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1. Pradhanmantri Jan-Dhan Yojana : To provide bank accounts, insurance cover and a debit card to
all Indian citizens. Here are some benefits of this Government Scheme launched by PM Narender
Modi. It was launched on 15 August 2014.
a. Jan Dhan Yojna account holders will be provided free zero-balance bank account along with RuPay
debit card. They will also be entitled to accidental insurance cover of Rs 1 lakh.
b. Those people who open their account by January 26, 2015, they will also be given life insurance
cover of Rs 30,000.
c. After opening of account for 6 months, account holder can avail Rs 5,000 loan from the bank.
2. Krishi Amdani Beema Yojana : It is to help farmers don’t bear any financial loss if their crops gets
destroyed due to any reason like unexpected weather.
4. Pradhan Mantri Saansad Adarsh Gram Yojana - Launched by PM Modi, this scheme is an an
ambitious village development project under which each MP will take the responsibility of
developing physical and institutional infrastructure in 3 villages by 2019.
6. Mahatma Gandhi Pravasi Suraksha Yojana (MGPSY) : It is a pension and life insurance scheme
started by Indian government.
7. Rani Laxmi Bai Pension Scheme : It is a 'Special pension' scheme for Muzaffarnagar riot victims
announced by UP Govt.
8. Roshini Scheme : This yojana was launched for skill development and job placement for rural
youth and women in maoist affected 24 districts in 9 states.
9. Free CFL bulb Scheme : It is a State Govt. scheme launched by Tamil Nadu. Free CFL bulb scheme
will provide free compact fluorescent light (CFL) bulbs to over 14 lakh hut
dwellers in the state.
10. Vikram Unyogpuri : It is a Delhi-Mumbai industrial Corridor project. It was launched in Madhya
Pradesh.
11. Swavlamban Abhiyan : It was launched by PM Modi and have 11 welfare schemes of Gujarat
government.
12. Anna Bhagya Scheme : It is a Karnataka Government Scheme launched in Karnataka. It includes
distribution of 30 kg rice at one rupee per Kg to over 98 lakh BPL and Antyodaya card holders in the
state.
13. Amma Cement Scheme : This Scheme was launched by Tamil Nadu Government. It will procure
cement from private manufacturers and sell them at Rs. 190 per bag.
14. Golden Girl (Bangaru Talli) Scheme : It was launched in Andhra Pradesh to protect girl child and
ensure their education.
15. Bhagat Puran Singh Sehat Beema Yojana (BPSSBY) : Health care scheme for BPL
families launched in Punjab.
16. Annapurna : Under this government scheme, 10 kg of food grains are provided to BPL
households free of cost every month.
The Prime Minister Narendra Modi launched the promised Micro Units Development and
Refinance Agency Ltd (MUDRA) Bank on 8 April, 2015 with a corpus of Rs 20,000 crore and a
credit guarantee corpus of Rs 3,000 crore. The launch was the fulfillment of an announcement
made earlier by the Finance Minister Arun Jaitley in his FY 15-16 Budget speech.
How Can MUDRA Bank Make a Difference to the Economy?
Most individuals, especially those living in rural and interior parts of India, have been excluded
from the benefits of formal banking system. Therefore, they never had access to insurance, credit,
loans and other financial instruments to help them establish and grow their micro businesses. So,
most individuals depend on local money lenders for credit. The loan comes at high interest and
often with unbearable conditions, which make these poor unsuspecting people fall in a debt-trap
for generations. When businesses fail, the borrowers become vulnerable to the lender’s strong-arm
tactics and other forms of humiliation.
As per NSSO Survey of 2013, there are close to 5.77 crore small-scale business units, mostly sole
proprietorships, which undertake trading, manufacturing, retail and other small-scale activities.
Compare this with the organised sector and larger companies that employ 1.25 crore individuals.
Clearly, the potential to harness and nurture these micro businesses is vast and the government
recognises this. Today, this segment is unregulated and without financial support or cover from
the organised financial banking system.
The principal objectives of the MUDRA Bank are:
1. Regulate the lender and the borrower of microfinance and bring stability to the microfinance
system through regulation and inclusive participation.
2. Extend finance and credit support to Microfinance Institutions (MFI) and agencies that lend
money to small businesses, retailers, self-help groups and individuals.
3. Register all MFIs and introduce a system of performance rating and accreditation for the first
time. This will help last-mile borrowers of finance to evaluate and approach the MFI that meets
their requirement best and whose past record is most satisfactory. This will also introduce an
element of competitiveness among the MFIs. The ultimate beneficiary will be the borrower.
4. Provide structured guidelines for the borrowers to follow to avoid failure of business or take
corrective steps in time. MUDRA will help in laying down guidelines or acceptable procedures
to be followed by the lenders to recover money in cases of default.
5. Develop the standardised covenants that will form the backbone of the last-mile business in
future.
6. Offer a Credit Guarantee scheme for providing guarantees to loans being offered to micro
businesses.
7. Introduce appropriate technologies to assist in the process of efficient lending, borrowing and
monitoring of distributed capital.
8. Build a suitable framework under the Pradhan Mantri MUDRA Yojana for developing an efficient
last-mile credit delivery system to small and micro businesses.
J&K’s special status under article 370 of the Indian Constitution cannot
be altered: HC
Under the article 370, the state is allowed to have a constitution of its own and freed from
enforcement of legislations made by the parliament until it gets ratified by the state legislature.
Union Home Ministry extended the ‘disturbed area’ status of Nagaland for
one more year
Nagaland was declared as a disturbed area for a period of one year in exercise of the powers
conferred to Union Government by Section 3 of the Armed Forces (Special Powers) Act 1958.
Punjab Chief Minister Parkash Singh Badal launched Punjab ePMS portal
The portal will fast track infrastructure investment stalled projects, both in the public and private
sectors, involving investment between 100 crore rupees and 1000 crore rupees.
APMDC signed MoU with NSL Mining Resources India Pvt Ltd for iron ore
mining projects
NSL Mining Resources India Pvt Ltd is a subsidiary of Australian NSL Consolidated Ltd while
APMDC works under the Andhra Pradesh Government.
Tamil Nadu and Adani Power Ltd signed PPA to set up 200 MW solar power
plant in Ramanathapuram
The plant will be constructed with an investment of nearly 1400 crore rupees.
AMC launched USE and GET PAID scheme; Public Toilet Users to be paid 1
rupee
The civic body will pay the money after identifying people who defecate in open and sensitise
them to use public toilets and reward them.
Ajanmi Beti Ke liye Daud organised for the cause of saving girl child in
Himachal Pradesh
Ajanmi Beti Ke liye Daud was organized with a concern over alarming child sex ratio in the hill
state, which is 906 against 1000 females.
Andaman & Nicobar Police proposed to reserve 33% seats for women
The decision to keep women in police will help the vulnerable sections like women, children to
voice their grievances without fear and help resolve many problems.
World Bank approved 250 million dollar credit for Enhancing Teacher
Effectiveness in Bihar
The credit is being provided from IDA, the World Bank’s concessionary lending arm, and the
credit is on IDA terms with a maturity of 25 years, including a 5 year grace period.
MIDC signed a MoU with SIDBI Venture Capital Ltd to fund MSMEs
Accordingly, both MIDC and Small Industries Development Bank of India (SIDBI) Venture Capital
jointly created funds of 200 crore rupees.
Goa Chief Minister Laxmikant Parsekar launched Beti Bachao Beti Padhao
scheme in state
North Goa is among 100 districts selected from across the country to implement the central
government scheme on pilot basis.
Rajasthan Government signed deal with NHM, UNICEF & GAIN to counter
malnourishment
Initially, the programme will be implemented in thirteen districts in which more than 10000
children have been identified as malnourished.
BHEL commissioned 195 MW Thermal Unit of KBUNL in Bihar
This was the first 195 MW unit to be commissioned by BHEL at the 2x195 MW Muzaffarpur
Thermal Power Station (TPS) Plant of KBUNL. The second 195 MW unit is expected to be
commissioned in the on-going 2015-16 financial year.
Nitish Kumar constituted panel on salary revision for fixed pay teachers
The four member committee headed by Chief Secretary Anjani Kumar Singh has been asked to
submit its report to the government in one month time.
The 10% reservation is meant for Economically Weaker Sections (EWS) and Below Poverty Line
(BPL) category students from Classes I to XII in private unaided schools.
Justice Sunil Kumar Sinha appointed as Chief Justice of the Sikkim High
Court
He took charge on 30 March 2015 and had been the acting Chief Justice of the Sikkim High
Court since October 2014.
Railway Minister flagged off first goods train from Lumding to Silchar in
Assam
Lumding is a town and a municipal board in Nagaon district in Assam, while, Silchar is the
headquarters of Cachar district of Assam.
Delhi HC became the first court in India to set up commercial courts for
speedy disposal of cases
Chief Justice of Delhi HC G Rohini designated four benches to act as commercial courts.
Kerala Tourism won the silver prize of Golden Gate award for promoting
the backwaters of Kerala
The campaign was conceptualised by Kerala State’s Tourism Department’s creative and
marketing agency Stark Communications.
Bihar decided to provide free education to SC, ST and girl students till PG
Scheduled Castes (SC), Scheduled Tribes (ST) and girl students of Bihar will be granted free
education till Post Graduation in the state. The decision was made in meeting of the state cabinet
of Bihar Government.
J & K selected for the National Award of e-Governance for Best District
Level initiative
e-Panchayat project of J&K was selected for the National Award for e-Governance for the best
district-level initiative in Citizen-Centric Service Delivery through ICT.
World Bank signed tripartite agreement for smart cities initiatives during
Vibrant Gujarat Summit
The agreement was signed on the sidelines of Vibrant Gujarat Summit being held in
Gandhinagar. On the occasion, the State government released a special Vibrant Gujarat postal
cover.
Dima Hasao District of Assam got its first broad gauge railway track
A goods train with 43 wagons reached the main railway station of the Dima Hasao district using
this broad gauge railway track.
DMRC launched first public bicycle sharing scheme for Delhi Metro users
The scheme aims to provide pollution free last-mile connectivity to DMRC commuters. The eco-
friendly project was inaugurated from the Saket Metro Station in south Delhi.
Bihar Government increased maternity leave period to 180 days from 135
days
Bihar Government increased the duration of maternity leave to 180 days and also made
provisions for 730 days of child care leave. These leaves will be allowed for two children during
entire service period.
Union Government signed 75 million dollar loan deal with ADB for
KIUWMIP
Union Government signed loan agreement with ADB for $75 Million and $1.8 Million Grant for
KIUWMIP.
Union Government signed 60 million dollar loan deal with ADB for J&K
Union Government signed a loan agreement with ADB for a $60 million for Jammu and Kashmir
Urban Sector Development Investment Program.