Update on 12 Jan, 23
List of Government Schemes: Government Schemes in India are launched by the central or state governments for the social or economic welfare of the citizens of the country. These schemes are introduced and implemented by the government to resolve the socio-economic issues that affect our society in some way.
There are various schemes brought in by the government that benefitted the common citizens of India in the past and recently. In this article, we are going to discuss such Government Schemes 2023 which positively impacted the lives of the masses in India.
Below we have briefed some of the important government schemes for UPSC exam:
The Government of India recently announced Agnipath Scheme on 14th June 2023. The Agnipath Scheme is introduced for the recruitment of young jawans in the Indian Armed Forces.
Under Agnipath Scheme, the youth is encouraged to serve in the Indian Army for four years.
The primary reason behind introducing this scheme is to minimize the age range of the armed forces personnel and to reduce the escalating pension bills.
The implementation of this scheme will reduce the funds being spent on salaries and pensions and will be utilized in much-needed military resources and modernization.
The candidates aged under 17.5 years to 23 years old can apply for Indian Armed Forces under Agnipath Scheme.
Under this scheme, the young aspirants will be recruited by the Short Service Commission for a total of 4 years including a training period. After 4 years, only 25% of total recruits will be retained by IAF and others will be retired with an exit retirement package and reservation in various state government jobs such as Assam Rifles, CAPF, and State Police.
Under Shreshta Scheme (Scheme for residential education for students in High school in Targeted Areas), the scheduled caste people will be provided high-quality education in the best private residential schools in the country.
The objective of this scheme is to uplift the socio-economic status of the SC category people by providing their children with access to quality education.
The facility deprived SC students belonging to backward areas will get admission to Class 9th and Class 11th of CBSE-affiliated private schools.
Under Shreshta Scheme, approximately 3000 seats will be reserved in the CBSE-affiliated schools for such students in Class 9th & Class 11th, and the entire education expense and the residential fee will be borne by the Department of Social Justice and Empowerment.
Students who belong to economically weaker income groups within the SC community with a parental income up to Rs 2.5 L.P.A are eligible to apply for this exam.
The students studying in Class 8th and Class 10th will be able to avail of the benefits of the SHRESHTA scheme by appearing in the transparent selection exam NETS (National Entrance Test for SHRESHTA) which will be administered by NTA for providing admission to Class 9th & Class 11th under this scheme.
Launched on 25th June 2015, It is a housing scheme for rural citizens that aims to provide "Housing to all" rural people by the year 2023. The objective of this yojana is to replace the "kaccha houses" built with temporary walls and roofs with a "Pakka house".
Each housing loan or house provided under this scheme will be equipped with basic amenities and sewage facilities, Pradhan Mantri Awas Yojana-Gramin was launched by the Government of India in 2015 and it is being implemented by the Ministry of Housing and Urban Affairs.
PMJAY will focus on the poor, deprived families of rural areas and labor families in urban areas as per records of Socio-Economic Caste Census 2011 data.
People who belong to SC/ST categories, non-SC-ST categories freed bonded labors, widows or kins of defense personnel martyred or died on duty, ex-servicemen and retired parliamentary force members, minorities and disabled persons can be the beneficiaries of the PM Aawas Yojana -Gramin.
The selection of the beneficiaries for this scheme will be done through a three-step validation : (i) Socio-Economic Caste Census 2011 (ii) Gram Sabha (iii) Geo-tagging.
The PMAYG was started to provide 2.7 crore houses to the selected beneficiaries. So far, around 1.8 crore houses have been constructed under this scheme which is 67.72% of the target numbers.
In the Union Budget 2023, the Government of India allocated Rs 48,000 crores for PM Awas Yojana. According to the new budget for PMAY 2023, over 80 lac houses will be constructed for the identified beneficiaries of Pradhan Mantri Awas Yojana (for affordable housing scheme). Around 60,000 houses will be added as beneficiaries of the PMAYG scheme in urban and rural areas.
PMKVY is a scheme initially launched under the Skill India mission launched on 15th July 2015 (World Youth Skills Day). This scheme also aims to create new career opportunities for talented individuals within the nation and revamp the underdeveloped sectors.
The objective of PMKVYis to make the enable the youth of India to become self-sustainable to earn a better livelihood.
Under this scheme, over 40 crore youth will be provided with adequate education and training to develop market-oriented skills by the year 2023. As an outcome of this scheme over 9.85 lakh candidates were trained in the year 2015-2016.
The Ministry of Skill Development & Entrepreneurship launched the PMKVY 3.0 last year on 18th June 2023 as a step towards the initiative "Atmanirbhar Bharat". The implementation of the PMKVY 3.0 scheme will be done in an improved decentralized structure with bigger objectives and support from state/union territories and districts. An outlay of Rs 948.90 crores is set to train atleast 8 lacs candidates.
Around 728 PM Kaushal Kendras, non-PMKK empanelled training centers and 200+ Industrial Training Institutes will be in action to make PMKVY 3.0-Skill India a successful initiative.
This scheme was announced under the Start-Up India initiative on 16th January 2016 by the Government of India to provide financial assistance to India-based startups for market entry, proof of concept, and product trials. prototype development and commercialization.
The scheme was launched by the Department of Promotion of Industry and Internal Trade (DPIIT) with an expenditure of Rs 945 crores. A start-up business recognized and approved by the department and incorporated not more than 2 years ago is eligible to avail of the benefits of this scheme. Also, the start-ups should not have gotten financial support of more than Rs 10 lacs from any other state government or central government scheme.
This scheme promised to support about 3600 entrepreneurs through 300 incubators in 4 years. Financial assistance up to Rs 5 crores will be granted to the eligible incubators selected by the Experts Advisory Committee administered by the DPIIT.
The incubators selected by the committee will be granted Rs 20 Lacs for validation of proof of concept, product trials, and prototype development for the start-up.
Financial assistance up to Rs 50 Lacs will be given to the selected start-ups for commercialization, market entry, and scaling up the business.
PMJDYwas launched by the Government of India under the leadership of current PM Narendra Modi on 28th August 2014. This scheme was introduced and implemented to provide financial inclusion to the needy segments of the nation.
Financial Inclusion means access to financial services (such as bank accounts, credit, loans, remittances, insurance, and pension) and sufficient credit to vulnerable groups on time.
Under the Pradhan Mantri Jan Dhan Yojana scheme, a Person having no bank account opened in their name can open one basic savings bank deposit (BSBD) account can be created in any bank branch or Bank Mitra (Business Correspondent) outlet.
Bank Accounts opened under the PMJDY do not require to have any minimum balance maintained.
The PMJDY account holders will also earn interest on the deposit amount in the bank accounts and they will also be provided a Rupay debit card to make withdrawals and transactions.
An Accident Insurance cover of Rs 1 Lac (Rs 2 Lac to the new account holders who have opened their PMJDY accounts after 28 August 2018) will be given along with the RuPay card to the account holders.
An Overdraft Facility of Rs 10,000 will also be provided to the PMJDY account holders. Overdraft is the amount of money that you have spent that is more than the amount you have deposited in your bank account. Precisely the eligible PMJDY account holders will get an OD facility to spend Rs 10,000.
The PMJDY scheme bearers are also eligible to claim the benefit of other schemes such as Pradhan Mantri Jeevan Jyoti Bima Yojana, Direct Benefit Transfer (DBT), Atal Pension Yojana, Pradhan Mantri Suraksha Yojana, MUDRA Scheme.
Also known as Pradhan Mantri Jan Arogya Yojana, Ayushman Bharat Yojana is a health care scheme launched on 23rd September 2018 to help the economically weaker sections of the society to get proper healthcare facilities. The scheme plans to make healthcare facilities completely cashless for the financially incapable sections of the nation.
The scheme was rolled out to provide health insurance covers to 50 crore citizens in India for secondary and tertiary care.
The PMJAY scheme aims to provide healthcare to 10 crore families ( on average 5 members in each family) especially those who belong to an economically weaker background or have lower middle income. An insurance cover of Rs 5 Lac is granted per family who are selected as beneficiaries of this scheme.
The healthcare coverage provided to the PMJAY beneficiaries includes 3 days of pre-hospitalization and 15 days of post-hospitalization expenses. Also, the expenses of approx 1,400 medical procedures are borne by the government.
The beneficiaries are allotted an e-card that can be used to avail of the health care services at an impaneled hospital located anywhere in India.
Ayushman Bharat Scheme's Healthcare benefit package covers various expenses of surgery, medical and daycare treatment, medicine costs, and diagnostic expenses.
The Ayushman Bharat is an entitlement-based scheme that doesn't need any formal enrollment. There are no restrictions on family size or age to avail of the benefits of this scheme.
Pradhan Mantri Mudra Yojana was launched on 8th April 2015. The scheme was rolled out to help small-scale businesses by providing them loan assistance.
Under Pradhan Mantri Mudra Yojana, non-profitable companies and profitable companies (which are non-corporate, non-farm small/micro enterprises) can avail of a loan of upto Rs 10 Lacs to scale up their business. These loans will be called Mudra loans under PMMY Scheme.
The types of companies that are authorized to grant MUDRA loans under the Pradhan Mantri Yojana Scheme are Railway Recruitment Boards, Small Finance Banks, Micro Finance Institutions, Non-Banking Financial Corporations, and commercial banks.
The industries that can avail of the loan under the PMMY scheme are Business Vendors, Truck Owners, Self-employed Entrepreneurs, Handicraftsmen, Small-scale manufacturers, Restoration & repair shops, and Service-based companies, food production industry, Agricultural sector, Shopkeepers, and Handicraftsmen.
There are three types of mudra loan schemes namely Shishu, Kishor, and Tarun. Shishu Mudra scheme grants a loan of Rs 50,000, the Kishor Mudra scheme's loan amount ranges between Rs 50,000 to Rs 5 Lacs and the Tarun Mudra scheme allows the beneficiary to take loans ranging from Rs 5 Lacs to Rs 10 Lacs.
MUDRA is a financial institution set up by the government, It stands for Micro Units Development & Refinance Agency Ltd. This Institution is set up to provide funding to non-corporate small-scale businesses.
Loans are given to underprivileged and disadvantaged sections of society such as Minority Community borrowers, SC/ST/OBC borrowers, and women entrepreneurs under the Pradhan Mantri Mudra Yojna Scheme. According to a survey conducted by the Ministry of Labour & Employment, the MUDRA Yojana helped in generating about 1.12 crore jobs between the years 2015 to 2018 among which 69 lacs were accounted for by women.
The scheme was launched on 1st May 2016, it aims to safeguard the health of rural women and children by providing them LPG fuel for cooking, so they don't have to work in smoky kitchens and wander in unsafe areas in search of firewood.
This scheme promised to deliver 5 crores free LPG connections will be provided to Below Poverty Line families with the financial support of Rs 1600 per connection in 3 years.
In the first year of PMUY, around 2 crore connections were distributed, As of October 2017 around 3 crores connections were distributed and the total distributed LPG connections crossed the marks of 5.8 crores by December 2018. 44% of the total distributions were done to the SC and ST families.
On 10th August 2023, the government launched the second phase of Pradhan Mantri Ujjawala Yojana and named it Ujjawala 2.0. The objective of Ujjawala 2.0 (PMUY phase-II) was to provide benefits to the migrants who reside in other states and face difficulty to present address proof. Under these schemes, the migrants only need to submit a "Self-Declaration" to avail the benefit of the Ujjawala Scheme.
Under Ujjawala 2.0, an additional 1 crore LPG connections will be provided to the eligible families. All the beneficiaries of Ujjawala 2.0 will also get a free first refill and a hotplate.
This is another important Government Scheme for UPSC Preparation. It was launched under the leadership of Mr. Narendra Modi on 4th May 2017. It is a pension scheme that aims to provide social and financial security to senior citizens of India.
The objective behind this scheme is to protect the elderly from unfavorable market conditions in the future which may lead to deterioration of interest on income.
The Pradhan Mantri Vaya Vandana Yojana is administered by the Department of Financial Services, Govt. of India.
Earlier this scheme was valid till 31st March 2020 but it is extended till March 2023.
Under Pradhan Mantri Scheme, a senior citizen can make an investment up to Rs 15 Lacs, and the tenure of the investment policy will be 10 years. After the investment, they will get an assured Return interest of 7.40% per annum.
Senior citizens will be allowed to withdraw a monthly pension of Rs 1000 or more depending on the amount invested in the scheme. The maximum pension amount one can withdraw under this scheme is Rs 10,000.
The pension plan can be chosen by the pensioner during the time of purchasing the policy, they can choose from the pension payable plan of monthly, quarterly, half-yearly, or yearly.
The benefits of this scheme can be availed Online or offline through LIC - Life Insurance Corporation. Online LIC has given the authority to operate the PMVVY Scheme.
So, these were some brief summaries of the Best Government Schemes for UPSC 2023 which are important to be studied for UPSC Exams.
If you are a UPSC aspirant, then there are so many government schemes that are important for your exam preparation.
Below we have listed the names of some frequently asked Government schemes for UPSC 2023, You can check out the list here:
|Atmanirbhar Bharat Abhiyan||Mission Karmayogi|
|Rashtriya Gokul Mission||Savya Shiksha Abhiyaan|
|Pradhan Mantri SVANidhi Scheme||Samarth Scheme|
|Production Linked Incentive (PLI) Scheme||PM FME – Formalization of Micro Food Processing Enterprises Scheme|
|Solar Charkha Mission||National Digital Health Mission|
|PM-KISAN (Pradhan Mantri Kisan Samman Nidhi) Scheme||PM Garib Kalyan Yojana (PMGKY)|
|Pradhan Mantri Kisan Maan Dhan Yojana||Jan Dhan Yojana|
|Pradhan Mantri Shram Yogi Maan-Dhan||Operation Greens Scheme|
|Sukanya Samriddhi Scheme – Beti Bachao Beti Padhao||Sansad Adarsh Gram Yojana|
|Prime Minister Jeevan Jyoti Bima Yojana||Pradhan Mantri Suraksha Bima Yojana|
|Skill India Mission||AMRUT Plan|
|Digital India Mission||Gold Monetization Scheme|
|Setu Bhartam Yojana||National Mission for Clean Ganga (NMCG)|
|Relief in Emergency Situation (PM CARES)||UMANG – Unified Mobile Application for New-age Governance|
|PRASAD Scheme – Pilgrimage Rejuvenation And Spirituality Augmentation Drive||Swachh Bharat Mission|
|HRIDAY Scheme||PM Mudra Yojna|
|Atal Pension Yojana||Ujala Yojna|
|Prime Minister Ujjwala Plan||Atal Bhujal Yojana (ABY)|
|Prime Minister’s Citizen Assistance & Aarogya Setu||Ayushman Bharat|
|eSanjeevani Programme (Online OPD)||Pradhan Mantri Swasthya Suraksha Yojana|
|YUVA Scheme for Young Authors||Ethanol Blended Petrol (EBP) Programme|
|Scheme for Adolescent Girls (SAG)||Pradhan Mantri Matsya Sampada Yojana|
|Kapila Kalam Program||SVAMITVA Scheme|
|Samarth Scheme||Sahakar Pragya Initiative|
|Integrated Processing Development Scheme||Housing for All Scheme|
|Sovereign Gold Bond Scheme||Fame India Scheme KUSUM Scheme|
|Nai Roshni Scheme||New Jal Shakti Ministry|
|Deep Ocean Mission||National Nutrition Mission|
|Swadesh Darshan Scheme||National Water Mission|
|Saansad Adarsh Gram Yojana (SAGY)||Shramev Jayate Yojana|
|Pradhan Mantri Gram Sadak Yojana (PMGSY)||Smart Cities Mission|
|The mission for Integrated Development of Horticulture (MIDH)||Unique Land Parcel Identification Number (ULPIN) Scheme|
|UDID Project||Remission of Duties and Taxes on Exported Products (RoDTEP) Scheme|
|Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)||National Beekeeping & Honey Mission (NBHM)|
|National Beekeeping & Honey Mission (NBHM)||-|
|Name of the Scheme||Date of Launch||Government Ministry|
|Namami Gange||June 2014||Ministry of Water Resources|
|National Digital Health Mission||August 15, 2020||Ministry of Health and Family Welfare|
|Kisan Vikas Patra||2014||Ministry of Finance|
|Beti Bachao, Beti Padhao Yojana||January 22, 2015||Ministry of Women and Child Development|
|Atal Pension Yojana||May 9, 2015||Ministry of Finance|
|Swachh Bharat Abhiyan||October 2nd, 2014||Ministry of Housing and Urban Affairs|
|Gold Monetisation Scheme||November 4th, 2015||Ministry of Finance|
|National Bal Swachhta||November 14, 2014||Ministry of Women and Child Development|
|Pradhan Mantri Mudra Yojana||April 8, 2015||Ministry of Finance|
|Pradhan Mantri Jeevan Jyoti Bima Yojana||May 9 2015||Ministry of Finance|
|Pradhan Mantri Suraksha Bima Yojana||May 9, 2015||Ministry of Finance|
|Survey of Villages and Mapping with Improvised Technology in Village Areas||April 24, 2020||Ministry of Panchayati Raj|
|Pradhan Mantri Matsya Sampada Yojana||September 10, 2020||Department of Fisheries|
|Make in India||September 25, 2014||Ministry of Commerce and Industry|
|Startup India, Standup India||January 16, 2016||Government of India|
|Pradhan Mantri Garib Kalyan Yojana (PMGKY)||December 16, 2016||Ministry of Finance|
|Deen Dayal Upadhyaya Gram Jyoti Yojana||July 25, 2015||Ministry of Power|
|Rashtriya Gokul Mission||December 16, 2014||Ministry of Agriculture and Farmers Welfare|
|Digital India||July 1, 2015||Ministry of Electronics and Information Technology|
|Prime Minister Street Vendor’s Atmanirbhar Nidhi||June 1, 2020||Ministry of Housing and Urban Affairs|
|Pandit Deendayal Upadhyay Shramev Jayate Yojana||October 16, 2014||Ministry of Labour and Employment|
|National Sports Talent Search Scheme||February 20, 2015||Ministry of Youth Affairs & Sports|
|Pradhan Mantri Formalization of Micro Food Processing Enterprises Scheme||June 29, 2020||Ministry of Food Processing Industries|
|Pradhan Mantri Bhartiya Janaushadhi Pariyojana’ (PMBJP)||September 2015||Ministry of Chemicals and Fertilizers|
|Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan||February 19, 2019 (Approval Date)||Ministry of New and Renewable Energy|
The UPSC Exam is indeed one of the toughest exams to crack that requires one to have an abundance of knowledge. You must have to dive into the ocean of facts and figures, to attain adequate knowledge.
Also, you have to brush up on your communication skills to crack the UPSC Interview. Practice and learn as much as possible so your dream of serving in civil services can come true.
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