Active Government Yojnas and Benefits Available in India

India’s government has launched a variety of schemes (yojnas) targeting different sectors, with the primary objective of improving welfare, financial inclusion, and socio-economic development. These schemes cover areas like healthcare, housing, agriculture, and education, benefiting millions of citizens. In this article, we will highlight some of the prominent government schemes along with their benefits.

Key Government Yojnas in India

1. Pradhan Mantri Jan Dhan Yojana (PMJDY)

Launched: August 28, 2014
Objective: Financial inclusion
Benefits:

• Provides zero-balance savings accounts.
• Life and accident insurance coverage.
• Aims to integrate unbanked populations into the financial system.

2. Ayushman Bharat Yojana

Launched: September 23, 2018
Objective: Health coverage for vulnerable families
Benefits:

• Health insurance of up to ₹5 lakh per family for hospitalization and medical treatments.
• Covers secondary and tertiary care hospitalization in over 20,000 empanelled hospitals.

3. Atal Pension Yojana (APY)

Launched: May 9, 2015
Objective: Pension scheme for the unorganised sector
Benefits:

• Provides a fixed monthly pension after the age of 60 to workers in the unorganised sector.
• Encourages small contributions over time for financial security in retirement.

4. Pradhan Mantri Awas Yojana (PMAY) – Gramin

Launched: November 20, 2016
Objective: Affordable housing in rural areas
Benefits:

• Financial assistance for the construction of “pucca” houses in rural areas.
• Targets BPL (Below Poverty Line) families.

5. Pradhan Mantri Ujjwala Yojana (PMUY)

Launched: May 1, 2016
Objective: Provide clean cooking fuel
Benefits:

• Free LPG connections to BPL families.
• Reduces reliance on firewood and coal, improving health and sanitation.

6. Pradhan Mantri Kisan Samman Nidhi (PM-Kisan)

Launched: February 24, 2019
Objective: Income support for farmers
Benefits:

• ₹6,000 annually to small and marginal farmers to supplement their income.
• Helps in reducing financial strain on farmers.

7. Pradhan Mantri Mudra Yojana (PMMY)

Launched: April 8, 2015
Objective: Microfinance and entrepreneurship
Benefits:

• Provides loans up to ₹10 lakh for small businesses and entrepreneurs.
• Aimed at promoting entrepreneurship, especially among the unbanked and underprivileged.

8. Swachh Bharat Mission (SBM)

Launched: October 2, 2014
Objective: Sanitation and cleanliness
Benefits:

• Construction of toilets to eliminate open defecation.
• Awareness campaigns about cleanliness and sanitation practices.

Table: Summary of Active Government Schemes

How to Apply for Government Schemes?

Each scheme typically has a dedicated application process, often available through an official website or government portal. The general process involves:

1. Visiting the Official Scheme Portal: You can visit the official portal or website of the scheme to check the eligibility criteria and application process.
2. Filling Out the Application Form: After registration, fill in the necessary details such as your personal information, family details, and required documents.
3. Document Submission: Most schemes require documents like Aadhaar, income proof, and bank account details.
4. Tracking Your Application: Once your application is submitted, you can track its status on the same portal or through an SMS.

Conclusion

The government of India has developed numerous yojnas to address the needs of its citizens across various sectors. From healthcare and financial inclusion to housing and sanitation, these schemes help create a better quality of life. Understanding and accessing these schemes can provide you with numerous benefits, whether you are a farmer, entrepreneur, student, or elderly citizen.

By staying updated on the eligibility and application procedures for these schemes, you can take full advantage of the support they offer. Visit the official portals, check eligibility, and apply to get the most out of these beneficial initiatives.