State and National Schemes for Underprivileged by Sreejita Deb







West Bengal has an adolescent (10-19 years) population of 1.73 Crores, out of which 48.11% are girls. At this period of adolescence, child marriage and trafficking are issues of major social concern which adversely affect the education, health, nutritional status, growth and development of girls. In this context Kanyashree Prakalpa is an innovative scheme of the Government of West Bengal with the power of creating an enabling environment to elevate the education, health and nutrition status of women and children throughout the State.


The scheme aims at improving the status and well being of girl child in various ways. It discourages early marriage of girls to ensure compliance with the legal provisions pertaining to the minimum age at marriage. It encourages education of girl children in Secondary and Higher Secondary classes and those undergoing vocational training or sports training through scholarships. It helps in reducing the incidence of dropouts, especially amongst girls from poor families. The project improves IMR and MMR by delaying the age of marriage and consequently increasing the median age of first birth. It eradicates under nutrition and malnutrition of girl child. It prevents trafficking and exploitation of the girl child.


The Kanyashree Yojana is defined around a certain eligibility criteria. It is accessible for the girls who are:

  • Unmarried and Residents of West Bengal
  • From the age of 13 to 18 years in families with maximum annual income of Rs.1,20,000/-. This capping on annual income is not valid for the girl child who has lost both parents or is 40% (or more) physically challenged
  • Regular students pursuing education or vocational and sports training
  • Within the age of 18 to 19 years from Child Care institutes enlisted under J.J.Act of 2000
  • Completing the age of 18 years on or after 1st April 2013- For one-time grant amount


  • Age proof document – Copy of Birth Certificate.
  • A statement declaration of being unmarried.
  • Income certificate.
  • Certificate of enrolment and attendance by Head of Institution of Education or Training.
  • Copy of Certificate of Disability (for handicapped girls)
  • Photo copy of bank passbook.


The WB Joy Bangla Pension Scheme is launched in two phases. The emphasis of the Scheme is to provide pension to the socially backward category people of the states i.e. Schedule caste and schedule tribe.  The scheme benefits are different for SCs and STs. The authority has  also mentioned different names under the scheme for the backward class  people availing the scheme. The Taposali Bandhu Pension Scheme is announced for the Scheduled Caste Community while the Jai Johar Pension Scheme for the Scheduled Tribe Community. Both schemes will prove to be a blessing for the people availing of the scheme.

The Taposali Bandhu and Jai Johar pension scheme will provide the  pension amount of Rs 600 and Rs 1000 among all the pension beneficiaries  respectively. The pension scheme has several eligibility criteria.  Applicants are requested to go through the complete article, so that  that they can gather essential information regarding the pension schem


  • To apply for the scheme, the applicant must be a permanent resident of the state of West Bengal, Other state residents cannot apply for this scheme.
  • The applicant who belongs to the BPL category is eligible for the scheme.
  • Under the Taposali Bandhu and Jai Johar scheme, only SC’s and ST’s are eligible.
  • Disabled people from reserved classes can also apply for the scheme.
  • As per the state law, the person must be above 60 years to avail of the pension scheme offered by the Government.
  • The applicant applying for the J0y Bangla Pension Scheme must not be enrolled in other pension schemes of the Government of West Bengal.


3.Pradhan Mantri Garib Kalyan Yojana-(National Scheme)

The Union  Finance & Corporate Affairs Minister Smt. Niramla Sitharaman  announced Rs 1.70 Lakh Crore relief package under Pradhan Mantri Garib  Kalyan Yojana for the poor to help them fight the battle against  Coronavirus.

Here are Pradhan Mantri Garib Kalyan Yojana packages:

Safai  karamcharis, ward-boys, nurses, ASHA workers, paramedics, technicians,  doctors and specialists and other health workers would be covered by a  Special insurance Scheme.

Any  health professional, who while treating Covid-19 patients, meet with  some accident, then he/she would be compensated with an amount of Rs 50  lakh under the scheme.

To  ensure adequate availability of protein to all the above mentioned  individuals, 1 kg per family, would be provided pulses according to  regional preferences for next three months. These pulses would be  provided free of cost by the Government of India.

Under PM Garib Kalyan Yojana, gas cylinders, free of cost, would be provided to 8 crore poor families for the next three months.

Wage-earners  below Rs 15,000 per month in businesses having less than 100 workers  are at risk of losing their employment. Under this package, government  proposes to pay 24 percent of their monthly wages into their PF accounts  for next three months.

There  are around 3 crore aged widows and people in Divyang category who are  vulnerable due to economic disruption caused by Covid-19. Government  will give them Rs 1,000 to tide over difficulties during next three  months.

The process has been kept simple. All an applicant has to do is open a Jan Dhan Account in any bank that has been authorised by the Reserve Bank of India. As the applicant furnishes income documents, they will be screened and if the applicant is confirmed to be eligible, he/she will receive benefits of the scheme.

Garib Kalyan Rojgar Yojna apply online process

  • Visit the official website “” which is the official site for Garib Kalyan Rojgar Yojana registration.
  • Check “Notification” > About ‘PMO Garib Kalyan Rojgar Yojana’ > Yojana Launched for migrant workers and rural citizens.
  • Click the Apply Online Link.
  • Complete form filling process.
  • Download the submitted online Application Form.
  • Garib Kalyan Rojgar Yojna Eligibility criteria for migrant workers
    • The applicants must be a citizen of the state which came under the scheme
    • Applicant must hold an Aadhaar card
    • The applicant must be of above 18 years.

4.Pradhan Mantri Jan Dhan Yojana (PMJDY)-(National Scheme)

Prime  Minister announced Pradhan Mantri Jan Dhan Yojana as the National  Mission on Financial Inclusion in his Independence Day address on 15th  August 2014, to ensure comprehensive financial inclusion of all the  households in the country by providing universal access to banking  facilities with at least one basic bank account to every household,  financial literacy, access to credit, insurance and pension facility.  Under this, a person not having a savings account can open an account  without the requirement of any minimum balance.

PMJDY offers  unbanked persons easy access to banking services and awareness about  financial products through financial literacy programmes. In addition,  they receive a RuPay debit card, with inbuilt accident insurance cover  of Rs. 2 lakh, and access to overdraft facility upon satisfactory  operation of account or credit history of six months.

The facility

In  view of this coronavirus spread and lockdown situation, the government  has announced various packages. Under the package, the government will  provide 5 kg of wheat or rice and 1 kg of pulses free every month for  the next three months. Besides, 204 million women Jan Dhan account  holders will get Rs 500 per month for the next three months.

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.

Account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet.


THEY  can download the application form for Pradhan Mantri Jan Dhan Yojana from the scheme’s official website, fill it out, and submit it at the local bank branch. They will also have to provide some documents along with the form to avail this scheme like Voter ID Card.

  • Driving License.
  • PAN Card.
  • Passport.
  • NREGA Card.

5.Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)-(National Scheme)

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) is a Central Sector scheme with 100% funding from Government of India.

Under  the Scheme an income support of Rs.6000/- per year is provided to all  farmer families across the country in three equal installments of  Rs.2000/- each every four months.

The facility

The  first installment of Rs 2,000 under the Pradhan Mantri Kisan Yojana  will be frontloaded to reach 87 million farmers in April.

Who is eligible for PM Kisan scheme?

  • Landholding farmers’ families with cultivable landholding in their names can apply under this scheme
  • Farmers from both the urban and rural areas
  • Small and marginal farmers families

How to register for PM Kisan Samman Nidhi

  • Farmers have to approach the local revenue officer (patwari) or a nodal officer (nominated by the state government)
  • The Common Service Centres (CSCs) have also been authorized to do the registration of the farmers for the Scheme upon payment of fees

Documents required to register under PM-Kisan Yojana


Aadhaar is mandatory.


Apart from Aadhaar, citizenship certificate, landholding papers and  bank account details have to be submitted to the concerned authorities.

National Social Assistance scheme-(National Scheme)

  Launched in 1995, this is a centrally sponsored scheme aimed at  providing financial assistance to the elderly, widows, and people with  disabilities in the form of social pensions.

Who can avail?

– Anyone above 60 years and below the poverty line (BPL)

– BPL widows who fall in the age group of 40 to 64

– BPL people with more than 80% disability and are above 18 years

How to apply

  1. To apply to this scheme, the applicants in the rural area must visit the Block Development Office and the District Social Welfare Officer to apply for the IGNOAP scheme in the urban area.
  2. Visit the Social Welfare Department in your area and get the application form.

6. Sukanya Samriddhi Yojna (SSY)-(National Scheme)

  Narendra Modi launched the Sukanya Samridhi scheme, under the ‘Beti  Bacho, Beti Padhao’ campaign on 22nd January 2015. The aim of this  scheme is to meet the education and marriage expenses of a girl child.


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.

  • The Sukanya Samriddhi Yojana account can be opened in the name of a girl child, by her parents or legal guardians, any time before the girl child attains 10 years of age.
  • Only one account per girl child is allowed.
  • The natural or legal guardian can open account for a maximum of two girl children only
  • A third account can only be opened in the event of twin girls as second birth or if the first birth results into three girl children, on production of certificate from competent medical authorities
  • The account holder has to be an Indian citizen and resident in India at the time of account opening and has to remain so until maturity or closure of account.

Documents required-

  • SSY Account Opening form
  • Birth Certificate of the girl child, having the child’s name on it
  • Photograph of the parent/ legal guardian of the girl child
  • KYC Documents (Identity & Address Proof) of the parent/ guardian.
  • For the list of KYC documents,

What are the features?

– It permits opening of one account per girl child. A family can have a maximum two accounts, if there are 2 girl children.

– However, a third account can also be opened ..

7. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (ABPMJAY)-(National Scheme)

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-

  • The process is paperless and cashless in public hospitals
  • Free treatment available at all public and private hospitals (listed by government) in times of need.
  • No limit on the age and size of the family
  • Scheme covers all pre-existing conditions from the time the scheme comes into force.
  • The insurance covers pre and post-hospitalisation expenses.

Eligibility Criteria:

In the rural areas, the PMJAY health cover is available to: 

  • 1) Those living in scheduled caste and scheduled tribe households
  • 2) Families with no male member aged 16 to 59 years
  • 3) Beggars and those surviving on alms
  • 4) Families with no individuals aged between 16 and 59 years
  • 5) Families having at least one physically challenged member and no able-bodied adult member
  • 6) Landless households who make a living by working as casual manual labourers
  • 7) Primitive tribal communities
  • 8) Legally released bonded labourers
  • 9) Families living in one-room makeshift houses with no proper walls or roof
  • 10) Manual scavenger families

In the urban areas, those who can avail of the government-sponsored scheme consist mainly of: 

  • 1. Washerman / chowkidars
  • 2. Rag pickers
  • 3. Mechanics, electricians, repair workers
  • 4. Domestic help
  • 5. Sanitation workers, gardeners, sweepers
  • 6. Home-based artisans or handicraft workers, tailors
  • 7. Cobblers, hawkers and others providing services by working on streets or pavements
  • 8. Plumbers, masons, construction workers, porters, welders, painters and security guards
  • 9. Transport workers like drivers, conductors, helpers, cart or rickshaw pullers
  • 10. Assistants, peons in small establishments, delivery boys, shopkeepers and waiters


There is no special Ayushman Bharat registration  procedure pertaining to PMJAY. This is because PMJAY applies to all  beneficiaries as identified by the SECC 2011 and those who are already  part of the RSBY scheme. However, here’s how you can check if you are  eligible to be a beneficiary of PMJAY.

  • Visit and click on ‘Am I Eligible’
  • Enter your mobile number and the CAPTCHA code and click on ‘Generate OTP’
  • Then select your state and search by name/ HHD number/ ration card number/ mobile number
  • Based on the search results you can verify if your family is covered under PMJAY

Alternatively, to know if you are eligible for  PMJAY you can approach any Empanelled Health Care Provider (EHCP) or  dial the Ayushman Bharat Yojana call centre number: 14555 or  1800-111-565

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