Complete Government Schemes

7/19/2015
Prime Minister to Launch Make in India Initiative
Press Information Bureau

Government of India
Ministry of Commerce & Industry
24-September-2014 15:32 IST

Prime Minister Shri Narendra Modi will launch Make in India initiative on 25th September 2014 from Vigyan Bhawan in
New Delhi. The launch will be at both national level, state level and in Missions abroad. The Make in India initiative has its origin in
the Prime Ministers Independence Day speech where he gave a clarion call to Make in India and Zero Defect; Zero Effect
policy. State Governments, Business Chambers, Indian Missions aboard are playing an active role in the launch of the initiative.
The Government is committed to chart out a new path wherein business entities are extended red carpet welcome in a spirit
of active cooperation. Invest India will act as the first reference point for guiding foreign investors on all aspects of regulatory and
policy issues and to assist them in obtaining regulatory clearances. The Government is closely looking into all regulatory processes
with a view to making them simple and reducing the burden of compliance on investors.
A dedicated cell has been created to answer queries from business entities through a newly created web portal
(www.makeinindia.com). While an exhaustive set of FAQs on this portal will help the investor find instant answers to their general
queries, the back-end support team of the cell would be answering specific queries within 72 hours. A pro-active approach will be
deployed to track visitors for their geographical location, interest and real time user behaviour. Subsequent visits will be customised
for the visitor based on the information collected. Visitors registered on the website or raising queries will be followed up with
relevant information and newsletter. Investor facilitation cell will provide assistance to the foreign investors from the time of their
arrival in the country to the time of their departure. The initiative will also target top companies across sectors in identified countries.
The Make in India initiative also aims at identifying select domestic companies having leadership in innovation and new
technology for turning them into global champions. The focus will be on promoting green and advanced manufacturing and helping
these companies to become an important part of the global value chain.
The Government has identified 25 key sectors in which our country has the potential of becoming a world leader. The Prime
Minister will be releasing separate brochures for these sectors along with a general brochure. The brochures covering sectors like
automobiles, chemicals, IT, pharmaceuticals, textiles, ports, aviation, leather, tourism and hospitality, wellness, railways among others
will provide details of growth drivers, investment opportunities, sector specific FDI and other policies and related agencies.
Since the new Government took over, a series of initiatives have been taken to revitalise the industrial sector in general and
manufacturing sector in particular. To mention a few:
The process of applying for Industrial License and Industrial Entrepreneur Memorandum has been made online on the e-Biz
website 24*7;
A vast number of Defence items have been de-licensed;
The validity of Industrial license has been extended to three years;
With a view to providing flexibility in working hours and increased intake of apprentices for on the job training, the
Government has decided to amend a number of labour laws;
An advisory has been sent to all Departments/ State Governments to simplify and rationalize regulatory environment which
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includes:
on-line filing of all returns in a unified form;
no inspection without the approval of the Head of the Department, etc.
Recently the Foreign Direct Investment policy has been liberalized. 100% FDI under automatic route has been permitted in
construction, operation and maintenance in specified Rail Infrastructure projects; FDI in Defence liberalized from 26% to 49%. In
cases of modernization of state-of-art proposals, FDI can go up to 100%; the norms for FDI in the Construction Development sector
are being eased.
The government is committed to improving the physical infrastructure. Development of dedicated freight corridors and
investment in improving our ports and airports are underway. These corridors would house Industrial agglomerations along with smart
cities. The private sector would be playing a significant role in these developmental works.
For the manufacturing sector to take advantage of the improved physical infrastructure, the need for having a strong human
capital is recognized. Governments effort would be to equip the working age population with the right kinds of skill so that the
manufacturing sector finds them employable. One of the first decisions that the new Government has taken is to set up a separate
Department of Skill Development and Entrepreneurship.
Various prominent National and International industry leaders are likely to attend the programme to launch the campaign
along with Ministers, senior officials, Ambassadors and opinion leaders.
*****
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Make in India: A Lions Step to boost manufacturing

Government of India
Special Service and Features

Feature
Make in India
*Nirendra Dev
A high spot of the economic scene in a normal circumstance in a parliamentary democracy is the presentation of the budget. But this
fiscal, the major highlight could be the launching of Make in India campaign by the Prime Minister Narendra Modi on September
25, 2014.
The initiative basically promises the investors both domestic and overseas a conducive environment to turn 125 crore population
strong-India a manufacturing hub and something that will also create job opportunities.
Thats in effect a plunge into a serious business but it is also punctuated with two inherent elements in any innovation new avenues
or tapping of opportunities and facing the challenges to keep the right balance. The political leadership is widely expected to be
populist; but Make in India initiative is actually seen as a judicious mix of economic prudence, administrative reforms and thus
catering to the call of peoples mandate an aspiring India.
In the words of the Prime Minister Shri Narendra Modi, the biggest requirement is trust, confidence. I dont know how we have run
our country that we have doubted our own countrymen at every turn. I need to change this vicious cycle. We should not start from
distrust, we should begin with trust. And then he adds on rather aptly: the government should intervene only if theres some
shortcomings.
True to the spirit of this visionary statement, the Make in India policy programme also commits that the campaign represents an
attitudinal shift in how India relates to investors: not as a permit-issuing authority, but as a true business partner.
PM Narendra Modi first made the pitch for 'Make in India' during his maiden Independence Day speech from the ramparts of Red
Fort "If we have to put in use the education, the capability of the youth, we will have to go for manufacturing sector and for this
Hindustan also will have to lend its full strength, but we also invite world powers. Therefore I want to appeal all the people world
over, from the ramparts of the Red Fort, Come, make in India, Come, manufacture in India. Sell in any country of the world but
manufacture here. We have got skill, talent, discipline, and determination to do something. We want to give the world an favourable
opportunity that come here, Come, Make in India and we will say to the world, from electrical to electronics, Come, Make in
India, from automobiles to agro value addition Come, Make in India, paper or plastic, Come, Make in India, satellite or
submarine Come, Make in India. Our country is powerful. Come, I am giving you an invitation. Brothers and sisters, I want to call
upon the youth of the country, particularly the small people engaged in the industrial sector. I want to call upon the youth working in
the field of technical education in the country. As I say to the world Come, Make in India, I say to the youth of the country it
should be our dream that this message reaches every corner of the world, Made in India. This should be our dream.
This is a path-breaking venture. In fact, the vision statement of official website, www.makeinindia.gov.in commits to achieve for the
country among other things an increase in manufacturing sector growth to 12-14 % per annum over the medium term, increase in the
share of manufacturing in the countrys Gross Domestic Product from 16% to 25% by 2022 and importantly to create 100 million
additional jobs by 2022 in the manufacturing sector alone. These are quite highly ambitious targets given the background that the
manufacturing sector in India, which accounts for fourth-fifth of the total output, grew a meagre 3.3 per cent in January 2010.
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Achievable Targets:
Target of an increase in manufacturing sector growth to 12-14% per annum over the medium term.
An increase in the share of manufacturing in the countrys Gross Domestic Product from 16% to 25%
To create 100 million additional jobs by 2022 in manufacturing sector.
Creation of appropriate skill sets among rural migrants and the urban poor for inclusive growth.
An increase in domestic value addition and technological depth in manufacturing.

Enhancing the global competitiveness of the Indian manufacturing sector.
Ensuring sustainability of growth, particularly with regard to environment.
by 2022.
Tapping Golden Opportunity:

Now let us look at the opportunity, the initiative can actually benefit India from the ground reality, especially when the Chinese
manufacturing leaps have come under strain. There are already reports that several western manufacturing players operating in China
want to move away from the worlds largest manufacturing hub.
Analysts say, Chinese wages are going up and the labour market is getting more challenging and that is driving away investors. Thus
companies with operating factories in China should look for other alternatives in the region, such as Vietnam, Indonesia and of course
India.
What are the advantages Indian business and especially manufacturing sector actually offer?
The country is expected to rank amongst the worlds top three growth economies and amongst the top three manufacturing
destinations by as early as 2020. This is far more ambitious scene than promised about 2050 sometime back in the context of Indias
role at the BRICS level. Indian manufacturing sector has positive elements like favourable demographic dividends for the next 2-3
decades. The sustained availability of quality workforce is another advantage.
Importantly again, in India, the cost of manpower is relatively low as compared to other countries. There are responsible business
houses operating with credibility and professionalism. The country has a democratized polity vis--vis the rule of law and a strong
consumerism intake ability of the domestic market.
Various speakers on September 25 at the launch of Make in India programme also spoke about robust technical and engineering
capabilities backed by top-notch scientific and technical institutes as other positive offerings on the table.
Favourable Milestones:
India has already marked its presence as one of the fastest growing economies of the world.
The country is expected to rank amongst the worlds top three growth economies and amongst the top three manufacturing
destinations by 2020.
Favourable demographic dividends for the next 2-3 decades. Sustained availability of quality workforce.
The cost of manpower is relatively low as compared to other countries.
Responsible business houses operating with credibility and professionalism.
Strong consumerism in the domestic market.
Strong technical and engineering capabilities backed by top-notch scientific and technical institutes.
Well-regulated and stable financial markets open to foreign investors.
The government has also pledged other focused approaches. Among other things, it intends to leverage the existing
incentives/schemes to boost manufacturing.
A technology acquisition and development fund has been proposed for the acquisition of appropriate technologies, the creation of a
patent pool and the development of domestic manufacturing of equipment used for controlling pollution and reducing energy
consumption, official sources said in New Delhi.
This fund will also function as an autonomous patent pool and licensing agency. It will purchase intellectual property rights from patent
holders.
In his speech at the launch of the campaign, the Prime Minister Shri Modi had a vital point to make when he said incentives or taxhttp://www.pib.nic.in/newsite/PrintRelease.aspx
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free announcements do not win over investors. It is obvious theres need to create development and growth oriented environment.
The government has also to deal with an existing menace in bureaucratic functioning. The bureaucratic bottle necks that hinder ease of
doing business need to be removed.
Training of Workforce:
The manufacturing sector cannot develop on its own without skilled labour force and in this context it is heartening to note the
governments initiatives for skill development. The creation of appropriate skill would definitely set rural migrants and the urban poor
on a track towards inclusive growth. That would be a vital step for boosting manufacturing.
The New Ministry for Skill Development and Entrepreneurship has initiated the process of revising the National Policy on Skill
Development. It is significant to note that under the Rural Development ministry, the Modi government has undertaken another new
initiative for skill development under a recast programme named after BJP icon Pt. Deendayal Upadhyaya.
The new training programme envisages setting up of at least 1500 to 2000 training centres across the country and the entire project
would result in an estimated expenditure of Rs 2000 crore and will be run on PPP model.
The new training programme would enable the youths to get jobs in demand-oriented markets like Spain, US, Japan, Russia, France,
China, UK and West Asia. The government proposes to train about 3 lakh youths annually in first two years and by the end of 2017,
it has set a target of reaching out to as many as 10 lakh rural youths.
Other steps:
As part of other steps, there is need to address other issues too like adequate development of basic infrastructures the roads and
the power chiefly. For long, MNCs and software service companies have relished doing business in India due to a robust market with
enhanced purchasing ability of the citizens but in terms of building up manufacturing facilities, India has been a case of also-ran. In
this context it is worth pointing out that a strong political will, business-like approach of bureaucrats and the entrepreneurs, skilled of
workforce along with investment friendly policies can unleash the nations potential.
It is in this context the governments efforts to develop an industrial corridor between Delhi and Mumbai needs to be appreciated.
The government is also working on multi-pronged strategies like development of infrastructure linkages including pioneer plants,
assured water supply, high capacity transportation and logistics facilities.
Carrying on the good works on these fronts, the government also has begun the process of reviving five ailing Public Sector units
(PSUs). Of the 11 PSUs, the government also feels that for six other units that needs to be closed, it is working on one-time
settlement involving voluntary retirement scheme entailing a cost of Rs 1,000 crore VRS for employees.
The state-run units which have been identified by the government for revival include HMT Machine Tools Ltd; Heavy Engineering
Corporation; NEPA Ltd; Nagaland Paper & Pulp Co Ltd; and Triveni Structurals.
*Shri Nirendra Dev is a Special Representative with The Statesman and has written books including 'Modi to Moditva:
An Uncensored Truth
(PIB Features)
Email: - featuresunit@gmail.com
himalaya@nic.in
SS-229/SF-229/30.09.2014
YSK/ Uma
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Atal Mission for

Rejuvenation and Urban
Transformation (AMRUT)
A presentation by the MoUD

June 25, 2015
Purpose of AMRUT
The National Priority is to create infrastructure
to provide basic services to households, and

build amenities
This will improve the quality of life of all,

especially the poor and the disadvantaged.
The infrastructure should lead to provision of
better services to people.
AMRUTs Attributes
Cooperative federalism- Freedom to States/ULBs

to design and implement.
Service Delivery Focus on infrastructure that

leads to delivery of services to citizens.
Reforms Incentivised 10% incentive for Achievement

of Reforms.
Capacity building strategy.
O&M of infrastructure built-in at Planning stage itself.
Focus on Planning before hand
Service Level Improvement Plans (SLIP),
State Annual Action Plan (SAAP).
Thrust Areas
water supply,
sewerage facilities and septage management,
storm water drains to reduce flooding,
pedestrian, non-motorized and public transport

facilities, parking spaces, and
enhancing amenity value of cities by creating and

upgrading green spaces, parks and recreation
centers, especially for children.
Coverage
Five hundred (500) cities will be taken up

having a population greater than one lakh
(100,000)
Funds Allocation
Formula for Allocation to States - total population and

number of statutory urban towns (50:50)
State contribution to the project cost shall not be less than

20%.
Funds distribution
Project fund - 80% of the annual budgetary allocation (90% during

first year).
Incentive for Reforms - 10%
State funds for A&OE - 8%
MoUD funds for A&OE - 2%
Components
AMRUT supports States in creating basic urban infrastructure - Mission
is project based.
Central government assistance
1/2 of project cost to cities
having population < 10 lacs
Schemes covered
Water supply
Sewerage network
Septage management
Storm water drainage
Urban Transport
Green spaces and parks
1/3 of project cost to cities

having population > 10 lacs
Details
O&M for five years will be included
Planning
Prepare the Service Level Improvement Plan (SLIP) -
citizen consultations universal coverage land to be in

possession dovetail with other Missions/Schemes
include O&M use PPP execution by Urban Local
Bodies.
Prepare the State Annual Action Plan (SAAP) three
times the annual allocation.

Project Development and Management Consultants may
be used a RfP is in the Toolkit.
SLIP to SAAP to Execution

Apex Committee allocates annual budget to States
ULBs prepare SLIP in consultation with the citizens and

representatives
SLIPs are aggregated to form the SAAP upto be three times
the Annual Allocation to State
The Apex Committee appraises and approves the SAAP
The ULBs get DPRs prepared for identified projects approved by
the State level Committees after technically appraisal by SLTC
Implementation begins after the detailed technical & financial

appraisal of the DPRs.
Funding
For planning Rs. 25 lakh is being released.
Release of the installment shall be in the ratio of
20:40:40 of the approved project cost.
First Installment shall be released on approval
of SAAP.
2nd and 3rd installments shall be released on
receipt of Utilization certificates and shall be
subject to mobilizing the assured resources as
per SAAP by the States/UTs, and
States to release funds to cities within 7 days.
Funds flow
First Installment
Upon approval of SAAP by Apex Committee, central assistance
released to State.
State releases funds to ULB after including its share, within seven
days.
Subsequent Installments
ULB submits prescribed forms to State.
State consolidates the forms and submits to Apex Committee.
Upon approval by Apex Committee, funds released to State.
State releases the funds to ULB after including its share, with in
seven days.
Appraisal - SLTC
No need to come to the MoUD to be done at
the State level.

State Level Technical Committee (SLTC)
Give technical sanctions,
Ensure resilience to disasters,
Check estimate IRR,

Take corrective action on third party reports,
Appraise DPRs.
Appraisal
ULBs to develop DPRs and bid documents
for projects in the approved SAAP.
ULBs to ensure city level of approvals of

DPRs and bid documents and forward
these to the SLTC/SHPSC for approvals
State Level Technical Committee (SLTC) to

carry out technical and financial appraisal
of the DPRs
Mission Management
National Level Apex Committee (AC) chaired by Secretary (UD)
State Level High Powered Steering Committee (SHPSC) chaired

by State Chief Secretary and SLTC chaired by the Principal
Secretary
District Level Review and Monitoring Committee (DLRMC) cochaired by Member(s) of Parliament with the District Collector
City Level ULBs will be responsible for Implementation of

Mission
Reforms
The Mission mandates a set of 11 reforms which have to be
implemented by all the States and Mission cities.
Each year some Reforms to be implemented and 10% has
been set aside as incentives for States/ULBs graded on basis

of each years reform achievement.
Technical and Financial assistance will be given for Reform
implementation
List of
Reforms
List of Reforms
S.No.
Reform
E Governance
Constitution and Professionalization of Municipal

Cadre
Augmenting Double Entry Accounting
Urban Planning and City Development Plans
Devolution of Funds and Functions
Review of Building by-laws
List of Reforms (Cont..)

S.No.
7
Reform
Set-up financial intermediary at State level
8 (a)
Municipal tax and fees Improvement
8 (b)
Improvement in levy and collection of user

charges
Credit Rating
10
Energy and Water Audit
11
Swachh Bharat Mission
Capacity Building
Capacity Building is part of the SLIP and SAAP
Components of Capacity Building Plan o
Individual Capacity Building Plan MoUD will provide a

list of training institutions and States can link to cities.
to enhance the functional knowledge,
improve the job related skills, and
change the attitude of municipal functionaries
Institutional Capacity Building Plan
to improve institutional outcomes as set out in Reforms

Agenda
Individual Capacity Building

Strategy
Plan to train
at least 30
functionaries
from the four
departments
every year
and all elected
representative
s
The training
to
functionaries
will consist of
three capsules
of three days
each, spread
over a year
The elected
representative
s will be
imparted
training once
at the training
institutes,
including a
site-visit to
learn from
best practices
in India
45,000
officials from
500 urban
local bodies
will be trained
upto June
2018. Capacity
building can
be taken up
for NonMission cities
also
To Do
Rs. 25 Lakh is being released to each AMRUT city

for preparation of SLIP & SAAP.
Prepare Capacity Building Plan.
Start the preparation of SLIPs planning,

designing of projects, preparation of DPRs and
project management.
Submit SAAP as quickly as possible to get the

funds released (first installment) and start work.
Thank You
www.AMRUT.gov.in
BRIEF OF ATAL PENSION YOJANA
BROCHURE
The Government of India is concerned about the old age
income security of the working poor and is focused on
encouraging and enabling them to save for their retirement.
To address the longevity risks among the workers in
unorganized sector and to encourage the workers in
unorganized sector to voluntarily save for their retirement
Logoof
Product
ATAL PENSION YOJANA

JAN DHAN TO JAN SURAKHSHA
Guaranteed Pension by
Govt. of India
The GoI has therefore announced a new scheme called Atal

Pension Yojana (APY)1 in 2015-16 budget. The APY is
focussed on all citizens in the unorganized sector.
The scheme is administered by the Pension Fund

Regulatory and Development Authority (PFRDA) through
NPS architecture.
HIGHLIGHTS OF ATAL PENSION YOJANA
Under the APY, there is guaranteed minimum monthly

pension for the subscribers ranging between Rs. 1000
and Rs. 5000 per month.
The benefit of minimum pension would be guaranteed

by the GoI.
GoI will also co-contribute 50% of the subscribers

contribution or Rs. 1000 per annum, whichever is lower.
Government co-contribution is available for those who
are not covered by any Statutory Social Security
Schemes and is not income tax payer.
GoI will co-contribute to each eligible subscriber, for

a period of 5 years who joins the scheme between the
period 1st June, 2015 to 31st December, 2015. The
benefit of five years of government Co-contribution
under APY would not exceed 5 years for all subscribers
including migrated Swavalamban beneficiaries.
All bank account holders may join APY.
(a landmark move by GoI towards pensioned society from

pension less society)
Eligibility
1
TheSchemeissubjecttotheapprovaloftheGovernment.
APY is applicable to all citizen of India aged between

18-40 years.
Aadhaar will be the primary KYC. Aadhar and mobile

number are recommended to be obtained from
subscribers for the ease of operation of the scheme. If
not available at the time of registration, Aadhar details
may also be submitted later stage.
BROCHURE
Charges for default
Indicative Monthly Contribution Chart

Banks are required to collect additional amount for delayed
payments, such amount will vary from minimum Re 1 per month
to Rs 10/- per month as shown below:
Re. 1 per month for contribution upto Rs. 100 per

month.
Age
of
Monthly
pensionof
Rs1000.
Monthly
pensionof
Rs2000
Monthly
pensionof
Rs3000
Monthly
pensionof
Rs4000
Monthly
pensionof
Rs5000.
Re. 2 per month for contribution upto Rs. 101 to 500/per month.
Entry
18
42
84
126
168
210
Re 5 per month for contribution between Rs 501/- to

1000/- per month.
20
50
100
150
198
248
Rs 10 per month for contribution beyond Rs 1001/- per

month.
25
76
151
226
301
376
30
116
231
347
462
577
35
181
362
543
722
902
40
291
582
873
1164
1454
The fixed amount of interest/penalty will remain as part of the

pension corpus of the subscriber.
Important information for subscriber:
Discontinuation of payments of contribution amount shall lead to
following:
After 6 months account will be frozen.

After 12 months account will be deactivated.
After 24 months account will be closed.
Subscriber should ensure that the Bank account to be funded

enough for auto debit of contribution amount.
Exit :
On attaining the age of 60 years:
The exit from APY is permitted at the age with 100%
annuitisation of pension wealth. On exit, pension would be
available to the subscriber.
In case of death of the Subscriber due to any cause:
In case of death of subscriber pension would be available to the
spouse and on the death of both of them (subscriber and spouse),
the pension corpus would be returned to his nominee.
Exit Before the age of 60 Years:
Exit before 60 years of age is not permitted however it is
permitted only in exceptional circumstances, i.e., in the event of
the death of beneficiary or terminal disease.
BROCHURE
Administered by:
Pension Fund Regulatory and Development Authority
1stFloor,ICADRBuilding,PlotNo.6,VasantKunj
InstitutionalArea,PhaseII,NewDelhi110070
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Beti Bachao Beti Padhao (BBBP) Scheme

Government of India
Ministry of Women and Child Development
05-December-2014 15:32 IST
Beti Bachao Beti Padhao (BBBP) Scheme

Government of India has introduced the Beti Bachao, Beti Padhao (BBBP) scheme for survival, protection & education of the girl
child. It aims to address the issue of declining Child Sex Ratio (CSR) through a mass campaign across the country targeted at
changing societal mindsets & creating awareness about the criticality of the issue. The Scheme will have focussed intervention &
multi-sectoral action in 100 districts with low Child Sex Ratio.
The criteria/norms for selection/identification of 100 districts under the BetiBachaoBetiPadao programe are as under:i) 87 Districts have been selected from 23 States/UTs having Child Sex Ratio below the National average of 918.
ii)
8 Districts have been selected from 8 States/UTs having Child Sex Ratio above National average of 918 but
showing declining trend
iii)
5 Districts have been selected from 5 States/UTs having Child Sex Ratio above National average of 918 and
showing improving trend so that other parts of country can learn from them.
It is a joint initiative of Ministry of Women and Child Development, Ministry of Health and Family Welfare and Ministry of Human
Resource Development. The Sectoral interventions under the programme include the following:
i)
Ministry of WCD: Promote registration of pregnancies in first trimester in AnganwadiCentres (AWCs);

Undertake Training of stakeholders; Community Mobilization & Sensitization; Involvement of Gender Champions;
Reward & recognition of institutions & frontline workers.
ii)
Ministry of Health & Family Welfare: Monitor implementation of Pre-Conception and Pre-Natal Diagnostic
Techniques (PCP&DT)Act, 1994; Increased institutional deliveries; Registration of births; Strengthening PNDT
Cells; Setting up Monitoring Committees.
iii) Ministry of Human Resource Development: Universal enrolment of girls; Decreased drop-out rate; Girl Child
friendly standards in schools; Strict implementation of Right to Education (RTE); Construction of Functional Toilets
for girls.
As the Beti Bachao, Beti Padhao (BBBP) scheme has been approved recently, no fund allocation has been made so far to the
States.
This information was given by the Union Minister of Women and Child Development, Smt. Maneka Gandhi in a written reply to the
Lok Sabha today.
NB/PS
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Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) - Skill Development for Inclusive Growth

Government of India
Special Service and Features
09-February-2015 15:33 IST
Feature
Ministry of Rural Development/
Republic Day 2015
*L C Goyal
According to Census 2011, India has 55 million potential workers between the ages of 15 and 35 years in rural areas. At
the same time, the world is expected to face a shortage of 57 million workers by 2020. This presents a historic opportunity
for India to transform its demographic surplus into a demographic dividend. The Ministry of Rural Development implements
DDU-GKY to drive this national agenda for inclusive growth, by developing skills and productive capacity of the rural youth
from poor families.
There are several challenges preventing Indias rural poor from competing in the modern market, such as the lack of formal
education and marketable skills. DDU-GKY bridges this gap by funding training projects benchmarked to global standards,
with an emphasis on placement, retention, career progression and foreign placement.
Features of Deen Dayal Upadhyaya Grameen Kaushalya Yojana
Enable Poor and Marginalized to Access Benefits

Demand led skill training at no cost to the rural poor
Inclusive Program Design

Mandatory coverage of socially disadvantaged groups (SC/ST 50%; Minority 15%; Women 33%)
Shifting Emphasis from Training to Career Progression

Pioneers in providing incentives for job retention, career progression and foreign placements
Greater Support for Placed Candidates

Post-placement support, migration support and alumni network
Proactive Approach to Build Placement Partnerships

Guaranteed Placement for at least 75% trained candidates
Enhancing the Capacity of Implementation Partners

Nurturing new training service providers and developing their skills
Regional Focus
Greater emphasis on projects for poor rural youth in Jammu and Kashmir (HIMAYAT),
the North-East region and 27 Left-Wing Extremist (LWE) districts (ROSHINI)
Standards-led Delivery
All program activities are subject to Standard Operating Procedures that are not open to interpretation by local
inspectors. All inspections are supported by geo-tagged, time stamped videos/photographs
Implementation Model
DDU-GKY follows a 3-tier implementation model. The DDU-GKY National Unit at MoRD functions as the policy-making,
technical support and facilitation agency. The DDU-GKY State Missions provide implementation support; and the Project
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Implementing Agencies (PIAs) implement the programme through skilling and placement projects.
Project Funding Support
DDU-GKY provides funding support for placement linked skilling projects that address the market demand with funding
support ranging from Rs. 25,696 to over Rs. 1 lakh per person, depending on the duration of the project and whether the
project is residential or non-residential. DDU-GKY funds projects with training duration from 576 hours (3 months) to 2304
hours (12 months).
Funding components include support for training costs, boarding and lodging (residential programmes), transportation
costs, post-placement support costs, career progression and retention support costs.
In funding projects, priority is given to PIAs offering:
Foreign Placement
Captive Employment: Those PIAs or organizations that take up
skill training to meet internal ongoing HR needs
Industry Internships: Support for internships with co-funding
from industry
Champion Employers: PIAs who can assure skill training and
placement for a minimum of 10,000 DDU-GKY trainees in a span
of 2 years
Educational Institution of High Repute: Institutes with a
minimum National Assessment and Accreditation Council (NAAC)
grading of 3.5 or Community Colleges with University Grants
Commission (UGC)/ All India Council for Technical Education
(AICTE) funding willing to take up DDU-GKY projects
Training Requirements
DDU-GKY funds a variety of skill training programs covering over
250 trades across a range of sectors such as Retail, Hospitality ,
Health, Construction, Automotive, Leather, Electrical, Plumbing, Gems and Jewelry, to name a few. The only mandate is
that skill training should be demand based and lead to placement of at least 75% of the trainees.
The trade specific skills are required to follow the curriculum and norms prescribed by specified national agencies: the
National Council for Vocational Training and Sector Skills Councils.
In addition to the trade specific skills, training must be provided in employability and soft skills, functional English and
functional Informational technology literacy so that the training can build cross cutting essential skills.
Training Quality Assurance
Through the National Policy on Skill Development, 2009, India recognized the need for the development of a national
qualification framework that would transcend both general education and vocational education and training. Accordingly,
GOI has notified the National Skills Qualification Framework (NSQF) in order to develop nationally standardized, and
internationally comparable qualification mechanism for skill training programs which can also provide for interoperability
with the mainstream education system.
In line with NSQF, DDU-GKY mandates independent third party assessment and certification by assessment bodies
empanelled by the NCVT or SSCs.
Scale and Impact
DDU-GKY is applicable to the entire country. The scheme is being implemented currently in 33 States/UTs across 610
districts partnering currently with over 202 PIAs covering more than 250 trades across 50+ sectors. So far, from the year
2004-05 till 30th November 2014, a total of 10.94 lakh candidates have been trained and a total of 8.51 lakh candidates
2/3
7/19/2015
have been given placement.

Even though I couldnt complete my education, I have
been able to create my own identity because of DDUGKY.
Now everyone knows me by my name.
Seema Bharti
Textile Expert,
Orient Craft Limited, Faridabad
Seemas commitment has made her a textile expert
today and is known by one and all in her company. She
is looked at with respect despite not having been able
to complete her education.
*Sh. L C Goyal, Secretary of Ministry of Rural Development.
(PIB Features)
Email: - featuresunit@gmail.com
himalaya@nic.in
SS-279/SF-279/ 3.02.2015
YSK/ Uma
3/3
Whenever one has to appear for a job interview, apply for a passport or open a bank account,
getting the documents attested by a gazetted officer or any authorised signing authority has
always been a big hassle. However, these cumbersome preconditions like attestations and
affidavits are undergoing a landmark reform. In a constant endeavour of the Government to
simplify procedures of attestation and certification, all Central Ministries/Departments as well as
State Government/UTs have been requested to review the existing requirement in this regard and
make provision for self certification, wherever possible.
Background
Self attestation is an essential method to affirm that the copies of documents presented as
proofs of ones identity and whereabouts are true and original. In a country which still functions
on paperwork, a lot of documents have to be submitted along with every form we fill. The last
dates for the forms approach so soon and half of the times we are worrying about where to find a
gazetted officer who will attest the copies of our original documents. We end up calling friends,
relatives to find one person who would attest our documents so that the form gets submitted in
time.
Recently Government of India has asked all its departments and state governments to
make provisions for self-certification and accept documents which are self-attested as a
confirmation of identity in place of attestation by a gazetted officer. This practice has already
been adopted by some of the Central Government agencies and is being introduced in various
states gradually. University Grants Commission has also issued special instructions through
D.O.No.F. 14-1412014(CPP-ll) dated 26th September, 2014 regarding abolition of affidavits and
adoption of self certification. This move comes as a big relief not only to the students but also to
all the individuals associated with the academics.
Self-attestation would save time and money as people will not have to chase officers for
attestation of documents. It has been seen that some of these officers charge for these services
making it a part-time business. In most of the cases one hardly knows the gazetted officer and
getting documents attested by a stranger seems pointless. If the governments idea behind
attestation is an assurance of the persons identity and character then a document attested by a
stranger is useless. The governments initiative of switching over to self-attestation is a welcome
move as it also gives us the opportunity to take responsibility and ownership of our own actions.
No legal hassle in going for this positive change
Self-certification might seem risky as not all self-attested documents will be true but this
puts the blame directly on the person who is attesting false documents. He/she will be solely
responsible for any false documents attested by them.
The advantages of self-attestation are that the public agencies can impose penal liability
for making wrong statements in terms of suspension of the services (suspension of ration card
facilities, disconnection of power supply, etc.). This will save a lot of botheration and sizeable
expenses for the citizen who has to procure stamps/stamp paper which is mostly not available at
the place where the affidavit is to be submitted.
There appears to be no legal problem in adopting this practice. The Indian Penal Code
contains a number of Sections such as 177, 193, 197, 198, 199 and 200. These Sections
specifically deal with the implications of any false information/evidence/disclosure/ declaration
made by the deponents and, any such instances included shall be liable to imposition of
penalties, fines, registration of criminal cases and even imprisonment, as the case may be.
DigiLocker: Another Giant leap
The Department of Electronics & Information Technology (DeitY) has recently
launched an Aadhaar-based e-locker service for storing documents. Users will be able to store
electronic versions of important documents like birth certificates, voters ID cards, academic
documents, etc in the e-locker. They can also electronically sign these documents with the e-sign
facility, which is currently still being tested, and then share them with government organisations
or other entities when required. The sharing of e-documents will be done through a registered
repository, which will ensure that the documents are authentic. This is likely to reduce usage of
fake documents to a certain extent and also minimize time spent on authenticating
documents. To Sign-up for the DigiLocker you need to have an Aadhaar number and a mobile
number registered with Aadhaar.
Following are the key features of the DigiLocker:
i.
Digital Locker of each resident is linked to their Aadhaar number.
ii.
10MB of free space in the locker to securely store resident documents and store links
(URI) of Govt. department or agency issued e-documents. The storage space allocation
will be increased to 1GB in subsequent release.
iii.
eSign online service to digitally sign the documents online without using dongle. For
details please refer to the e-Sign brochure available on the portal
iv.
Sharing of e-documents online with any registered requester agency or department
v.
Download eAadhaar
vi.
List of issuers who have issued e-documents to residents and list of requesters which
have accessed residents documents.
More information on the futuristic service can be found on: https://digitallocker.gov.in/
It is extremely important for all of us to create awareness among the citizens about the
concept of self-attestation which is purely in favour of the commoners. This whole concept
revolves around trust and responsibility. Self-certification is a citizen-friendly initiative by the
government of India that marks a departure from the cumbersome system established since
decades.
Draft Gold Monetization Scheme

I. Objective
The objectives of the Gold Monetization scheme are:
i.
ii.
To mobilize the gold held by households and institutions in the country.

To provide a fillip to the gems and jewellery sector in the country by making
gold available as raw material on loan from the banks.
iii.
To be able to reduce reliance on import of gold over time to meet the domestic
demand.
III. Scope
The scheme requires a vast set-up of infrastructure for facilitating easy and secure
handling of gold. For this reason, it may be possible to launch it initially only in
selected cities. Over time, as the infrastructure for assaying and refining of gold
develops, the scheme can be extended to other cities.
IV. Scheme
The draft outline of the scheme detailed in this section, has been prepared after due
deliberations and consultations with various stakeholders which includes banks,
refineries, hallmarking centres, jewellers associations; RBI; and various government
departments. A schematic representation of the scheme is at Annexure-I.
Draft GMS
I. Purity Verification and Deposit of Gold
Purity Testing Centres: There are at present 350 Hallmarking

Centres that are Bureau of Indian Standards (BIS) certified spread
across various parts of the country (List of the number of centres in
each states is at Annexure-II). These centres may not necessarily be
jewellers. They are engaged in certifying the purity of the gold that the
jewellers manufacture on a daily basis and for which they charge a fee
from the jewellers. These Hallmarking Centres will act as Purity

Testing Centres for the GMS as they are well equipped to conduct a
test of purity of the jewellery in a short span of time.
Preliminary Test: In a Purity Testing Centre, a preliminary XRF

machine-test will be conducted to tell the customer the approximate
amount of pure gold. If the customer agrees, he will have to fill-up a
Bank/KYC form and give his consent for melting the gold. If the
customer does not agree to the XRF machine test, he can take his
jewellery back at this stage. The time spent by the customer will be
about 45 minutes in the centre up till this stage.
Fire Assay Test: After receiving the customers consent for melting the
gold for conducting a further test of purity, at the same collection
centre, the gold ornament will then be cleaned of its dirt, studs, meena
etc. The studs will be handed-over to the customer there itself. Net
weight of the jewellery will be taken after such removals and told to the
customer.Then, right in front of the customer the jewellery will be
melted and through a fire assay, its purity will be ascertained. These
centres have viewing galleries from where the customer can see the
entire process. The time taken is expected not to exceed 3-4 hours.
Deposit of Gold:When the results of the fire assay are told to the
customer, he has a choice of either refusing to accept, in which case he
can take back the melted gold in the form of gold bars, after paying a
nominal fee 1 to that centre; or he may agree to deposit his gold (in
which case the fee will be paid by the bank). If the customer agrees to
deposit the gold, then he will be given a certificate by the collection
centre certifying the amount and purity of the deposited gold.
Conditions:The minimum quantity of gold that a customer can bring is

proposed to be set at 30 grams, so that even small depositors are
encouraged. Gold can be in any form(bullion or jewellery).
The details of the fees as received from the Indian Association of Hallmarking Centres are at Annexure III.
These are only indicative and may change after the consultative process is over.
II. Opening of Gold Savings Account with the banks.
Gold Savings Account: When the customer produces the certificate of

gold deposited at the Purity Testing Centre, the bank will in turn open
a Gold Savings Account for the customer and credit the quantity of
gold into the customers account. Simultaneously, the Purity
Verification Centre will also inform the bank about the deposit made.
Interest payment by banks: The bank will commit to paying an

interest to the customer which will be payable after 30/60 days of
opening of the Gold Savings Account. The amount of interest rate to be
given is proposed to be left to the banks to decide. Both principal and
interest to be paid to the depositors of gold, will be valued in gold. For
example if a customer deposits 100 gms of gold and gets 1 per cent
interest, then, on maturity he has a credit of 101 gms.
Redemption: The customer will have the option of redemption either

in cash or in gold, which will have to be exercised in the beginning
itself (that is, at the time of making the deposit).
Tenure: The tenure of the deposit will be minimum 1 year and with a
roll out in multiples of one year. Like a fixed deposit, breaking of lockin period will be allowed.
Tax Exemption:In the Gold Deposit Scheme (1999), the customers

received exemption from Capital Gains Tax, Wealth tax and Income
Tax. Similar tax exemptions are likely to be made available to the
customers in the GMS after due examination.
III. Transfer of Gold to the Refiners
Refineries: At present there are about 32 refineries in the country. The

laboratories of some of these refineries are NABL accredited which
means that the process that they adopt is certified.BIS has been asked
by this Department to ascertain if it can conduct accreditation of the
products being produced in these refineries also.
Transfer of gold to refineries:Purity Testing Centres will send the gold

to the refiners. The refiners will keep the gold in their ware-houses,
unless the banks prefer to hold it themselves.
Payment: For the services provided by the refiners, they will be paid a
fee by the banks, as decided by them, mutually.
IV. Utilization of Deposited Gold
CRR/SLR: To incentivize banks, it is proposed that they may be

permitted to deposit the mobilized gold as part of their CRR/SLR
requirements with RBI. This aspect is still under examination.
Foreign Currency:Banks may sell the gold to generate foreign

currency. The foreign currency thus generated can then be used for
onward lending to exporters / importers.
Coins: Bank may convert mobilized gold into coins for onward sale to
their customers
Exchanges:Banks to buy and sell on domestic commodity exchanges,

where mobilized gold can be delivered.
Lending to jewellers:For lending to jewellers
V. Lending the Gold to the Jewellers
Gold Loan Account:The jewellers, on the basis of the terms and

conditions of the banks, will get a Gold Loan Account opened at the
bank.
Delivery of gold to jewellers:When a gold loan is sanctioned, the

jewellers will receive physical delivery of gold from the refiners. The
banks will in turn make the requisite entry in the jewellers Gold Loan
Account.
Interest received by banks:The interest rate charged by the banks will

have to cover the following:
Interest rate paid to the depositors of gold
Fee paid to the refiners and Purity Verification Centres.
Profit margin of the banks
The banks can directly get gold from the international market on
a consignment basis and lend it to the jewellers. If this route is
more lucrative, then the entire purpose will get defeated. Thus,
this aspect will also have to be kept in mind, while deciding the
interest rate.
VI. MoU between Banks, Refiners and Purity Testing Centres
The banks will enter into a tripartite MoU with refiners and purity testing
centres, that are selected by them to be their partners in the scheme.
The MoU will clearly lay down the details regarding payment of fee, services to
be provided, standards of service and the details of the arrangements between
the banks, refiners and purity testing centres.
Annexure I
DIAGRAMMATIC FLOW CHART
CUSTOMER
Brings Gold
in any form
Gold Mobilization
Operation
Verifies/Assays the
Gold
Sends
Gold
melting
preparation
standard bars
StoresGol
d in vaults
Gold Lending
Operation
Informs customer/
provides receipts for
the value
Collection/
Assaying Centre
for
&
of
Refinery
Sends Gold
based on
Bank
information
Flow of gold
Gold Savings Account
Informs bank of the

value to be credited to
customer
Tells refinery
to send gold to
the jeweller
Banks
Repays Metal
Loan in cash
Jeweller
Gold Loan Account
Flow of information/equivalent money
Annexure-II
List of Collection Centres
Annexure-III
SCHEDULE OF FEES
1) Melting charges :
a) Minimum charges/upto 100 gms - Rs. 500 per lot
b) 100 gms to 200 gms
- Rs. 600
c) 200 gms to 300 gms
- Rs. 700
d) 300 gms to 400 gms
- Rs. 800
e) 400 gms to 500 gms
- Rs. 900
f) 500 gms to 600 gms
- Rs.1000
g) 600 gms to 700 gms
- Rs. 1100
h) 700 gms to 800 gms
- Rs.1200
i) 800 gms to 900 gms
- Rs.1300
j) 900 gms to 1000 gms
- Rs.1400
2) Testing/fire assaying charges
3) Stone removal charges
Minimum charge
4) Melting loss
- Rs. 300
- at actuals
- Rs. 100
- at actuals
(Information as received from Indian Association of Hallmarking Centres-this is

only indicative and is subject to change after consultations)
7/19/2015
Government announces Deen Dayal Upadhyaya Antyodaya Yojana- DAY for uplift of urban, rural poor

Government of India
Ministry of Housing and Urban Poverty Alleviation
Government announces Deen Dayal Upadhyaya Antyodaya Yojana- DAY for uplift of urban, rural poor
All 4,041 statutory cities/towns to be covered under urban component of DAY
Shri M.Venkaiah Naidu says Rs.500 cr on skill development of urban poor during 2014-15
Minister says, skills stimulate self-worth and nations economy
The Government today announced an overarching scheme for uplift of urban and rural poor through enhancement of
livelihood opportunities through skill development and other means. The scheme has been named as Deen Dayal Antyodaya
Yojana DAY. The announcement was made today by Shri M.Venkaiah Naidu, Minister of Housing & Urban Poverty Alleviation
and Shri Nitin Gadkari, Minister of Rural Development at a National Convention on Skills for Rural and Urban Poor.
The Minister further informed that under the current urban poverty alleviation programmes, only 790 cities and towns are
covered and the government has decided to extend these measures to all the 4,041 statutory cities and towns, there by covering
almost the entire urban population.
Announcing the details of urban component of DAY, Shri Venkaiah Naidu said, Rs.1,000 cr has been provisioned for urban
poverty alleviation during 2014-15. Out of this, Rs.500 cr will be spent on skill development of over 5,00,000 urban poor. He said,
for realizing the Make in India objective, skill development is essential. He observed that If India is to emerge as the
manufacturing base to meet global needs, the only certain way is to empower every youth of the country with the necessary
skills. Skill development has multiple outcomes including enhancing employment opportunities, stimulating economic growth
and promoting self-worth of beneficiaries.
Shri Venkaiah Naidu informed that under the urban component of DAY, focus will be on:
1.Imparting skills with an expenditure of Rs.15,000 Rs.18,000 on each urban poor;
2.Promotion of self-employment through setting up individual micro-enterprises and group enterprises with interest subsidy for
individual projects costing Rs.2.00 lakhs and Rs.10.00 lakhs for group enterprises. Subsidized interest rate will be 7%;
3.Training urban poor to meet the huge demand from urban citizens by imparting market oriented skills through City Livelihood
Centres. Each Centre would be given a capital grant of Rs.10.00 lakhs.
4.Enabling urban poor form Self-Help Groups for meeting financial and social needs with a support of Rs.10,000/- per each group
who would in turn would be helped with bank linkages;
5. Development of vendor markets besides promotion of skills of vendors; and
6. Construction of permanent shelters for urban homeless and provision of other essential services.
A A Rao (9810618919)
1/1
7/19/2015
Prime Minister to Launch Mudra Bank Tomorrow; 5.77 Crore Small Business Units to be Provided Access to Institutional Finance

Government of India
Ministry of Finance
07-April-2015 11:46 IST
Prime Minister to Launch Mudra Bank Tomorrow; 5.77 Crore Small Business Units to be Provided Access to
Institutional Finance
The Prime Minister Shri Narendra Modi will launch the Micro Units Development and Refinance Agency Ltd.
(MUDRA) - a Bank tomorrow at a function at Vigyan Bhavan in the national capital.
Earlier in his Budget Speech for Financial Year (FY) 2015-16, the Union Finance Minister Shri Arun Jaitley had proposed
the creation of a Micro Units Development Refinance Agency (MUDRA) Bank, with a corpus of Rs.20,000 crore, and credit
guarantee corpus of Rs.3,000 crore. MUDRA, to be set up through a statutory enactment, would be responsible for developing and
refinancing through a Pradhan Mantri MUDRA Yojana, all Micro-finance Institutions (MFIs) which are in the business of lending to
micro / small business entities engaged in manufacturing, trading and service activities. MUDRA would also partner with
State/Regional level coordinators to provide finance to Last Mile Financiers of small/micro business enterprises. Further, the
approach goes beyond credit only approach and offers a credit plus solution for these enterprises spread across the country. The
roles envisaged for MUDRA would include:
Laying down policy guidelines for micro enterprise financing business

Registration of MFI entities
Accreditation /rating of MFI entities
Laying down responsible financing practices to ward off over indebtedness and ensure proper client protection principles and
methods of recovery
Development of standardised set of covenants governing last mile lending to micro enterprises
Promoting right technology solutions for the last mile
Formulating and running a Credit Guarantee scheme for providing guarantees to the loans/portfolios which are being
extended to micro enterprises
Support development & promotional activities in the sector
Creating a good architecture of Last Mile Credit Delivery to micro businesses under the scheme of Pradhan Mantri
MUDRA Yojana
These measures to be taken up by MUDRA are targeted towards mainstreaming young, educated or skilled workers and
entrepreneurs including /women entrepreneurs. The Government of India believes that development and growth have to be inclusive.
According to the NSSO Survey of 2013, there are some 5.77 crore small business units, mostly individual proprietorship, which run
manufacturing, trading or services activities. These encompass myriad of small manufacturing units, shopkeepers, fruits / vegetable
vendors, truck & taxi operators, food-service units, repair shops, machine operators, small industries, artisans, food processors,
street vendors and many others. Most of these own account enterprises (OAE) are owned by people belonging to Scheduled
Caste, Scheduled Tribe or Other Backward Classes. The biggest bottleneck in the growth of entrepreneurship in this sector is the
lack of financial support. A vast part of the non-corporate sector operates as unregistered enterprises and formal or institutional
architecture has not been able to reach out to meet its financial requirements. Providing access to institutional finance to such
micro/small business units/enterprises will not only help in improving the quality of life of these entrepreneurs but also turn them into
strong instruments of GDP growth and employment generation.
Since the enactment for MUDRA is likely to take some time, it is proposed to initiate MUDRA as a unit of SIDBI to benefit
from SIDBIs initiatives and expertise.
Products and Offerings
The primary product of MUDRA will be refinance for lending to micro businesses / units under the aegis of the Pradhan
1/3
7/19/2015
Mantri MUDRA Yojana. The initial products and schemes under this umbrella have already been created and the interventions have
been named Shishu, Kishor and Tarun to signify the stage of growth / development and funding needs of the beneficiary micro
unit / entrepreneur as also provide a reference point for the next phase of graduation / growth for the entrepreneur to aspire for:
Shishu: covering loans upto Rs. 50,000/Kishor: covering loans above Rs. 50,000/- and upto Rs. 5 lakh
Tarun: covering loans above Rs. 5 lakh and upto Rs. 10 lakh
Businesses/entrepreneurs/units covered would include proprietorship/partnership firms running as small manufacturing units,
shopkeepers, fruits/vegetable sellers, hair cutting saloon, beauty parlours, transporters, truck operators, hawkers, co-operatives or
body of individuals, food service units, repair shops, machine operators, small industries, artisans, food processors, self help groups,
professionals and service providers etc. in rural and urban areas with financing requirements upto Rs.10 lakh.
The products initially being launched are as under:
Sector/activity specific schemes, such as schemes for business activities in Land Transport, Community, Social & Personal
Services, Food Product and Textile Product sectors. Schemes would similarly be added for other sectors / activities.
Micro Credit Scheme (MCS)
Refinance Scheme for Regional Rural Banks (RRBs) / Scheduled Co-operative Banks
Mahila Uddyami Scheme
Business Loan for Traders & Shopkeepers
Missing Middle Credit Scheme
Equipment Finance for Micro Units
Credit Plus Approach

MUDRA would also adopt a credit plus approach and take up interventions for development support across the entire
spectrum of beneficiary segments. The highlights of such proposed interventions / initiatives are as under:
Supporting financial literacy

Promotion and Support of Grass Root Institutions
Creation of Framework for Small Business Finance Entities
Synergies with National Rural Livelihoods Mission
Synergies with National Skill Development Corporation
Working with Credit Bureaus
Working with Rating Agencies
Other Proposed Offerings: Going forward, offerings as under are also envisaged:
MUDRA Card
Portfolio Credit Guarantee
Credit Enhancement
MUDRA will build on experiences of some of the existing players who have demonstrated ability to cater to the Non
Corporate Small Business segment to build a financing architecture and right ecosystem for both the entrepreneurs as well as the last
mile financiers to the segment. Access to finance in conjunction with rational price is going to be the unique customer value
proposition of MUDRA. The establishment of MUDRA would not only help in increasing access of finance to the unbanked but also
bring down the cost of finance from the Last Mile Financiers to the informal micro / small enterprises sector. The approach goes
beyond credit only approach and offers a credit plus solution for these myriad micro enterprises, creating a complete ecosystem
2/3
7/19/2015
spread across the country.

*****
DSM/KA
3/3
RULES FOR PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA

TIE UP WITH M/S SBI LIFE INSURANCE CO.LTD
DETAILS OF THE SCHEME:

The scheme will be a one year cover, renewable from year to year, Insurance Scheme
offering life insurance cover for death due to any reason. The scheme would be offered
/ administered through M/s SBI Life Insurance co.ltd.
Scope of coverage: All savings bank account holders in the age 18 to 50 years in
participating banks will be entitled to join. In case of multiple saving bank accounts held
by an individual in one or different banks, the person would be eligible to join the
scheme through one savings bank account only. Aadhar would be the primary KYC
for the bank account.
Enrolment period:
Initially, on launch for the cover period 1st June 2015 to 31st May 2016, subscribers will
be required to enroll and give their auto-debit consent by 31st May 2015. Late
enrollment for prospective cover will be possible up to 31st August 2015, which may be
extended by Govt. of India for another three months, i.e. up to 30th of November, 2015.
Those joining subsequently may be able to do so with payment of full annual premium
for prospective cover, with submission of a self-certificate of good health in the
prescribed proforma.
Enrolment Modality
The cover shall be for the one year period stretching from 1 st June to 31st May for which
option to join / pay by auto-debit from the designated savings bank account on the
prescribed forms will be required to be given by 31st May of every year, with the
exception as above for the initial year. Delayed enrollment with payment of full annual
premium for prospective cover may be possible with submission of a self-certificate of
good health.
Individuals who exit the scheme at any point may re-join the scheme in future years by
submitting a declaration of good health in the prescribed proforma.
In future years, new entrants into the eligible category or currently eligible individuals
who did not join earlier or discontinued their subscription shall be able to join while the
scheme is continuing, subject to submission of self-certificate of good health.
Benefits: Rs.2 lakhs is payable on members death due to any reason
Premium:
Rs.330/- per annum per member. There is no Service Tax for the premium collected
under this scheme, as service tax is exempted. The premium will be deducted from the
account holders savings bank account through auto debit facility in one installment, as
1
per the option given, on or before 31st May of each annual coverage period under the
scheme. Delayed enrollment for prospective cover after 31st May will be possible with
full payment of annual premium and submission of a self-certificate of good health.
Cash should not be accepted towards payment of premium, and should be routed
through applicants Savings accounts. In other words, premium is to be remitted by the
debit of applicants account only.
Eligibility Conditions:
a) The savings bank account holders of the participating banks aged between 18
years (completed) and 50 years (age nearer birthday) who give their consent to
join / enable auto-debit, as per the above modality, will be enrolled into the
scheme.
b) Individuals who join after the initial enrollment period extending up to 31st August
2015 or 30th November 2015, as the case may be, will be required to give a selfcertification of good health and that he / she does not suffer from any of the
critical illnesses as mentioned in the applicable Consent cum Declaration form as
on date of enrollment or earlier.
Master Policy Holder: Bank will be the Master policy holder of the group scheme.
Termination of assurance:
The assurance on the life of the member shall terminate on any of the following events
and no benefit will become payable there under:
1) On attaining age of 55 years (age near birth day) subject to annual renewal up to
that date (entry, however, will not be possible beyond the age of 50 years).
2) Closure of account with the Bank or insufficiency of balance to keep the
insurance in force.
3) In case a member is covered under PMJBY with M/s SBI Life Insurance co.ltd
through more than one account and premium is received by M/s SBI Life
Insurance co.ltd inadvertently, insurance cover will be restricted to Rs. 2 Lakh
and the premium shall be liable to be forfeited.
4) If the insurance cover is ceased due to any technical reasons such as insufficient
balance on due date or due to any administrative issues, the same can be
reinstated on receipt of full annual premium and a satisfactory statement of good
health.
5) Bank shall remit the premium to insurance companies in case of regular
enrolment on or before 30th of June every year and in other cases in the same
month when received.
Administration:
The scheme, subject to the above, will be administered by M/s SBI Life Insurance co.ltd.
The data flow process is enclosed in the Annexure..
Members may also give one-time mandate for auto-debit every year till the scheme is in
force.
Enrollment form / Auto-debit authorization / Consent cum Declaration form in the
prescribed proforma shall be obtained and retained by the bank. In case of claim, M/s
SBI Life Insurance co.ltd may seek submission of the same. M/s SBI Life Insurance
co.ltd reserves the right to call for these documents at any point of time. The
experience of the scheme will be monitored on yearly basis for recalibration etc., as
may be necessary
Appropriation of Premium:
1) Insurance Premium to M/s SBI Life Insurance co.ltd: Rs.289/- per annum per
member
2) Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.30/- per annum
per member
3) Reimbursement of Administrative expenses to participating Bank: Rs.11/- per
annum per member
The proposed date of commencement of the scheme will be 1 st June 2015.The next
Annual renewal date shall be each successive 1st of June in subsequent years.The
scheme is liable to be discontinued prior to commencement of a new future renewal
date if circumstances so require.
FAQs on PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA

Q1. What is the nature of the scheme?
The scheme will be a one year cover Term Life Insurance Scheme, renewable from
year to year, offering life insurance cover for death due to any reason.
Q2. What would be the benefits under the scheme and premium payable?
Rs.2 lakhs is payable on a subscribers death due to any reason. The premium payable
is Rs.330/- per annum per subscriber.
Q3. How will the premium be paid?
The premium will be deducted from the account holders savings bank account through
auto debit facility in one installment, as per the option to be given on enrolment.
force, subject to re-calibration that may be deemed necessary on review of experience
of the scheme from year to year.
Q4. Who will offer / administer the scheme?
The scheme would be offered / administered through M/s SBI Life Insurance co.ltd.
Q5. Who will be eligible to subscribe?
All savings bank account holders in the age 18 to 50 years in participating banks will be
entitled to join. In case of multiple saving bank accounts held by an individual in one or
different banks, the person would be eligible to join the scheme through one savings
bank account only.
Q6. What is the enrolment period and modality?
Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers
are expected to enroll and give their auto-debit option by 31st May 2015, extendable up
to 31st August 2015. Enrolment subsequent to this date will be possible prospectively on
payment of full annual payment and submission of a self-certificate of good health.
Subscribers who wish to continue beyond the first year will be expected to give their
consent for auto-debit before each successive May 31st for successive years. Delayed
renewal subsequent to this date will be possible on payment of full annual premium and
submission of a self-certificate of good health.
Q7. Can eligible individuals who fail to join the scheme in the initial year join in
subsequent years?
Yes, on payment of premium through auto-debit and submission of a self-certificate of
good health. New eligible entrants in future years can also join accordingly.
Q8. Can individuals who leave the scheme rejoin?
paying the annual premium and submitting a self declaration of good health.
Q9. Who would be the Master policy holder for the scheme?
Participating Banks will be the Master policy holders. A simple and subscriber friendly
administration & claim settlement process shall be finalized by M/s SBI Life Insurance
co.ltd
Q10. When can the assurance on life of the member terminate?
The assurance on the life of the member shall terminate / be restricted accordingly on
any of the following events:
i.
On attaining age 55 years (age near birth day), subject to annual renewal up to
that date (entry, however, will not be possible beyond the age of 50 years).
ii.
Closure of account with the Bank or insufficiency of balance to keep the
insurance in force.
iii.
In case a member is covered through more than one account and premium is
received by M/s SBI Life Insurance co.ltd inadvertently, insurance cover will be
restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited.
Q11. What will be the role of the insurance company and the Bank?
i.
The scheme will be administered by M/s SBI Life Insurance co.ltd
ii.
It will be the responsibility of the participating bank to recover the appropriate
annual premium in one installment, as per the option, from the account holders
on or before the due date through auto-debit process and transfer the amount
due to the insurance company.
iii.
prescribed proforma, as required, shall be obtained and retained by the bank. In
case of claim, M/s SBI Life Insurance co.ltd may seek submission of the same.
M/s SBI Life Insurance co.ltd also reserve the right to call for these documents at
any point of time.
Q12. How would the premium be appropriated?
a. Insurance Premium to M/s SBI Life Insurance co.ltd: Rs.289/- per annum per
member;
b. Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.30/- per
annum per member;
c. Reimbursement of Administrative expenses to participating Bank: Rs.11/- per
annum per member.
Q13. Will this cover be in addition to cover under any other insurance scheme the
subscriber may be covered under?
Yes.
****************
Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
National Skill Development Corporation

(Ministry of Skill Development and Entrepreneurship,
Government of India)
2015
Table of Contents
1.
Objectives ........................................................................................................................................ 1
2.
Background ...................................................................................................................................... 1
3.
Strategy and Approach .................................................................................................................... 2
4.
Key features ..................................................................................................................................... 2

4.1 Eligible Sectors, Job Roles and target allocation ......................................................................... 2
4.1.1. Standards .............................................................................................................................. 2
4.1.2. Demand-driven targets: ........................................................................................................ 2
4.1.3. Target aligned to national flagship programmes and regions: ............................................. 3
4.2 Eligible Providers.......................................................................................................................... 3
4.3 Training Content (Improved curricula, better pedagogy and trained instructors) ..................... 3
4.4 Assessment and Certification ...................................................................................................... 3
4.5 Eligible Beneficiaries .................................................................................................................... 3
4.6 Monetary Awards ........................................................................................................................ 4
4.5.1. Reward amount..................................................................................................................... 4
4.5.2. Direct Fund Transfer ............................................................................................................. 4
4.7 Mobilisation of candidates .......................................................................................................... 4
4.8 Mentoring support....................................................................................................................... 5
4.9 Evaluation and Monitoring .......................................................................................................... 5
4.9.1. Enhanced monitoring: ........................................................................................................... 5
4.9.2. Evaluation:............................................................................................................................. 5
4.9.3. Grievance redressal:.............................................................................................................. 5
5.
Scheme Outlay ................................................................................................................................. 5
6.
Implementing agency ...................................................................................................................... 6
7.
Steering Committee ......................................................................................................................... 6
8.
Annexure 1 ....................................................................................................................................... 7
1.
Objectives
The objective of this Scheme is to encourage skill development for youth by providing monetary
rewards for successful completion of approved training programs. Specifically, the Scheme aims
to:
Encourage standardization in the certification process and initiate a process of creating a
registry of skills
Enable and mobilize a large number of Indian youth to take up skill training and become
employable and earn their livelihood. Increase productivity of the existing workforce and
align the training and certification to the needs of the country.
Provide Monetary Awards for Skill Certification to boost employability and productivity of
youth by incentivizing them for skill trainings
Reward candidates undergoing skill training by authorized institutions at an average
monetary reward of Rs. 8,000 (Rupees EightThousand) per candidate.
Benefit 24 lakh youth at an approximate total cost of Rs. 1,500 Crores.
2.
Background
Currently, only a very small proportion of Indias workforce has any formal skill training. Not
surprisingly therefore several sectors of the countrys economy face shortage of skilled people
and are mired with low productivity levels due to poor quality of workforce. At the same time,
large sections of the countrys youth are looking for economic and livelihood opportunities. In
this context, skill development has become a key priority area for the country. This is not only
essential for economic development, but would help to fulfil youth aspirations for good quality,
better paid jobs and self-employment opportunities. This would also enable the country to take
advantage of its favourable demographic profile. With a large pool of skilled people, India has an
opportunity to become a skill provider for the world, particularly the ageing developed world.
Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is the flagship outcome-based skill training scheme
of the new Ministry of Skill Development & Entrepreneurship (MSDE). This skill certification and
reward scheme aims to enable and mobilize a large number of Indian youth to take up skill
training and become employable and earn their livelihood. Under the scheme, monetary reward
would be provided to trainees who are successfully trained, assessed and certified in skill courses
run by affiliated training providers. This will boost the productivity of the countrys workforce by
enabling them to acquire high quality skill training across a range of sectors. It will also bring
about a paradigm shift from input-based to outcome-based skill training in the country. It also
seeks to significantly scale up skill training activities in the country and enable skill training to
happen at a fast pace without compromising quality. Institutional arrangements comprising of
the National Skill Development Corporation (NSDC), Sector Skill Councils (SSCs), Assessing
agencies and Training Partners are already in place for implementation of the scheme.
3.
Strategy and Approach

i.
ii.
iii.
iv.
v.
vi.
vii.
4.
The Scheme will provide monetary incentives for successful completion of marketdriven skill training and certification to approximately twenty four lakh youth in in a
span of one year from the date of implementation of the scheme.
This Scheme shall be implemented through Public-Private and Public-Public
partnerships.
NSDC will be the implementing agency for this Scheme.
All trainings and certification under Recognition of Prior Learning will be specifically
oriented for developing skills in specific growth sectors.
Assessment and training bodies for all purposes of the Scheme will be separate and
no overlap of roles will be allowed to maintain transparency and objectivity.
The monetary reward will be wholly funded by the Ministry of Skill Development and
Entrepreneurship, Government of India and will be affected through bank transfer to
the beneficiaries accounts. For facilitating the smooth disbursement as prescribed
under the scheme, the entire money along with the additional implementation fund
will be transferred to National Skill Development Fund for further utilization by NSDC.
Definitions of terms and expansions of acronyms used in this document are listed in
Annexure 1.
Key features
4.1 Eligible Sectors, Job Roles and target allocation
4.1.1. Standards
Training will be done against standards (National Occupational Standards - NOS and
Qualification Packs - QPs for specific job roles) formulated by industry-driven bodies,
namely the Sector Skills Councils (SSCs).
4.1.2. Demand-driven targets:
Based on assessment of skill demand and the Skill Gap Studies, target for skill training
would be allocated to sector skill councils by NSDC in consultation with the SSCs,
States/UTs and the Central Ministries/Departments under the oversight of the Steering
Committee of PMKVY.
4.1.3. Target aligned to national flagship programmes and regions:

Target for skill training would be aligned to the demand from the Central Governments
flagship programmes, such as - Swachh Bharat, Make in India, Digital India, National
Solar Mission and so on.
4.2 Eligible Providers
NSDC training partners undergo due diligence before being registered with NSDC.
Government affiliated training centres and other training partners will be approved by the
SSCs on the basis of guidelines issued by NSDC. Under PMKVY, even the government
affiliated training providers will undergo due diligence as per the process manual. Each
training partner would be responsible for its entire franchisee network and the
infrastructure of training centers. The same will be part of the monitoring process. Only
first level of franchising would be allowed but the same should be declared in advance.
4.3 Training Content (Improved curricula, better pedagogy and trained instructors)
While, the thrust would be on outcomes in terms of third party assessment/certification,
training providers to focus on improved curricula, better technology enabled pedagogy
and upgrading the capacity of instructors to enable the overall ecosystem for high quality
skill training in the country. All skill training would include soft skill training, personal
grooming, behavioural change for cleanliness, and good work ethics as a part of the
training curricula.
4.4 Assessment and Certification
Third party assessments for skill training will be done based on national (and often) global
standards. Under PMKVY, trainees with prior experience or skills and competencies will
be assessed and they will also be given monetary rewards for undergoing assessments.
This will be an important step towards recognising the skills possessed by workers working
in the informal sector and their inclusion. This will also facilitate the process of skill
upgradation and re-skilling of the existing workforce. The focus of RPL would be on those
job-roles/sectors in which it is most desired.
4.5 Eligible Beneficiaries
In line with the objectives stated above, this Scheme is applicable to any candidate of Indian
nationality who:
a) undergoes a skill development training in an eligible sector by an eligible training
provider as defined above;
b) is certified during the span of one year from the date of launch of the scheme by
approved assessment agencies as defined above;
c) is availing of this monetary award for the first and only time during the operation of
this Scheme.
4.6 Monetary Awards

4.5.1. Reward amount
Monetary reward for various job roles within a sector varies for different as per job role
levels. This amount would be arrived at after taking various factors like cost of training,
willingness of trainees for pay and other relevant factors into consideration. Higher
incentives will be given to training in manufacturing, construction and plumbing sectors.
For Skills Training
Manufacturing,
NSQF Levels
Plumbing &
Other sectors
Construction sectors
Level 1 &2
7,500
5,000
Level 3 & 4
10,000
7,500
Level 5 & 6
12,500
10,000
For Recognition of Prior Learning (RPL)

Manufacturing,
Plumbing
Other sectors
&Construction sectors
2,500
2,000
4.5.2. Direct Fund Transfer

PMKVY will follow complete transparent funding of skill training without any
intermediaries with monetary rewards directly transferred to the trainees bank account.
Aadhaar number will be used for unique identification of each candidate.
4.7 Mobilisation of candidates
Awareness building & mobilization activities would be carried out with the involvement
of local State and district governments as well as involve Members of Parliament in the
activities to ensure greater outreach and ownership. A camp-based approach by
organizing Kaushal Melas to disseminate information about various skill training options,
outline possible career paths and income generation potential once the training is
imparted would be held in every district. Efforts will be made to ensure that the coverage
of the scheme is across all the 543 constituencies in India. Skill Yatras will be explored to
take awareness to the hinterlands and include live demonstration of skills. Nongovernmental and community-based organizations would be involved in this activity to
ensure widest possible reach and create an environment for skilling in the country. This
would be supplemented with specialised and standardized branding and communication
4
packages through mass media and social media. Periodic surprise checks and audits of the
mobilisation phase would be conducted to ensure its continued efficacy.
4.8 Mentoring support
A mentorship programme will be created in order to support trainees who have
successfully completed the training programme and are in the process of looking for
employment opportunities. Training providers will be responsible for identifying mentors
who will support and guide trainees in the post-training phase. These mentors will provide
career guidance and counselling for trainees once they have completed training and will
also help connect them to employment opportunities. This mentorship programme will
also facilitate the tracking of trainees in the post training phase.
4.9 Evaluation and Monitoring
4.9.1. Enhanced monitoring:
To monitor the training process, SSCs will be tasked with verifying and recording details
of all training centres on the Skill Development Management System (SDMS), and
ascertain quality of training locations and courses through certified assessors during the
time of assessments. SSCs will also be responsible for certifying the training curriculum
and for ensuring that it is aligned to QPs of job roles. In addition, SSCs will be tasked with
certifying all trainers for the Scheme. Audit checks and surprise visits to training centres
will also be conducted to ensure enhanced monitoring. Assessing process could be more
technology driven and could also be carried out in CCTV environment.
4.9.2. Evaluation:
Trainee feedback based on validated standard format verified at the time of assessment
will become the key element of the evaluation framework to assess the effectiveness and
scale up of PMKVY in future.
4.9.3. Grievance redressal:
A proper grievance redressal mechanism would be put in place. Online Citizens Portal
would be set up to disseminate information about PMKVY. This would also serve as a
platform for redressal of grievances. The portal would also include a complete database
of all available courses and training centres under PMKVY.
5.
Scheme Outlay
Following is the PMKVY outlay:

5
Average Reward
Amount (Rs.)
Physical Target
(Number of trainees in
lakh)
14
10
Fresh Trainings
8000
RPL
2200
Sub total
Awareness and mobilization (5%)
Incentives for supplementary mentorship and placement services (5%)
Administrative expenses (2%)
Total
24
6.
Financial target
(Rs.in crore)
1120
220
1340
67
67
26
1500
Implementing agency
The scheme will be implemented through the National Skill Development Corporation (NSDC).
7.
Steering Committee
Steering Committee for PMKVY would be responsible for providing direction for implementation
of the scheme. The Steering Committee will be empowered to review the framework and make
suitable modification as and when required in the scheme. The Committee will oversee dynamic
fixation of targets for skilling, amount of monetary reward by job roles, activities related to
awareness building and trainee mobilization, mentorship support. The Steering Committee may
appoint sub-committees at national or state level (s) to assist in exercise of its functions. It is
recommended that sub-committees at the district level are also formed especially to focus on
awareness and mobilization activities, as well as for monitoring of the scheme.
8.
Annexure 1
Definitions
a) NSDC The National Skill Development Corporation (NSDC) has been instituted to
foster private sector initiatives in skill development. It is a Private Public Partnership
(PPP) organization with representatives of Government and Industry Associations
on its Board.
b) SSCs Sector Skill Councils (SSCs) are industry-led bodies, who would be responsible
for the defining the skilling needs, concept, processes, certification, accreditation of
their respective industry sectors. The SSCs shall prescribe the NOSs and QPs for the
job roles relevant to their industry, and shall work with the NSDA to ensure that
these are in accordance with the NSQF.
c) NSQF The National Skill Qualification Framework (NSQF), would be a descriptive
framework that organizes qualifications according to a series of levels of knowledge,
skills and aptitude. These levels are defined in terms of learning outcomes i.e., the
competencies which the learners must possess regardless of whether they were
acquired through formal, non-formal or informal education and training. It is,
therefore, a nationally integrated education and competency based skill framework
that will provide for multiple pathways both within vocational education and
vocational training and among vocational education, vocational training, general
education and technical education, thus linking one level of learning to another
higher level to enable a person to acquire desired skill levels, transit to the job
market and return to skill development to further upgrade their skill sets.
d) NOSs National Occupational Standards (NOSs) specify the standard of
performance an individual must achieve when carrying out a particular activity in
the workplace, together with the knowledge and understanding they need to meet
that standard consistently. Each NOS defines one key function in a job role. In their
essential form, NOSs describe functions, standards of performance and
knowledge/understanding.
e) QPs A set of NOSs, aligned to a job role, called Qualification Packs (QPs), would be
available for every job role in each industry sector. These drive both the creation of
curriculum, and assessments. These job roles would be at various proficiency levels,
and aligned to the NSQF.NOSs and QPs for job roles in various industry sectors,
created by SSCs and subsequently ratified by appropriate authority, would be
available online and updated from time to time.
f) SDMS The Skill Development Management System (SDMS) has been developed
and maintained by the NSDC
RULES FOR THE PRADHAN MANTRI SURAKSHA BIMA YOJANA

DETAILS OF THE SCHEME:
The scheme will be a one year cover, renewable from year to year, Accident Insurance
Scheme offering accidental death and disability cover for death or disability on account
of an accident. The scheme would be offered / administered through Public Sector
General Insurance Companies (PSGICs) and other General Insurance companies
willing to offer the product on similar terms with necessary approvals and tie up with
Banks for this purpose. Participating banks will be free to engage any such insurance
company for implementing the scheme for their subscribers.
Scope of coverage: All savings bank account holders in the age 18 to 70 years in
participating banks will be entitled to join. In case of multiple saving bank accounts held
by an individual in one or different banks, the person would be eligible to join the
scheme through one savings bank account only. Aadhar would be the primary KYC for
the bank account.
Enrollment Modality / Period: The cover shall be for the one year period stretching
from 1st June to 31st May for which option to join / pay by auto-debit from the designated
savings bank account on the prescribed forms will be required to be given by 31st May
of every year, extendable up to 31st August 2015 in the initial year. Initially on launch,
the period for joining may be extended by Govt. of India for another three months, i.e.
up to 30th of November, 2015. Joining subsequently on payment of full annual premium
may be possible on specified terms. However, applicants may give an indefinite / longer
option for enrolment / auto-debit, subject to continuation of the scheme with terms as
may be revised on the basis of past experience. Individuals who exit the scheme at any
point may re-join the scheme in future years through the above modality. New entrants
into the eligible category from year to year or currently eligible individuals who did not
join earlier shall be able to join in future years while the scheme is continuing.
Benefits: As per the following table:
Table of Benefits
Sum Insured
a. Death
Rs. 2 Lakh
b. Total and irrecoverable loss of both eyes or loss of use
Rs. 2 Lakh
of both hands or feet or loss of sight of one eye and
loss of use of hand or foot
c. Total and irrecoverable loss of sight of one eye or loss
of use of one hand or foot
Rs. 1 Lakh
Premium: Rs.12/- per annum per member. The premium will be deducted from the
account holders savings bank account through auto debit facility in one installment on
or before 1st June of each annual coverage period under the scheme. However, in
cases where auto debit takes place after 1st June, the cover shall commence from the
first day of the month following the auto debit.
The premium would be reviewed based on annual claims experience. However, barring
unforeseen adverse outcomes of extreme nature, efforts would be made to ensure that
there is no upward revision of premium in the first three years.
Eligibility Conditions:
The savings bank account holders of the participating banks aged between 18 years
(completed) and 70 years (age nearer birthday) who give their consent to join / enable
auto-debit, as per the above modality, will be enrolled into the scheme.
Master Policy Holder: Participating Bank will be the Master policy holder on behalf of
the participating subscribers. A simple and subscriber friendly administration & claim
settlement process shall be finalized by the respective general insurance company in
consultation with the participating Banks.
Termination of cover: The accident cover for the member shall terminate on any of the
following events and no benefit will be payable there under:
1) On attaining age 70 years (age nearest birth day).
2) Closure of account with the Bank or insufficiency of balance to keep the
insurance in force.
3) In case a member is covered through more than one account and premium is
received by the Insurance Company inadvertently, insurance cover will be
restricted to one only and the premium shall be liable to be forfeited.
4) If the insurance cover is ceased due to any technical reasons such as insufficient
balance on due date or due to any administrative issues, the same can be
reinstated on receipt of full annual premium, subject to conditions that may be
laid down. During this period, the risk cover will be suspended and reinstatement
of risk cover will be at the sole discretion of Insurance Company.
5) Participating banks will deduct the premium amount in the same month when the
auto debit option is given, preferably in May of every year, and remit the amount
due to the Insurance Company in that month itself.
Administration:
The scheme, subject to the above, will be administered as per the standard procedure
stipulated by the Insurance Company. The data flow process and data proforma will be
provided separately.
It will be the responsibility of the participating bank to recover the appropriate annual
premium from the account holders within the prescribed period through auto-debit
process.
Enrollment form / Auto-debit authorization in the prescribed proforma shall be obtained
and retained by the participating bank. In case of claim, the Insurance Company may
2
seek submission of the same. Insurance Company reserves the right to call for these
documents at any point of time.
The acknowledgement slip may be made into an acknowledgement slip-cum-certificate
of insurance.
The experience of the scheme will be monitored on yearly basis for re-calibration etc.,
as may be necessary.
Appropriation of Premium:
1) Insurance Premium to Insurance Company: Rs.10/- per annum per member
2) Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.1/- per annum
per member
3) Reimbursement of Administrative expenses to participating Bank: Rs.1/- per
annum per member
The proposed date of commencement of the scheme will be 1 st June 2015.The next
Annual renewal date shall be each successive 1st of June in subsequent years.
The scheme is liable to be discontinued prior to commencement of a new future renewal
date if circumstances so require.
Frequently Asked Questions (FAQs)
Enclosed on next page
FAQs on PRADHAN MANTRI SURAKSHA BIMA YOJANA

Q1. What is the nature of the scheme?
The scheme will be a one year cover Personal Accident Insurance Scheme, renewable
from year to year, offering protection against death or disability due to accident.
Q2. What would be the benefits under the scheme and premium payable?
The benefits are as follows:
a.
b.
c.
Table of Benefits
Death
Total and irrecoverable loss of both eyes or loss of use of both
hands or feet or loss of sight of one eye and loss of use of hand
or foot
Total and irrecoverable loss of sight of one eye or loss of use of
one hand or foot
Sum Insured
Rs. 2 Lakh
Rs. 2 Lakh
Rs. 1 Lakh
Premium payable is Rs.12/- per annum per member.

Q3. How will the premium be paid?
The premium will be deducted from the account holders savings bank account through
auto debit facility in one installment, as per the option to be given on enrolment.
force, subject to re-calibration that may be deemed necessary on review of experience
of the scheme from year to year.
Q4. Who will offer / administer the scheme?
The scheme would be offered / administered through the Public Sector General
Insurance Companies (PSGICs) and other General Insurance companies willing to offer
the product with necessary approvals on similar terms, in collaboration with participating
Banks. Participating banks will be free to engage any such general insurance company
for implementing the scheme for their subscribers.
Q5. Who will be eligible to subscribe?
All savings bank account holders in the age 18 to 70 years in participating banks will be
entitled to join. In case of multiple saving bank accounts held by an individual in one or
different banks, the person would be eligible to join the scheme through one savings
bank account only.
Q6. What is the enrolment period and modality?
Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers
are expected to enroll and give their auto-debit option by 31st May 2015, extendable up
to 31st August 2015. Enrolment subsequent to this date may be possible prospectively
on payment of full annual payment, subject to conditions that may be laid down.
Subscribers who wish to continue beyond the first year will be expected to give their
consent for auto-debit before each successive May 31st for successive years. Delayed
renewal subsequent to this date may be possible on payment of full annual premium,
subject to conditions that may be laid down.
Q7. Can eligible individuals who fail to join the scheme in the initial year join in
subsequent years?
Yes, on payment of premium through auto-debit. New eligible entrants in future years
can also join accordingly.
4
Q8. Can individuals who leave the scheme rejoin?

paying the annual premium, subject to conditions that may be laid down.
Q9. Who would be the Master policy holder for the scheme?
Participating Banks will be the Master policy holders. A simple and subscriber friendly
administration & claim settlement process shall be finalized by PSGICs / chosen
insurance company in consultation with the participating bank.
Q10. When can the accident cover assurance terminate?
The accident cover of the member shall terminate / be restricted accordingly on any of
the following events:
i.
On attaining age 70 years (age neared birth day).
ii.
Closure of account with the Bank or insufficiency of balance to keep the
insurance in force.
iii.
In case a member is covered through more than one account and premium is
received by the insurance company inadvertently, insurance cover will be
restricted to one account and the premium shall be liable to be forfeited.
Q11. What will be the role of the insurance company and the Bank?
i.
The scheme will be administered by PSGICs or any other General Insurance
company which is willing to offer such a product in partnership with a bank /
banks.
ii.
It will be the responsibility of the participating bank to recover the appropriate
annual premium in one installment, as per the option, from the account holders
on or before the due date through auto-debit process and transfer the amount
due to the insurance company.
iii.
prescribed proforma shall be obtained, as required, and retained by the
participating bank. In case of claim, PSGIC / insurance company may seek
submission of the same. PSGIC / Insurance Company also reserve the right to
call for these documents at any point of time.
Q12. How would the premium be appropriated?
a. Insurance Premium to PSGIC / other insurance company: Rs.10/- per annum
per member;
b. Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.1/- per
annum per member;
c. Reimbursement of Administrative expenses to participating Bank: Rs.1/- per
annum per member.
Q13. Will this cover be in addition to cover under any other insurance scheme
the subscriber may be covered under?
Yes.
****************
Pradhan Mantri Kaushal Vikas Yojana

(PMKVY)
Pradhan Mantri Kaushal Vikas Yojana (PMKVY) isthe flagship outcome-based skill
training scheme of the new Ministry of Skill Development & Entrepreneurship (MSDE).
The objective of this skill certification and reward scheme is to enable and mobilize a
large number of Indian youth to take up outcome based skill training and become
employable and earn their livelihood.Under the scheme, monetary reward would be
provided to trainees who are successfully trained, assessed and certified in skill courses
run by affiliated training providers.
Key features of the PMKVY are:
a. Standards- Training will be done against standards (National Occupational Standards NOS and Qualification Packs - QPs for specific job roles) formulated by industry-driven
bodies, namely the Sector Skills Councils (SSCs). Third party assessments for skill
training will be done based on national (and often) global standards.
b. Direct Fund Transfer- It will have complete transparent funding of skill training
without any intermediaries with monetary rewards directly transferred to the trainees
bank account. It will ensure financial inclusion with a provision of unique multi-wallet
facility linked to debit card and accidental insurance. Aadhaar number will be used for
unique identification of each candidate.
c. Demand-driven targets: Based on assessment of skill demand and the Skill Gap
Studies, target for skill training would be allocated to training providers by job-role and
by district/city to the extent possible, by NSDC in consultation with the SSCs,
States/UTs and the Central Ministries/Departments under the oversight of the Steering
Committee of PMKVY.
d. Target aligned to national flagship programmes and regions: Target for skill
training would be aligned to the demand from the Central Governments flagship
programmes, such as - Swachh Bharat, Make in India, Digital India, National Solar
Mission and so on.
e. Supply side perspective in target fixation: Skill training under PMKVY would
essentially target drop out students after class 10 and class 12 and hence these
numbers will be taken into consideration while deciding state / district wise targets.
There will be special focus on youth in regions affected by left-wing extremists and from
North Eastern States and J&K.
f. Recognition of prior learning (RPL): Under PMKVY, trainees with prior experience or
skills and competencies will be assessed and they will also be given monetary rewards
for undergoing assessments. This will be an important step towards recognising the
skills possessed by workers working in the informal sector and their inclusion. This will
also facilitate the process of skill upgradation and re-skilling of the existing workforce.
The focus of RPL would be on those job-roles/sectors in which it is most desired and it
will be accompanied with a strong advocacy campaign to promote a paradigm shift in
the labour market to make skill training to standards aspirational.
g. Variable amount of monetary reward: Monetary reward for various job roles within
a sector would also vary. This amount would be arrived at after taking various factors
like cost of training, willingness of trainees for pay and other relevant factors into
consideration. Higher incentives will be given to training in manufacturing, construction
and plumbing sectors.
h. Robust regime for registration of training providers: NSDC training partners
undergo due diligence before being registered with NSDC. Government affiliated
training centres and other training partners will be approved by the SSCs on the basis
of guidelines issued by NSDC. Under PMKVY, even the government affiliated training
providers will undergo due diligence as per the process manual. Each training partner
would be responsible for its entire franchisee network and the infrastructure of training
centers. The same will be part of the monitoring process. Only first level of franchising
would be allowed but the same should be declared in advance and validated on the
basis of random sampling as per guidelines in the process manual.
i.
Focussed awareness building and mobilisation activities: Awareness building &

mobilization activities would be carried out with the involvement of local State and
district governments as well as involve Members of Parliament in the activities to
ensure greater outreach and ownership. A camp-based approach by organizing Kaushal
Melas to disseminate information about various skill training options, outline possible
career paths and income generation potential once the training is imparted would be
held in every district. Efforts will be made to ensure that the coverage of the scheme is
across all the 543 constituencies in India. Skill Yatras through bus journeys will be
explored to take awareness to the hinterlands and include live demonstration of skills in
the buses. Non-governmental and community-based organizations would be involved in
this activity to ensure widest possible reach and create an environment for skilling in
the country. This would be supplemented with specialised and standardized branding
and communication packages through mass media and social media. Periodic surprise
checks and audits of the mobilisation phase would be conducted to ensure its continued
efficacy.
j.
Improved curricula, better pedagogy and trained instructors: While, the thrust
would be on outcomes in terms of third party assessment/certification, but support for
improved curricula, better technology enabled pedagogy and upgrading the capacity of
instructors would enable improving the overall ecosystem for high quality skill training
in the country. All skill training would include soft skill training, personal grooming,
behavioural change for cleanliness, and good work ethics as a part of the training
curricula.
k. Enhanced monitoring: To monitor the training process, SSCs will be tasked with
verifying and recording details of all training centres on the Skill Development
Management System (SDMS), and ascertain quality of training locations and courses
through certified assessors during the time of assessments. Possibility of putting in
place a system of bio-metric attendance and sample video recording would be explored.
SSCs will also be responsible for certifying the training curriculum and for ensuring that
it is aligned to QPs of job roles. In addition, SSCs will be tasked with certifying all
trainers for the Scheme. Audit checks and surprise visits to training centres will also be
conducted to ensure enhanced monitoring. Assessing process could be more technology
driven and could also be carried out in CCTV environment.
l.
Mentorship support: A mentorship programme will be created in order to support

trainees who have successfully completed the training programme and are in the
process of looking for employment opportunities. Training providers will be responsible
for identifying mentors who will support and guide trainees in the post-training phase.
These mentors will provide career guidance and counselling for trainees once they have
completed training and will also help connect them to employment opportunities. This
mentorship programme will also facilitate the tracking of trainees in the post training
phase.
m. Evaluation: Trainee feedback based on validated standard format obtained at the time
of assessment will become the key element of the evaluation framework to assess the
effectiveness and scale up of PMKVY in future.
n. Grievance redressal: A proper grievance redressal mechanism would be put in place.
Online Citizens Portal would be set up to disseminate information about PMKVY. This
would also serve as a platform for redressal of grievances. The portal would also include
a complete database of all available courses and training centres under PMKVY.
The scheme will be implemented through the National Skill Development Corporation
(NSDC).
7/19/2015
Rashtriya Avishkar Abhiyan (RAA) Launched by Dr. A. P. J. Abdul Kalam

Government of India
Ministry of Human Resource Development
09-July-2015 18:55 IST

Rashtriya Avishkar Abhiyan (RAA) Seeks to Develop Scientific Temper Among School Children
Dr. A.P.J Abdul Kalam, former President of India launched the Rashtriya Avishkar Abhiyan (RAA) today in New Delhi. While
launching the Abhiyan, Dr. Abdul Kalam focused on developing the spirit of innovation and experimentation among students. He
further laid stress on four qualities of uniqueness: Great Aim, Quest of Knowledge, Hard Work, and Perseverance. Emphasising the
value of learning he added we learn to live, we learn to think and we learn to learn. He concluded his speech by stressing upon
attaching highest value to Science.
Rashtriya Avishkar Abhiyan is a unique concept developed by the Ministry of Human Resource Development that aims to inculcate a
spirit of inquiry, creativity and love for Science and Mathematics in school children.
Smt. Smriti Irani, Union Minister for Human Resource Development addressed the gathering through video conferencing and
highlighted the fact that RAA is an initiative by Ministry of HRD to encourage students to learn sciences beyond the classrooms. It is
an effort to take forward the Prime Ministers vision of Digital India, Make in India and Teach in India. She also emphasised the
fact that more and more women should be encouraged to participate in the field of science and technologies. She talked of efforts
made by INTEL for nurturing scientific temper among girl students. She also mentioned Google Indias initiative of Code to Learn
Contest which will enable students to learn in the Google campus and announced that Phase II of RAA will be launched in January,
2016 for higher education under which model science labs will be established in all districts of the North Eastern States.
Under Rashtriya Avishkar Abhiyan, government schools will be mentored by Institutes like IITs/ IIMs/ IISERs and other Central
Universities and reputed organisations through innovative programmes, student exchanges, demonstrations, student visits, etc to
develop a natural sense of passion towards learning of Science and Maths.
The launch event also saw some exhilarating moments with a laser show on science and maths which enthralled the audience.
Two students, Ms. Jaya and Mr. Arsh winners of Initiative for Research and Innovation (IRIS) Award, 2014 & 2015, shared their
innovative projects and their journey through the wondrous world of science.
A play presented by students of Dr. Bhimrao Ambedkar University, Lucknow spread the message of how science is woven in every
aspect of life and is not limited to classrooms.
The audience also got to hear and interact with scientists like Dr. Tessy Thomas, Project Director AGNI IV and Smt. Nandani
Harinath, Deputy Operations Director, Mars Orbiter Mission.
A Science exhibition showcasing some innovative models from school children which have been represented at various national and
international forums was also organised at the venue.
The event was also attended by Dr. Harsh Vardhan, Union Minister for Science and Technology & Earth Sciences; Dr. Jitendra
Singh, Minister of State (Independent Charge) Development of North-Eastern Region; Prof. Ram Shankar Katheria, Minister of
State (Higher Education), Ministry of Human Resource Development; Shri Vinay Sheel Oberoi, Secretary, Higher Education and Dr.
Subhash Chand Khuntia, Secretary, School Education and Literacy. Thousands of school children, senior policy makers and heads
of higher education institutions and scientists were also present at event.
******
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7/19/2015
GG/DS/RK/RAA
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7/19/2015
Sagarmala: Concept and implementation towards Blue Revolution

Government of India
Cabinet
25-March-2015 20:19 IST

The Union Cabinet chaired by the Prime Minister, Shri Narendra Modi, today gave its in-principle approval for the concept and
institutional framework of Sagarmala Project.
The prime objective of the Sagarmala project is to promote port-led direct and indirect development and to provide infrastructure to
transport goods to and from ports quickly, efficiently and cost-effectively. Therefore, the Sagarmala Project shall, inter alia, aim to
develop access to new development regions with intermodal solutions and promotion of the optimum modal split, enhanced
connectivity with main economic centres and beyond through expansion of rail, inland water, coastal and road services.
The Sagarmala initiative will address challenges by focusing on three pillars of development, namely (i) Supporting and enabling Portled Development through appropriate policy and institutional interventions and providing for an institutional framework for ensuring
inter-agency and ministries/departments/states collaboration for integrated development, (ii) Port Infrastructure Enhancement,
including modernization and setting up of new ports, and (iii) Efficient Evacuation to and from hinterland.
The Sagarmala Project therefore intends to achieve the broad objectives of enhancing the capacity of major and non-major ports and
modernizing them to make them efficient, thereby enabling them to become drivers of port-led economic development, optimizing the
use of existing and future transport assets and developing new lines/linkages for transport (including roads, rail, inland waterways and
coastal routes), setting up of logistics hubs, and establishment of industries and manufacturing centres to be served by ports in EXIM
and domestic trade. In addition to strengthening port and evacuation infrastructure, it also aims at simplifying procedures used at ports
for cargo movement and promotes usage of electronic channels for information exchange leading to quick, efficient, hassle-free and
seamless cargo movement.
For a comprehensive and integrated planning for Sagarmala, a National Perspective Plan (NPP) for the entire coastline shall be
prepared within six months which will identify potential geographical regions to be called Coastal Economic Zones (CEZs). While
preparing the NPP, synergy and integration with planned Industrial Corridors, Dedicated Freight Corridors, National Highway
Development Programme, Industrial Clusters and SEZs would be ensured. Detailed Master Plans will be prepared for identified
Coastal Economic Zones leading to identification of projects and preparation of their detailed project reports.
In order to have effective mechanism at the state level for coordinating and facilitating Sagarmala related projects, the State
Governments will be suggested to set up State Sagarmala Committee to be headed by Chief Minister/Minister in Charge of Ports
with members from relevant Departments and agencies. The state level Committee will also take up matters on priority as decided in
the NSAC. At the state level, the State Maritime Boards/State Port Departments shall service the State Sagarmala Committee and
also be, inter alia, responsible for coordination and implementation of individual projects, including through SPVs (as may be
necessary) and oversight. The development of each Coastal economic zone shall be done through individual projects and supporting
activities that will be undertaken by the State Government, Central line Ministries and SPVs to be formed by the State Governments
at the state level or by SDC and ports, as may be necessary.
Sagarmala Coordination and Steering Committee (SCSC) shall be constituted under the chairmanship of the Cabinet Secretary with
Secretaries of the Ministries of Shipping, Road Transport and Highways, Tourism, Defence, Home Affairs, Environment, Forest &
Climate Change, Departments of Revenue, Expenditure, Industrial Policy and Promotion, Chairman, Railway Board and CEO, NITI
Aayog as members. This Committee will provide coordination between various ministries, state governments and agencies connected
with implementation and review the progress of implementation of the National Perspective Plan, Detailed Master Plans and projects.
It will, inter alia, consider issues relating to funding of projects and their implementation. This Committee will also examine financing
options available for the funding of projects, the possibility of public-private partnership in project financing/construction/ operation.
Improvement of operational efficiency of existing ports, which is an objective of the Sagarmala initiative, shall be done by undertaking
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business process re-engineering to simplify processes and procedures in addition to modernizing and upgrading the existing
infrastructure and improved mechanisation. Increased use of information technology and automation to ensure paperless and seamless
transactions will be an important area for intervention. Under the Sagarmala Project, the use of coastal shipping and IWT are
proposed to be enhanced through a mix of infrastructure enhancement and policy initiatives.
The Sagarmala initiative would also strive to ensure sustainable development of the population living in the Coastal Economic Zone
(CEZ). This would be done by synergising and coordinating with State Governments and line Ministries of Central Government
through their existing schemes and programmes such as those related to community and rural development, tribal development and
employment generation, fisheries, skill development, tourism promotion etc. In order to provide funding for such projects and
activities that may be covered by departmental schemes a separate fund by the name Community Development Fund would be
created.
The Institutional Framework for implementing Sagarmala has to provide for a coordinating role for the Central Government. It should
provide a platform for central, state governments and local authorities to work in tandem and coordination under the established
principles of cooperative federalism, in order to achieve the objectives of the Sagarmala Project and ensure port-led development.
A National Sagarmala Apex Committee (NSAC) is envisaged for overall policy guidance and high level coordination, and to review
various aspects of planning and implementation of the plan and projects. The NSAC shall be chaired by the Minister incharge of
Shipping, with Cabinet Ministers from stakeholder Ministries and Chief Ministers/Ministers incharge of ports of maritime states as
members. This committee, while providing policy direction and guidance for the initiatives implementation, shall approve the overall
National Perspective Plan (NPP) and review the progress of implementation of these plans.
At the Central level, Sagarmala Development Company (SDC) will be set up under the Companies Act, 1956 to assist the State
level/zone level Special Purpose Vehicles (SPVs), as well as SPVs to be set up by the ports, with equity support for implementation
of projects to be undertaken by them. The SDC shall also get the Detailed Master Plans for individual zones prepared within a two
year period. The business plan of the SDC shall be finalised within a period of six months. The SDC will provide a funding window
and/or implement only those residual projects that cannot be funded by any other means/mode.
In order to kick start the implementation of projects it is proposed to take up identified projects covered in the concept of Sagarmala
for implementation forthwith. These identified projects for implementation in the initial phase will be based on the available data and
feasibility study reports and the preparedness, willingness and interest shown by the State Governments and Central Ministries to take
up projects.
All efforts would be made to implement those projects through the private sector and through Public Private Participation (PPP)
wherever feasible. Funds requirement for starting the implementation of projects in the initial phase of Sagarmala Project is projected
at Rs. 692 crores for the FY 2015-16. Further requirement of funds will be finalized after completion of Detailed Master Plan for
Coastal Economic Zones for future years. These funds will be used for implementation of projects by line ministries in accordance
with approvals by the SCSC.
Background:
Presently, Indian ports handle more than 90 percent of Indias total EXIM trade volume. However, the current proportion of
merchandize trade in Gross Domestic Product (GDP) of India is only 42 percent, whereas for some developed countries and regions
in the world such as Germany and European Union, it is 75 percent and 70 percent respectively. Therefore, there is a great scope to
increase the share of merchandising trade in Indias GDP. With the Union Governments Make in India initiative, the share of
merchandise trade in Indias GDP is expected to increase and approach levels achieved in developed countries. India lags far behind
in ports and logistics infrastructure. Against a share of 9 percent of railways and 6 percent of roads in the GDP the share of ports is
only 1 percent. In addition high logistics costs make Indian exports uncompetitive. Therefore Sagarmala project has been envisioned
to provide ports and the shipping the rightful place in the Indian economy and to enable port-led development.
Amongst Indian States, Gujarat has been a pioneer in adopting the strategy of port-led development, with significant results. While in
the 1980s the state grew at only 5.08 percent per year (National average was 5.47 percent), this accelerated to 8.15 percent per
annum in the 1990s (All India average 6.98 percent) and subsequently to more than 10 percent per annum, substantially benefitting
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from the port-led development model.

The growth of Indias maritime sector is constrained due to many developmental, procedural and policy related challenges namely,
involvement of multiple agencies in development of infrastructure to promote industrialization, trade, tourism and transportation;
presence of a dual institutional structure that has led to development of major and non-major ports as separate, unconnected entities;
lack of requisite infrastructure for evacuation from major and non-major ports leading to sub-optimal transport modal mix; limited
hinterland linkages that increases the cost of transportation and cargo movement; limited development of centres for manufacturing
and urban and economic activities in the hinterland; low penetration of coastal and inland shipping in India, limited mechanization and
procedural bottlenecks and lack of scale, deep draft and other facilities at various ports in India.
An illustrative list of the kind of development projects that could be undertaken in Sagarmala initiative are (i) Port-led industrialization
(ii) Port based urbanization (iii) Port based and coastal tourism and recreational activities (iv) Short-sea shipping coastal shipping and
Inland Waterways Transportation (v) Ship building, ship repair and ship recycling (vi) Logistics parks, warehousing, maritime
zones/services (vii) Integration with hinterland hubs (viii) Offshore storage, drilling platforms (ix) Specialization of ports in certain
economic activities such as energy, containers, chemicals, coal, agro products, etc. (x) Offshore Renewable Energy Projects with
base ports for installations (xi) Modernizing the existing ports and development of new ports. This strategy incorporates both aspects
of port-led development viz. port-led direct development and port-led indirect development.
***
AKT/SH/SK
3/3
Sukanya Samridhi Yojana
Money saving Scheme to help in the girls education and marriage and is a part of BETI PADHAO
BETI BACHAO
9.1% interest on savings bank and is the highest which can be revised
Non taxable interest and income tax rebate can be availed
Account will mature at 21 years from the date of opening but deposits will only be made for 14
years i.e. no deposits from 15 to 21st year
Account can be opened by girls biological parents or legal guardians
Account on post office or public bank but NO PRIVATE BANK
Only accounts for two girls with one account each
Minimum deposit of Rs 1000 per year and max is 1.5 Lakhs
If minimum amount is not deposited then penalty of Rs 50 is levied
Account is transferrable
At age of 10 years the girl can operate her account
The girl can withdraw 50% of the amount at the age of 18 for her education or marriage.
Girl cant operate account beyond marriage.
NEW DELHI: The Narendra Modi government is preparing to replace one of its predecessor UPA's
flagship programmes soon after the prime minister returns from his overseas trip. The Jawaharlal Nehru
National Urban Renewal Mission (JNNURM) will make way for a new mission aimed at upgrading
infrastructure in cities.
The new mission has received the nod from the expenditure finance committee (EFC) and the Cabinet
note has been circulated, officials told ET, adding that the states will have to rely mainly on their
resources under the proposed model since the Centre has kept its funding commitment minimal.
"The new urban development mission will work on the model of devolution of powers to the states,
which has been the Modi government's mantra," a senior official said, requesting not to be named. "It
will emphasise on partnership with the states, with the nodal central ministry ideating and planning," he
added. The mission, involving projects related to sanitation, drinking water, urban transportation and
sewerage, will be separate from the Centre's other urban development initiatives such as Swachh Bharat
Mission, Smart City scheme and programme to develop 500 cities.
The Centre will follow a strict incentive-based approach and release funds under the new mission only if
the states meet the targets set for the projects. The states will also have to undertake certain reforms in
order to be eligible for projects under this mission, another official said. Although the Modi government
had earlier thought of renaming JNNURM after veteran BJP leader and former Prime Minister Atal Bihari
Vajpayee, the urban development ministry, which is the nodal ministry for the urban renewal mission,
has not proposed any name for the new mission.
"This decision is a political call. We have not proposed any name. This decision will be taken in the
Cabinet when it discusses the new mission," said a senior ministry official.
A very big question before the mission is whether to fund the incomplete projects under JNNURM. Of
the 1,406 projects sanctioned between 2007 and 2012 under JNNURM, 693 are incomplete. The
programme had started floundering towards the end of the Congress-led UPA's term, with land
acquisition, non-availability of contractors and re-tendering issues plaguing the projects. If the Modi
government were to fund all the projects till completion, it will have to fork out a whopping `7,871 cr.
However, the government is not prepared for such commitment, officials said, adding that a formula has
been worked out as per which the Centre is likely to fund those projects which have achieved at least
threefourths physical progress.
"The government was earlier thinking of completely withdrawing from JNNURM projects. But the states
gave us representations during interactions, urging that we could not ignore these ongoing projects. So
the formula has been worked out," said the official.
The PAHAL (DBTL) scheme was earlier launched on 1st June 2013 and finally covered 291 districts. It
required the consumer to mandatorily have an Aadhaar number for availing LPG Subsidy. The
government has comprehensively reviewed the scheme and after examining the difficulties faced by the
consumer substantively modified the scheme prior to launch. The modified scheme has been relaunched in 54 districts on 15.11.2014 in the 1st Phase and to be launched in rest of the country on
1.1.2015. The modified scheme is given as under:
Options to receive LPG subsidy
Under the modified scheme, the LPG consumer can now receive subsidy in his bank account by
two methods. Such a consumer will be called CTC (Cash Transfer Compliant) once he joins the
scheme and is ready to receive subsidy in the bank account. The two options are:
o
Option I (Primary): Wherever Aadhaar number is available it will remain the medium of
cash transfer. Thus, an LPG consumer who has an Aadhaar Number has to link it to the
bank account number and to the LPG consumer number.
Option II (Secondary): If LPG consumer does not have an Aadhaar number, then he can
directly receive subsidy in his bank account without the use of Aadhaar number. This
option which has now been introduced in the modified scheme ensures that LPG
subsidy is not denied to an LPG consumer on account of lack of Aadhaar number. In this
option,
Either consumer can
Present bank account information (bank account holder name /account number
/IFSC code) to the LPG distributor for capture in LPG database
OR
Present LPG consumer information (17 digit LPG consumer ID) to his bank
LPG Consumers who are already CTC prior to launch on PAHAL (DBTL)
Domestic LPG Consumer who had already joined the earlier PAHAL (DBTL) scheme by linking
their Aadhaar to bank and LPG database dont need to take fresh action for receiving subsidy as
the subsidy will be transferred to their bank accounts via Aadhaar based on the previous
seeding. Such CTC consumers cannot exercise Option II above.
Pricing under PAHAL (DBTL)
In the PAHAL (DBTL) district(s), domestic LPG cylinders will be sold to CTC domestic LPG
consumers at Market Determined Price (does not include subsidy) from the date of launch of
the scheme.
Amount transferred to consumer
The total cash applicable on LPG cylinder will then be transferred to the CTC consumer for each
subsidized cylinder delivered (up to the cap) as per his entitlement.
Grace Period
Non-CTC consumers will be allowed 3 months from the date of launch of PAHAL (DBTL) to
become CTC. During this period such consumers will receive their entitlement of subsidized
cylinders at the then applicable subsidized retail selling price.
Parking Period
o
After the grace period of 3 months, all non-CTC LPG consumers will get an additional 3
monthParking Period, during which the sale will happen at Market Determined Price for
all LPG consumers.
But for non-CTC consumers the total cash on the sale made to such consumers (as per
their entitlement) shall be held back with the respective OMC to be transferred to the
LPG consumers bank account in case consumer becomes CTC anytime during the
Parking Period.
In case consumer does not become CTC during this Parking Period, the parked funds will
lapse and consumer shall become ineligible to receive the parked funds and sale will
continue at market determined price till consumer becomes CTC.
After the expiry of the Grace Period of 3 months, and thereafter an additional Parking Period of 3
months, all non-CTC consumers will receive cylinders at marker determined price and will not be
entitled to total cash until they become CTC. When non-CTC consumers become CTC beyond the parking
period they will be eligible to get one time permanent advance and total cash entitlement on balance
subsidized cylinders in that financial year.
Permanent Advance
o
A one-time Advance will be provided to every CTC consumer joining PAHAL (DBTL).
The Advance will be notified, from time to time and will remain fixed for a financial year.
It will remain with the consumer till the time of termination of connection, when it will
be finally adjusted.
LPG consumers who were provided permanent advance on a previous scale will not be
eligible for any differential payment on account of the revision in the permanent
advance.

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7/19/2015

Prime Minister to Launch Make in India Initiative

Press Information Bureau

Prime Minister to Launch Make in India Initiative

Prime Minister to Launch Make in India Initiative

on-line filing of all returns in a unified form;

no inspection without the approval of the Head of the Department, etc.

Make in India: A Lions Step to boost manufacturing

Press Information Bureau

Make in India: A Lions Step to boost manufacturing

Make in India: A Lions Step to boost manufacturing

To create 100 million additional jobs by 2022 in manufacturing sector.

An increase in domestic value addition and technological depth in manufacturing.

Ensuring sustainability of growth, particularly with regard to environment.

Tapping Golden Opportunity:

The cost of manpower is relatively low as compared to other countries.

Responsible business houses operating with credibility and professionalism.

Strong consumerism in the domestic market.

Well-regulated and stable financial markets open to foreign investors.

Make in India: A Lions Step to boost manufacturing

Atal Mission for

A presentation by the MoUD

The National Priority is to create infrastructure

to provide basic services to households, and

This will improve the quality of life of all,

Cooperative federalism- Freedom to States/ULBs

Service Delivery Focus on infrastructure that

Reforms Incentivised 10% incentive for Achievement

Capacity building strategy.

O&M of infrastructure built-in at Planning stage itself.

Focus on Planning before hand

Service Level Improvement Plans (SLIP),

State Annual Action Plan (SAAP).

sewerage facilities and septage management,

storm water drains to reduce flooding,

pedestrian, non-motorized and public transport

enhancing amenity value of cities by creating and

Five hundred (500) cities will be taken up

Formula for Allocation to States - total population and

State contribution to the project cost shall not be less than

Project fund - 80% of the annual budgetary allocation (90% during

Incentive for Reforms - 10%

State funds for A&OE - 8%

MoUD funds for A&OE - 2%

1/3 of project cost to cities

O&M for five years will be included

citizen consultations universal coverage land to be in

times the annual allocation.

be used a RfP is in the Toolkit.

SLIP to SAAP to Execution

ULBs prepare SLIP in consultation with the citizens and

Implementation begins after the detailed technical & financial

the State level.

Check estimate IRR,

ULBs to ensure city level of approvals of

State Level Technical Committee (SLTC) to

State Level High Powered Steering Committee (SHPSC) chaired

City Level ULBs will be responsible for Implementation of

been set aside as incentives for States/ULBs graded on basis

Constitution and Professionalization of Municipal

Augmenting Double Entry Accounting

Urban Planning and City Development Plans

Devolution of Funds and Functions

Review of Building by-laws