Central Government Schemes for Welfare in India

The Government of any country always try to improve the Welfare of their society, reduce poverty rate, improvements in technology, sex ratio, to decrease mortality rate because of this they introduced some new schemes time to time.
We have a collection of some very highlighted scheme that has been introduced in recent years.
These are listed below


Agriculture is the most important sector of Indian economy whether it be the pre-independence and post-independence periods. 49 percent of Indian population depends on the agriculture sector it makes more important sector than the industry and service sector.

On 13th January 2016, The government of India had launched a new agricultural insurance scheme for the farmers of our country, Which would help them to reduce the burden of their loan which they have taken and it is also an initiative for the safety of there production.


(i) Premium of only 2% to be paid for KHARIF crops by farmers,1.5% for all RABI crops,
(ii) the premium to be paid by farmers is 5% in HORTICULTURAL crops,

(iii) Government provided insurance coverage and financial support to the farmers if uncertainty will happen like-   crop loss, natural calamities etc,

(iv) 25% of the likely claim will be settled directly on the farmer’s account,

(v) Establishment of an insurance company for all the state of India,

(vi) Encouragement of the use of Technology, Modifying the cropping pattern.


Make in India was launched in the September 2014 by the government of India. It is a type of Swadeshi   Movement which encourages the multinational as well as domestic companies to manufacture their products in   India. The Government of India tries to boost the level of entrepreneurship in the all the sector of the economy.   The main objective of this scheme is to create more jobs and opportunities in India.


(i) To focus on job creation and  skill enhancement in the 25 key sectors of the economy including automobile,   electrical machinery,  food processing, Pharmaceutical  etc,

(ii) As You know India is a mixed economy, therefore, government of India wants to attract both capital and   Technology investment,

(iii) 100 smart cities,

(iv) Re-entry of Black Money,


Financial Inclusion is an important priority of the government. Pradhan Mantri Jan Dhan Yojana is a mission to achieve the objectives of financial inclusion by expanding financial services namely Banking – savings and Deposit account, Remittance, Credit, Pension etc.

You can be open Jan Dhan account in any bank branch with zero balance.


(i) Accidental insurance cover of Rs.1 lakh,

(ii) No minimum balance required,

(iii) Interest on Deposit,

(iv) After satisfactory operation of the account for 6 months, an overdraft facility will be permitted,

(v) Overdraft facility up to Rs.5000/per account holders.


Pradhan Mantri Awas Yojana was launched on 2015 it is an initiative by the government of India in which affordable housing will be provided to the poor people of our country at a very cheap rate by the year 2022.

The main objective of this scheme is “housing for all by 2022”. More than 2 crore homes to be built in next seven years.

(i) Redevelopment plan of slums,
(ii) Affordable housing through credit-linked subsidiary,
(iii) Affordable housing in partnership with private and government fundings.


The startup India scheme was launched by the government of India in January 2016 with a slogan of Startup India and Stand up India. This campaign was first announced by Narendra Modi during 15th August 2015, addressed from the Red Fort, New Delhi. The objective of this system is to build a strong ecosystem, to sustain economic growth and to generate large-scale employment opportunities.

(i) To attract more entrepreneurs,
(ii)employment generation,
(iv)To permote foreign exchange reserves.


The Current Prime Minister of India Shri Narendra Modi launched  Beti Bachao Beti Padhao  Initiative in Haryana on 22 January 2015. It is a very important scheme that’s the main objective is to make an equilibrium between child sex ratio and empowerment of women in India. According to the census report of 2011, the number of female per 1000 males in Haryana stands at 879. Maneka Gandhi and her team selected Haryana to launch from.Bollywood actress Madhuri Dixit is the brand ambassador for this camping. The central government has provided Rs.100 crore for this scheme.


The Pradhan Mantri Jeevan Jyoti Bima Yojana is available for only those people who have age group of 18 to 50 and having a bank account. Peoples who joined this scheme before completing 50 years can, however, continue to have the risk of life cover up to the age of 55 years of the two payments of premium. Aadhar would be the primary know your customer for the bank account.

(i) Premium Rs.330 per annum,
(ii) Risk coverage Rs.2 lakh in case of death for any reason,
(iii) This scheme is offered by Life insurance corporation of India.


The Prime Minister of India Shri Narendra Modi has launched the Swachh Bharat Abhiyan on 2nd October 2014. it is the national camping with an aim to clean the streets, roads and infrastructure of the country.
This campaign has a clear view of a clean India by 2nd October 2019 the 150th birthday of Mahatma Gandhi. It is expected to cost Rs.62000 crore. Funds will be shared between central government and state government.


The Union government has launched rural electrification scheme named Deendayal Upadhyaya Gram Jyoti Yojana. It replaced the existing Rajiv Gandhi Grameen Vidyutikaran Yojana. The central government approved Rs.43033 crore for this scheme.


The Atal Pension Yojana will focus on all citizen in the unorganised sector to join the national pension system administrator by the Pension Fund Regulatory and development authority and who are not members of any statutory social security scheme.

(i)Minimum age for joining is 18 years and maximum age is 40 year,
(ii) Mainly targeted at the unorganised sector.

Report: Navneet Sinha

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