The document provides an overview and analysis of several schemes recently launched by the Indian government, including Pradhan Mantri Jan Dhan Yojna, Mera Khata Bhagya Vidhata, Make in India, Pradhan Mantri Bima Fasal Yojna, Gold Monetization Scheme, Pradhan Mantri Suraksha Bima Yojna, and NITI Ayog. For each scheme, it outlines the key objectives and benefits, as well as some potential issues or limitations. It analyzes how the schemes aim to promote financial inclusion, boost manufacturing and GDP, provide crop insurance and accident insurance to farmers and citizens, mobilize gold reserves, and establish NITI Ayog

1. Appraisal of recently launched schemes by
Indian Government
Group 9
Devank B Pandya
Srishti Manocha
Dhruv Adlakha
Sourav Jain
Lakshay Budhiraja
Shubham Jain

2. Pradhan Mantri Jan Dhan Yojna
 Financial inclusiveness and banking access
 Insurance Cover and Conviction of security
 Saving the poor from the money lenders
 Eliminating middle men for transfers like subsidies
Mera Khata Bhagya Vidhata
World’s largest financial inclusion scheme
 Overdraft facility puts pressure on the banking
sector
 Dormant account a persistent issue
 Cybercrimes is an issue for the illiterate section of
the society
 Duplicity of accounts

3. Make in India
 Develop job opportunities
 Expansion of GDP
 Development of rural areas
 Increase in brand value
 Foreign flow of capital
Get the manufacturing sector to grow at 10% on a
sustainable basis over a long run
 Manufacturing based economy and threat of
negligence of agriculture which needs immediate
attention
 Loss for small entrepreneurs
 Depletion of natural resources and threat of
environmental degradation

4. Pradhan Mantri Bima Fasal Yojna
 Lowest premium of all the crop insurance schemes
till date
 Post harvest coverage
 Covers localized risks such as hailstorms, landslide,
inundations
 Encourage farmers to adopt innovative and
modern agricultural practices
Minimum premium, maximum insurance for
farmer welfare
 Increased financial burden on the government and
budget allocations needs to be made
 Doesn’t cover loss caused by wild animals
 Reach of technology very limited in rural areas

5. Gold Monetisation Scheme
 Dead gold lying with families will now earn interest
with no issues of safety
 Will reduce import of gold
 Foreign exchange reserves and value of rupee
could be kept in check
 Exemption on various taxes for the interest earned
from the scheme
Earn, while you secure
Mobilize the gold held by households and institutions in the
country
 Tax on conversion of Physical gold into gold
deposits with a flat tax of 20% on the capital gain
 Very low rate of interest
 Jewelleries cannot be deposited which contains
the major chunk of India’s gold reserves
 People expect appreciation of gold value

6. Pradhan Mantri Suraksha Bima Yojna
 Scheme is very flexible
 Easy to apply for and continue
 Very low cost, will bring in the rural economy
 Simple claim settlement process
 Highly reliable
Minimum basic accidental insurance cover at a
minimal cost
 The amount is just Rs 2Lac which may not be
sufficient
 Existing accidental insurance are more competitive

7. NITI Ayog
 More efficient and transparent
 Aligned with the image of India as a free
market based economy
 Much more flexible than the Planning commission
with mid term goals of 7 years and a 15 year vision
Advisory body providing critical directional and
strategic inputs across key elements of policy to
both centre and state
 Expectation of people from a new institution may
become a hindrance
 More members as compared to Planning
commission, may lead to conflicts
 Overlap in the roles of NDC, Governing Council
and Inter-state council leading to policy conflict

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