Important Government Schemes

The Union Government periodically introduces a number of programs for Indian nationals. The Union Government Schemes for Individuals in India are the program the Union Government created with the goal of benefiting an individual. 

They are introduced in an effort to raise peoples’ standards of living and give them security so that they can live better lives. Each program is started to aid the person in a specific aspect of their life. While some programs focus on granting financial security, others seek to offer socioeconomic measures. 

Beneficiaries of the majority of individual programs include rural residents, urban poor, low-income families, and other socially or economically disadvantaged groups.

List of Important Government Schemes

• Atal Pension Yojana
• Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)
• Ayushman Bharat Yojana
• Grameen Kaushalya Yojana or DDU-GKY
• Pradhan Mantri Gramin Awaas Yojana
• Pradhan Mantri Matritva Vandana Yojana
• Deen Dayal Upadhyaya Antyodaya Yojana
• Pradhan Mantri Adarsh Gram Yojana
• Pradhan Mantri Kaushal Vikas Yojna
• Pradhan Mantri Suraksha Bima Yojana
• Pradhan Mantri Jeevan Jyoti Bima Yojana
• Pradhan Mantri Jan Dhan Yojana
• Pradhan Mantri Awas Yojana
• Antyodaya Anna Yojana
• Pradhan Mantri Ujjwala Yojana
• Swamitva Yojana

Atal Pension Yojana

The Atal Pension Yojana was included in the 2015–16 Union Budget by Mr. Arun Jaitley, who was the Finance Minister at the time. This program is a pension plan that attempts to offer retirement benefits to members of the unorganised sector of society, such as housekeepers, gardeners, delivery boys, etc. You can apply for this program even if you work in the private sector or for a company that does not offer pension benefits.

The Pension Fund Regulatory and Development Authority is in charge of overseeing the Atal Pension Yojana (PFRDA). On reaching the age of 60, this scheme offers choices for receiving a fixed pension ranging from Rs. 1000 to Rs. 5000. To be eligible for this program, a person must be between the ages of 18 and 40 and make contributions for at least 20 years.

Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)

The Unnat Jeevan by Affordable LEDs and Appliances for All Scheme was launched by the Indian government in 2015. The Energy Efficiency Services Limited, a partnership between four Public Sector Undertakings under the Ministry of Power, is responsible for implementing this program. Through this program, clients who are concerned about costs can purchase LEDs at reasonable prices.

This program intends to encourage the usage of LED-powered appliances in every home. This program is crucial to enabling the nation’s sizable population of price-conscious consumers to buy LEDs at reasonable prices. As long as they have a metered connection with their local Electricity Distribution Company, every domestic home in the nation is eligible to receive benefits under this program.

Ayushman Bharat Yojana

The Ayushman Bharat Yojana is an initiative that offers health insurance to Indian residents. It debuted on September 23, 2018. It is a program within the current National Health Protection Scheme and is also known as the Ayushman Bharat National Health Protection Program (AB-NHPS).

The recipients of this program receive annual family floater insurance coverage of up to Rs. 5 lakh. Receiving primary, secondary, and tertiary healthcare services are all covered by the insurance. The Socio-Economic Caste Census (SECC), which identifies the occupational category of urban workers’ families, and impoverished, destitute rural families are both eligible to benefit from this program.

Grameen Kaushalya Yojana or DDU-GKY

The National Rural Livelihood Mission program, which includes the Deen Dayal Upadhyaya Grameen Kaushalya Yojana, is another program. On September 25, 2014, the Ministry of Rural Development introduced this program. This program was developed to help underprivileged rural adolescents between the ages of 15 and 35 by offering them training, employment, and job placement. Anyone who earns a living through odd jobs and has even a basic level of education is eligible for training and employment under this program, including unemployed rural youngsters.

Pradhan Mantri Gramin Awaas Yojana

The Indira Awaas Yojana plan was replaced by the Pradhan Mantri Awaas Yojana-Gramin on April 1, 2016. This plan was implemented in order to fill up the gaps in the rural housing program and help the government fulfil its promise to provide “Housing for All” by 2022.

This program intends to give households living in kutcha and run-down homes as well as those who are homeless a pucca house complete with all the amenities they require. According to SECC (Socio-Economic and Caste Census) data, the beneficiaries of this program are all households that are homeless and those that reside in zero, one, or two-room homes with kutcha halls and kutcha roofs.

Deen Dayal Upadhyaya Antyodaya Yojana

The National Urban Livelihoods Mission (NULM) and the National Rural Livelihoods Mission are two government programs that have been combined to create the Deen Dayal Upadhyaya Antyodaya Yojana (DAY) (NRLM). NULM was established by the Ministry of Housing and Urban Poverty Alleviation. In June 2011, the Ministry of Rural Development introduced NRLM. The mission of DAY is to empower the impoverished in urban and rural areas by enhancing their possibilities for sustainable livelihood and skill development.

The implementation of NULM aims to lessen the vulnerability and poverty of urban poor households. To help the rural poor have better access to financial services and raise their household income through viable livelihood options, NRLM offers them effective and efficient institutional platforms.

Pradhan Mantri Suraksha Bima Yojana

One of the three social security program introduced by the government in the Union Budget for 2015–16 is Pradhan Mantri Suraksha Bima Yojana. This program provides annual renewal accidental death and disability coverage for a period of one year. Individuals with bank accounts who are between the ages of 18 and 70 may apply for this program. Under this program, there is a Rs. 2 lakh risk coverage provided for accidental death and total disability. Additionally, it offers a Rs. 1 lakh protection for partial disability.

Pradhan Mantri Jan Dhan Yojana

The Government of India introduced the Jan Dhan Yojana, a national program, in August 2014. This program’s goal is to ensure that everyone in India who does not have a bank account is financially included. It strives to give everyone inexpensive access to financial services, such as banking, savings, and deposit accounts, credit, remittance, pension, and insurance. Any bank branch or Business Correspondent (Bank Mitra) location will allow an individual to open an account under this plan with no balance.

Conclusion

The Indian government periodically introduces welfare program for various segments of society. These program may be centrally administered, state-specific, or the result of a partnership between the Centre and the States. In this part, we’ve made an effort to give you quick access to information about a number of government welfare program and all of its many features, such as qualified recipients, benefit types, program specifics, etc.