Schemes: For Underprivileged by Anjali Maurya


Name – Anjali maurya
City- new Delhi
Locality- Sangam vihar
For a long time, these people could not utilise the benefits of various scheme simply because they did not know about it.
Here are some schemes for underprivileged section:

1) Pradhan Mantri Jan Dhan Yojana (PMJDY)
This central scheme offers a platform for universal access to banking services, like basic savings bank account, remittances facility, insurance and pension. As per the Government, of the total accounts opened, 60 per cent are in rural areas and 40 per cent in urban areas. Share of female account holders is about 51 per cent.
Key Points:
1. There are no criteria for minimum balance
2. Overdraft of Rs. 10,000 is available for one account per household, preferably lady of the household.
3. 4 per cent interest per annum on opening the account
4. Accidental insurance cover of Rs 1 lakh
5. Life insurance cover of Rs. 30,000
Documents required:
1. Driving license
2. Passport
3. PAN (Permanent Account Number) Card
4. The Voter’s ID issued by Election Commission of India
5. Aadhar Card
6. Any document which has been notified by the Central Government in consultation with the Regulator
7. NREGA issued job card which has been signed by a state government officer

Eligibility Criteria: Anyone from the weaker section of the society. Minors below 10 can also avail the scheme provided a guardian is available to maintain the account.
Where to apply: Account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet. To know more click here.

2) Pradhan Mantri Jeevan Jyoti Bima Yojana
This scheme is a one-year renewable life insurance plan. A life cover of Rs 2 lakh is provided at an annual premium of Rs 330 payable at the time of renewal of the plan. The premium will be deducted from the account holder’s savings bank account through ‘auto debit’ facility.
Key Points:
1. Income Tax benefits and exemptions will be available as per the income tax laws which are subject to change from time to time.
2. If one wishes to exit the scheme at any point, she/he may join again in future by submitting a declaration of good health in the prescribed proforma.
3. There is no maturity or surrender benefit under this plan.
4. Account holder’s insurance will be terminated once she/he attains the age of 55
5. Account can also be closed due to insufficiency of balance for debiting premium or if the bank shuts down.
Eligibility Criteria: People aged between 18-50 who hold a savings account can apply for the scheme.
Steps to be taken by the Nominee
1. Nominee to approach the bank wherein the member was having the ‘savings bank account’ through which he/she was covered under PMJJBY, along with the death certificate of the member.

2. Nominee to collect claim form, and discharge receipt, from the bank or any other designated source like insurance company branches, hospitals, insurance agents etc., including from designated websites.

3. Nominee to submit duly complete claim form, discharge receipt, death certificate along with a photocopy of the cancelled cheque of the nominee’s bank account(if available) or the bank account details to the bank wherein the member was having the ‘savings bank account’ through which he/she was covered under PMJJBY.

Where to apply: The form can be downloaded online and can be submitted to your bank. A few banks also offer SMS and net banking-based enrollment. Click here to know more

3) Sukanya Samriddhi Yojana (SSY)
Part of the Beti Bachao, Beti Padhao Yojana, SSY aims to meet education and marriage related expenses of the girl child.
Key Points
1. Tax deduction benefits of up to Rs 1.5 lakh
2. In one financial year, minimum amount of Rs 1,000 and maximum Rs 1.5 lakh can be deposited.
3. The parent or guardian will have to invest for 15 years from the date of account opening. Thereafter the account will continue to earn interest till maturity.
4. If the girl wants, she can remove 50 per cent of the amount from the account after attaining the age of 18 years for higher education purposes.
Eligibility Criteria: Account can be opened only in the name of girl child who is below the age of 10 at the time of opening of the account. Only two SSY accounts are permitted per family.
Documents required to open an account
I. Birth certificate of the girl child
II. Photo ID of applicant parent or legal guardian
III. Address proof of applicant parent or legal guardian
IV. Other KYC proofs such as PAN, Voter ID.

Where to apply: The application form can be obtained from a nearby post office or public/private bank.

4) Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (ABPMJAY)
Touted as the world’s largest health insurance scheme, ABPMJAY was launched to cover ten crore poor families in urban and rural areas. It offers an insurance cover of Rs 5 lakh per family.

Key Points
1. The process is paperless and cashless in public hospitals
2. Free treatment available at all public and private hospitals (listed by government) in times of need.
3. No limit on the age and size of the family
4. Scheme covers all pre-existing conditions from the time the scheme comes into force.
5. The insurance covers pre- and post-hospitalization expenses.
Eligibility Criteria: People from economically backward section including families with no adult members between 16 and 59, families with one disabled member, manual scavengers, tribal groups, ragpicker, beggar, domestic help, construction workers, sanitation workers, public transport drivers, waiters, peons, mechanic, etc.
the list of documents required to apply for PMJAY scheme:
• Identity and Age Proof (Aadhaar Card/PAN Card)
• Details of your mobile number, email address and residential address.
• Caste certificate
• Income certificate
• Documents stating your current family status.

To know more

5) National Social Assistance Programme (NSAP)
The NSAP is a social security scheme for the welfare of elderly, disabled, widows and families whose primary breadwinner has died. The scheme is supposed to fulfill article 41 of the Indian Constitution which directs the Centre and State governments to support unemployed, elderly, sick and disabled citizens.
Key Points: It comprises the following sub-schemes:
1. Indira Gandhi National Old Age Pension Scheme (IGNOAPS): Monthly, beneficiary gets Rs 200 up to 79 years and Rs 500 from once the beneficiary turns 80
2. Indira Gandhi National Widow Pension Scheme: Widow (between 40-49) get Rs 200 from both State and Central government.
3. Indira Gandhi National Disability Pension Scheme: An adult from BPL with an 80 per cent disability gets Rs 200 from both State and Central government.
4. Annapurna Scheme: The beneficiary gets 10 kilos of food grains like rice and wheat every month.
5. National Family Benefit Scheme: A BPL family is eligible to get a lump sum of Rs 20,000 in case the breadwinner (aged between 18-64) dies
Eligibility Criteria: People from Below Poverty Line families can avail the scheme. Depending on the sub-scheme, the criteria changes. To know more click here.
All the schemes can be availed by people residing in rural and urban areas. Empower a person socially and financially by informing them about these schemes

6. National Child Labour Project (NCLP) Scheme
The National Child Labour Project (NCLP) Scheme is a Central Sector Scheme. Under this Scheme the District Project Societies (DPS) are set up at the district level under the Chairmanship of the Collector/District Magistrate for overseeing the implementation of the project.
Key points:
1. This is the major Central Sector Scheme for the rehabilitation of child labour.
2. The Scheme seeks to adopt a sequential approach with focus on rehabilitation of children working in hazardous occupations & processes in the first instance.
3. Under the Scheme, survey of child labour engaged in hazardous occupations & processes has been conducted.
4. The identified children are to be withdrawn from these occupations & processes and then put into special schools in order to enable them to be mainstreamed into formal schooling system.
5. Project Societies at the district level are fully funded for opening up of special schools/Rehabilitation Centers for the rehabilitation of child labour.
6. The special schools/Rehabilitation Centers provide:
7. Non-formal/bridge education
• Skilled/vocational t
• Mid-Day
• Stipend @ Rs.150/- per child per month.
• Health care facilities through a doctor appointed for a group of 20 schools.
To know more

Schemes during covid- 19:

Delhi government, announced free and increased rations for the beneficiaries under the public distribution scheme and also doubled the pensions given to widows, senior citizens and disabled persons in a bid to alleviate the problems being faced by the underprivileged sections of the society because of the restrictions imposed to curb the spread of coronavirus.
The Delhi government said it will provide free ration to public distribution system cardholders till November to mitigate the hardships caused to them due to the coronavirus pandemic
In Delhi, more than 17.54 lakh households are covered under the National Food Security (NFS) Act.

Nearly 71,40,938 people get subsidized food grains from the Delhi government. These also include 68,465 Antyodaya Anna Yojna (AAY) households with 2,78,954 beneficiaries. The NFS beneficiaries are given 5 kg food grains every month, including 4 kg wheat and 1 kg rice.

Regular entitlement under the AAY category is 25 kg wheat, 10 kg rice and 1 kg sugar per household. The Delhi government had earlier provided free ration to the NFS beneficiaries for April-June.

One Reply to “Schemes: For Underprivileged by Anjali Maurya”

  • very informative in nature. we could turn information like this into infographics so the brief info could be accessible to many!

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