All about Pradhan Mantri yojana and other government schemes in India.

How to Apply For MUDRA Loan Under PMMY

Apply For MUDRA Loan Under PMMY
mudra-yojana

     Hon'ble Pradhan Mantri launched a scheme Pradhan Mantri MUDRA Yojana on 8th April, 2015 for providing loans upto Rs. 10 lakhs to the non-corporate, non-farm small/micro enterprises. These loans are classified as MUDRA loans under PMMY.
You can avail the benefits of this scheme. You may contact with your nearest bank for detailed information about the scheme.

You Can visit the udyamimitra portal to apply online for MUDRA Yojana.
apply-online-for-mudra-loan-1

Follow the registration process:
apply-online-for-mudra-loan-2
apply-online-for-mudra-loan-3

After completion of registration process, complete your profile & then apply online.

You can download the Loan Application Form and submit to the shortlisted banks to get the loan. 



Please check before submitting the documents:

check-list-for-mudra-yojana

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प्रधानमंत्री स्वनिधि योजना : FAQ (हिंदी)

प्रधानमंत्री स्वनिधि योजना : FAQ (हिंदी)


     कोरोना महामारी के दौर में रेहड़ी - पटरी वाले मजदूर को आर्थिक मदद देने के लिए शुरू किया गया योजना "प्रधानमंत्री स्वनिधि योजना" के बारे में लोगों को बहुत सारे सवाल होते हैं. उन्ही सवालों के कुछ जवाब नीचे दिया गया है:

FAQ-of-PM-Svanidhi-Yojana-Hindi

पीएम स्ट्रीट वेंडर्स आत्मनिर्भर निधि (पीएम स्वनिधि)

स्ट्रीट वेंडर्स के लिए एक विशेष माइक्रो क्रेडिट सुविधा
प्रायः पूछे जाने वाले प्रश्न

1. यह स्कीम क्या है?


यह एक केन्द्रीय क्षेत्र की योजना है जो लॉक डाउन में ढील देने के पश्चात् पथ विक्रेताओं को अपनी आजीविका और रोजगार दोबारा शुरू करने के लिए किफायती दर पर काम करने लायक पूंजीगत ऋण प्राप्त करने की सुविधा प्रदान करेगी।


2. स्कीम का क्या औचित्य है?


कोविड-19 वैश्विक महामारी तथा इसके परिणामस्वरूप किये जाने वाले लॉकडाउन से पथ विक्रेताओं / रेहड़ी वालों की आजीविका पर बुरा प्रभाव पड़ा है वे सामान्यतः थोड़ी पूँजी के साथ काम करते हैं जो लॉक डाउन के दौरान संभवतः समाप्त हो गयी होगी अतः इस स्कीम से विक्रेताओं/रेहड़ी वालों को अपनी आजीविका फिर से शुरू करने में सहायता मिलेगी।


3. स्कीम के क्या उद्येश्य है?

(1) कम ब्याज दर पर रु.10,000 तक के कार्य करने लायक पूंजीगत ऋण की सुविधा प्रदान करना।
(2) ऋण की नियमित अदायगी को प्रोत्साहित करना।
(3) डिजिटल लेन-देन को पुरस्कृत करना।

4. स्कीम की मुख्य विशेषताएं क्या हैं?

(1) रु.10,000 तक की प्रारंभिक काम करने लायक पूंजी।
(2) समय पर/समय से पहले अदायगी करने पर 7 प्रतिशत की दर से ब्याज सब्सिडी।
(3) डिजिटल लेनदेन पर मासिक नकदी वापसी (कॅश बैक) प्रोत्साहन।
(4) प्रथम ऋण के, समय पर अदायगी पर, अधिक ऋण की पात्रता।

5. स्कीम के लक्षित लाभार्थी कौन हैं?

शहरों में फेरी लगाने वाले पथ विक्रेता, जिनमे शहरी इलाकों के आप-पास एवं ग्रामीण क्षेत्रों से आए विक्रेता भी शामिल है जो 24 मार्च, 2020 या उससे पहले से वेंडिंग कर रहे थे।

6. पथ विक्रेता कौन होते हैं? 

कोई भी ऐसा व्यक्ति जो रोजमर्रा के सामान या सेवाएं, चीजें, खाद्य सामग्री अथवा किसी अस्थाई रूप से बने हुए स्टाल से या फिर गली-गली घूम कर, फूटपाथ/रास्ते पर अपनी सेवाएं प्रदान करता हों। इनके द्वारा बेचीं जा रही वस्तुओं में सब्जियां, फल, तैयार खाद्य सामग्री, चाय, पकौड़े, ब्रेड, अंडे, कपडे, वस्त्र, दस्तकारी उत्पाद, पुस्तकें/लेखन सामग्री इत्यादि शामिल हैं और उनकी सेवाएं में नाइ की दुकान, मोची, पान की दुकान, लांड्री सेवाएं इत्यादि शामिल हैं।

7. कौन सी संस्थाएं ऋण उपलब्ध कराएंगी?

अनुसूचित वाणिज्यिक बैंक, क्षेत्रीय ग्रामीण बैंक, लघु वित्त बैंक, सहकारी बैंक, गैर-बैंकिंग वित्तीय कंपनियां, सूक्ष्म-वित्त संस्थाएं और एसएचजी बैंक।

8. स्कीम का कार्यकाल क्या है?

इस स्कीम का कार्यकाल मार्च, 2022 तक होगा।

लाभार्थियों के लिए


1. शुरुआत में कार्य करने के लिए कितनी पूंजी ऋण की राशि दी जाएगी?

प्रारंभिक कार्य करने लायक पूंजी ऋण एक वर्ष के ऋण अवधि के लिए रु.10,000/- तक है।

2. मेरे पास सर्टिफिकेट ऑफ़ वेंडिंग / पहचान पत्र हैमैं ऋण के लिए कैसे आवेदन कर सकता हूँ?

आप अपने क्षेत्र में किसी बैंकिंग कोरेस्पोंडेंट (बीसी) / सूक्ष्म-वित्त संस्था (एमएफआई) के एजेंट से संपर्क कर सकते हैं। युएलबी (ULB) के पास इन व्यक्तियों की सूची होगी। वे आपका आवेदन भरने और मोबाइल ऐप/वेब पोर्टल में दस्तावेज अपलोड करने में आपकी मदद करेंगे।

3. मुझे कैसे पता चलेगा कि मैं सर्वेक्षण सूची में हूँ?

आप पीएम स्वनिधि की वेबसाइट (pmsvanidhi.mohua.gov.in) पर यह सुचना प्राप्त कर सकते हैं।

4. मेरा नाम सर्वेक्षण विक्रेताओं की सूची में हैं, लेकिन मेरे पास न तो पहचान-पत्र और न ही सर्टिफिकेट ऑफ़ वेंडिंग है? क्या मैं ऋण सुविधा का लाभ उठा सकता हूँ? यदि हाँ, तो इसकी क्या प्रक्रिया है?

हाँ, आप भी इस योजना का लाभ उठा सकते हैं। विक्रेताओं को वेब-पोर्टल के माध्यम से एक प्रोविजनल सर्टिफिकेट ऑफ़ वेंडिंग जारी किया जाएगा। बीसी/एजेंट आवेदन भरने और मोबाइल ऐप / पोर्टल में दस्तावेज अपलोड करने में आपकी मदद करेंगे।

5. मैं आस-पास के ग्रामीण क्षेत्र में रहता हूँ और शहर में बिक्री का कार्य करता हूँक्या मैं इस स्कीम के लिए पात्र हूँ? यदि हाँ, तो इसकी क्या प्रक्रिया है?

या

6. मैं शहरी विक्रेता हूँ, लेकिन मुझे सर्वेक्षण में शामिल नहीं किया गया हैमैं स्कीम से किस प्रकार लाभ प्राप्त कर सकता हूँ?

यह स्कीम उन विक्रेताओं के लिए भी उपलब्ध है जो आस-पास के परिनगरीय ग्रामीण क्षेत्रों में रहते हैं और समीप के शहरों / कस्बों में आकर बिक्री कार्य करते हैं तथा सर्वेक्षण में शामिल नहीं हो पाए हैं। यदि आप इस श्रेणी में आते हैं, तो आपको यूएलबी (ULB) / टाउन वेंडिंग कमिटी (TVC) से सिफारिश पत्र (लेटर ऑफ़ रिकमेन्डेशन) प्राप्त करने के लिए निम्नलिखित दस्तावेजों में से कोई एक प्रस्तुत करना होगा:

(1) लॉक डाउन अवधि के दौरान कुछ राज्यों/केंद्रशासित प्रदेशों द्वारा दी गई एककालिक सहायता का प्रमाण,
या
(2) वेंडिंग के उद्येश्य से बैंक/एनबीएफसी/एमएफआई से लिए गए पिछले ऋण के दस्तावेज,
या
(3) अगर वह किसी वेंडर एसोसिएशन का सदस्य है तो उसकी सदस्यता का प्रमाण,
या
(4) कोई अन्य दस्तावेज जो यह साबित करते हों कि आप विक्रेता हैं

इसके अतिरिक्त सादे कागज़ पर सामान्य आवेदन के माध्यम से शहरी स्थानीय निकाय को भी अनुरोध कर सकते हैं कि वे आपके दावे की यथार्थता का पता लगाने के लिए स्थानीय स्तर पर पूछताछ करें। लेकिन यह जरुरी है कि सभी फेरी वाले 24 मार्च, 2020 या उससे पहले हमारे शहर में वेंडिंग कर रहे हों।

7. सीओवी (COV)/आईडी (ID)/एलओआर (LoR) के अतिरिक्त केवाईसी (KYC) दस्तावेज कौन से हैं?

(1) आधार कार्ड
(2) मतदाता पहचान पत्र
(3) ड्राइविंग लाइसेंस
(4) मनरेगा कार्ड
(5) पैन कार्ड

8. ब्याज सब्सिडी की दर और रही कितनी है?

ब्याज सब्सिडी की दर 7% है। सब्सिडी की राशि सीधे ही आपके खाते में त्रैमासिक आधार पर जमा की जाएगी। समय से पूर्व भुगतान करने पर सब्सिडी की स्वीकार्य राशि एक बार में ही जमा कर दी जाएगी। रु.10,000 के ऋण हेतु, यदि आप समय पर सभी 12 ईएमआई (EMI) का भुगतान कर देते हैं, तो आपको ब्याज सब्सिडी राशि के रूप में लगभग 400 रूपये प्राप्त होंगे।

9. क्या मुझे इस ऋण की प्राप्ति के लिए किसी प्रकार का कोलेट्रल देना होगा?

कोई कोलेट्रल देने की आवश्यकता नहीं है।

10. डिजिटल लेनदेन हेतु प्रत्साहन राशि क्या है?

ऑन-बोर्डिंड विक्रेताओं को निम्नलिखित मानदंड के अनुसार रु.50 से रु.100 तक की राशि में मासिक कॅशबैक उपलब्ध कराया जाएगा
(1) पहले 50 पात्र लेनदेन करने पर- रु.50
(2) अगले 50 पात्र लेनदेन करने पर- अतिरिक्त रु.25 और
(3) अगले 100 पात्र लेनदेन करने पर- अतिरिक्त रु.25
रु.25 से अधिक के प्रत्येक लेनदेन की गिनती की जाएगी।

11. मैं डिजिटल लेनदेन से परिचित हूँ तो क्या इसे सीखने में मुझे सहायता मिलेगी?

एमएफआई / पेमेंट एग्रेगेटर्स का एजेंट आपसे संपर्क करेगा और डिजिटल लेनदेन सीखने में आपकी सहायता करेंगे। आपको एक डेबिट कार्ड और आपके वेंडिंग स्टाल पर एक क्यूआर कोड (QR Code) भी प्रदान किया जाएगा।

12. क्या ऋण को समय पर/जल्दी चुकाने के लिए कोई प्रोत्साहन दिया जाता है?

जी हां, शुरुआत में काम करने लायक पूंजी को समय पर/जल्दी चुकाने पर, विक्रेता अगली बार अधिक ऋण प्राप्त करने के लिए पात्र बन जाता है।

13. क्या निर्धारित तिथि से पहले ऋण चुकाने पर कोई जुर्माना देना होगा?

ऋण को समय से पूर्व चुकाने पर कोई जुरमाना नहीं देना होगा।

14. मैं इस ऋण का लाभ उठाने की अपनी संभावनाओं को कैसे बढ़ा सकता हूँ?

आप शहरी स्थानीय निकाय (यूएलबी) द्वारा कॉमन इंटरेस्ट ग्रुप (सीआईजी) या किसी ऋणदाता संस्था द्वारा जॉइंट लायबिलिटी ग्रुप (जेएलजी) का हिस्सा बन सकते हैं।

15. मैं सुविधा का लाभ उठाने के लिए किससे संपर्क कर सकता हूँ? 

आप स्वयं सहायता समूह (एसएचजी) या एएलएफ या सीएलएफ के सदस्य से मिल सकते हैं या टोल फ्री नंबर पर कॉल कर सकते हैं।

16. क्या मुझे उपयोग के लिए पहचान पत्र मिलेगा?

हाँ, ऋण का अनुमोदन हो जाने पर आपको प्रोविजनल पहचान पत्र जारी किया जाएगा, और इसके तीस दिनों के अन्दर आपको स्थाई पहचान पत्र जारी किया जाएगा।

17. ऋण स्वीकृत होने में कितना समय लगेगा?

पूरी प्रक्रिया एक मोबाइल ऐप और वेब पोर्टल के माध्यम से स्वचालित होगी और आप अपने आवेदन की समय - स्थिति जान सकेंगे। यदि कागज़/सुचना पूर्ण हो, तो सम्पूर्ण प्रक्रिया समयबद्ध तरीके से पूरी की जाएगी।

18. मुझे किसी प्रकार की शिकायत के लिए किससे संपर्क करना चाहिए?

किसी शिकायत के मामले में, आप मंत्रालय में निम्नलिखित अधिकारी से संपर्क कर सकते हैं:-
निदेशक (एनयूएलएम).
कमरा नं.- 334-सी,
आवासन और शहरी कार्य मंत्रालय,
निर्माण भवन,
मौलाना आजाद रोड, नई दिल्ली-110011
ई-मेल : neeraj.kumar3@gov.in
दूरभाष: 011-23062850

आवासन और शहरी कार्य मंत्रालय
भारत सरकार

Website: mohua.gov.in   Email: dir-nulm@gov.in

Source: PMSVANidhi
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Download Loan Application Form for Pradhan Mantri MUDRA Yojana

Download Loan Application Form for Pradhan Mantri MUDRA Yojana (PMMY)
Mudra-Loan-Yojana

     Hon’ble Prime Minister launched Pradhan Mantri MUDRA Yojana (PMMY) scheme on April 8, 2015 for providing loans up to 10 lakh. These loans are classified as MUDRA Loan. Here we provide all the information regarding Loan Application Form for Pradhan Mantri MUDRA Yojana.

There are three types of loan provided under the MUDRA scheme.
  1. SHISHU - Covering loans up to Rs. 50,000/-
  2. KISHORE - Covering loans above 50,000 & up to 05 Lakh. 
  3. TARUN - Covering loans above 05 Lakh & up to 10 Lakh.
You can apply online for MUDRA Loan by visiting official website or you can download the Loan Application Form of Pradhan Mantri MUDRA Yojana & submit the same to your branch.

Follow below link to download the Application Form of MUDRA Yojana
Common-Application-form-for-Mudra-yojana-Kishore-Tarun-1
Common-Application-form-for-Mudra-yojana-Kishore-Tarun-2
Common-Application-form-for-Mudra-yojana-Kishore-Tarun-3
Common-Application-form-for-Mudra-yojana-Kishore-Tarun-4


Mudra-application-form-Shishu-1Mudra-application-form-Shishu-2

check-list-for-mudra-loan
Source : MUDRA

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Very Positive Response to PLI Schemes for Bulk Drugs and Medical Devices

Very Positive Response From Pharmaceutical and Medical Device Industry to PLI Schemes for Bulk Drugs and Medical Devices Which Closed on 30-11-2020


Ministry of Chemicals and Fertilizers
Very Positive response from pharmaceutical and medical device industry to PLI Schemes for Bulk Drugs and Medical Devices which closed on 30-11-2020

Receives 215 applications from manufacturers of bulk drugs and 28 applications for manufacturing medical devices under PLI schemes
Posted On: 01 DEC 2020

Production Linked Incentive(PLI) Scheme for Bulk Drugs and PLI Scheme for Medical Devices have shown a very positive response from the pharmaceutical as well as the medical device industry. The industry has shown a very good response to these schemes whereby 215 applications made by 83 pharmaceutical manufacturers have been received under the PLI Scheme for bulk drugs. Similarly, 28 applications made by 23 medical device manufacturers have been received under the PLI Scheme for medical devices. The closing date of applications was 30.11.2020. IFCI Ltd. is the Project Management Agency (PMA) for implementation of both the schemes.
The appraisal process of the applications will commence from today onwards and a maximum of 136 applications under the PLI scheme for bulk drugs and a maximum of 28 applications under the PLI scheme for medical devices will be approved. The time duration for giving approval to the applicants is 90 days under the PLI scheme for bulk drugs and 60 days under the PLI scheme for medical devices. However, best efforts will be done by the PMA and the Department of Pharmaceuticals to give early approvals to the participants under the scheme.
   Looking at the increasing imperative of drug security, support to domestic production capability in bulk drugs would ensure higher resilience of the Indian pharmaceutical industry to external shocks. The PLI scheme for medical devices will help meet the objective of product diversification and production of innovative and high value medical devices in India. These initiatives have the potential to contribute significantly to achieving higher objective of affordable healthcare in the country and globally on a sustained basis.
The PLI Schemes for Bulk Drugs and for Medical Devices was approved by the Government on 20.03.2020. The initial guidelines for implementation of both the schemes which were initially issued on 27.07.2020 were amended based on the feedback received from the industry. These revised guidelines were issued on 29.10.2020. Both the schemes have shown a very encouraging response from the pharmaceutical as well as the medical device industry. 
***

Source : PIB
pm-yojana


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अटल पेंशन योजना में ऑनलाईन आवेदन कैसे करें

 अटल पेंशन योजना में ऑनलाईन आवेदन कैसे करें 
apy

    भारत सरकार ने सभी भारतीयों विशेषकर गरीबों, कम सुविधा प्राप्‍त लोगों तथा असंगठित क्षेत्र के कामगारों के बेहतर भविष्‍य को ध्‍यान में रखते हुए 2015-2016 की बजट घोषणा के अनुसरण में 1 जून, 2015 से अटल पेंशन योजना (एपीवाई) की शुरूआत की है। 

अटल पेंशन योजना में शामिल होने के लिए पात्रता क्‍या है 
    बचत बैंक खाता रखने वाले सभी भारतीयों के लिए अटल पेंशन योजना है। इसमें सम्मिलित होने के लिए न्‍यूनतम आयु 18 वर्ष और अधिकतम 40 वर्ष है।

अटल पेंशन योजना की विशेषताएं
  • अटल पेंशन योजना के अंतर्गत प्रत्‍येक अभिदाता (Subscriber) को 60 वर्ष की आयु के पश्‍चात मृत्‍यु होने तक प्रतिमाह 1000 रूपये या प्रतिमाह 2000 रूपये या प्रतिमाह 3000 रूपये या प्रतिमाह 4000 रूपये या प्रतिमाह 5000 रूपये (जैसा विकल्‍प का चयन किया जाएगा) का सरकार द्वारा गारंटीयुक्‍त न्‍यूनतम पेंशन प्रदान करने का प्रदान करने का प्रावधान है।
  • अभिदाता (Subscriber) की मृत्‍यु के पश्‍चात अभिदाता की पति/पत्‍नी (spouse) उनकी मृत्‍यु होने तक अभिदाता द्वारा प्राप्‍त की जा रही पेंशन के समान पेंशन राशि प्राप्‍त करने के पात्र होंगे।
  • अभिदाता और पति/पत्‍नी (spouse) दोनों की मृत्‍यु के पश्‍चात अभिदाता के नामिति (Nominee) को अभिदाता के 60 वर्ष की आयु तक संचित पेंशन राशि को प्राप्‍त करने का अधिकार होगा।

अटल पेंशन योजना के तहत अंशदान 
अटल पेंशन योजना में अभिदाता का अंशदान मासिक, त्रैमासिक या छमाही अंतराल पर अभिदाता के बचत बैंक खाते से निर्धारित अं‍शदान की राशि के ‘ऑटो डेबिट’ सुविधा के माध्‍यम से किया जाएगा। 
apy-contribution-chart

अटल पेंशन योजना के लिए ऑनलाईन आवेदन कैसे करें
    कोई भी भारत सरकार का नागरिक जिसके पास अपना बचत बैंक खाता है वो अपने बैंक के वेबसाईट पर जाकर अटल पेंशन योजना में सम्मिलित होने के लिए ऑनलाईन आवेदन कर सकता है। 

अटल पेंशन योजना के लिए ऑफलाईन आवेदन कैसे करें
    अटल पेंशन योजना के लिए APY Subscriber Registration Form भरकर सम्‍बंधित बैंक में जमा करके भी आवेदन किया जा सकता है। यदि किसी के पास डाकघर बचत बैंक खाता है तो वह डाकघर में भी अटल पेंशन योजना के लिए आवेदन कर सकता है। 

Sample of APY Subscriber Registration Form
APY-subscriber-registration-form-1
APY-subscriber-registration-form-2
APY-subscriber-registration-form-3

APY-subscriber-registration-form-4

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प्रधानमंत्री किसान सम्मान निधि योजना

प्रधानमंत्री किसान सम्मान निधि योजना 

pradhan-mantri-kisan-samman-nidhi


PM Kisan Samman Nidhi Yojana

Objective

  • With a view to augment the income of the Small and Marginal Farmers (SMFs), the Government has launched a new Central Sector Scheme, namely, “Pradhan Mantri KIsan SAmman Nidhi (PM-KISAN)” in the current financial year.
  • The PM-KISAN scheme aims to supplement the financial needs of the SMFs in procuring various inputs to ensure proper crop health and appropriate yields, commensurate with the anticipated farm income at the end of the each crop cycle.
  • This would also protect them from falling in the clutches of moneylenders for meeting such expenses and ensure their continuance in the farming activities.

Cut-off Date

  • The Scheme shall be effective from 01.12.2018 for transfer of benefit to eligible beneficiaries.
  • The cut-off date for determining the eligibility of beneficiaries, has been kept as 01.02.2019.
  • Changes, if any, in the cut-off date for eligibility of benefit under the scheme for next 5 years will only be considered with approval of the Cabinet. However benefit will be allowed on transfer of ownership of cultivable land on account of succession due to death of the landowner.



Definition of Families

  • The SMFs landholder farmer family is definition
  • The existing land-ownership system will be used for identification of beneficiaries for calculation of financial benefit under the scheme.

Scheme Contours and Financial Outlay

  • The Scheme to be implemented as Central Sector Scheme with 100% financial support by Government of India (GoI).
  • For financial year 2018-19, a budget provision of Rs. 20,000 crore has been kept for disbursal of financial benefit to the eligible landholding SMFs families.
  • Similarly, a budgetary provision of Rs. 75,000 crore has been kept in the financial year 2019-20 for disbursal of financial benefits to eligible landholding SMFs families.

Benefit to eligible SMFs

  • Under the Scheme, a direct payment of Rs. 6000 per year will be transferred in three equal installments of Rs. 2000 each every four months into the Aadhar ceded bank accounts of eligible landholding SMFs families.
  • The first installment for the period 01.12.2018 to 31.03.2019, under the scheme will be transferred to the eligible beneficiaries in the current financial year (2018-19) itself. First Installment shall be transferred immediately on identification of the beneficiaries.

Aadhar Capturing

  • For availing benefits under the scheme, Aadhaar is mandatory. However, in cases, where the beneficiaries at present are not having Aadhar or Aadhar Enrollment number, alternate prescribed documents can be collected for identity verification and transfer of benefit to such farmer families for transfer of 1st installment in 2018-19.
  • All such beneficiaries not having Aadhaar card shall have to be compulsorily enrolled under Aadhaar, since transfer of subsequent installments will be done only on basis of Aadhaar seeded data base.
  • States/UTs to ensure that there is no duplication of the payment transferred to eligible families. Speedy reconciliation in case of wrong/incomplete bank details of the beneficiary to be ensured.

Monitoring of the Scheme

  • For effective review and monitoring of the scheme, a Project Monitoring Unit (PMU) at Central level will be set up in DAC&FW.
  • The PMU headed by Chief Executive Officer (CEO), shall also undertake publicity campaign (Information, Education and Communication-IEC). 
  • A stratified review/monitoring mechanism at National, State and District Level.
  • At the National level, there will be a Monitoring Committee headed by Cabinet Secretary.
  • State Govt. shall also notify the Monitoring Committees at the State & the District Level.

Exclusion

  • There will be exclusion of certain categories of beneficiaries of higher economic strata which will be separately notified by the Government in due course.
*******

pm-kisan-nidhi-yojana-1

pm-kisan-nidhi-yojana-2

pm-kisan-nidhi-yojana-3

pm-kisan-nidhi-yojana-4
Source : pmkisan.gov.in

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सरकारी योजनाओं / प्रधानमंत्री योजनाओं की सूची : List of Central Government of Schemes

List of Central Government Schemes of Government of India
केन्‍द्र सरकार के सभी सरकारी योजनाओं की सूची 

Here is the complete list of all the government schemes of  Central Government of India. You can find all the details of the government schemes like Pradhan Mantri Awas Yojana, Pradhan Mantri Fasal Bima Yojana, Pradhan Mantri Garib Kalyan Yojana, Pradhan Mantri Krishi Sinchai Yojana, Jan Dhan Yojana, Pradhan Mantri Ujjwala Yojana, Mudra Yojana, Pradhan Mantri Koushal Kendra, Ujala Yojana, Digital India, UDAN yojana.
To know about the scheme details please click on the link provide in Description field.

Sl.Name of SchemesConcerned MinistryDescription
1Pradhan Mantri Kisan Maan Dhan Yojana (PMKMY).MINISTRY OF AGRICULTURE & FARMERS WELFAREClick Here
2Pradhan Mantri Awaas Yojana (Gramin)MINISTRY OF RURAL DEVELOPMENTClick Here
3Pradhan Mantri Awas Yojana Urban (PMAY-U)MINISTRY OF HOUSING AND URBAN POVERTY ALLEVIATION (MOHUPA)Click Here
4PM SVANidhi SchemeMinistry of Housing and Urban AffairsClick Here
5Pradhan Mantri Fasal Bima Yojana (PMFBY)MINISTRY OF AGRICULTURE & FARMERS WELFAREClick Here
6Pradhan Mantri Garib Kalyan Yojana, 2016 (PMGKY)MINISTRY OF FINANCEClick Here
7Pradhan Mantri Gram Sadak Yojana (PMGSY).MINISTRY OF RURAL DEVELOPMENTClick Here
8Pradhan Mantri Gramin Digital Saksharta AbhiyanMinistry of Electronics and Information TechnologyClick Here
9Pradhan Mantri Kaushal KendraMINISTRY OF SKILL DEVELOPMENT & ENTREPRENEURSHIPClick Here
10Pradhan Mantri Kaushal Vikas Yojana (PMKVY)MINISTRY OF SKILL DEVELOPMENT & ENTREPRENEURSHIPClick Here
11Pradhan Mantri Khanij Kshetra Kalyan Yojana (PMKKKY)MINISTRY OF MINESClick Here
12Pradhan Mantri Kisan SAMPADA YojanaMINISTRY OF FOOD PROCESSING INDUSTRIESClick Here
13Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)MINISTRY OF AGRICULTURE & FARMERS WELFAREClick Here
14Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP)MINISTRY OF CHEMICAL AND FERTILIZERSClick Here
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FAQ - ATAL PENSION YOJANA

FREQUENTLY ASKED QUESTIONS - ATAL PENSION YOJANA



I. OPENING OF APY ACCOUNT
1. What is pension? Why do I need it?
A Pension provides a monthly income to the people during their unproductive years.
Need for Pension:
 Decreased income earning potential with age.
 The rise of nuclear Family
 Migration of earning members.
 Rise in cost of living.
 Increased longevity.
 Dignified life in the old age due to less financial dependence.

2. What is Atal Pension Yojana?
Atal Pension Yojana (APY), a pension scheme launched by Government of India is focused on the unorganized sector workers. Under the APY, minimum guaranteed pension of Rs.1,000/- or 2,000/- or 3,000/- or 4,000 or 5,000/- per month will start after attaining the age of 60 years depending on the contributions by the subscribers for their chosen pension amount

3. Who can subscribe to APY?
Any Citizen of India can join APY scheme. The following are the eligibility criteria: -
(i) The age of the subscriber should be between 18 and 40 years.
(ii) He / She should have a savings bank account/ post office savings bank account The prospective applicants may provide mobile number to the bank during their Enrolments under APY to receive periodic updates on their APY account as well as on APY scheme. Aadhaar may also be provided at the time of enrolment as APY scheme is notified for the same.

4. Whether an employee of Central/State Government or Public Sector Undertaking and/or a NPS subscriber can subscribe to APY?
o YES, any Indian citizen within the age group of 18 - 40 years, can join APY Scheme irrespective of his/her employment status with Govt./Public Sector, for availing benefits guaranteed by Government of India under the scheme.
o Further, an existing NPS subscriber can also subscribe to APY, if he/she meetsthe basic eligibility criteria, for availing benefits guaranteed by Government of India; under the scheme.

5. What are the benefits of joining APY scheme?
The benefit of minimum pension under Atal Pension Yojana would be guaranteed by the Government in the sense that if the actual realized returns on the pension contributions are less than the assumed returns for minimum guaranteed pension, over the period of contribution, such shortfall shall be funded by the Government. On the other hand, if the actual returns on the pension contributions are higher than the assumed returns for minimum guaranteed pension, over the period of contribution, such enhanced scheme benefits shall be passed on to the subscribers.
The Government of India had co-contributed 50% of the total contribution or Rs. 1000 per annum, whichever is lower, to each eligible subscriber, who joined the scheme during the period 1st June, 2015 to 31st March, 2016 and who is not a beneficiary of any social security scheme and is not an income tax payer. The Government co-contribution will be given for 5 years from the Financial Year 2015-16 to the Financial Year 2019-20.

6. What is the procedure for opening APY Account?
Approach the bank branch/ post office where individual’s savings bank account is held or open a savings account if the subscriber doesn’t have one.

7. Whether Aadhaar Number is compulsory for joining the scheme?
Atal Pension Yojana (APY) has now been included under the Section 7 of the Aadhaar Act. As per the provisions of the Act, any individual who is eligible to receive such benefits under the APY will have to furnish proof of possession of Aadhaar number or undergo enrolment under Aadhaar authentication. Hence, it is desirable to provide Aadhaar Number for proper identification of the subscriber

8. Can I open APY Account without savings bank account?
No, the savings bank account/ post office savings bank account is mandatory for joining APY.

9. Is it required to furnish nomination while joining the scheme?
Yes. It is mandatory to provide nominee details in APY account.

10. Is there any provision of default nominee or blood relation?
If the subscriber is Unmarried they can nominate any other person as nominee and they have to provide spouse details after marriage. If married, the spouse will be the default nominee. The Aadhaar details of spouse and nominees may be provided.

11. How many APY accounts I can open?
A subscriber can open only one APY account. Multiple APY accounts are not permitted.

12. Can minor open APY account?
No. A minor cannot open an APY account.

13. If I have completed 40 years, can I join Atal Pension Yojana?
No, currently a person who is in age group of 18 years to 39 years 364 days can join Atal Pension Yojana.

14. Whether NRI is eligible to open APY Account?
Yes, NRI in the age group 18-40 years of age having a bank account with APY POP is eligible to open APY account.

15. After opening of APY account, what will happen if a subscriber becomes non-citizen of the country?
The scheme is open to the Indian citizens only. Hence, in that event the APY account will be closed and the net actual interest earned on his contributions (after deducting the account maintenance charges) will be refunded, whereas, the Government co-contribution, and the interest earned on the Government co-contribution, shall not be returned to such subscribers.

II. ACCUMULATION PHASE UNDER APY
16. What amount one needs to contribute towards APY?
The contribution amount shall depend on the age of the subscriber at the time of opening of APY account, frequency of contribution and the pension slab chosen. The age wise, frequency wise and pension slab wise contribution table is provided as Annexure for reference.

17. What is the mode and frequency of contributions to the APY account?
The contributions can be made at monthly / quarterly / half yearly intervals through auto debit facility from savings bank account/ post office savings bank account of the subscriber.

18. What is the due date for contribution under APY?
APY contributions will be collected through auto-debit of their savings bank account/ post office savings bank account on any date of the particular month, in case of monthly contributions or any day of the first month of the quarter, in case of quarterly contributions or any day of the first month of the half year, in case of half-yearly contributions.

19. What will happen if the contribution gets delayed?
Subscriber will be charged overdue interest for the delayed period in case the APY contribution gets delayed beyond the due date.

20. How the overdue interest is calculated in case of delayed contribution?
Banks are required to collect Rs. 1 per month for contribution of every Rs. 100, or part thereof, for each delayed monthly contributions. The overdue interest amount collected will remain as part of the pension corpus of the subscriber. More than one monthly / quarterly /half yearly contribution can be recovered subject to availability of the funds.

21. What will happen if required or sufficient amount is not maintained in the savings bank account for contribution on the due date?
In case of inadequate balance in the saving account of the subscriber till the last date of the month / last date of the first month in a quarter / last day of the first month in a half year, as the case may be, it will be treated as a default and contribution will have to be paid in the subsequent month along with overdue interest for delayed contributions. More than one monthly / quarterly / half yearly contribution can be recovered subject to availability of the funds.

22. What will happen to APY account in case of continuous default?
Deduction would continue to be made in the subscriber’s APY account for account maintenance charges and other related charges on a periodic basis till it becomes zero.

23. How the contributions are invested in APY?
The contributions under APY are invested as per the investment guidelines prescribed by PFRDA for Central Government / State Government / NPS-Lite / Swavalamban Scheme /APY. The contributions thus collected are invested and the funds are managed by namely SBI Pension Fund Pvt. Ltd, LIC Pension Fund Ltd, UTI Retirement Solution Ltd.

III. SUBSCRIBER RELATED SERVICES UNDER APY
24. What are the new functionalities available to an APY subscriber? Whether these functionalities are available online?
As per the evolving needs, Central Recordkeeping Agency (CRA) appointed by PFRDA has developed and made available the new functionalities categorized in the table below. PFRDA has also enabled digital utilities for these functionalities available online to facilitate subscribers to access their Account without visiting the bank/post branch. These features are expected to benefit APY Subscribers and empower them to carry out Account related activities as described below.

Sr. No.
   
Module   

Usage of Functionality
   
   
   
1   
   
Upgrade/Downgrade
   
   
   
Under APY, the Subscriber is required to select   the minimum pension of Rs.1,000/-, 2,000/-, 3,000/-, 4,000 and 5,000/- per month   that will be given at the age of 60 years depending on the contributions by   the Subscribers.
   
Accordingly, the contribution is deducted from   Subscriber’s Bank Account as per the frequency opted i.e.   monthly/quarterly/half yearly. As per PFRDA guidelines, APY Subscribers have   an option to upgrade/downgrade the opted pension amount. The window period to   change the pension amount is available to Subscriber only once throughout the   year from 1st July, 2020.   
   
Digital Utility Available Online
   

   
APY Upgrade /APY Downgrade View   
   
2   
   
PRAN Card Printing
   
   
   
Atal Pension Yojana (APY) Subscribers have an   option to opt for physical PRAN Card by accessing eNPS portal. Now, an   instruction Link has been provided to Subscribers to know how to Print APY   PRAN Card. This link is available once Subscriber clicks on Atal Pension   Yojana menu available on eNPS portal.
   

   
As per Notification F. No 16/1/2015-PR dated 22nd   March, 2016 issued by Department of Financial Services, Ministry of Finance   and PFRDA exit guidelines under APY, a spouse of the Subscriber has an option   to continue his/her APY account in case of death of the Subscriber. Now,   feature has been enabled in the CRA system wherein request for continuation   of account by spouse can be processed as part of Subscriber Registration   functionality by APY Service Providers.   
   
ePRAN card/e SoT facility:
   
Useful for downloading of transaction statement   and ePRAN card. The option contains a search with PRAN and without PRAN.
   
The subscriber can download Transaction
   
Statement financial year wise.
   
N.A.   
   
3   
   
Continuation
   
of APY
   
Account
   
   
   
The continuation of APY account by spouse will be   with below options :
   
1. In case of death of Subscriber before 60   years, new PRAN will be generated in the name of Spouse and spouse will be   allowed to contribute for the remaining period i.e. till the date on which   original/deceased subscriber would have attained the age of 60 years.
   
2. Spouse will be allowed to contribute same   amount as earlier opted by the original/deceased subscriber.
   
3. The balance units available in subscriber’s   APY account will be transferred to the APY account of spouse.
   
4. Spouse will be allowed to contribute from   his/her own Savings Bank account.   
   
   
   
4   
   
Subscriber
   
Registration
   
   
   
As per PFRDA guidelines, FATCA compliance is   mandatory for all new subscriber’s enrolment under APY.
   
To adhere to FATCA compliance, related FATCA   field(s) has been incorporated in Subscriber Registration file format. This   is applicable for all the types of subscriber’s enrolments under APY,as per   below mentioned criteria:
   
1. New Subscriber Registration
   
2. Subscriber migrating from NPS Lite-Swavalamban   to APY
   
3. Spouse who continue APY account on death of   Subscriber   
   
APY@eNPS (Digital On
   
boarding facility into APY): Digital APY   enrolment through eNPS ensures wider reach. It is a user friendly platform and   makes enrolment under
   
APY in a complete end to end digital interface   without submission of
   
physical form by the prospective subscribers and without   visiting a bank branch.   
   
5   
   
CGMS   
   
TheAPY-SPs have facility to raise queries/grievances   on behalf of associated Subscribers in the CRA login. As part of   functionality, APY-SPs will have below options:
   
1. Log Grievance request
   
2. Grievance resolution
   
3. Grievance status view
   
4. View and Assign grievance
   
5. Grievance Master status view   
   
APY Grievance Module   
   
6   
   
Mobile
   
Application
   
   
   
APY Mobile applications empower the subscribers   to view Statement of Account and other details of their APY account.
   
   
   
APY subscribers with smart phones can down load   APY mobile applications from Google Play store
   
by typing ‘APY and NPS Lite’ in search option and   installing in their mobile phones for real time viewing of APY Accounts. The APY   mobile application is
   
available for APY users free of cost, where,   recent 5 contributions can be checked and transaction statement and e-PRAN   can also be
   
downloaded anytime without paying any charge.   
The subscribers may visit the following link for accessing the above features
https://www.npscra.nsdl.co.in/scheme-details.php

25. Whether various forms under APY are available online?
Yes, various Forms under APY can be accessed online at https://www.npscra.nsdl.co.in/nsdl-
forms.php

26. Will there be any option to increase or decrease the monthly contribution for higher or lower pension amount?
a) Yes, a subscriber can opt to decrease or increase pension amount during the course of accumulation phase, once a financial year.
b) For upgradation, the subscribers have to pay the differential amount of contribution at the rate of 8% p.a. on monthly compounding basis whereas in the case of down gradation, the excess amount of contribution collected from the subscriber would be refunded to the subscribers along with the returns generated.
c) For upgradation or down gradation, other than error cases, the subscribers would be required to pay a fee of Rs. 50, which will be shared equally by PoP-APYSP and CRA.

27. How will I know the status of my contribution?
The periodical information to the subscribers regarding activation of PRAN, balance in the account, contribution credits etc. will be intimated to APY subscribers by way of SMS alerts on the registered mobile number or can be accessed through mobile/APY app launched by NSDL. The subscriber will also be receiving physical Statement of Account once a financial year at their registered address

28. Will I get any statement of transactions?
YES. The physical statement of APY account will be provided to the subscribers annually at the registered address.

29. If I move my residence / city, how can I make contributions to APY account?
The APY contributions will continue to collected through auto debit of the same Savings Account uninterruptedly even in case of change of residence / location. As contribution collection is done through bank account which is CBS enabled, subscriber can continue contributing through same savings bank account, even if the residence is changed.

30. If I am an existing subscriber of APY, can I change my monthly auto debit facility to Quarterly or Half Yearly as per my convenience?
Yes, the subscriber can change the mode (monthly/ quarterly/half yearly) of auto debit Facility once in a year.

31. Is there any helpline number dedicated to APY Scheme where queries related to APY Scheme can be addressed?
Yes, the Toll Free Helpline number for APY Scheme is 1800-110-069

IV. TAXATION AND CHARGES UNDER APY
32. Will I get any tax benefits under APY Scheme?
Tax benefits available under NPS scheme are same under APY Scheme as per Notification No. 7 /2016, F.No.173/394/2015-ITA-I dated 19th Feb, 2016

33. What are the fee and charges involved in maintaining the APY account?
Table of all charges and fees of APY
APY-Fee-Charges-1

APY-Fee-Charges-2

V. EXIT UNDER APY
34. What is the withdrawal procedure from APY?
The subscribers will submit the request to the associated bank/Post office for drawing the guaranteed minimum monthly pension or higher monthly pension, if investment returns are higher than the guaranteed returns embedded in APY. Upon successful submission of the request, the subscriber receives monthly pension depending on the contributions by the subscriber. The same amount of monthly pension is payable to spouse (default nominee) upon death of subscriber. Nominee will be eligible for return of pension wealth accumulated till age 60 years of the subscriber, upon death of both the subscriber andspouse.

35. Whether exit from APY Scheme is permitted before 60 years of age? If yes, what are the benefits?
Yes, Voluntary exit under APY before 60 years of age is permitted. The subscriber shall only be refunded the contributions made by him to APY along with the net actual accrued income earned on his contributions (after deducting the account maintenance charges). However, in case of subscribers who joined the scheme before 31st March 2016 and received Government Co-Contribution shall not receive the Government co-contribution and the accrued income earned on the same, if opted for Voluntary exit before 60 years.

36. What one will get in case of death before 60 years?
 Option 1: In case of death of the subscriber before 60 years, option will be available to the spouse of the subscriber to continue contribution in the APY account of the subscriber, which can be maintained in the spouse’s name, for the remaining vesting period, till the original subscriber would have attained the age of 60 years. The spouse of the subscriber shall be entitled to receive the same pension amount as the subscriber until death of the spouse. Such APY account and pension amount would be in addition
to even if the spouse has his/her APY account and pension amount in own name.
 Option 2: The entire accumulated corpus till date under APY will be returned to the spouse / nominee.

37. What are the benefits under APY Scheme upon exit on attaining 60 years?
The subscriber shall receive the following three benefits on attaining the age of 60:
(i) Guaranteed minimum pension amount: Each subscriber under APY shall receive a Government of India guaranteed minimum pension of Rs. 1000 per month or Rs. 2000 per month or Rs. 3000 per month or Rs. 4000 per month or Rs. 5000 per month, after the age of 60 years until death.
(ii) Guaranteed minimum pension amount to the spouse: After the subscriber’s demise, the spouse of the subscriber shall be entitled to receive the same pension amount as that of the subscriber,until the death of the spouse.
(iii) Return of the pension wealth to the nominee of the subscriber: After the demise of both the subscriber and the spouse, the nominee of the subscriber shall be entitled to receive the pension wealth, as accumulated till age 60 years of the subscriber.

VI. NP-S SWAVALAMBAN AND APY
38. Is migration from NPS Lite/ Swavalamban Scheme to APY possible?
The Swavalamban Subscribers between 18 to 40 years of age are eligible to migrate to APY.

39. What is the process of migration from NPS Lite/ Swavalamban Scheme to APY?
The eligible swavalamban subscribers who wish to migrate to APY shall fill up the enrollment form for migration to APY and submit the same along with the copy of PRAN card to the nearest APY Service Provider for registration. Subsequent to the registration, the subscriber will be mapped to the bank branch. The PRAN amount balance under Swavalamban Scheme will be shifted to APY Scheme on T+1 basis.

40. What will happen to the contribution already accumulated under NPS Lite/ Swavalamban Scheme after migration to APY?
The accumulated corpus of existing NPS Lite/Swavalamban subscriber between the age group of 18 and 40 years, who get migrated to APY will be kept under the same PRAN and remain as an additional wealth of the subscriber till the time of exit. This additional amount may be given to the subscriber as enhanced pension benefit or as lump-sum withdrawal, as the case may be. The contribution of such subscribers under APY, after migration from the NPS Lite/Swavalamban Scheme to APY, would be as per the amount mentioned in the Annex –I, depending on the pension amount selected and the age of the subscriber.

41. Whether NPS Lite/ Swavalamban Subscriber can exit from the Scheme?
Yes, the subscribers under the NPS Lite/Swavalamban Scheme who do not wish to continue under the Scheme may exit from the scheme as per the guidelines applicable and withdraw the entire amount in lump sum or may prefer to continue till the age of 60 years to be eligible for benefits as per the scheme.

VII. APY IN SOCIAL MEDIA
42. Whether information related to APY is available on social media?
Yes, APY pages are available on social media on the following links:
 Facebook-https://www.facebook.com/OfficialAPY/PFRDA page available at:
 Linkedin-https://www.linkedin.com/in/pfrda-pension-fund-regulator-of-india-051614168/?originalSubdomain=in
 Youtube-https://www.youtube.com/channel/UCLMx1eZWY-LDeyIWCwYu15Q
 APY Ki Pathshala on Youtube- https://www.youtube.com/channel/UC5SuHg-O6ipH1J_HTfU17ug
 Twitter-https://twitter.com/pfrdaofficial?lang=en

VIII. Miscellaneous
43. Is there any steps taken by Govt of India/ PFRDA regarding stoppage of auto-debit for APY contributions considering the outbreak of COVID-19 pandemic?
Kindly refer PFRDA’s circular No: PFRDA/2020/8/P&D-APY/1. dated 11.04.2020 with the subject “Stoppage of Auto-debit for APY contributions till 30th June, 2020”. Further, auto-debit will start from 1st July, 2020. If APY contributions from April, 2020 to August, 2020 get regularised by 30th Sept, 2020; then no penal interest would be charged to the subscriber.

44. For how many Years the Government will co-contribute?
The co-contribution of the Government of India is available for 5 years, i.e., from the Financial Year 2015-16 to 2019-20 for the subscribers, who join the scheme during the period from 1st June, 2015 to 31st March, 2016 and who are not covered by any Statutory Social Security Scheme and are not income tax payers. The Government co- contribution would be payable to the eligible subscribers by the Pension Fund regulatory and Development Authority (PFRDA), after receiving the confirmation from Central Record Keeping Agency-NSDL to the effect that the subscriber has paid all the instalments for the concerned financial year. In such cases, Government co-contribution will be credited in subscriber’s savings bank account/ post office savings bank account which would be 50% of the total APY contribution, subject to a maximum of Rs 1000/-,at the end of financial year. However, some State Governments also make co-contribution to for APY subscribers in their respective states, as per their notifications.
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