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Government Schemes are programs launched by the Central or State Government to address social, economic, and developmental goals. They are a major GK topic in UPSC, SSC CGL, Railway, and State PCS exams. Common categories include: health schemes, education schemes, agricultural schemes, housing schemes, and women empowerment programs.
Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched on August 28, 2014 to ensure financial inclusion by providing bank accounts to every household. Features include: zero balance savings account, RuPay debit card, Rs 1 lakh accident insurance, Rs 30,000 life insurance, and overdraft facility. It is one of the world's largest financial inclusion programs.
Pradhan Mantri Awas Yojana (PMAY) is a housing scheme launched in 2015 with the goal of Housing for All. PMAY-Urban covers cities and PMAY-Gramin covers rural areas. It provides subsidized home loans through Credit Linked Subsidy Scheme (CLSS) for EWS, LIG, and MIG groups. It is frequently asked in competitive exams.
Ayushman Bharat PM-JAY, launched in September 2018, is the world's largest government-funded health insurance scheme. It provides health coverage of Rs 5 lakh per family per year for secondary and tertiary hospitalization. It covers over 10 crore poor and vulnerable families and is also called Modicare.
Swachh Bharat Mission (Clean India Mission) was launched on October 2, 2014 (Gandhi Jayanti) by PM Narendra Modi. Its objectives include elimination of open defecation, eradicating manual scavenging, solid waste management, and promoting behavioral change regarding sanitation. India was declared Open Defecation Free in October 2019.
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