1. Rajiv Awas Yojana (RAY) is an Indian government program that attempts to help slum dwellers gain appropriate housing and address the processes by which slums are created and reproduced. It was introduced by the Indian government's Ministry of Housing and Alleviation. The programme is a Centrally Sponsored Scheme, and will run from 2013 to 2022. This scheme aims to make India slum-free by 2022 by providing people with shelter or housing, free of cost. It began with a pilot project, before launching in mission mode. The government earmarked Rs. 32,230 crore for implementation during India's 12th Five Year Plan. One million beneficiaries are proposed to be covered under Rajiv Awas Yojana.
Objectives
- To improve and provide housing, basic civic infrastructure, and social amenities in intervened slums
- To enable reforms by addressing some of the causes leading to the creation of slums
- To facilitate a supportive environment for the expansion of institutional credit linkages for the urban poor
- To institutionalize mechanisms for the prevention of slums, including the creation of affordable housing stock
- To strengthen institutional and human resource capacities at the municipal, city, and state levels through comprehensive capacity building and the strengthening of resource networks
Provisions
Site selection was to be made by the states in consultation with the Centre giving priority to district headquarters, cities of religious heritage and tourist importance, with due consideration to the criterion of the pace of growth of the city, of slums within the city and predominance of Scheduled Caste, Scheduled Tribe and minority population and other weaker and vulnerable section of the society.2. IGNOAPS: Indira Gandhi National Old age Pension Scheme
· This Scheme is for the people who aged above 65 years.
· The amount of Rs. 400 per month (Central govt + State govt = Rs. 200 + Rs. 200) will be provided by both Central
government and State government who aged between 65 – 80 years.
· Rs. 500 per month (Central govt + State govt = Rs. 250 + Rs. 250) for the people who aged more than 80 years.
3. IGNWPS: Indira Gandhi National Widow Pension Scheme
· The beneficiary is in between age group of 40-64 years in this scheme.
· Assistance of Rs. 400 per month (Central govt + State govt = Rs. 200 + Rs. 200) will be given to particular person.
4. Self-help group (SHG) is a village-based financial intermediary committee usually composed of 10–20 local women or men. A mixed group is generally not preferred. Most self-help groups are located in India, though SHGs can also be found in other countries, especially in South Asia and Southeast Asia.
Members make small regular savings contributions over a few months until there is enough capital in the group to begin lending. Funds may then be lent back to the members or to others in the village for any purpose. In India, many SHG's are 'linked' to banks for the delivery of micro-credit.
self-help group may be registered or unregistered. It typically comprises a group of micro entrepreneurs having homogeneous social and economic backgrounds, all voluntarily coming together to save regular small sums of money, mutually agreeing to contribute to a common fund and to meet their emergency needs on the basis of mutual help
5. Pradhan Mantri Jan Dhan Yojana
The government rolled out its ambitious financial inclusion programme, the Pradhan Mantri Jan Dhan Yojana (PMJDY)
The programme is Prime Minister Narendra Modi's first blockbuster social upliftment scheme and is aimed at improving the lives of millions of India's poor by bringing them into the financial mainstream and freeing them from the clutches of usurious moneylenders, while giving them a modicum of insurance cover.
Modi shortened the time for achieving the 7.5 crore new accounts to five months from six, urging the finance ministry to complete the task by January 26.
Each account with life insurance cover of Rs 30,000, adding to the Rs 1 lakh accidental insurance benefit already available under the account that will come bundled with a Ru-Pay-enabled debit card.
fter six months of satisfactory operations, the account would be eligible forRs 5,000 overdraft facility, designed to take the poor out of the clutches of moneylenders. Subsequently, these accounts will be also used for providing micro pensions.
Key facts
The slogan for the Pradhanmantri Jan Dhan mission is expected to be ” Mera Khata – Bhagya Vidhaata” which when translated into English means ” My Bank Account – The Creator of the Good Fortune”:
The primary aim of the Jan Dhan Yojana is to bring poor financially excluded people into the banking system by providing them bank accounts and debit cards.
The scheme will cover both urban and rural areas of India and all bank accounts opened will be linked to a debit card which would be issued under the Ru-Pay scheme. ( Rupay is India’s own unique domestic card network owned by National Payments Corporation of India and has been created as an alternative to Visa and Mastercard.)
Every individual who opens a bank account becomes eligible to receive an accident insurance cover of up-to Rs 1 Lakh for his entire family.
The Pradhan Mantri Jan Dhan Yojana has set an ambitious target of bringing in more than 7.5 crore un-banked families into India’s banking system by opening more than 15 Crore bank accounts at the rate of two bank accounts per household.
Once the bank account has been active for 6 months and has been linked to account holders Aadhar identity , they would become eligible for an overdraft of up to Rs 2,500 , which would further be enhanced by the bank to Rs 5000 over time.
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