PM Modi’s Key Schemes: Over the past few years, the central government has launched numerous welfare schemes for the economically weaker sections, farmers, labourers, and low-income families. The objective is not merely to provide financial assistance but also to offer people a better quality of life, social security, and opportunities for self-reliance. These schemes have benefited a vast number of people across both rural and urban areas. Let us look at 10 major government schemes benefiting crores of people nationwide.
PM Ujjwala Yojana
The PM Ujjwala Yojana was launched on May 1, 2016. The scheme aims to provide clean fuel to women from economically weaker families, so they no longer have to rely on traditional fuels such as wood, coal, and cow dung cakes. Under this scheme, eligible families are provided with LPG gas connections. Additionally, subsidies on cooking gas are provided in accordance with government guidelines. This scheme has relieved crores of families from health issues caused by smoke and has made life much more convenient for women.
PM Fasal Bima Yojana
The PM Fasal Bima Yojana was launched to protect farmers against losses caused by natural disasters. If crops are damaged due to drought, floods, hailstorms, storms, or other natural causes, eligible farmers receive financial assistance through insurance. Farmers pay a low premium under this scheme, while the central and state governments bear the remaining cost. This helps farmers mitigate the financial risks associated with agriculture.
PM Jan Dhan Yojana
The objective of the PM Jan Dhan Yojana is to bring every citizen of the country into the banking fold. Under this scheme, eligible individuals can open bank accounts without maintaining a minimum balance. Jan Dhan accounts come with various features, including RuPay debit cards, accident insurance, life insurance, and overdraft protection. This has facilitated the direct transfer of funds from government schemes into the beneficiaries’ bank accounts.
PM Awas Yojana
The goal of the PM Awas Yojana is to provide permanent houses to economically weaker families. This scheme is applicable to eligible individuals in both rural and urban areas. Under this scheme, eligible beneficiaries can receive government assistance to build or purchase a home, as well as an interest subsidy on home loans, subject to specific conditions. The objective is to ensure that “every family has a home of its own.”
PM Kisan Samman Nidhi Yojana
Under the PM Kisan Samman Nidhi Yojana, eligible farmers receive financial assistance of ₹6,000 annually. This amount is transferred directly to the farmers’ bank accounts in three equal instalments. The scheme aims to help farmers meet their agricultural needs and strengthen their income.
PM Garib Kalyan Anna Yojana
Under the PM Garib Kalyan Anna Yojana, eligible ration card holders receive free food grains every month. The scheme aims to ensure food security for economically weaker families. Millions of people across the country are benefiting from free food grains through this scheme.
Ayushman Bharat Yojana
The Ayushman Bharat Yojana is one of the country’s largest health insurance schemes. Under this scheme, eligible families receive cashless medical treatment of up to ₹5 lakh at designated hospitals. Beneficiaries are issued an Ayushman Card, which enables them to undergo treatment for serious illnesses without incurring heavy expenses.
Atal Pension Yojana
The Atal Pension Yojana has been launched primarily for workers in the unorganised sector. Eligible individuals aged 18 to 40 can make regular contributions to the scheme and receive a monthly pension upon reaching age 60. The scheme aims to ensure a regular income during old age.
PM SVANidhi Yojana
The PM SVANidhi Yojana has been launched for small shopkeepers, hawkers, and street vendors. Under this scheme, eligible beneficiaries receive collateral-free working capital loans. Timely repayment of the loan can lead to benefits such as access to larger loan amounts and interest subsidies. The primary objective is to make small business owners self-reliant.
PM Surya Ghar: Muft Bijli Yojana
The PM Surya Ghar: Muft Bijli Yojana aims to promote the use of solar energy in households. Under this scheme, eligible families receive a government subsidy for installing solar panels on their rooftops. Additionally, subject to specific conditions, benefits such as relief on electricity bills and free electricity may also be available. This not only reduces electricity costs but also promotes clean energy.
Conclusion
The schemes implemented by the Central Government have been designed with the needs of various sections of society in mind. While the primary objective of some schemes is to increase farmers’ income, others aim to provide poor families with access to housing, healthcare, banking services, food security, or employment opportunities. Individuals who meet the eligibility criteria can apply in accordance with the scheme’s guidelines to avail themselves of these benefits.