PRADHAN MANTRI JHAN DHAN YOJANA
Introduction
Objective of "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" is ensuring access to various financial services like availability of basic savings bank account, access to need based credit, remittances facility, insurance and pension to the excluded sections i.e. weaker sections & low income groups. This deep penetration at affordable cost is possible only with effective use of technology.
Hon'ble Prime Minister, Sh. Narendra Modi on 15 August, 2014 announced "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" which is a National Mission for Financial Inclusion.
Scheme Details
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.
Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.
Special Benefits under PMJDY Scheme
- Interest on deposit.
- Accidental insurance cover of Rs.1.00 lac
- No minimum balance required.
- Life insurance cover of Rs.30,000/-
- Easy Transfer of money across India
- Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
- After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
- Access to Pension, insurance products.
- Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days.
- Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.
National Institution for Transforming India (NITI) Aayog
NITI Aayog will seek to provide a critical directional and strategic input into the development process. Government had announced formation of NITI Aayog on 1 January 2015.
In accordance with a key announcement made by Prime Minister Narendra Modi on Independence Day, the Union Government today established NITI Aayog (National Institution for Transforming India), as replacement for the Planning Commission. This comes after extensive consultation across the spectrum of stakeholders, including state governments, domain experts and relevant institutions.
NITI Aayog will seek to provide a critical directional and strategic input into the development process.
The centre-to-state one-way flow of policy, that was the hallmark of the Planning Commission era, is now sought to be replaced by a genuine and continuing partnership of states.
NITI Aayog will emerge as a “think-tank” that will provide Governments at the central and state levels with relevant strategic and technical advice across the spectrum of key elements of policy.
The NITI Aayog will also seek to put an end to slow and tardy implementation of policy, by fostering better Inter-Ministry coordination and better Centre-State coordination. It will help evolve a shared vision of national development priorities, and foster cooperative federalism, recognizing that strong states make a strong Nation.
The NITI Aayog will develop mechanisms to formulate credible plans to the village level and aggregate these progressively at higher levels of government. It will ensure special attention to the sections of society that may be at risk of not benefitting adequately from economic progress.
The NITI Aayog will create a knowledge, innovation and entrepreneurial support system through a collaborative community of national and international experts, practitioners and partners. It will offer a platform for resolution of inter-sectoral and inter-departmental issues in order to accelerate the implementation of the development agenda.
In addition, the NITI Aayog will monitor and evaluate the implementation of programmes, and focus on technology upgradation and capacity building.
Through the above, the NITI Aayog will aim to accomplish the following objectives and opportunities:-
·An administration paradigm in which the Government is an “enabler” rather than a “provider of first and last resort.”
·Progress from “food security” to focus on a mix of agricultural production, as well as actual returns that farmers get from their produce.
·Ensure that India is an active player in the debates and deliberations on the global commons.
·Ensure that the economically vibrant middle-class remains engaged, and its potential is fully realized.
·Leverage India`s pool of entrepreneurial, scientific and intellectual human capital.
·Incorporate the significant geo-economic and geo-political strength of the Non-Resident Indian Community.
·Use urbanization as an opportunity to create a wholesome and secure habitat through the use of modern technology.
·Use technology to reduce opacity and potential for misadventures in governance.
The NITI Aayog aims to enable India to better face complex challenges, through the following:-
·Leveraging of India’s demographic dividend, and realization of the potential of youth, men and women, through education, skill development, elimination of gender bias, and employment.
·Elimination of poverty, and the chance for every Indian to live a life of dignity and self-respect.
·Reddressal of inequalities based on gender bias, caste and economic disparities.
·Integrate villages institutionally into the development process.
·Policy support to more than 50 million small businesses, which are a major source of employment creation.
·Safeguarding of our environmental and ecological assets.
Structure
The NITI Aayog comprises of the following:
Prime Minister of India as the Chairperson
Governing Council comprising the Chief Ministers of all the States and Lieutenant Governors of Union Territories
Regional Councils will be formed to address specific issues and contingencies impacting more than one state or a region. These will be formed for a specified tenure. The Regional Councils will be convened by the Prime Minister and will comprise of the Chief Ministers of States and Lt. Governors of Union Territories in the region. These will be chaired by the Chairperson of the NITI Aayog or his nominee
Experts, specialists and practitioners with relevant domain knowledge as special invitees nominated by the Prime Minister
Full-time organizational framework (in addition to Prime Minister as the Chairperson) comprising of:
Vice-Chairperson: To be appointed by the Prime Minister
Members: Two (2) Full-time
Part-time members: Maximum of two from leading universities research organizations and other relevant institutions in an ex-officio capacity. Part time members will be on a rotational basis
Ex Officio members: Maximum of four members of the Union Council of Ministers to be nominated by the Prime Minister
Chief Executive Officer: To be appointed by the Prime Minister for a fixed tenure, in the rank of Secretary to the Government of India.
Present Members
The various members of NITI Aayog are:
- Chairperson: Prime Minister Narendra Modi
- Vice Chairperson: Arvind Panagariya
- Ex-Officio Members: Rajnath Singh, Arun Jaitley, Suresh Prabhu and Radha Mohan Singh
- Special Invitees: Nitin Gadkari, Smriti Zubin Irani and Thawar Chand Gehlot
- Full-time Members: Bibek Debroy & V. K. Saraswat
- Governing Council: All Chief Ministers and Lieutenant Governors of Union Territories
- CEO: Sindhushree Khullar
Things that differentiate NITI Aayog from Planning Commission
Parameter |
NITI Aayog | Planning Commission |
| Financial clout | To be an advisory body, or a think-tank. The powers to allocate funds might be vested in the finance ministry | Enjoyed the powers to allocate funds to ministries and state governments |
| Full-time members | The number of full-time members could be fewer than Planning Commission | The last Commission had eight full-time members |
| States' role | State governments are expected to play a more significant role than they did in the Planning Commission | States' role was limited to the National Development Council and annual interaction during Plan meetings |
| Member secretary | To be known as the CEO and to be appointed by the prime minister | Secretaries or member secretaries were appointment through the usual process |
| Part-time members | To have a number of part-time members, depending on the need from time to time | Full Planning Commission had no provision for part-time members |
PRADHAN MANTRI ADARSH GRAM YOJANA
Pradhan Mantri Adarsh Gram Yojana (PMAGY) is a rural development programme launched by the Central government in India in the financial year 2009–10 for the development of villages having a higher ratio (over 50%) of people belonging to the scheduled castes through convergence of central and state schemes and allocating financial funding on a per village basis.
The plan is considered ambitious as it aimed to bring a number of development programs to the villages. Some of these programs are Bharat Nirman, Pradhan Mantri Gram Sadak Yojana (PMGSY) for rural roads, water supply, housing, electrification and other big-ticket schemes like Sarva Shiksha Abhiyan, Mahatma Gandhi National Rural Employment Guarantee Act, ICDS, sanitation. This program would be applicable to around 44,000 villages which had a scheduled castes population above 50% and so qualified for PMAGY.
The Plan aims to build an "Adarsh Gram" (Model village} which has adequate physical and institutional infrastructure, in which minimum needs of all sections of the society are fully met. The village which is progressive and dynamic and its residents live in harmony. All the facilities necessary for dignified living should be available and the residents are enabled to utilise their potential to the fullest.
Pradhan Mantri Adarsh Gram Yojana (PMAGY) is a rural development programme launched by the Central government in India in the financial year 2009–10 for the development of villages having a higher ratio (over 50%) of people belonging to the scheduled castes through convergence of central and state schemes and allocating financial funding on a per village basis.
The plan is considered ambitious as it aimed to bring a number of development programs to the villages. Some of these programs are Bharat Nirman, Pradhan Mantri Gram Sadak Yojana (PMGSY) for rural roads, water supply, housing, electrification and other big-ticket schemes like Sarva Shiksha Abhiyan, Mahatma Gandhi National Rural Employment Guarantee Act, ICDS, sanitation. This program would be applicable to around 44,000 villages which had a scheduled castes population above 50% and so qualified for PMAGY.
The Plan aims to build an "Adarsh Gram" (Model village} which has adequate physical and institutional infrastructure, in which minimum needs of all sections of the society are fully met. The village which is progressive and dynamic and its residents live in harmony. All the facilities necessary for dignified living should be available and the residents are enabled to utilise their potential to the fullest.
Implementation
The aim of the scheme is to integrated development of the selected villages so that they have all required physical and social infrastructure for an all round socio-economic development. Another objectives of the plan is elimination of disparity between SCs and other communities in terms of common socio-economic indicators such as literacy rate, completion rate of elementary education, infant mortality rate/maternal mortality rate and ownership of productive assets. To ensure the implementation two committees an advisory committee headed by the Deputy Chief Minister and a steering committee headed by the Chief Secretary have been formed.
Adopted Villages
• Under the scheme, Narendra Modi has adopted Jayapur village from his constituency Varanasi in Uttar Pradesh.
• Sonia Gandhi adopted Udwa village in her constituency Rae Bareli in Uttar Pradesh.
• Rahul Gandhi adopted Deeh village in his constituency Amethi in Uttar Pradesh.
• V. K. Singh adopted Mirpur Hindu in his constituency Ghaziabad, Uttar Pradesh.
• Ahmed Patel adopted Vandari village in Rajpipada, Gujarat.
• Sachin Tendulkar adopted Puttamraju vari Kandriga(P.R.Kandriga) a village near Gudur in Nellore district of Andhra Pradesh.
MAKE IN INDIA
Make in India is an international marketing campaigning slogan coined by the Prime Minister of India, Narendra Modi on 25 September 2014 to attract businesses from around the world to invest and manufacture in India. The campaign has been concentrated to fulfill the purpose of job creation, enforcement to secondary and tertiary sector, boosting the national economy, converting the India to a self-reliant country and to give the Indian economy global recognition. The 'Make in India' also attempts to enforce the inflow of FDI in the country and improve services by partial privatization of loss-making government firms. The campaign is completely under control of the Central Government of India.
Make in India is an international marketing campaigning slogan coined by the Prime Minister of India, Narendra Modi on 25 September 2014 to attract businesses from around the world to invest and manufacture in India. The campaign has been concentrated to fulfill the purpose of job creation, enforcement to secondary and tertiary sector, boosting the national economy, converting the India to a self-reliant country and to give the Indian economy global recognition. The 'Make in India' also attempts to enforce the inflow of FDI in the country and improve services by partial privatization of loss-making government firms. The campaign is completely under control of the Central Government of India.
Objective
The major objective behind this initiative is to focus upon the heavy industries and public enterprises while generating employment, empowering secondary and tertiary sector and utilizing the human resource present in India.
The highlights and purpose of Make in India include making India a manufacturing hub and economic transformation in India while eliminating the unnecessary laws and regulations, making bureaucratic processes easier and shorter, and make government more transparent, responsive and accountable and a government emphasized upon the framework which include the time-bound project clearances through a single online portal which will be further aided by the eight-members team dedicated to answering investor queries within 48 hours and addressing key issues including labour laws, skill development and infrastructure.
DIGITAL INDIA PROGRAMME
Union Cabinet launched the Digital India Programme. The programme is worth 1 lakh crore rupees and seeks to transform the Indian economy into a digitally empowered knowledge economy.
The Digital India programme is a transformed version of the already running National e-Governance Plan. The programme will be implemented in phases from 2014 till 2018.
Aim of the Programme
The project aims to provide thrust to nine growth areas. These are: broadband highways, everywhere mobile connectivity, Public Internet Access Programme, e-Governance, e-Kranti (which aims to give electronic delivery of services), information for all, electronics manufacturing, IT for Jobs and early harvest programmes. Projects
included in the program aim to ensure that government services are available to citizens electronically and people get benefit of the latest information andcommunication technology.
Union Cabinet launched the Digital India Programme. The programme is worth 1 lakh crore rupees and seeks to transform the Indian economy into a digitally empowered knowledge economy.
The Digital India programme is a transformed version of the already running National e-Governance Plan. The programme will be implemented in phases from 2014 till 2018.
Aim of the Programme
The project aims to provide thrust to nine growth areas. These are: broadband highways, everywhere mobile connectivity, Public Internet Access Programme, e-Governance, e-Kranti (which aims to give electronic delivery of services), information for all, electronics manufacturing, IT for Jobs and early harvest programmes. Projects
included in the program aim to ensure that government services are available to citizens electronically and people get benefit of the latest information andcommunication technology.
