Government Initiatives & Schemes For Rural Developement (With PDF)

1. Deen Dayal Upadhyay Gram Jyoti Yojana

DDUGJY was launched on 3rd December 2014. The aim of this programme was to separate Agriculture and Non-Agriculture Electricity (Feeder). After separation, villages can be provided uninterrupted electricity for a maximum time of day. Another goal of the programme was to strengthen and augment the sub-transmission and distribution infrastructure rural areas. This scheme is mainly designed to provide continuous power supply to rural India.

2. Bharat Nirman

It is and business plan for the development of rural infrastructure in India. I will work in the areas of irrigation, rural housing, rural water supply, rural electrification and rural telecommunication facility. Availability of safe drinking water is also a priority in Bharat Nirman. There is also plan for developing houses for poor in rural areas. Initially, the scheme targeted 60 lakh additional houses to be constructed for the poor within the year 2009, but now the plan was extended to 2014 and the targeted house to be constructed was increased to 1.2 crores.

The plans suggest constructing all-weather roads by the year 2012 in order to connect all the villages of India having a minimum population of 500 ( 250 in the case of hilly or tribal areas). The plan aims to provide electricity to every village by the year 2012. The plan aims to provide an additional one crore hectare of irrigational land by the year 2012.

4. Nirmal Bharat Abhiyan

Nirmal Bharat Abhiyan (NBA) was previously called Total Sanitation campaign (TSC). It is a program based on the principles of community-led total sanitation (CLTS). It was initiated by Government of India in 1999. The goal of the scheme is to construct Individual House Hold Latrines for all Below Poverty Line (BPL) Households and Above Poverty Line Households (APL) restricted to SCs/STs, small and marginal farmers, landless labourers with homestead, physically handicapped and women headed households. The plan also has a provision of sanitation facilities in Government Schools and Anganwadis in Government buildings.

The campaigning ambassador for Nirmal Bharat Abhiyan is Vidya Balan. GOI gives 10000 rupees to every family to construct a toilet. Effective 1 April 2012, the Total Sanitation campaign (TSC) was renamed to Nirmal Bharat Abhiyan (NBA). On 2 October 2014 the campaign was relaunched as Swachh Bharat Abhiyan (Clean India Mission).

5. Provision of Urban Amenities to Rural Areas (PURA)

PURA is a strategy for rural development in India. The concept was given by former president Dr. A.P.J. Abdul Kalam and was discussed in his book "Target 3 Billion". PURA proposes that urban infrastructure and services be provided in rural hubs to create economic opportunities outside of cities. Mission & Vision of PURA is to bring together the experience & expertise of both public & private players to achieve the objectives which are proposed to be achieved under the framework of PPP between Gram Panchayats and private sector partner.

6. Pradhan Mantri Gram Sadak Yojana

Pradhan Mantri Gram Sadak Yojana (PMGSY) is a nationwide plan in India to provide good all-weather road connectivity to unconnected villages. This Centrally Sponsored PMGSY Scheme was introduced in 2000 by the then Prime Minister Of India Shri Atal Bihari Vajpayee. It is under the authority of the Ministry of Rural Development and was begun on 25 December 2000.

PMGSY will permit the upgradation (to the prescribed standards) of the existing roads in those districts where all the eligible habitations of the designated population size have been provided all-weather road connectivity. It is fully funded by the central government.

7. Swarnajayanti Gram Swarojgar Yojna (SGSY)

SGSY / Aajeevika Scheme is a major ongoing scheme that was launched in April 1999. This is a holistic programme covering all aspects of self-employment such as the organisation of the poor into self-help groups, training, credit, technology, infrastructure and marketing.

Objective: The objective of SGSY is to provide sustainable income to the rural poor. SGSY help poor rural families cross the poverty line by assisting them to take up income generating activities through a mix of bank credit and government subsidy. The scheme involves selection of key activities, planning of activity clusters, an organisation of poor into Self Help Groups (SHGs) and building their capacities through skill development.

Scope: This programme covers families below poverty line in rural areas of the country. Within this target group, special safeguards have been provided by reserving 50% of benefits for SCs/STs, 40% for women and 3% for physically handicapped persons. Subject to the availability of the funds, it is proposed to cover 30% of the rural poor in each block in the next 5 years.

Funding: SGSY is a Centrally Sponsored Scheme and funding is shared by the Central and State Governments in the ratio of 75:25 respectively.

Strategy: SGSY is a Credit-cum-Subsidy programme. It covers all aspects of self-employment, such as the organisation of the poor into self-help groups, training, credit technology, infrastructure and marketing. Efforts would be made to involve women members in each self-help group.

8. Sampoorna Grameen Rozgar Yojana (Universal Rural Employment Programme)

on 15 August 2001, the then Prime Minister Atal Bihari Vajpayee announced a new wage employment programme, the Sampoorna Grameen Rozgar Yojana. The scheme was subsequently launched on 25 September 2001. SGRY was launched on 25 September 2001 by merging the provisions of Employment Assurance Scheme (EAS) and Jawahar Gram Samridhi Yojana (JGSY)

The scheme has special provisions for women, scheduled castes, scheduled tribes and parents of children withdrawn from hazardous occupations. While preference if given to families BPL, people who live above poverty line (APL) too are eligible under this scheme.

Funding is shared between the centre and the states in the 75–25 ratio. Food grains are, however, provided free of cost by the Central government, but the cost of transportation should be borne by the states. The programme is implemented by the District Panchayats, Intermediate Panchayats and Gram Panchayats. The Gram Panchayats commence their work based on the approval of the Gram Sabha.

9. Rural Self Employment Training Institute (RSETI)

A new initiative has been taken up for setting up RSETI in each district of the country for basic and skill development training of rural BPL youth to enable them to undertake micro enterprises and wage employment.  These are promoted and managed by banks with active cooperation from state governments. RSETI concept is based on RUDSETI (Rural Development and Self Employment Training Institute), a society established jointly by three agencies i.e. Syndicate Bank, Canara Bank and Sri Manjunatheswara Trust based at Ujire in Karnataka. One RSETI is established in every district in the country. The concerned bank is the lead bank in the district takes responsibility for creating and managing it. The government of India will provide one - time grant assistance, upto a maximum of Rs. 1 crore for meeting the expenditure on construction of the building and other infrastructure. After successful completion of the training, they will be provided with credit linkage assistance by the banks to start their own entrepreneurial ventures.

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Government Programmes OR Schemes: Agriculture Related (With PDF)

1. AgriClinic or AgriBusiness Centre

AgriClinic or AgriBusiness Centre (ACABC) by Ministry of Agriculture, in association with NABARD, is a unique programme to take better methods of farming to each and every farmer across the country.

This programme aims to tap the expertise available in the large pool of Agriculture Graduates. Irrespective of whether you are a fresh graduate or not, or whether you are currently employed or not, you can set up your own AgriClinic or AgriBusiness Centre and offer professional extension services to innumerable farmers.

Committed to this programme, the Government is now also providing start-up training to graduates in Agriculture, or any subject allied to Agriculture like Horticulture, Sericulture, Veterinary Sciences, Forestry, Dairy, Poultry Farming, and Fisheries, etc. Those completing the training can apply for special start-up loans for the venture. Agribusiness Centres would provide paid services for the enhancement of agriculture production  and income of farmers. Centres would need to advise farmers on crop selection, best farm practices, post-harvest value-added options, key agricultural information.

2. National Mission on Micro Irrigation  (NMMI)

NMMI was launched as a Mission from June 2010. NMMI would boost converge of micro irrigation activities under major government programmes  for increasing water use efficiency, crop productivity and farmers income. Various related govt programmes are National Food Security Mission (NFSM), Integrated Scheme of Oilseeds, Pulses, Oil palm & Maize (ISOPOM), Technology Mission on Cotton (TMC) etc.

In the case of drip irrigation, the assistance will be limited to 50% of the cost of the System for the specified crop spacing and for the area covered under the crop by the farmer. The Scheme will cover all categories of farmers irrespective of the size of land holding. At least 25% of the beneficiaries should be Small & Marginal farmers. The Panchayati Raj Institution (PRI) will be involved while selecting the beneficiaries.

3. National Agriculture Insurance Scheme (NAIS) OR Rashtriya Krishi Bima Yojana(RKBY). 

The government of India introduced the scheme from Rabi 1999-2000 season to protect the farmers against losses suffered by them due to crop failure on account of natural calamities. The scheme is currently implemented by Agriculture Insurance Company of India (AICIL).

NAIS was introduced in 1999-2000, a new scheme titled “National Agricultural Insurance Scheme” (NAIS) or “Rashtriya Krishi Bima Yojana” (RKBY). NAIS envisages coverage of all food crops (cereals and pulses), oilseeds, horticultural and commercial crops. It covers all farmers, both loanees and non-loanees, under the scheme.

The premium rates vary from 1.5 percent to 3.5 percent of sum assured for food crops. In the case of horticultural and commercial crops, actuarial rates are charged. Small and marginal farmers are entitled to a subsidy of 50 percent of the premium charged- the subsidy is shared equally between the Government of India and the States. there is a funding pattern of 50:50 sharing basis between central and state government.

4. Coconut Palm Insurance Scheme 

Coconut cultivation subjected to risks from climatic changes, natural disasters, pests, diseases etc. and at times, entire coconut cultivation of a region gets wiped out due to natural calamity or onset of pest attack.  since National Agricultural Scheme (NAIS) for insurance of cereals, millets, pulses, oilseeds, and Horticultural crops.

Premium is Rs. 9 per year for a palm of age between 4 to 15 years while that is Rs. 14 per palm for palms of age group 16 to 60 years. 50 percentage premium subsidy by the Coconut Development board, 25 percentage premium subsidy by the state Government and the balance 25 percentage to be borne by the farmers.

5. National Livestock Mission

NLM launched in FY 2014-15 shall ensure quantitative and qualitative improvement in livestock production systems and capacity building of all stakeholders.  The Sub-Mission under NLM on Fodder and Feed Development will try to address the problems of scarcity of animal feed resources.

The mission is designed to cover all the activities required to ensure quantitative and qualitative improvement in livestock production systems and capacity building of all stakeholder.

Note: Livestock is domesticated animals raised in an agricultural setting to produce commodities such as food, fiber and labor. e.g cow, sheep,  poultry, farmed fish.

6. Livestock Insurance Scheme

Aims to provide a protection mechanism to the farmers and cattle rearers against any eventual loss of their animals due to death and to demonstrate the benefit of the insurance of livestock to the people and popularize it with the ultimate goal of attaining qualitative improvement in livestock and their products.

The scheme is sponsored by Central Government.

7. National Crop Insurance Programme

National Crop Insurance Programme’ (NCIP) has been introduced by merging Modified National Agricultural Insurance Scheme (MNAIS), Weather Based Crop Insurance Scheme (WBCIS) and Coconut Palm Insurance Scheme (CPIS) throughout the country from Rabi 2013-14. Administrative Approval for implementing NCIP from Rabi 2013-14 has been issued on 1st November 2013. NCIP has been introduced to provide financial support to the farmers for losses in their crop yield, to help in maintaining flow of agricultural credit, to encourage farmers to adopt progressive farming practices and higher technology in Agriculture

8. Gramin Bhandaran/Godown Scheme

Gramin Bhandaran Yojana or Rural Godown Scheme is for creating scientific storage capacity in the rural areas for storing farm produce, thereby prevent distress sale of produce by the farmers after harvest, by promoting pledge financing and marketing credit. The godown can be constructed / located in any area outside the limits of a Municipal Corporation area. Rural godowns located in Food Parks promoted by Ministry of Food Processing Industries are also eligible.

Depending on the project cost. Maximum Project cost will be Rs 3000/- to 4000/- per tonne capacity for construction and Rs 750/ per tonne for renovation

NABARD is providing back-end subsidy for the projects financed by the Banks, depending on the location and capacity of the godowns Bank will finance up to 75 % of the Project cost and up to 80% in NE states and hilly areas and SC/ST. The loan should be repaid in 11 years, with a grace period of one year. The subsidy will be adjusted/ credited as the final installments.

Also,  read Soil Health Card Scheme By clicking the below link.

Government Programmes By PM Narendra Modi

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Government Programmes : Senior citizen & Disabled Persons Welfare (With PDF)

National Social Assistance Programme (NSAP)

National Social Assistance Programme(NSAP) which came into effect from 15th August 1995 represents a significant step towards the fulfillment of the Directive Principles in Article 41 of the Constitution.

The programme introduced a National Policy for Social Assistance for the poor and aims at ensuring a minimum national standard for social assistance in addition to the benefits that states are currently providing or might provide in future.

The scheme is administered by the Ministry of Rural Development, Government of India. It is fully funded by the Central Government, unlike some other welfare programs where the Union government shares cost with the State Governments.

National Assistance Program consists of five sub-schemes:

1. Indira Gandhi National Old Age Pension Scheme (IGNOAPS)

2. Indira Gandhi National Widow Pension Scheme (IGNWPS)

3. Indira Gandhi National Disability Pension Scheme (IGNDPS)

4. National Family Benefit Scheme (NFBS)

5. Annapurna Scheme

Let's discuss each one.

Indira Gandhi National Old Age Pension Scheme

Indira Gandhi National Old Age Pension Scheme (IGNOAPS) is a non-contributory old age pension scheme that covers Indians who are 60 years and above and live below the poverty line.

Eligibility: Individuals aged 60 years and above living below the poverty line

Amount: Rs. 200 per month for beneficiaries aged 60–79 and Rs. 500 per month for those 80 years and above.

Indira Gandhi National Widow Pension Scheme

IGNWPS scheme came into existence from February 2009. Sanction of pension to a beneficiary has to be made only after placing the database of the beneficiary in the public domain/website of the Ministry or State.

Eligibility: Widows aged 40 years and above living below the poverty line.

Amount: Rs. 300 per month (Rs. 500 for those 80 years and above).

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Indira Gandhi National Disability Pension Scheme

IGNDPS was introduced in February 2009. This scheme is meant for disabled (physically/mentally) people who are living below poverty line. The person should be in the age of 18-59 range.  The disability is defined by PWD Act. 1995, and person should be more than 40% disable. Once beneficiaries are identified through their disability and income, monthly payments of Rs200-400 are made to their post office or their bank account. The policy states that the benefit will be discontinued when “the son of the applicant attains the age of 21 years”. The idea that only the son of the applicant will be taking care of the disabled. Assumptions are made about the type of “care” (Financial? Unpaid?), and who is going to provide it.

National Family Benefit Scheme (NFBS)

National Family Benefit Scheme (NFBS) is a component of National Social Assistance Programme (NSAP). Under National Family Benefit Scheme,  In the event of a death of a breadwinner in a household, the bereaved family will receive the lumpsum assistance of Rs. 20,000.  The breadwinner should have been between 18–60 years of age. The assistance would be provided in every case of death of a breadwinner in a household.

Sponsor: Central Government

Funding Pattern: 100% funded by the Central Government

Annapurna Scheme

Annapurna Scheme had been announced by the Finance Minister in his Budget Speech for the year 1999-2000 to provide food security to those indigent senior citizens who are not covered under the targeted Public Distribution System (PDS) and who have no income of their own. National Old Age Pension Scheme (NOAPS), which was launched in 1995, provides a pension at the rate of Rs.75/- per month to destitute aged 65 years and above. However, all indigent senior citizens are not covered under the scheme.  The Annapurna Scheme aims at providing food security to such indigent senior citizens who though eligible for old age pensions remain uncovered under NOAPS, by providing 10 kgs. of foodgrains per month free of cost.

Jeevan Pramaan

“Jeevan Pramaan” scheme is an Aadhar-based Digital Life Certificate for pensioners. The scheme was launched on November 10, 2014. The beneficiaries of the scheme are over a crore retired employees of government and PSUs. The digital certification will do away with the earlier requirement of a pensioner having to either personally present himself/herself before the pension disbursing agency or submit a Life Certificate issued by authorities specified by the Central Pension Accounting Office (CPAO) in November each year in order to ensure continuity of pension being credited into his/her account.

Using Jeevan Pramaan, a pensioner can now digitally provide proof of his/her existence to authorities for continuity of pension every year instead of requiring to present himself/herself physically or through a Life Certificate issued by specified authorities. Jeevan Pramaan uses the Aadhaar platform for biometric authentication of the pensioner. A successful authentication generates the Digital Life Certificate which gets stored in the Life Certificate Repository. The Pension Disbursing Agencies can access the certificate on-line.

Deendayal Disabled Rehabilitation Scheme

The objectives of the scheme are:

- To create an enabling environment to ensure equal opportunities, equity, social justice and empowerment of persons with disabilities.

- To encourage voluntary action for ensuring effective implementation of the People with Disabilities (Equal Opportunities and Protection of Rights) Act of 1995.

Deendayal Disabled Rehabilitation Scheme (DDRS) Scheme is to provide financial assistance to voluntary organizations to make available the whole range of services necessary for rehabilitation of persons with disabilities including early intervention, development of daily living skills, education, skill development oriented towards employability, training and awareness generation. Voluntary organisations are assisted in running rehabilitation centres for leprosy cured persons and also for manpower development in the field of mental retardation and cerebral palsy. They are also assisted in establishment and development of special schools for major disability areas, viz. Orthopedic, speech, hearing, visual and mental disability.

Varishta Pension Bima Yojana

Varishta Pension Bima Yojana (VPBY) is a scheme for the benefit of senior citizens aged 60 years and above. The scheme is being administered through Life Insurance Corporation of India (LIC). It will remain open for a period of one year from 15th August 2014 to 14th August 2015. Under the scheme, all those who will subscribe to the VPBY during this period will receive a pension linked to an assured guaranteed return of 9% on the lump sum contribution under the Yojana.

Age: Minimum 60 years (completed), no maximum age limit

Varishta Pension Bima Yojana provides Minimum Pension of Rs. 500/- per month and Maximum pension of Rs. 5000/- per month

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Government Programmes Launched By PM Narendra Modi (Download PDF)

Our PM Shri Narendra Modi has taken many administrative initiatives in the form of various developmental Programmes / Schemes. As these schemes are new, we are categorizing them out of general categorization. Theses topics should be given more emphasis than the older government programmes.

Major Government Programs of 2014/15

1. Atal Pension Scheme

The government had started the Swavalamban scheme in 2011-12, but the  coverage under Swavalamban Scheme was inadequate mainly due to lack of guaranteed pension benefits at the age of 60. so Atal Pension Yojana (APY) was launched on 1st June 2015,  which will provide a defined pension, depending on the contribution, and its period. Under the APY, a fixed monthly pension ranging between Rs. 1000 to Rs. 5000 can be availed to the subscribers if he/she joins and contributes between the age of 18 years and 40 years.

The scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA) through NPS architecture. GOI will also co-contribute 50% of the subscriber’s contribution or Rs. 1000 per annum, whichever is lower. Government co-contribution is available for those who are not covered by any Statutory Social Security Schemes and is not income tax payer. GOI will co-contribute to each eligible subscriber, for a period of 5 years who joins the scheme between the period 1st June 2015 to 31st December 2015.  The existing Swavalamban subscriber, if eligible, may be automatically migrated to APY with an option to opt out. However, the benefit of five years of government Co-contribution under APY would not exceed 5 years for all subscribers. This would imply that if, as a Swavalamban beneficiary, he has received the benefit of government Co-Contribution of 1 year, then the Government co-contribution under APY would be available only 4 years and so on.

The minimum age of joining APY is 18 years and maximum age is 40 years. The age of exit and start of pension would be 60 years. Therefore, the minimum period of contribution by the subscriber under APY would be 20 years or more. All bank account holders under the eligible category may join APY with an auto debit facility to accounts, leading to a reduction in contribution collection charges. T

Aadhaar will be the primary KYC. Aadhar and mobile number are recommended to be obtained from subscribers for the ease of operation of the scheme. If not available at the time of registration, Aadhar details may also be submitted later stage.

If no payment is made towards the scheme

- for six months, the holder’s account will be frozen

- for 12 months, the holder’s account will be deactivated

- for 24 months, the holder’s account will be closed

2. Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana  (PMJJBY) is a government-backed Life insurance scheme in India. It was formally launched by Prime Minister Narendra Modi on 9 May in Kolkata. As of May 2015, only 20% of India's population has any kind of insurance, this scheme aims to increase the number of insured persons. Pradhan Mantri Jeevan Jyoti Bima Yojana is available to people between 18 and 50 years of age with bank accounts. It has an annual premium of 300 excluding service tax (Premium was 330). The amount will be automatically debited from the account. In the case of death due to any cause, the payment to the nominee will be 200,000. The scheme will be administered by Banks and be guided by the scheme rules as specified by the Government of India from time to time.  The insurance cover under this product will start from 1st June 2015 and shall be renewed annually.  This is a life insurance product similar to traditional life insurance products by other companies. 

3. Pradhan Mantri Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana (PMSBY) was launched by PM Narendra Modi as social security scheme - An accidental Death and Disability insurance scheme.

• Eligibility: Available to people in the age group 18 to 70 years with a bank account.

• Premium:  Rs 12 per annum.

• Payment Mode: The premium will be directly auto-debited by the bank from the subscribers account. This is the only mode available.

• Risk Coverage:  For accidental death and full disability – Rs 2 Lakh and for partial disability – Rs 1 Lakh.

• Eligibility: Any person having a bank account and Aadhaar number linked to the bank account can give a simple form to the bank every year before 1st of June in order to join the scheme.  Name of the nominee to be given in the form.

A major difference between PMJJBY and PMSBY is, the latter is accidental death only insurance.

4. Pahal - Direct Benefit Transfer (DBT)

PaHaL or Pratyaksha Hastaantarit Laabh, formerly the Direct Benefit Transfer Scheme for LPG subsidy, is a Direct Benefit Transfer scheme for liquefied petroleum gas (LPG) subsidy in India. It  is an attempt to change the mechanism of transferring subsidies launched by Government of India on 1 January 2013. This program aims to transfer subsidies directly to the people through their bank accounts. The program was launched in selected cities of India on 1 January 2013. It was launched in 20 districts, covering scholarships and social security pensions initially.

The primary aim of this Direct Benefit Transfer program is to bring transparency and terminate pilferage from the distribution of funds sponsored by Central Government of India. On June 1, 2013, the minister of Petroleum & Natural Gas, M Veerappa Moily formally launched the scheme direct benefits transfer for LPG (DBTL) Scheme in 20 high Aadhaar coverage districts.  The scheme was extended nationwide on 1 January 2015.

5. Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana in a Government of India backed saving scheme targeted at the parents of girl children. The scheme encourages parents to build a fund for the future education and marriage expenses for their female child. Sukanya Samriddhi Yojana was launched by Prime Minister Narendra Modi on 22 January 2015 as a part of the Beti Bachao, Beti Padhao campaign. The scheme currently provides an interest rate of 9.2% and tax benefits. The account can be opened at any India Post office or a branch of some authorised commercial banks.

Sukanya Samriddhi Account details

- Account Transferability: The account can be opened with an amount of Rs. 1000. It can be transferred from the original location to anywhere in India as the girl child relocates.

- Minimum Contribution: Rs. 1000 per account has to be deposited per year. A maximum of Rs.1, 50,000 per account can be deposited. There is no limit in the number of deposits in a financial year. The money can be deposited through cash, cheque or draft.

- Penalty: A penalty of Rs.50 will be imposed if the account is not credited with the minimum amount.

- The rate of Interest: The scheme is offering an interest rate of 9.1% per year. However, it will be revised in April every year and the change will be communicated subsequently. The interest will be compounded yearly and directly credited to the account.

- Term Period: The guardian is expected to deposit amount in the account only till the completion of 14 years. No deposits after that are required till the maturity of the account.

- Withdrawal: A premature withdrawal (at the end of the previous financial year) of 50% of the accumulated amount is allowed after the girl child turns 18.

- Closure of Account: The account can be closed only after the child turns 21. If the money is not withdrawn even after that, it will continue to earn the interest.

- Taxation: As per Section 80C of Income Tax Act, the investment (up to Rs.1.5 lakhs) under the scheme, all the payments including the interest payment and the total maturity amount will be fully exempted from taxation.

6. Beti Bachao Beti Padhao Scheme

The trend of decline in the Child Sex Ratio (CSR), defined as a number of girls per 1000 of boys between 0-6 years of age, has been unabated since 1961. The decline from 945 in 1991 to 927 in 2001 and further to 918 in 2011 is alarming. The government has announced Beti Bachao Beti Padhao initiative. Prime Minister Modi launched the programme on January 22, 2015, from Panipat, Haryana. This is being implemented through a national campaign and focussed multi-sectoral action in 100 selected districts low in CSR, covering all States and UTs. This is a joint initiative of Ministry of Women and Child Development, Ministry of Health and Family Welfare and Ministry of Human Resource Development.

The objectives of this initiative are:

- Prevention of gender-biased sex selective elimination

- Ensuring survival & protection of the girl child

- Ensuring education and participation of the girl child

7. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

To support Make In India campaign, and increase the number of skilled workers in the country, PMKVY was launched. With a total outlay of about INR 1,500 crore, the PMKVY is likely to impart skills training to 24 lakh youth of the country.

• PMKVY is the flagship scheme for skill training of youth to be implemented by the new Ministry of Skill Development and Entrepreneurship through the National Skill Development Corporation (NSDC).

• Skill training would be done based on the National Skill Qualification Framework (NSQF) and industry-led standards. Under the scheme, a monetary reward is given to trainees on assessment and certification by third party assessment bodies. The average monetary reward would be around Rs.8000 per trainee.

8. Make in India initiative

Make in India is an initiative program of the Government of India to encourage companies to manufacture their products in India. It was launched by Prime Minister Narendra Modi on 25 September 2014. The major objective behind the initiative is to focus on 25 sectors of the economy for job creation and skill enhancement. Some of these sectors are automobiles, chemicals, IT, pharmaceuticals, textiles, ports, aviation, leather, tourism and hospitality, wellness, railways, auto components, design manufacturing, renewable energy, mining, biotechnology, and electronics.

The ‘Make in India’ initiative has its origin in the Prime Minister’s Independence Day speech where he gave a clarion call to ‘Make in India’ and ‘Zero Defect; Zero Effect’ policy.  ‘Make in India’ seeks to make India a self-reliant country. State Governments, Business Chambers, Indian Missions aboard are playing an active role in the launch of the initiative. A dedicated cell has been created to answer queries from business entities through a newly created web portal.

9. Pradhan Mantri Jan-Dhan Yojana

• 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.

• PMJDY financial inclusion campaign was launched by the Prime Minister of India, on 28 August 2014. He had announced this scheme on his first Independence Day speech on 15 August 2014.

• Account holders will be provided zero-balance bank account with RuPay debit card, in addition to accidental insurance cover of Rs 1 lakh. After Six months of the opening of the bank account and satisfactory operation, account holders can avail 5,000 overdraft from the bank.

• With the introduction of new technology introduced by National Payments Corporation of India (NPCI), a person can transfer funds, check balance through a normal phone which was earlier limited only to smartphones so far. Mobile banking for the poor would be available through National Unified USSD Platform (NUUP) for which all banks and mobile companies have come together.

10. SAANJHI - Sansad Adarsh Gram Yojana

Prime Minister Narendra Modi launch the Saansad Adarsh Gram Yojana (SAANJHI) on 11th October 2014. It is Lok Nayak Jai Prakash Narayan Ji’s birth anniversary – at Vigyan Bhawan, New Delhi. The goal is to develop three Adarsh Grams by March 2019, of which one would be achieved by 2016. Thereafter, five such Adarsh Grams (one per year) will be selected and developed by 2024.

Strategies under Sansad Adarsh Gram Yojana

-  Entry point activities to energize and mobilize the community towards positive common action

- Participatory planning exercise for identifying peoples’ needs and priorities in an integrated manner

- Converging resources from Central Sector and Centrally Sponsored Schemes and also other State schemes to the extent possible.

- Repairing and renovating existing infrastructure to the extent possible.

- Strengthening the Gram Panchayats and peoples’ institutions within them

- Promoting transparency and accountability

11. Smart Cities Programme

The government of India has announced an ambitious 100 smart cities programme. State capitals and many tourist, heritage cities are expected to witness a rapid upgrade of urban infrastructure and online services to citizens, enabled by Information Technology. The 100 smart cities will be selected on the basis of a city challenge competition. In the first stage, each state and Union Territory will give a score to their cities on the basis of four parameters, including existing service levels, institutional systems and capacities, self-financing and past track records. States will nominate top cities based on the scores. The 100 cities will then prepare smart city plans, which will be evaluated again. The top 20 cities will be finally selected for funding in the first phase.

12. Digital India programme

Digital India programme is a flagship programme of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy. Digital India aims at ensuring the government services are made available to citizens electronically by reducing paperwork. The initiative also includes a plan to connect rural areas with high-speed internet networks. The project is slated for completion by 2019.  A two-way platform will be created where both the service providers and the consumers stand to benefit. The scheme will be monitored and controlled by the Digital India Advisory group which will be chaired by the Ministry of Communications and IT.

Digital India has three core components:

1. The creation of digital infrastructure

2. Delivering services digitally

3. Digital literacy

13. Soil Health Card Scheme

• PM Narendra Modi launches Government`s nationwide `Soil Health Card` Scheme on 19th February 2015 from Suratgarh, Rajasthan. 

• Under the scheme, the government plans to issue Soil card to farmers which will carry crop-wise recommendations of nutrients and fertilizers required for the individual farms to help farmers to improve productivity through the judicious use of inputs.

• All soil samples are be tested in various soil testing labs across the country. Thereafter the experts will analyze the strength and weaknesses (micronutrients deficiency) of the soil and suggest measures to deal with it. 

• The result and suggestion will be displayed in the cards. The Government plans to issue the cards to 14 crore farmers

14. Swachh Bharat Abhiyan

Swachh Bharat Abhiyan (Clean India Mission) was launched by PM Narendra Modi on 2nd October 2014. It covers 4041 statutory towns, to clean the streets, roads and infrastructure of the country. Cost over Rs. 62000 crore will be utilised for the mission. The fund will be shared between the Central Government and the State Government and Urban Local Bodies (ULBs) on 75:25 (90:10 for North Eastern and special category states).

Objectives of Swachh Bharat Abhiyan are:
- Elimination of open defecation
- Conversion of unsanitary toilets to pour flush toilets.
- Eradication of manual scavenging
- 100% collection and processing/disposal/reuse/recycling of municipal solid waste
- A behavioural change in people regarding healthy sanitation practices
- Generation of awareness among citizens about sanitation and its linkages with public health
- Supporting urban local bodies in designing, executing and operating waste disposal systems
- Facilitating private-sector participation in capital expenditure and operation and maintenance costs for sanitary facilities.

Read these thoroughly and remember all the facts and figures, as these are latest schemes, examiners tend to ask about them more frequently.

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IBPS IT OFFICERS Preparation Guide : ONE-LINERS (PART-3) (Study Materials)

Hi Engineers, we have prepared another list of 50 one liners. So total of 150 one liners are ready. Read the first two parts if you haven't.

1. Information travels between components on the motherboard through buses.
2. In programming languages the key word “Void” means it does not return any value when finished
3. PSTN stands for public switched telephone network
4. If there are 5 routers and b networks in an internet work using link state routing, there will be 5 routing tables
5. Time sharing is a mechanism to provide spontaneous interactive use of a computer system by many users in such a way that each user is given the impression that he/she has his/her own computer
6. Direct or random access of element is not possible in linked list
7. The purpose of the EXIT command is to get out of a condition loop
8. The UNIX operating system has been written in C language
9. In C++, private, protected, and public are reserved words and are called member access specifiers
10. The primary goal of ISDN is the integration of voice services and non-voice services
11. If multiple programs can be executed at the same time, it is distributed operating system
12. Memory allocation at the routine is known as dynamic memory allocation
13. PCM is an example of analog to digital
14. Database is known as structured data
15. UNIX is only a multiprogramming system
16. Spiders search engines continuously send out that starts on a homepage of a server and pursue all links stepwise
17. In an optical fiber, the inner core is less dense than the cladding
18. ALPHA, RIOS, SPARC are examples of RISC Processors
19. The programs and data kept in main memory while the processor is using them
20. In HTML coding <LI> tag is used for denoting items in a list of type <UL>
21. We can create a simple web page by using front page express
22. In assembly language mnemonics are used to code operations, alphanumeric symbols are used for address, language lies between high-level language and machine language
23. The number of input lines required for a 8 to 1 multiplexers is 8
24. In HTML coding, <UL> (Unordered list)
25. The internal programming language for a particular chip is called machine language
26. A hexadigit can be represented by eight binary bits
27. Token bus is the most popular LAN protocol for bus topology
28. Semi-conductor is a substance which has resistivity in between conductors and insulators
29. Speech recognition use thermal sensors along with infrared rays for identification
30. Caramel is the latest platform of Intel Centrio microprocessor
31. Memory is temporary and storage is permanent
32. Popping or removing an element from an empty stack is called underflow
33. The basic circuit of ECL supports the OR-NOR logic
34. The system BIOS and ROM chips are called firmware
35. Second generation computers moved from cryptic binary machine language to symbolic, or assembly languages which allowed programmers to specify instructions in words
36. Private key is used to append a digital signature
37. The programs written in assembly language are machine independent
38. In synchronous TDM, for n signal sources, each frame contains at least n slots
39. Data lines which provide path for moving data between system modules are known as data bus
40. WAIS stands for – wide assumed information section
41. Micro instructions are kept in control store
42. In MS-Access, a table can have one primary key/keys
43. Insulating material is the major factor that makes co axial cable less susceptible to noise than twisted pair cable
44. Network that uses two OSI protocol layers as against three used in X.25 is a “frame relay”
45. When destroying a list, we need a delete pointer to deallocate the memory
46. Subnet usually comprises layers 1 & 2 of OSI model
47. URL term identifies a specific computer on the web and the main page of the entire site
48. A language used to describe the syntax rules is known as meta language
49. Direct memory access is a technique for transferring data from main memory to a device without passing it through the CPU
50. When bandwidth of medium exceeds the required bandwidth of signals to be transmitted we use frequency division multiplexing

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We have a collection of more than 420 one liners, read all the part and clear your exam.

Part-1Part-2Part-3Part-4

Part-5Part-6Part-7Part-8

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Database Management System (DBMS) For IBPS IT Officer

DBMS is a topic which is normally weighted 10-20 marks out of 75 marks in professional knowledge section. So read properly.

What is DBMS or DBS(Database System)?

DBMS consist of
i) Database(DB): a logically coherent collection of interrelated and persistent data.
II) A set of programs used to access, update and manage data, which is called Database Management System.

DBMS is a collection of programs that enable users to create and maintain a database. DBMS provide an environment which is convenient for storing and retrieving information to and from the database.

Advantages of DBMS

• Redundancy is controlled
• Unauthorized access is restricted
• Providing multiple user interface
• Enforcing integrity constraints
• Providing backup and recovery
• Data sharing
• Data and program independence

Example of database management: Saving Bank Accounts Data

In banks, the data of SB accounts are maintained in the databases. The data is accessible in various ways means internet banking, mobile banking, Bank's software used at bank counters. Debit and Credit of account balance can be done in all three ways, but the data that got updated is same. we use a different application to manage same data i.e. account balance.

See the above picture for better understand the DBMS and DB. Now that you have already understood what is Database and DBMS, let's move deeper.

Data Model

Data modelling is the first process of database development process. Database designers first create a conceptual model of how data items relate to each other. A data model is a collection of high-level data description that hide many low-level storage details. A data model is a tool for data abstraction, represents the organisation itself and help users clearly communicate their understanding of organizational data. 

Data Abstraction

Main Purpose of the database system is to provide users with an abstract view of the system. The system hides certain details of how data is stored and created and maintained. The complexity of storage should be hidden from the database users.

File Structures

Sequential structures

Major characteristics of this type of file system are:

a.) Records should be accessed in the same order in which they were written. In simple words, there is no way to directly jump to some record by skipping other records.

b.) If anyone record has to be updated, then the whole file has to be rewritten to another file. An example of this type of database is Payroll Book. Here changes in payroll are updated by making a new file every month.

Random Access Structure

Many real world application requires random access to the database. Two main type of random access file structure is 'indexed file' and 'indexed sequential files'. Consider and example of students of the particular class, where students roll number, name, attendance, marks are entered. Now you want to access any particular students data then you need an identifier that is unique to that student. Roll number is a unique identifier that is called record key.  Usually, a file must have one unique key and that is called primary key.  In some complex databases, one key may not be sufficient. For example, if we have a database of the whole school then there will be same roll numbers in different class, and we will need to use two keys like Class Name & Roll Number. A key thus formed by joining two keys is called Concatenated Key. As this combination uniquely identifies the record concatenated key can be used as a primary key. All other fields which do not uniquely identify the record are called Secondary Keys. 

Understand the Keys concept properly there can be some questions from them. 

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International Organisations: SCO, ASEAN, AIFTA

We have already published one article on BIMSTEC, SAARC, SAPTA & SAFTA. If you haven't read that article read here. Here we will study another three organisations.

Shanghai Cooperation Organisation (SCO) 

It is a Eurasian political, economic and military organisation which was founded in 2001 in shanghai by the leaders of china, Kazakhstan,  Kyrgyzstan, Russia, Tajikistan and Uzbekistan. Except for Uzbekistan, the other countries had been members of the "Shanghai Five", after the inclusion of Uzbekistan in 2001, the members renamed the organisation. On July 10, 2015, the SCO decided to admit India and Pakistan as full members, and they are expected to join by 2016.

Association of Southeast Asian Nations (ASEAN)

ASEAN is a political and economic organization of ten Southeast Asian countries. It was formed on 8 August 1967 by Indonesia, Malaysia, the Philippines, Singapore, and Thailand. Since then, membership has expanded to include Brunei, Cambodia, Laos, Myanmar (Burma), and Vietnam. Regional Comprehensive Economic Partnership (RCEP) consist of all  members of ASEAN   and six countries (China, Japan, South Korea, Australia, India, New Zealand) which have a trade agreement with ASEAN countries.  RCEP covers 45% of world population and about a third of world's total GDP.
Note: India is not a member. India has trade agreement with ASEAN

If you can't explain it simply, you don't understand it well enough - Albert Einstein

ASEAN-India Free Trade Area (AIFTA) 

It is a free trade area among the ten member states of the ASEAN and India. The initial framework agreement was signed on 8th October 2003 in Bali, Indonesia and the final agreement was on 13th August 2009. The free trade area came into effect on 1st January 2010. India hosted the latest ASEAN-India Commemorative Summit in New Delhi on 20th-21st December 2012. India hosted the ASEAN-India Commemorative Summit in New Delhi on 20–21 December 2012.

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Computer Awareness One-Liners(Basic) Part-3 For IBPS Clerk PO

Hi friends, We have prepared third part of Computer Awareness One-Liners. After reading these one liners, you will be able to solve many questions from Computer Awareness Section of IBPS Clerk. These can be also useful for other exams.

1. Digitizer is an input device
2. When sending an e-mail, the subject line describes the contents of the message
3. Paint is not a program in MS Office
4. The mouse was invented by Englebart
5. In Word, Ctrl + Del combination of keys is pressed to delete an entire word
6. Correction of program is done by debugging
7. A stored link to a web page, in order to have a quick and easy access to it later, is called bookmark
8. 'Left justify' is the same as 'align left'
9. Protecting data by copying it from the original source is Backup
10. Scanner will translate images of text, drawings, and photos into digital form
11. Computer language COBOL is useful for commercial work
12. In first generation computers input was based on punched cards
13. MS-Excel is also known as spreadsheet
14. Codes consisting of bars or lines of varying widths or lengths that are computer readable are known as a bar code
15. A toolbar contains buttons and menus that provide quick access to commonly used commands
16. The first generation computers had vacuum tubes and magnetic drum
17. The information you put into the computer is called data
18. In computer, the length of a word can be measured by byte
19. Data accuracy is not done by modem
20. An integrated circuit is fabricated on a tiny silicon chip
21. Video signal needs the highest bandwidth
22. Floppy disk is universal, portable and inexpensive but has its own limitation in terms of storage capacity and speed
23. A separate document from another program sent along with an E-mail message is known as E-mail attachment
24. The inventor of the computer is Charles Babbage
25. Computers that are portable and convenient for users who travel are known as laptops
26. Mouse, keyboard, plotter are the group consist of only input devices
27. A filename is a unique name that you give to a file of information
28. In third generation computers, users interacted through keyboards and monitors
29. FORTRAN is a 3rd generation language (3GL)
30. Hard copy is a printed copy of machine output
31. Optical, Mechanical are the kinds of mouse
32. IBM computers belong to the second generation
33. Before printing a document, you should always use print preview
34. Which part of the computer displays the work done - monitor
35. Mark I was the first computer that used mechanical switches
36. Minicomputers are not there during fourth generation computer
37. CPU is not an input device of a computer
38. Device drivers are small, special-purpose programs that are hardware specific
39. A plotter is output device
40. ROM is not a computer language
41. The name that the user gives to a document is referred to as file name
42. The start button appears at the lower left of the screen
43. CPU is the brain of the computer
44. A network that spreads over cities is WAN
45. The word ZIP means Zicxac Inline Pin
46. Web pages are uniquely identified using URL
47. Windows is not an application(Its operating system)
48. Office Assistant is an animated character that gives help in MSOffice 
49. The windows key will launch the start buttons.
50. Page Setup is not an option of Edit menu

Hope You will like these. 

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International Organisations BIMSTEC, SAARC, SAPTA, SAFTA For IBPS

IBPS Clerk is on its way, and you are also preparing hard. One or two simple questions are always asked from the international organisations topic. We have already discussed IMF and World Bank. (Click on the blue link to read them).  Let's see four more international organisations.

Bay of Bengal Initiative for Multi-Sectoral Technical and Economic Cooperation (BIMSTEC) 

BIMSTEC is an international organisation consisting a group of countries in South Asia and South East Asia. Initially, it was BIST-EC (Bangladesh, India, Sri Lanka and Thailand Economic Cooperation). Later, Myanmar, Nepal and Bhutan became its full member, then its name changed to BIMSTEC.  Bimstec Headquarters is situated in Dhaka.

South Asian Association for Regional Cooperation (SAARC)

SAARC is an economic and geopolitical organisation of eight countries that are primarily located in South Asia or the Indian subcontinent.  India accounts for nearly 80% of SAARC's economy. The first summit was held in Dhaka on 8 December 1985, on the day SAARC was established. The member states are Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan, and Sri Lanka.
The States with observer status include  Australia, China, the European Union, Iran, Japan, Mauritius, Myanmar, South Korea and the United States.

SAARC Preferential Trading Arrangement (SAPTA) 

The Agreement on SAPTA was signed on 11th April 1993 and entered into force on 7th December 1995. It's an Intergovernmental Group(IGG) of Countries. The Agreement reflected the desire of the Member States to promote and sustain mutual trade and economic cooperation within the SAARC region through the exchange of concessions.

South Asian Free Trade Area (SAFTA) 

It is an agreement reached on 6th January 2004 at the 12th SAARC Summit in Islamabad, Pakistan. It created a free trade area of 1. 8 billion people in Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan and Sri Lanka. The seven foreign ministers of the region signed a framework agreement on SAFTA to reduce customs duties of all traded goods to zero by the year 2016. The SAFTA agreement came into force on 1 January 2006. SAFTA requires the developing countries in South Asia (i.e India, Pakistan and Sri Lanka) to bring their duties down to 20 percent in the first phase of the two-year period ending in 2007. In the final five-year phase ending 2012, the 20 percent duty will be reduced to zero in a series of annual cuts. The least developed nations in South Asia (Nepal, Bhutan, Bangladesh, Afghanistan and Maldives) have an additional three years to reduce tariffs to zero. India and Pakistan ratified the treaty in 2009, whereas Afghanistan as the 8th member state of the SAARC ratified the SAFTA protocol on the 4th of May 2011. (Ratified: to make officially valid)

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Word Of the Day: Euresia

Eurasia = Europe + Asia

Eurasia is the combined continental landmass of Europe and Asia. The term is a portmanteau of its two constituents. 
(Portmanteau means blending of two words or their sounds to make another new word) 

The division between Europe and Asia as two different continents is a historical and cultural construct, with no clear physical separation between them; thus, in some parts of the world, Eurasia is recognized as the largest of five or six continents

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Andhra Bank Recruitment of 200 Probationary Officers 2015

Andhra Bank has come up with a recruitment of 200 probationary officers.

Candidates shall be selected through a process consisting of online exam followed by Personal Interview. Interested candidates who fulfil the eligibility criteria may apply online by visiting website www.andhrabank.in during 17.11.2015 to 01.12.2015 and no other mode of application will be accepted.

Admission to the 1-year full-time post graduate diploma course in Banking and Finance from Manipal University comes with the assurance of a full-fledged Banking career with Andhra Bank on successful completion of the course.

Starting Date for Online Registration	17-11-2015
Last Date for Online Registration	01-12-2015
Date of Online Payment of Application Fees	17-11-2015 to 01-12-2015
Closing Date for Editing Application Details	01-12-2015
Last Date for Printing your Application	16-12-2015
Date of Download of Call letter for Examination	After 10-12-2015
Date of Link to Download Call Letters for PET	After 09-12-2015
Date of Conduct of PET	16-12-2015 to 22-12-2015 (Excluding 20-12-2015 i.e., Sunday)
Date of Examination	27-12-2015

For more information download the official advertisement from below link.

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