1. Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM) (Old Age Protection)
- Voluntary and contributory pension schemes
- Monthly contribution ranges from Rs.55 to Rs.200 depending upon the entry age of the beneficiary.
- Under this schemes, 50% monthly contribution is payable by the beneficiary and equal matching contribution is paid by the Central Government.
Eligibility
- Should be an Indian Citizen
- Unorganised Workers (working as street vendors, agriculture related work, construction site workers, workers in industries of leather, handloom, mid-day meal, rickshaw or auto wheelers, rag picking, carpenters, fisherman’s etc.
- Age group of 18-40 years
- Monthly income is below Rs.15000 and not a member of EPFO/ESIC/NPS (Govt. funded).
Benefits
- After attaining the age of 60 yrs, beneficiaries are entitled to receive monthly assured pension of Rs.3000/-.
- On death of the beneficiary, spouse is eligible for 50% monthly pension.
- If husband and wife, both joins the scheme, they are eligible for Rs. 6000/- monthly pension jointly.
2. National Pension Scheme for Traders and The Self-employed Persons (NPS)
- Voluntary and contributory pension schemes
- Monthly contribution ranges from Rs.55 to Rs.200 depending upon the entry age of the beneficiary.
- Under this schemes, 50% monthly contribution is payable by the beneficiary and equal matching contribution is paid by the Central Government.
Eligibility
- Should be an Indian Citizen
- Shopkeepers or owners who have petty or small shops, restaurants, hotels, real estate brokers etc.
- Age of 18-40 years
- Not covered in EPFO/ESIC/PM-SYM
- Annual turnover not more then 1.5 Crore in rupees
Benefits
- Under the schemes, beneficiaries are entitled to receive monthly assured pension of Rs.3000/- after attaining the age of 60 years.
3. Pradhan Mantri Jeevan Jyoti Yojana (PMJJBY)
Eligibility
- Should be an Indian Citizen
- In the age group 18 to 50 years
- Having Jandhan or saving bank account with Aadhaar.
- Auto-debit from bank account on consent
Benefits
- Rs.2 lakh on death due to any cause
- Premium @ Rs.436/- year
4. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Eligibility
- Should be an Indian Citizen
- In the age group 18 to 70 years
- Having Jandhan or saving bank account with Aadhaar.
- Auto-debit from bank account on consent
Benefits
- The risk coverage under the scheme is Rs. 2 lakh for accidental death and full disability and Rs. 1 lakh for partial disability.
- Premium @ 20/- year
5. Atal Pension Yojana
APY aims to provide a defined pension to unorganized sector workers, encouraging them to save for their retirement.
Eligibility
- Should be an Indian citizen
- Between the age of 18-40 years
- Having bank account linked with Aadhaar
Benefits
- The contributor on his choice, can attain a pension of 1000-5000 rupees, or he can also get an accumulated sum of the pension after his death.
- The accumulated amount will be given to the spouse or if the spouse is dead as well then to the nominee.
6. PDS
Eligibility
- Should be an Indian citizen
- All families below the poverty line is eligible.
- Any family which does not have a member between ages 15 and 59 years of age.
- Any family which has a disabled member is also eligible to avail of benefits under Pradhan Mantri Awas Gramin Yojana
- Those who do not have a permanent job and only engage in casual labour.
Benefits
- 35 kg of rice or wheat every month, while a household above the poverty line is entitled to 15 kg of food grain on a monthly basis.
- Being implemented as ONORC to enable migrant workers to receive the food grains wherever they are working.
7. Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)
Eligibility
- Should be an Indian citizen
- Any family including workers, which does not have a member between ages 15 and 59 years of age.
- Any family which has a disabled member is also eligible to avail of benefits under Pradhan Mantri Awas Gramin Yojana
- Those who do not have a permanent job and only engaged in casual labour.
Benefits
- Assistance provided to the Beneficiary to the tune of 1.2 Lakhs in plain areas and 1.3 Lakhs in Hilly Areas.
8. National Social Assistance Programme (NSAP) -Old age Protection
Eligibility
- Should be an Indian citizen
- Any person who has little or no regular means of subsistence from his/her own source of income or through financial support from family members or other sources.
Benefits
- Central Contribution @ Rs 300 to Rs 500 for different age group.
- Monthly pension ranges from Rs 1000 to rs 3000/ depending upon state’s contribution.
9. Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
Eligibility
- Those living in scheduled caste and scheduled tribe households.
- Families with no male member aged 16 to 59 years.
- Beggars and those surviving on alms
Benefits
- Health coverage of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization free of cost.
10. Health Insurance Scheme for Weavers (HIS)
Eligibility
- Should be an Indian Citizen
- The weaver should be earning at least 50% of his income from handloom weaving
- All weavers, whether male or female, are eligible to be covered under the “Health Insurance Scheme”
Benefits
- The beneficiaries would avail a package of Rs 15,000 that includes both pre-existing diseases and new diseases. The division in terms of disbursement of the amount according to the medical conditions stands as- Maternity benefits (per child for the first two)- Rs 2500, Eye treatment – Rs 75, Spectacles – Rs 250, Domiciliary Hospitalisation- Rs 4000, Ayurvedic/Unnani/Homeopathic/Siddha- Rs 4000, Hospitalization (including pre and post)- Rs 15000, Baby coverage-500, OPD and limit per illness- Rs 7500.
11. Pradhan Mantri Kisan Mandhan Yojana
Eligibility
- Should be an Indian Citizen
- For Small and Marginal Farmers
- Entry Age between 18 to 40 years
- Cultivable land up to 2 hectares as per land records of the concerned State/UT
Benefits
- Assured pension of Rs. 3000/- month
- Voluntary and Contributory Pension Scheme
- Matching Contribution by the Government of India.
12. National Safai Karamcharis Finance and Development Corporation (NSKFDC)
Eligibility
- Should be an Indian Citizen
- People involved as Safai karmacharis and manual scavengers
Benefits
- Scheme provides financial assistance to the Safai Karamcharis, Manual Scavengers and their dependants through SCAs/RRBs/Nationalized Banks for any viable income generating schemes including sanitation related activities and for education in India and Abroad.
13. Self Employment Scheme for Rehabilitation of Manual Scavengers
Eligibility
- Should be an Indian Citizen
- Identified manual scavengers, one from each family, (as defined in para 2.3.1) would be eligible for One Time Cash Assistance (OTCA) of Rs. 40,000/- or any such amount as OTCA as revised from time to time.
Benefits
- The manual scavenger and the dependents (as defined in para 2.3.2) shall be provided, free of cost, skill training of their choice from the list of such trainings organized by the National Safai Karmacharis Finance and Development Corporation (NSKFDC) from time to time . A monthly stipend of Rs. 3000/-(Rupees three thousand only) or any such amount as may be decided from time to time to shall be remitted by NSKFDC.
14. National Social Assistance Programme (NSAP): NSAP includes various schemes such as the Indira Gandhi National Old Age Pension Scheme, Indira Gandhi National Widow Pension Scheme, and Indira Gandhi National Disability Pension Scheme, providing financial assistance to elderly, widows, and disabled individuals below the poverty line.
15. Pradhan Mantri Jan Dhan Yojana (PMJDY): PMJDY aims to provide access to financial services such as banking, savings, remittance, credit, insurance, and pension to the unbanked population.
16. Pradhan Mantri Suraksha Bima Yojana (PMSBY): PMSBY offers accidental death and disability insurance cover to individuals between 18 and 70 years of age for a nominal premium.
17. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): PMJJBY provides life insurance cover to individuals between 18 and 50 years of age for a nominal premium, covering death due to any reason.
18. National Rural Health Mission (NRHM): NRHM focuses on providing accessible, affordable, and quality healthcare to rural populations, with initiatives such as Janani Suraksha Yojana (JSY) for maternal healthcare and Rashtriya Bal Swasthya Karyakram (RBSK) for child health.
19. Mid-Day Meal Scheme: This scheme provides cooked meals to school children to improve their nutritional status, boost school attendance, and encourage education.
20. Integrated Child Development Services (ICDS): ICDS offers a package of services including supplementary nutrition, immunization, health check-ups, and referral services to children under 6 years of age and pregnant and lactating mothers.
21. Pradhan Mantri Matru Vandana Yojana (PMMVY): PMMVY provides financial assistance to pregnant and lactating women to improve their health and nutrition status.
22. Sukanya Samriddhi Yojana” (SSY): Sukanya Samriddhi Yojana” (SSY) is a government-backed savings scheme in India specifically designed for the benefit of the girl child. The primary objective of SSY is to encourage parents to save for the future education and marriage expenses of their girl child.
Eligibility:
The scheme is open to parents or legal guardians of a girl child from her birth up to the age of 10 years.
Benefits
- Account Opening: An SSY account can be opened in any post office or authorized commercial banks across India. Each girl child is eligible to have only one SSY account.
- Deposit Limit: The minimum deposit amount required to open an SSY account is ₹250, and the maximum deposit limit in a financial year is ₹1.5 lakh. Deposits can be made for 15 years from the date of opening the account.
- Interest Rate: The interest rate on SSY accounts is determined by the government and is subject to change. It is typically higher than that of other small savings schemes. The interest is compounded annually and credited to the account.
- Tax Benefits: Contributions made to SSY accounts, as well as the interest earned and the maturity amount, are eligible for tax benefits under Section 80C of the Income Tax Act, making it an attractive investment option for parents.
- Withdrawal: Partial withdrawals are allowed from the SSY account for the higher education or marriage of the girl child after she attains the age of 18 years.
- Maturity: The SSY account matures after 21 years from the date of opening the account, or when the girl child gets married, whichever is earlier. At maturity, the accumulated amount along with interest is payable to the account holder.
These schemes play a crucial role in providing social security, healthcare, and financial protection to marginalized and vulnerable sections of society, contributing to their well-being and socio-economic development.