Government Scheme in India.

1. Jan Dhan Yojana and Other Schemes
Pritam Pandey | IMT Nagpur
2014-16

2. Why we need rural
schemes ?

3. The Rural Crusaders

5. Mission Mode
Objectives:
 Universal access to banking
facilities
 Providing Basic Banking Accounts
with overdraft facility and RuPay
Debit card to all households
 Financial Literacy Programme
 Creation of Credit Guarantee Fund
 Micro-Insurance
 Unorganized sector Pension
schemes like Swavalamban
Timeline for Financial
Inclusion Plan:
 Phase I (15 Aug, 2014 - 14 Aug,
2015)
 Phase II (15 Aug, 2015 - 14 Aug,

6. I m p l e m e n t a t i o n o f P MJDY:
 Reaching out - Network expansion and geographical coverage of the banks
 Opening of Basic Saving Bank Account of every adult citizen
 Financial Literacy and Credit Counselling (FLCC)
 Credit Guarantee Fund
 Micro-Insurance
 Unorganized Sector Pension Scheme – Swavalamban
Challenges Identified in
the Implementation of
the Mission:
 Telecom connectivity
 Keeping the accounts "Live“
 Brand awareness and sensitization
 Commission to Bank on Direct Benefit

7. Outcome of the
Scheme

8. Impact of the
Scheme

9. Saansad Adarsh Gram
YojanaTARGET TO ESTABLISH AT LEAST ONE MODEL
VILLAGE BY PARLIAMENTARIANS

10. Scheme
Objective: Integrated development of village
across multiple
 Aims at instilling values
 Initiate and establish holistic
processes of development of the
Gram Panchayat
 To significantly upgrade the
standard and quality of life
Holistic approach to
development:
 Personal development
 Human development
 Social development
 Economic development
 Environment development
 Providing better amenities and
services
 Social security

11.  SAGY Outcome and Sustainability
 Identifying an Adarsh Gram
 Role and responsibility of each
Member of Parliament
 Funding

12. Current
Status

15. Less known facts
about scheme
 LIC or Life Insurance
Corporation is NOT the sole
Insurance Provider
 Premium can increase in
Future
 The Insurance Scheme can be
discontinued
 No Contribution of the Central
Government
 Money once paid will be
forfeited
INSURANCE COMPANIES ARE
FACING STIFF COMPETITION FROM
PRADHAN MANTRI SCHEMES

17. Salient Features
of Scheme
 Target group
 Assistance for construction
of a new house
 Upgradation of kutcha or
dilapidated houses
 Provision of house sites
 Allocation of funds
 Agency for implementation
 Construction
 Construction
 Toilet
 Drinking Water
 Electricity
 Land Development
 Social Security

20. Swarnajayanti Gram Swarozgar
Yojana

21. Key aspects:
 Activity Cluster
 Group Approach
Salient Features of Scheme
 Organizing the rural poor into SHGs
 Inclusion of the poorest
 Assistance to take up economic activities
 Activity clusters
 Training and capacity building
 Provision of income generation assets
 Infrastructure support and technology
 Credit and marketing services

22. Impact of Scheme
Success Stories:
Total funds invested in SGSY
since inception
Rs. 14, 403.73 crores
More than 77 lakh
beneficiaries
3%
physically
challenged
40%
women
50% SC/ST
Targeted towards
BPL population
Special focus on
women
Reliance on self
employment
Promotion to
micro enterprises
Imparts
permanent
opportunities

23. Limitations:
Attrition Rate
Credit Concerns
Lack of Capacity building and Training
Lack of SHGs at all levels
Selection Bias
Inadequate Risk Mitigation
Grievance Redressal Mechanism
Lack of Transparency and Accountability
Suggestions
:Formation of Co-operatives to
market SHG products
Proper Monitoring of Activities
Selection of NGOs with
better track record for
successful implementationProper Training and
Development programs for
speedier up gradation of
SHGsIncrease in the coverage of
banks to remote areas

24. Few Others
Scheme

25. Deen Dayal Upadhyaya Gram Jyoti
Scheme

27. Aajeevika-National Rural Livelihoods
Mission

28. Provision of Urban Amenities to
Rural Areas

29. Mahatma Gandhi National Rural
Employment Guarantee Act

30. Atal Pension Yojana

31. The village is the cell of the national body
and
the cell-life must be healthy and
developed
for the national body to be healthy and
developed.
-Sri Aurobindo