Friday, November 12, 2021

Now 27 percent reserve for OBC and 10 percent reserve for students in medical section

Now 27 percent reserve for OBC and 10 percent reserve for students in medical section
Now 27 percent
reserve for OBC 
27 percent reserve for OBC and 10 percent reserve for students 

Of the economically weaker section in medical admission, the government approved

The central government has approved the reserve for the OBC and students of the economically weaker sections in admission to medical schools. Now, in the admission of graduate medicine courses, that is, MBBS, BDS, and postgraduate, at the diploma level, a 27 percent reserve will be given to students of Other Delayed Classes, that is, OBC (Other Delayed Classes ), while a 10 percent reserve will be given to students from economically weaker sections. The current decision will be applicable from the current academic session 2021-22 under the All India Reserve Plan.

Explain that the demand for OBC reservation in the All India quota seats for medical admission was long ago. Anupriya Patel and other OBC MPs and ministers led by Union Minister of Labor and Environment Bhupendra Yadav, Union Minister of Steel RCP Singh, met Prime Minister Narendra Modi on the issue on Wednesday. These Union ministers had drawn the government's attention to the discrepancy in the reservation.

Previously, no reservations were being given to CBOs on the All India quota related to admission to medical colleges. In this All India quota related to admission to medical colleges, only reservations were being given to SC-ST. On this issue, the OBC parliamentarians raised the demand for change.

Under the leadership of BJP MP Ganesh Singh, OBC MPs had demanded a reservation on the All India quota related to medical admission. The CBO MPs had asked Prime Minister Modi that the reservation system for CBOs and EWSs (Economically Weakest Sections) set out in the Constitution be also implemented in the all-India quota related to medical admission.

Prime Minister Modi has called this move a reform related to social justice. He tweeted that our government has made a historic decision to provide a 27 percent reserve for OBC and a 10 percent reserve for the economically weaker sections in the All India Quota Scheme in postgraduate medical or dental courses and graduate of the current academic session. This decision will mark a new paradigm of social justice in our country.

When giving information about this decision, the Union Ministry of Health said that it will benefit about 5,550 students. The central government undertakes to provide adequate reserve for students from the OBC and from the economically weaker sections. This decision is believed to benefit approximately 1,500 MBBS OBC students and approximately 2,500 OBC graduate students each year. Similarly, around 550 students from economically weaker sections at MBBS and around 1000 graduate students will benefit.

In an official statement issued by the Union Health Ministry, PM Narendra Modi, in a meeting on Monday, was said to have ordered the central ministries concerned to effectively resolve this long-pending issue. . Following this decision, OBC students across the country will now be able to get the benefit of this booking under the All India Booking Scheme in any state. After the decision of the central government, the central list related to OBC will be used for this reservation.

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Pradhan Mantri Jan Dhaan Yojana

Pradhan Mantri Jan Dhaan Yojana
Pradhan Mantri
Jan Dhaan Yojana

Know More About 
Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana is that the National Mission for Financial Inclusion in India and whose objective is to produce banking facilities for any or all the families across the country and to open a checking account of each family. 

The scheme was announced on 15 August 2014 and was launched by the Indian Prime Minister Shri Narendra Modi on 28 August 2014. Before the formal launch of the project, the Prime Minister sent an e-mail to all or any of the banks within which he declared 'Bank Account for each Family' as a 'National Priority and quite seven crore families should be admitted and their account under the scheme. All the banks were asked to modify to open. 1.5 crore bank accounts were opened on the day of the inauguration of the scheme.

Phase I (15 August 2014 to 14 August 2015):-

1. Ensuring everyone's access to banking facilities.

Providing basic checking account with overdraft facility of Rs 5000 after 6 months and Rupee revolving credit and Rupee Kisan Card facility with built-in accident insurance cover of Rs 1 lakh.

Financial Literacy Program | Phase II (15 August 2015 to fifteen August 2018):-

Establishment of Credit Guarantee Fund to hide defaults in overdraft accounts.

microinsurance

Unorganized sector insurance scheme like Swavalamban.

Apart from this, families living in hilly, tribal, and inaccessible areas are included during this phase. Not only this, but the main target also will get on the remaining adult members of the family and also the students during this phase.

Documents required to open an account under Pradhan Mantri Jan-Dhan Yojana:-

If Aadhar Card / Aadhar Number is obtainable then no other documents are required. If the address has changed, self-attestation of this address is sufficient.

If the Aadhaar card isn't available, any of the subsequent officially valid documents (OVD) are required: Voter ID, driver's license, PAN Card, Passport, and NREGA Card. If these documents also include your address, it can function as both a signal of identity and address?

If an individual doesn't have any of the officially valid documents mentioned above, but it's classified as low risk by banks, he can open a checking account by submitting any one of the subsequent documents:

Identity Card with photograph of the applicant issued by Central/authorities Departments, Statutory/administrative body, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions; Letter issued by a Gazette Officer, with a duly attested photograph of the person.

Special benefits under Pradhan Mantri Jan-Dhan Yojana-

1. Interest on deposit

2. Accident insurance cover of lakhs

3. No minimum balance is required.

4. Life insurance cover of Rs.30,000/-.

5. Easy money transfer across India.

6. Beneficiaries of state schemes will get direct benefit transfers in these accounts.

7. After 6 months of satisfactory operation of the account, an overdraft facility is going to be allowed.

8. Accident insurance cover, Rupay charge account credit must be used a minimum of once in 45 days.

9. 5000/- is accessible only in one account per household, preferably the feminine of the household.

Objectives of Pradhan Mantri Jan-Dhan Yojana (PMJDY):-

Providing banking facilities through bank branches, mobile van, BC model, etc. and opening of rural people accounts in 3.24 lakh villages out of 5.92 lakh villages of India.

To open a minimum of one checking account from each family.

Opening of accounts altogether banks to hide all the families of the country. it's noteworthy that 6 crores rural and 1.5 crore urban households in India don't have a checking account.

Providing RuPay ATM card to each account holder.

To provide accident insurance good thing about up to Rs.1 lakh to the beneficiary through RuPay ATM card.

To provide financial literacy to the purchasers during account opening.

To provide overdraft facility up to Rs.5000 to them after 6 months of satisfactory operation of the account.

To provide microinsurance products and micro pensions to the shoppers.

Benefits of Pradhan Mantri Jan-Dhan Yojana (PMJDY):-

The amount received by the subscriber from government schemes like MNREGA, social insurance Scheme, Social Pension Scheme, etc. are deposited directly in his account and corruption is going to be stopped.

With the accounts having the advantage of insurance, the purchasers will get protection. Low-cost deposits in banks will increase.

ATM, mobile and internet banking, credit/debit cards, etc. will increase the trend and therefore the country will move towards development.

Account may be opened with zero balance.

Each account holder will get an overdraft facility up to Rs.5000.

VISIT  OFFICIAL WEBSITE: https://pmjdy.gov.in/

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What's Prime Minister Crop Insurance Scheme?

What's Prime Minister Crop Insurance Scheme?
What's Prime Minister
Crop Insurance Scheme?

To remove crop uncertainty of farmers, Narendra Modi's cabinet approved the Pradhan Mantri Fasal Bima Yojana on 13 January 2016. 

Pradhan Mantri Fasal Bima Yojana will reduce the loss of farmers due to natural calamities to some extent by paying the installments of the farmers.

8,800 crore will be spent on this scheme. Under Pradhan Mantri Fasal Bima Yojana, farmers will be asked to pay a premium of 2% for Kharif crop and 1.5% for Rake crop by insurance companies.

This includes very low insurance premiums paid by farmers for crops damaged by natural calamities, which can be easily paid by farmers at all levels. The scheme provides protection not only for Kharif and Rabi crops but also for commercial and horticultural crops. Farmers will have to pay 5% per annum for commercial and horticultural crops.

Major aspects of the scheme:-

Farmers should pay only a 2% uniform premium for all Kharif crops and 1.5% for all Rabi crops. In the case of annual commercial and horticultural crops, the premium will be 5% only.

The rates of premium to be paid by the farmers are very low and the arrears of premium will be paid by the government to the farmers to pay the full amount of insurance for crop loss in case of any natural calamity.

There is no upper limit for government grants. Even if the remaining premium is 0%, the government will pick it up.

Earlier, there was a cap on the premium rate which forced the farmers to pay lesser claims. Now, this has been removed and farmers can claim the full sum insured without any deduction.

The use of technology will be greatly encouraged. Smartphones, remote sensing drones, and GPS technology will be used to collect and upload crop harvesting data to reduce delay in claims.

The allocation for the scheme presented in the 2016-2017 budget is Rs 5,550 crore.

The insurance scheme will be handled by the sole insurance company, Agricultural Insurance Company of India (AIC).

PMFBY is an alternative to the National Agricultural Insurance Scheme (NAIS) and the Modified National Agriculture Insurance Scheme (MNAIS) and is therefore exempt from service tax.

Objectives of the scheme:-

To provide insurance cover and financial assistance to farmers in case of failure of any notified crop due to natural calamities, pests, and diseases.

To stabilize the income of farmers to ensure continuous work in agriculture.

To encourage farmers to adopt innovative and modern methods of agriculture.

Ensuring the flow of credit to the agriculture sector. 

VISIT OFFICIAL WEBSITE:https://pmfby.gov.in/

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Prime Minister's Motherhood Vandana Yojana

 Prime Minister's
 Motherhood
Vandana Yojana

Pradhan Mantri Matritva Vandana Yojana (PMMVY) is the changed name of Matritva Sahyog Yojana 

Under which the government provides assistance of Rs 6000 to pregnant and lactating mothers for the birth of the first live child.

This new scheme has been approved by the Union Cabinet of the Central Government. The Union Cabinet has given a new name to Pradhan Mantri Matritva Vandana Yojana (PMMVY) which was prior named Indira Gandhi Matritva Sahyog Yojana during the UPA system. This plan will be carried out by the Ministry of Women and Child Development, the earlier Maternity Assistance Scheme was not so successful, even many people were not even aware of it.

Purpose of Pradhan Mantri Matritva Vandana Yojana:-

Providing partial compensation to working women and ensuring their proper rest and nutrition.

Improving the health of pregnant women and lactating mothers through cash incentives and reducing the effects of under-nutrition.

Pradhan Mantri Matritva Vandana Yojana (PMMVY) was earlier named Indira Gandhi Matritva Sahyog Yojana during the UPA regime. This scheme will be implemented by the Ministry of Women and Child Development.

Benefits of Pradhan Mantri Matritva Vandana Yojana Scheme:-

Under this scheme, pregnant women and lactating mothers will be benefited from the birth of the first live child. The assistance amount will be sent directly to the beneficiary's bank account through DBT mode. According to the report, the government will pay the following amount in installments:

The first installment of Rs.1,000 will be provided at the time of registration of pregnancy.

After 6 months of pregnancy, the second installment of Rs 2,000 will be provided after at least one antenatal check-up.

When the child is registered and the child has the first vaccination cycle including BCG, OPV, DPT, and hepatitis-B, the third installment of Rs 3,000 is provided.

Pradhan Mantri Matritva Vandana Yojana (PMMVY) won't be relevant to the accompanying classes of pregnant ladies and lactating moms:

Women who are in regular employment with the Central or State Government or any Public Sector Undertaking.

Women who are getting similar benefits under any other scheme or law.

The total budget of this scheme has been fixed at Rs 12,661 crore and it will be implemented between January 2017 to March 2020. Of the total Rs 12,661 crore, Rs 7,932 crore will be borne by the central government while the remaining amount will be borne by the respective state governments.

VISIT OFFICIAL WEBSITE: https://wcd.nic.in/pradhan-mantri-matru-vandana-yojana

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Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana
 Pradhan Mantri
 Jeevan Jyoti
Bima Yojana

On May 9, 2015, Prime Minister Narendra Modi launched three schemes 

Namely Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY). common man. 

Of these, the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is effective from 1 June 2015. It is an attractive renewable insurance plan which provides adequate social security to the citizens on payment of an annual premium of only Rs.330. Premium payment is also very convenient. This premium is automatically debited directly from the customer's bank account. Pradhan Mantri Jeevan Jyoti Bima Yojana is a progressive step towards increasing insurance awareness and coverage in the country.

Through the Pradhan Mantri Jeevan Jyoti Bima Yojana, the central government aims to bring insurance to all sections of society. At present 80-90% of the total population of the country does not have any kind of insurance cover.

Under this scheme, a life insurance cover of Rs 2 lakh is given for one year in case of the death of the subscriber due to any reason. Savings account holders in the age group of 18-50 can get renewable life insurance this year by paying an annual premium of Rs 330 per subscriber. If a person has more than one savings account in one or different banks, he can still avail of PMJJBY, but in that case, he can join the scheme with only one savings account.

How to start Pradhan Mantri Jeevan Jyoti Bima Yojana:-

Via SMS-

An SMS is sent to the eligible customers applying for this scheme to which they have to reply by typing PMJJBY <space> 'Y' in English. If the subscriber sends PMJJBY<space> as 'Y' then he joins the plan and another SMS is sent to him that he has been included in the plan.

This scheme depends on the banking system for smooth operation. The details of his/her relationship with the nominee/applicant and date of birth etc. are captured only from the information available in the savings account through the scheme.

The application for PMJJBY is not processed unless the name of the nominee is entered in the bank records.

The annual premium for the policy is paid from the savings account through auto-debit mode and if the premium is not paid for any reason, the insurance cover of the plan member is terminated.

Through Net Banking -

The customer can click on the 'Insurance' tab after logging in through Net Banking. And then they have to choose the PMJJBY as well as the account through which the premium is to be paid. Also, they can keep the nominee in the existing savings account status or nominate a new one of their choice.

They will have to declare their health and submit a self-signed certificate. On completion of this process, the system will display the complete details of PMJJBY. After clicking on the 'Confirm' button, they will receive a form submission receipt in the form of a unique reference number which can be downloaded and kept for future reference.

A premium of Pradhan Mantri Jeevan Jyoti Bima Yojana:-

PMJJBY can be renewed year after year. The member of this plan has to pay a premium of Rs 330 per year which means he has to deposit less than Re 1 per day and Rs 2.5.5 per month. This amount is deducted in one installment from the account holder's savings bank account through the 'auto debit' facility. Hence, customers need to deposit the required amount in their bank account and renew the policy every year.

The annual installment under this scheme is paid during each annual coverage period before 31st May. If the annual installment cannot be paid before this date, the policy can be renewed by paying the entire annual premium in a lump sum with self-declaration of good health. For their convenience, the scheme member may be ordered to make a self-debit at the same time every year during the plan period.

Eligibility criteria: -

All citizens of India who are between 18 to 50 years of age and have an account in any of the banks recommended for the scheme can apply for the scheme and the minimum amount can be deposited in the scheme. The premium should be enough to pay Rs 330. Also, the applicant should have an Aadhar Card which will be considered as the main KYC (Customer Information) of the candidate for that bank account. The applicant is required to provide the name of the nominee and the details of his/her relationship with him/her. In addition, the applicant must submit a self-declaration of good health in the well-filled application.

The scheme is administered and offered in collaboration with the participating banks which are master policyholders, including the Insurance Corporation of India (LIC) and other life insurance companies. LIC / the chosen insurance company, in consultation with the participating bank, shall implement a simple and customer-friendly administration and claim settlement. 

The Insurance Company shall implement a simple and customer-friendly administration and claim settlement process in consultation with the participating bank. Truth be told, the choice of including any Life Insurance Company in the execution of this plan for its clients will be at the tact of the taking part banks.  They will bear the obligation of recuperating the yearly premium in one portion, at the choice, from the record holders preceding the due date through the 'auto charge' measure. They will send the expenses each year to the insurance agencies when they are gotten. 

Termination of Insurance:-

Extra security cover can be either ended or reduced in any of the accompanying circumstances-

On attaining the age of 55 years of the account holder.

If he closes his bank account or does not have a sufficient deposit in his bank account to continue the insurance scheme.

If he has received cover through more than one account, the cover will be limited to Rs 2 lakh and the premium will be forfeited.

VISIT OFFICIAL WEBSITE: https://financialservices.gov.in/inonsurance-divisis/(PMJJBY)

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Pradhan Mantri Housing Scheme

Pradhan Mantri Housing Scheme
Pradhan Mantri
Housing Scheme 

Hon'ble Prime Minister has conceived lodging for all constantly 2022 on the fulfillment of 75 years of the freedom of the country.

To achieve this prudence, the Central Government has started a total mission "Housing for all by 2022". 

On June 25, 2015, Prime Minister Shri Narendra Modi has begun this much-anticipated plan for the sake of Pradhan Mantri Awas Yojana. 

Recipient:- 

The recipient family will comprise a spouse, wife, and unmarried youngsters. The beneficiary family should not have a pucca house (all-environment private units) in any piece of India either in its name or for any person from its relative. 

The goal of this mission is to meet the lodging needs of the metropolitan poor including ghetto tenants through the accompanying system alternatives 

- Slum restoration of ghetto tenants with the interest of private advertisers, utilizing the land as an asset. 

- Promotion of reasonable lodging for more vulnerable segments through credit-connected interest sponsorship. 

Reasonable lodging in organization with general society and private areas. 

- Subsidy for recipient-based individual lodging development. 

Inclusion and Duration:- 

500 Category-. Every one of the 4041 legal urban communities will be shrouded in three stages according to Census 2011 with attention on urban communities, the subtleties of which are as per the following- 

Step-. (April 2015-March, 2017) - States/UTs to cover 100 urban areas according to their ability. 

Step-॥ (April 2017-March, 2019) - to cover extra 200 urban communities. 

Step-॥. (April 2019-March, 2022) - to cover any remaining excess urban communities. 

Nonetheless, the Ministry will have the adaptability to remember extra urban communities for the prior stages, in case there is an asset-supported interest from the States/UTs.

VISIT OFFICIAL WEBSITE: https://pmaymis.gov.in/

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Pradhan Mantri Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana
 Pradhan Mantri Suraksha
Bima Yojana 

The public authority has declared the Pradhan Mantri Suraksha Bima Yojana for their security for, sudden passing, and inability under protection plans. 

Pradhan Mantri Suraksha Bima Yojana is a kind of mishap protection strategy. Under which the measure of protection can be guaranteed if there should arise an occurrence of death or incapacity at the hour of the mishap. Pradhan Mantri Suraksha Bima Yojana will be substantial for 1 year. Which must be restored after each one year.

Under the Pradhan Mantri Suraksha Bima Yojana, a total safeguarded of Rs. 2 lakh will be given in the event of death and absolute inability and Rs. 1 lakh if there should be an occurrence of fractional handicap. An individual of 18 to 70 years can join the Pradhan Mantri Suraksha Bima Yojana. 

On joining the Pradhan Mantri Suraksha Bima Yojana, a measure of Rs 12 every year should be paid to the holder as a premium. 

Components of Pradhan Mantri Suraksha Bima Yojana:- 

1. Qualification 

Under the Pradhan Mantri Suraksha Bima Yojana, any individual of Indian beginning between the ages of 18 and 70 can exploit. 

To join the Prime Minister's Suraksha Bima Yojana, it is compulsory to have an Aadhar card. 

Assuming a shopper has at least one bank accounts, he can join the Pradhan Mantri Suraksha Bima Yojana through anybody's bank account. 

2. The most effective method to turn into a piece of Pradhan Mantri Suraksha Bima Yojana - 

To be a piece of Pradhan Mantri Suraksha Bima Yojana, the holder/shopper should initially interface his Aadhar card with the bank, after that before first June consistently, a structure should be filled and given to the bank. After a short interaction, the holder can undoubtedly exploit the Pradhan Mantri Suraksha Bima Yojana. 

Under the Pradhan Mantri Suraksha Bima Yojana, there are two choices to remain associated with the plan - 

Choice 1: Holders fill the structure before first June consistently. Subsequent to presenting the structure, the bank will deduct the superior sum from the record. 

Alternative 2: Take a drawn-out openness of 2 to 4 years. On the off chance that the holder selects it, the superior sum will be naturally deducted from the record by the bank each year. 

Under the Pradhan Mantri Suraksha Bima Yojana, the protected should pay Rs 12 every year as a premium before 31st May. 

Pradhan Mantri Suraksha Bima Yojana application structure is accessible in Bengali, English, Gujarati, Hindi, Kannada, Marathi, Odia, Tamil, and Telugu. 

Advantages of Pradhan Mantri Suraksha Bima Yojna Under the Pradhan Mantri Suraksha Bima Yojana, the holder will be given incidental disaster protection of Rs 2 lakh. Furthermore, protection of Rs 1 lakh will be given on fractional misfortune. For this total guaranteed, the holder should pay just Rs 12 every year for example Re 1 every month as a premium. Later on, the Pradhan Mantri Suraksha Bima Yojana will be connected to the Pradhan Mantri Jan Dhan Yojana. 

Being connected to this Pradhan Mantri Suraksha Bima Yojana bank, the holder will dispose of the concern of paying the premium as this sum will be deducted straightforwardly from the record. Pradhan Mantri Suraksha Bima Yojana is viewed as the least expensive protection conspire ever.

VISITOFFICIALWEBSITE:https://financialservices.gov.in/insurance divisions/Yojana(PMSBY)

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