This will help the people of rural and tribal
areas.

Atal Bimit Vyakti Kalyan Yojna

The Employee’s State Insurance (ESI) has rolled out Atal Bimit Vyakti Kalyan Yojna for
providing unemployment allowance to workers rendered jobless due to changing
employment pattern. It was announced at 175th ESI Corporation meeting chaired by
Union Labour Minister Santosh Gangwar in New Delhi.
It aims to financially support those who lost their jobs or rendered jobless for
whatsoever reasons due to changing employment pattern. Its beneficiaries will be
insured persons covered under Employees’ State Insurance Act, 1948 for period of two
years continuously.Beneficiary insured workers will be paid money, from their own
contribution towards ESI scheme, in cash through bank account transfer. Under this
scheme, workers will be able to draw 47% of their total contributions towards ESIC after
remaining unemployed for at least three months from date of leaving their previous
jobs. They can choose to receive the cash at one go or in instalments. It will be
applicable to all factories and establishments employing at least 10 workers.

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 Saubhagya scheme
Pradhan Mantri Sahaj Bijli Har Ghar Yojana, or Saubhagya, to provide electricity
connections to over 40 million families in rural and urban areas by December 2018.

The scheme funds the cost of last-mile connectivity to willing households to help
achieve the goal of lighting every household by 31 December 2018.
To ensure on-the-spot registration, mobile applications will be used. While free
connections will be provided to below poverty line (BPL) households, even those not
covered under this category can avail it by paying Rs500 in 10 instalments of Rs50
each along with their monthly bill.

For those household where the national electricity grid can’t reach, households will
be provided with solar power packs along with battery banks. State-run Rural
Electrification Corp. is the nodal agency for the scheme.

The beneficiaries for free electricity connections will be identified using Socio
Economic and Caste Census (SECC) 2011 data.
The scheme will help India, the world’s third-largest energy consumer after the US
and China, to help meet its global climate change commitments as electricity will
substitute kerosene for lighting purposes. Lighting in turn will also help in
improving education, health, connectivity with the multiplier effect of increased
economic activities and job creation.

UDAN Scheme
Govt Scheme for Cheap Air Travel at 2500/- Per Hour
Prime Minister Narendra Modi led NDA government has launched a new scheme
named as UDAN (Udey Desh ka Aam Nagrik) to make the air travel cheaper. Under the
new UDAN scheme, people in tier 2 and tier 3 cities can fly at just Rs. 2500/- per hour.

The main objective of the UDAN scheme is to provide the cheaper air travel opportunity
to all the people in the country. The scheme also aims to make operational almost 50
underutilized airports across the nation.

Under the UDAN scheme, the fare for regional domestic flights will be capped at Rs.
2500/- per hour of flight for a fixed wing aircraft. One hour of flight can cover about 500
Kilometers, hence, the fare will be about Rs. 5 per kilometer, way cheaper than most cab
services in the country.

For journey on a helicopter, the fare will be capped at Rs. 2500/- for every 30 minutes,
i.e. Rs. 5000 per hour

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Under the UDAN scheme, the airline operator will have to provide a minimum of 9 and
a maximum of 40 UDAN seats in each flight to domestic regions. While, in case of
flights through helicopter, a minimum of 5 and maximum 13 UDAN seats to be provided
by the operator.

Under UDAN scheme, fare for 50% of the seats of flights will be capped at Rs 2,500
while the rest will be sold on the basis of current market price.

The selected operators will also need to operate at least 3 UDAN flights and a maximum
of 7 departures every week.

Sukanya Samriddhi Yojana

Sukanya Samriddhi Account (Girl Child Prosperity Account) is a Government of

India backed saving scheme targeted at the parents of girl children. The scheme
encourages parents to build a fund for the future education and marriage expenses for
their female child.

The scheme was launched by Prime Minister Narendra Modi on 22 January 2015 as a
part of the Beti Bachao, Beti Padhao campaign.

The government recently revised the Sukanya Samriddhi account deposit rate to 8.5 per
cent from the previous 8.1 per cent. The interest rate is revised by the government every
year.
The investment in SSY account needs to be made for 14 years only, while it matures in
21 years.
One can start an SSY account with an investment of as little as Rs 250/month. The
maximum deposit limit in the SSY account is Rs 1,50,000/years.

Any legal parent or guardian can open the SSY account in the name of the girl child
below 10 years of age.

BHIM

 BHIM (Bharat Interface for Money) is a Mobile App developed by National

Payments Corporation of India (NPCI), based on the Unified Payment
Interface (UPI)

 It has been named after Bhim Rao Ambedkar and is intended to facilitate e-
payments directly through banks and as part of the 2016 Indian banknote
demonetisation and drive towards cashless transactions

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  This UPI app supports all Indian banks which use that platform, which is built
over the Immediate Payment Service infrastructure and allows the user to
instantly transfer money between the bank accounts of any two parties

 During the Union Budget 2017, Union Finance minister Arun Jaitley said that
BHIM is currently being used by over 125 lakh Indian citizens. He said that
Government will launch two new schemes to promote the use of the BHIM app.
One will be referral payments for individuals, and the other will cashback for
merchants who accept payments from BHIM.

 PM Modi has launched two schemes under BHIM App namely BHIM Referral
Bonus Scheme and BHIM Merchant Cashback Scheme

Power Tex India Scheme

Power Tex India is a new scheme launched by the Narendra Modi Government in 2017
for the Powerloom sector. The scheme is an effective move to push the powerloom
sector across the country and to spread it globally. The ministry of textile launched
Power Tex India Scheme in Bhiwandi in Maharashtra and Erode in Tamil Nadu and also
in all powerloom centers across the country.
Components of Power Tex India scheme
Below are main components of the Power Tex India scheme under which the powerloom
sector would be benefited.

 In-situ up-gradation of plain power looms

 Group Workshed Scheme (GWS)
 Yarn bank scheme
 Common Facility Centre (CFC)
 Pradhan Mantri Credit Scheme for powerloom weavers;
 Solar Energy Scheme for powerloom
 Facilitation, IT, awareness, market development and publicity for powerloom
schemes
 Tex Venture Capital Fund
 Grant-in-Aid and modernization and Upgradation of powerloom service centers
(PSCs).

 Pradhan Mantri Credit Scheme – A facility of loan will be provided under

Pradhan Mantri Mudra Yojana (PMMY) to powerloom units/weavers which are
decentralized.
 Solar Energy Scheme – Financial assistance/capital subsidy will be provided
for the installation of solar plants under this component of Power Tex India
scheme.

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  Yarn Bank Scheme – Small weavers will be provided an interest-free corpus
fund to special purpose vehicle (SPV)/consortium which will further help them in
purchasing yarn at the wholesale rate and selling further to small weavers at the
reasonable price. The main purpose of this component is to cut-off middle
man/local supplier’s brokerage charge on sales of yarn.

Bharat Ke Veer Portal & App for Helping Families of Martyrs

bharatkeveer.gov.in or Bharat Ke Veer is a new web Portal launched by the
central government for the general public to make donations to the families of martyrs
and soldiers of Indian Armed forces. Using the bharatkeveer.gov.in portal, anyone who
wish to support the families of martyrs can donate online.

The web portal and app has been launched by the Ministry of Home Affairs in order to
pay homage to the brave-hearts who have laid down their lives in order to protect their
country and citizens.

The main objective of the Bharat Ke Veer portal is to enable general public help the
families of martyrs by donating money online directly to the individual braveheart’s
account or to Bharat Ke Veer corpus. Braveheart’s from the following armed forces are
among the major forces included in the Bharat Ke Veer Portal for contribution.
1. Assam Rifiles
2. Border Security Force (BSF)
3. Central Industrial Security Force (CISF)
4. Central Reserve Police Force (CRPF)
5. Indo – Tibetan Border Police Force (ITBP)
6. National Disaster Response Force (NDRF – India)
7. National Security Guards (NSG)
8. Sashastra Seema Bal (SSB)

Pradhan Mantri Gramin Awaas Yojana (PMGAY)

Previously Indira Awaas Yojana (IAY)

 is a social welfare flagship programme, created by the Indian Government, to

provide housing for the rural poor in India.
 A similar scheme for urban poor was launched in 2015 as Housing for All by
2022.
 The broad purpose of the scheme is to provide financial assistance to some of the
weakest sections of society for them to upgrade or construct a house of
respectable quality for their personal living. The vision of the government is to
replace all temporary (kutchcha) houses from Indian villages by 2017

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 Rs. 6000 Pregnancy Aid Scheme for Pregnant Women in India
Narendra Modi On 31 December 2016 announced new schemes for poor, senior citizens
and women including the Rs. 6000 pregnancy aid scheme. The scheme was announced
by the Prime Minister as an effort to bring down the maternal mortality rate. Under the
scheme, a financial Aid of Rs. 6000 would be provided to pregnant women who undergo
institutional delivery for hospital admission.

Rs. 6000 Pregnancy Aid Scheme – Objective

The main objective of the scheme is to bring down the maternal mortality rate by
increasing the number of institutional deliveries across the nation. The scheme is aimed
at encouraging institutional deliveries in order to reduce maternal as well as infant
mortality. The scheme would be implemented across all the 650 districts of the country.

The financial aid amount of Rs. 6000 will be directly transferred to the saving bank
account of pregnant women through Direct Benefit Transfer (DBT).

17% of all maternal deaths in the world occur in India with maternal mortality rate is
pegged at 167 per 100,000 live births, whereas infant mortality is estimated at 43 per
1,000 live births. However, these numbers may not sound too high but when comparing
to other nations, these are significant. The primary causes of high maternal and infant
mortality rate are inadequate medical care during pregnancy and child birth and poor
nutrition. The Rs. 6000 being provided under the scheme also sums up for the
vaccination and nutritious food during pregnancy.

The pregnancy aid scheme is being implemented in 53 districts on pilot basis where
financial assistance is Rs. 4000. Initially launched in 2010, this was the first scheme
under Indira Gandhi Matritva Sahyog Yojana (IGMSY) to provide conditional financial
assistance to pregnant women above the age of 18 years for birth of up to 2 live births.

In the new scheme, the cash benefit has been increased to Rs. 6000 which will be
directly transferred to the bank account of the beneficiary pregnant women.

Vrishtha Pension Bima Yojana 2017 (The Old Age Pension Scheme)

 The Old Age Pension Scheme would be implemented by LIC (Life Insurance
Corporation of India) for current financial year, however the launch of VPBY 2017 has
not been declared yet.
 From launch date, the scheme will be opened for the subscription period of one year.
 The scheme will provide income security to old persons aged 60 years and above against
uncertain market falls.
 VPBY will provide an assured pension based on a guaranteed interest rate of 8% for 10
years.

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 The scheme will come up with an option of monthly/quarterly/half-yearly or annual
basis benefits so that the beneficiary can choose any of the options under Varishtha
Pension Bima Yojana 2017.
 The maximum amount to deposit under Varishtha Pension Bima Yojana 2017 has not
been mentioned, however PM had addressed in his New Year Eve speech that upto Rs.
7.5 lakh could be invested in Old Age Pension Scheme.

Start Up India (Ministry of Finance)

 Main Objective: To provide support to all start-up businesses in all aspects of

doing business in India.
 Self-certification
 Rs. 10,000 crore Start-up fund
 No capital gains tax on venture capital investments
 No Income tax for three years
 Atal Innovation Mission
 Faster exit.
 A mobile app to enable registration in a day which was launched on 1st April 2016

UDAY (Ujjawal Discom Assurance Yojana)

Ministry of Power

 Objective- financial turnaround of Power Distribution Companies

 The weakest link in the value chain is distribution, wherein DISCOMs in the
country have accumulated losses of approximately Rs. 3.8 lakh crore and
outstanding debt of approximately Rs. 4.3 lakh crore

 Four initiatives (i) Improving operational efficiencies of DISCOMs; (ii) Reduction

of cost of power; (iii) Reduction in interest cost of DISCOMs; (iv) Enforcing
financial discipline on DISCOMs through alignment with State finances.

 States shall take over 75% of DISCOM debt as on 30 September 2015 over two
years - 50% of DISCOM debt shall be taken over in 2015-16 and 25% in 2016-17.
(This debt taken by states will not be calculated as a part of state fiscal deficit for
2015-16 and 2016-17 years

 UDAY is optional for all States

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 PM Ujjawala Yojana

Ministry of Petroleum and Natural Gas

 Launched: 1 May 2016

 Providing free LPG connections to women from BPL households

 This is the first ever welfare scheme by the Ministry of Petroleum and Natural
Gas which would benefit crores of women belonging to the poorest households.

 Financial support of Rs. 1600 for each LPG connection for BPL

 8 crore LPG connections to BPL households.

 This Scheme would be implemented over three years, namely, the FY 2016-17,
2017-18 and 2018-19

 Budgetary provision of Rs. 2000 crore for 2016-17 to provide deposit free LPG
connections to 1.5 crore women belonging to the Below Poverty Line (BPL)
families.

Rashtriya Gram Swaraj Abhiyan

 Main Objective: To help Panchayat Raj Institutions deliver Sustainable

Development Goals.
 This scheme was announced in the union financial budget 2016-17 by the Finance
Minister Mr. Arun Jaitley.
 Rashtriya Gram Swaraj Abhiyan has been proposed with allocation of Rs. 655
crore.

Setu Bharatam Project

Ministry of Road and Transport and Highways

 To make all the national highways railway crossings free by 2019

 208 Railway Over Bridges (ROB)/Railway Under Bridges (RUB) will be built at
the level crossings at a cost of Rs. 20,800 crore as part of the programme.

 Setu Bharatam is an ambitious programme with an investment of Rs. 50,000

crore to build bridges for safe and seamless travel on National Highways.

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 Shyama Prasad Mukherjee National Rurban Mission
Ministry of Rural Development

 Rurban clusters will be developed to create over 300 smart villages in the next 3
years

 Analysis of demography, economy, tourism and pilgrimage significance and

transportation corridor

 outlay of Rs. 5142.08 crores (remember 5000 crores)

 The clusters will be geographically contiguous Gram Panchayats with a

population of about 25000 to 50000 in plain and coastal areas and a population
of 5000 to 15000 in desert, hilly or tribal areas.

Stand up India

 To boost entrepreneurship among SC/ST women,

 Refinance window through SIDBI with initial corpus of Rs. 10,000 crore
 Creation of credit guarantee through National Credit Guarantee Trustee
Company (NCGTC)

PRAGATI (pro active governance and timely implementation)

 The platform is aimed at addressing common man’s grievances, and

simultaneously monitoring and reviewing important programmes and projects of
the Government of India as well as projects flagged by State Governments

 ICT based multi-modal mechanism to track key projects and policy outcomes

 Uses digital data management, geo-spatial technology and video-conferencing

 Three tier system: PMO, Union Government Secretaries and Chief State
Secretaries

Housing for All

 2.95 crore houses in rural areas to be built by 2022

 Socio economic and caste census (SECC) will be used to identify beneficiaries

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  Central government to state government ratio will be 60:40 for plain area states
and 90:10 for north eastern and hilly states

 Houses constructed under the mission would be allotted in the name of the
female head of the households or in the joint name of the male head of the
household and his wife

Make in India
DIPP — Ministry of Commerce & Industry

 Body named “Invest India” created in partnership with FICCI and State
governments
 Ease of Doing Business
 E-Biz Portal

AMRUT (Atal Mission for Rejuvenation and Urban Transformation) and

Smart Cities Mission
Ministry of Housing

 Main Objective: Providing basic services (e.g. water supply, sewerage, urban
transport) to households and build amenities in cities which will improve the
quality of life for all, especially the poor and the disadvantaged.
o Clean drinking Water
o Sanitation
o Solid Waste management
o Efficient urban mobility and public transportation
o Affordable housing for the poor
o IT connectivity
o E-governance

Swaachh Bharat Mission

Ministry of Drinking Water and Sanitation

1. ODF Free India

2. Build 48000 toilets per day
3. Solid & Liquid Waste Management
4. Water pipeline sin villages to enable tap connections
5. Toilets for boys and girls in the schools
6. PPP and CSR funds through SPVs
7. Cadres of Sanitation Coordinators and Swatcchhta Doots

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8. Convergence with various ministries including Panchayati Raj Ministry, Women and
Child Welfare, MPLADS program, schemes such as MNREGA, BRGF, National Rural
Drinking Water program etc.

Deen Dayal Upadhyay Grameen Kaushal Yojana

Ministry of Rural Development

 Demand led skill training at no cost to the rural poor

 Mandatory coverage for SC/ST, minorities and women
 Greater emphasis on rural poor youth of J&K (HIMAYAT) and NE (ROSHINI)

Pradhan Mantri Suraksha Bima Yojana

Ministry of Finance

 Personal Accident Insurance Scheme (for death and disability due to accident)

 Rs. 2 lakh accident coverage

 Public Sector General Insurance Companies to administer and offer, and others
also allowed if agreed to the terms

 Savings bank holders of Age: 18-70 years (must have a bank account)

 Rs. 12 per annum premium

Atal Pension Yojana

Ministry of Finance

 Unorganized sector old age pension scheme

 Age group: Currently, the age of entering APY is 18-40 years

 Will be under National Pension Scheme run by the PFRDA

 Receive Rs. 1k, 2k, 3k, 4k or 5k per month depending on their contributions after
Age of 60 years

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 Pradhan Mantri Jeevan Jyoti Bima Yojana
Ministry of Finance

 Rs. 2 lakh life insurance

 Administered through LIC

 18-50 years age

 Covers death due to any reason

 Rs. 330 per annum premium

 Savings bank holders only

Skill India
Skill India is a campaign launched by Prime Minister Narendra Damodardas
Modi on 15 July 2015 which aim to train over 40 crore (400 million) people
in India in different skills by 2022

It includes various initiatives of the government like "National Skill Development

Mission", "National Policy for Skill Development and Entrepreneurship, 2015",
"Pradhan Mantri Kaushal Vikas Yojana (PMKVY)" and the "Skill Loan scheme".

In the budget of fiscal year 2017 - 18 the government of India has decided to set
aside Rs. 17,000 crore, the highest ever allocation to this sector, in order to boost
the Skill India Mission

The government has invested Rs. 4000 crore in the launch of SANKALP (Skill
Acquisition and Knowledge Awareness for Livelihood Promotion Programme),
another big initiative under the Skill India Mission. Through this it aims at
providing market relevant training to 350 million young Indians. Apart from this,
the government would set up 100 India International Skills Centres that will
conduct advanced courses in foreign languages to help youngsters prepare for
overseas jobs

Deendayal Upadhyaya Gram Jyoti Yojana

Ministry of Power

1. Rural electrification
2. Strengthening of transmission and distribution infra.

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3. Separation of agri and non-agro feeders to enable judicious supply of electricity to
agro and non-agro users respectively.
4. This used to be RG Gram Vidyutikaran Yojana

Pradhan Mantri Kaushal Vikas Yojana

Ministry of Skill Development and Entrepreneurship

1. under National Skill Development Corporation

2. Standards: Standardize certification process
3. Mobilize youth for skill development and training
4. Monetary awards for skill development
5. Increase employability
6. Rs. 8000 award for skill undergoing training
7. Under NSDC — PPP organization

MUDRA
SIDBI

 It’s a regulatory institution to provide impetus to micro-unit credit and financing.

 Set-up as a subsidiary of SIDBI
 It cannot take demand deposits
 Its primary work would be to register, regulate, refinance and rate MFIs and help
them in refinancing MSMEs
 MUDRA bank will get 20000 crore from RBI from funds of PSL not used by
banks and given to NABARD or SIDBI

PAHAL-Direct Benefits Transfer for LPG (DBTL) Consumers Scheme

Launched: 01 January 2015

Main Objective: To send the subsidy money of LPG cylinders directly into the bank
accounts of the consumers and increase efficiency & transparency in the whole system.

Under the scheme, the LPG consumer can now receive subsidy in his bank account by
two methods. Such a consumer will be called CTC (Cash Transfer Compliant) once he
joins the scheme and is ready to receive subsidy in the bank account.

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 Sagarmala Project

Launched: 31 July 2015

Main Objective: To transform the existing ports into modern world class ports.
The prime objective of the Sagarmala project is to promote port-led direct and indirect
development and to provide infrastructure to transport goods to and from ports quickly,
efficiently and cost-effectively.
The Sagarmala Project, aimed at port-led development in coastal areas, is bound to
boost the country’s economy and the government has lined up about Rs 70,000 crore
for its 12 major ports only

PM Jan Dhan Yojana

Dept. of Financial Services — Ministry of Finance

1. RuPay Card — payment gateway

2. Inbuilt accident insurance of Rs. 1 lakh
3. Inbuilt life insurance of Rs. 30,000
4. RuPay by National Payments Corporation of India (NPCI)
5. opening of jan dhan accounts
6. linking of other services like insurance, investments (MF etc) with Jan Dhan Accounts
in phase 2 of the scheme

National Heritage City Development and Augmentation Yojana (HRIDAY)

Launched: 21 January 2015

Main Objective: Bringing together urban planning, economic growth and heritage
conservation in an inclusive manner to preserve the heritage character of each Heritage
City.

All the best by GKmojo

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