Major Government Schemes | Courage Library

Introduction

Government schemes are very important for SSC exams. Questions often ask the full form, year of launch, ministry, and purpose of schemes.

This article includes all major schemes relevant for SSC GD preparation.

1. PM-KISAN

Full Form

Pradhan Mantri Kisan Samman Nidhi

Launch Year

2019

Ministry

Ministry of Agriculture and Farmers Welfare

Benefits:

Provides income support of 6000 rupees per year to farmers
Paid in 3 installments of 2000 rupees each directly to bank accounts

Eligibility:

Small and marginal farmers
Landholding farmers only

Type:

Direct Benefit Transfer (DBT) scheme

2. MNREGA

Full Form

Mahatma Gandhi National Rural Employment Guarantee Act

Launch Year

2005

Ministry

Ministry of Rural Development

Features:

Guarantees 100 days of wage employment to rural households
Focus on manual unskilled work
Wages directly transferred to bank accounts
Aim: reduce rural poverty and create durable assets

Coverage:

All districts of India except urban areas

3. PMJDY

Full Form

Pradhan Mantri Jan Dhan Yojana

Launch Year

2014

Ministry

Ministry of Finance

Purpose:

Financial inclusion for every household

Features:

Zero balance bank accounts
RuPay debit card
Overdraft facility
Accident insurance
Direct Benefit Transfer enabled

Important:

Guinness World Record for maximum bank accounts opened in one week

4. PMAY

Full Form

Pradhan Mantri Awas Yojana

Launch Year

2015

Two Parts:

PMAY-U (Urban)
PMAY-G (Gramin)

Objective:

Housing for All

Features:

Affordable houses
Subsidy on home loans
Basic amenities included: water supply, toilet, electricity

5. PMEGP

Full Form

Prime Minister's Employment Generation Programme

Launch Year

2008

Ministry

Ministry of Micro, Small and Medium Enterprises (MSME)

Purpose:

To generate jobs through micro-enterprises in rural and urban areas

Eligibility:

Individuals above 18 years
No income limit

Implementing Agency:

KVIC (Khadi and Village Industries Commission)

6. PMFBY

Full Form

Pradhan Mantri Fasal Bima Yojana

Launch Year

2016

Ministry

Agriculture and Farmers Welfare

Purpose:

Crop insurance scheme to protect farmers against crop loss due to:

Natural calamities
Pests
Diseases

Premium Rates:

2 percent for Kharif crops
1.5 percent for Rabi crops
5 percent for commercial and horticulture crops

7. Ayushman Bharat

Also Known As

Pradhan Mantri Jan Arogya Yojana (PMJAY)

Launch Year

2018

Ministry

Health and Family Welfare

Purpose:

Provide health insurance coverage of up to 5 lakh rupees per family per year

Beneficiaries:

Poor and vulnerable families as per SECC data

Key Feature:

World's largest government health insurance scheme

8. PMUY

Full Form

Pradhan Mantri Ujjwala Yojana

Launch Year

2016

Ministry

Petroleum and Natural Gas

Purpose:

Provide free LPG connections to women belonging to poor households

Benefits:

Free gas connection
Subsidized gas refills

9. PMGKY

Full Form

Pradhan Mantri Garib Kalyan Yojana

Launch Year

2020 (Covid-19 period)

Purpose:

Provide free food grains, cash support, and essential services to the poor during crisis

10. PM-SVANidhi

Full Form

Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi

Launch Year

2020

Ministry

Housing and Urban Affairs

Purpose:

Provide loans to street vendors to resume business

Loan Details:

Initial loan: up to 10000 rupees
Later up to: 20000 and 50000 rupees

11. PMKVY

Full Form

Pradhan Mantri Kaushal Vikas Yojana

Launch Year

2015

Ministry

Skill Development and Entrepreneurship

Purpose:

Provide skill training to youth
Certified training programs
Increase employability

12. NRLM

Full Form

National Rural Livelihood Mission

Launch Year

2011

Ministry

Rural Development

Purpose:

Promote Self Help Groups (SHGs)
Provide employment opportunities in rural areas
Women empowerment program

13. Atal Pension Yojana

Launch Year

2015

Ministry

Finance

Purpose:

Provide pension to unorganized sector workers

Benefits:

Pension of 1000 to 5000 rupees depending on contribution

Eligibility:

Age 18 to 40 years

14. Stand-Up India

Launch Year

2016

Ministry

Finance

Purpose:

Provide bank loans to SC, ST, and Women entrepreneurs

Loan Amount:

10 lakh to 1 crore rupees

15. Sukanya Samriddhi Yojana

Launch Year

2015

Ministry

Women and Child Development

Purpose:

Savings scheme for girl child

Features:

High interest rate
Tax free returns
Account can be opened for girls up to 10 years of age

16. National Food Security Act (NFSA)

Launch Year

2013

Purpose:

Provide subsidized food grains to poor households

Benefits:

Rice at 3 rupees per kg
Wheat at 2 rupees per kg
Coarse grains at 1 rupee per kg

Coverage:

Covers 75 percent of rural and 50 percent of urban population

17. Jal Jeevan Mission

Launch Year

2019

Ministry

Jal Shakti

Purpose:

Provide piped drinking water to every rural household

Target:

Har Ghar Jal (Water to Every Home)

18. Swachh Bharat Mission

Launch Year

2014

Ministry

Drinking Water and Sanitation; Urban Development

Purpose:

Make India clean

Build toilets
End open defecation

Two Parts:

Swachh Bharat Urban
Swachh Bharat Gramin

19. Digital India Mission

Launch Year

2015

Purpose:

Promote digital services
Cashless payments
Internet access for all
Digital governance

20. Quick Revision Table

Scheme	Full Form	Purpose	Ministry
PM-KISAN	Kisan Samman Nidhi	Income support	Agriculture
MNREGA	Rural Employment Guarantee	100 days job	Rural Development
PMJDY	Jan Dhan Yojana	Bank accounts	Finance
PMAY	Awas Yojana	Housing for all	Urban/Rural Dev
PMEGP	Employment Generation	Micro enterprises	MSME
PMFBY	Fasal Bima	Crop Insurance	Agriculture
Ayushman Bharat	PMJAY	Health insurance	Health
PMUY	Ujjwala	LPG to poor	Petroleum
PMKVY	Kaushal Vikas	Skill training	Skill Development
Stand-Up India	Entrepreneurship	Loans	Finance
APY	Pension Yojana	Pension	Finance
NRLM	Livelihood Mission	SHGs	Rural Dev