Pradhan Mantri Jeevan Jyoti Bima Yojana

In a move to provide social security cover to the common man, Prime Minister Narendra Modi launched three schemes – Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) on May 9, 2015. Among them, the PMJJBY is in force since June 1, 2015. It is a helpful insurance scheme that provides adequate and affordable social protection to all citizens for a premium of Rs 330 per annum per subscriber.  Offering a renewable one year life cover of Rs 2 lakh to all savings bank account holders in the age group of 18-50 years, this scheme aims at universal access to essential life insurance coverage in a convenient manner linked to auto-debit of premium from bank accounts.   PMJJBY is a progressive step towards improving insurance awareness and insurance penetration in the country. Details of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Through PMJJBY, the Union government aims at bringing all sections of society under the insurance cover as presently, 80-90 per cent people in the country do not have any insurance cover. Under this scheme, an annual premium of Rs 330 per subscriber has to be paid by a saving bank account holder in the age group of 18-50 years to avail this renewable one year life insurance cover of Rs 2 lakh, payable in case of death of the scheme member due to any reason. In case the person holds multiple saving bank accounts in one or different banks, he can join the PMJJBY through one savings bank account only. Benefits of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): Under it, a sum of Rs. 2 lakh is payable to the nominee of the scheme member in the event of the death of the insured due to any reason. There no conditions attached to the death benefit barring that policy is in force and all due premiums, service tax, etc have been paid in full. However, it should be noted that neither maturity benefit nor surrender benefit is payable under this policy, as it is a Term Life Insurance Scheme. Process to activate Pradhan Mantri Jeevan Jyoti Bima Yojana Through SMS: Eligible customers get an SMS asking them to respond as ‘PMJJBY <space> Y’. When the customer replies as ‘PMJJBY <space> Y’, he/she is enrolled for the scheme, and gets an acknowledgement message for receipt of the response. The scheme relies on banking system for its smooth functioning. The nominee’s name/ relationship and date of birth are solely drawn from the concerned details submitted in the savings account. The application for enrolment in PMJJBY is not processed if...

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Swachh Bharat Abhiyan

India that is Bharat is an ancient civilization. It is considered to be a pious nation, its people are very religious. India is consists of people of various faiths; Hindus, Muslims, Christians, Shikhs, Parsis, Jains etc, and they follow their faiths very devotedly. But it is a sad reality of our country that all the cleanliness and piousness is only confined to religious activities or kitchen. We Indians are not concerned about the filth all around us everywhere; anywhere one looks large mounds of dirt will be found. It’s not in our behaviour to keep our surrounding clean and sanitized. At the most we keep our own houses clean and it is of no concern of ours to be careful about streets, lanes, parks or other public places. Even after 65 years of Independence, it is really shameful that Indians are famous for their unhygienic behaviour. Recently, a new Government came into power and one of its main priorities are to make India clean. And for the same objective, the Government has launched a scheme in the name of “Swachh Bharat Abhiyan”. The Government has associated the Abhiyan with Father of the Nation, Mahatma Gandhi as he was a great champion of the cleanliness cause in the country and throughout his life was involved in activities related to sanitation and hygiene. What is Swachh Bharat Abhiyan Swachh Bharat Campaign: The Abhiyan was launched by Prime Minister Narendra Modi on 2nd of October, 2014 at Rajghat, New Delhi with an aim to make India clean. Aim is to provide sanitation facilities to every family, including toilets, solid and liquid waste disposal systems, village cleanliness, and safe and adequate drinking water supply by 2nd October, 2019. It will be a befitting tribute to the Father of the Nation on his 150th birth anniversary. It is significant that the PM himself is taking very proactive role in making the campaign a success; at Rajghat he started the campaign by cleaning the street himself. However, it has been clearly declared that the campaign is not only the duty of the Government but each and every citizen of the country is equally responsible to keep the nation clean or swachh. History of Swachh Bharat Abhiyan The campaign of clean India movement is the biggest step taken ever as a cleanliness drive till date. On the day of launch of campaign around 3 million government employees including students from schools and colleges had participated in the event to make it popularize globally and make common public aware of it. This event was organized at Rashtrapati Bhavan on 2nd of October in 2014 in the presence...

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Digital India

Digital India initiative is one of the most ambitious projects of the Government of India; it is part of PM Narendra Modi’s vision of making India a ‘digitally empowered knowledge economy’. What is Digital India Initiative Digital India initiative is an extended and transformed version of e-Governance project which is in place since mid-1990s. Various e-Governance projects all over the country encompassing all the government departments have not been able to bring about desired results. Thus there was a need felt by the current government to overhaul the present infrastructure of e-governance plan and also include additional objectives in the new initiative. Through the implementation of this scheme, the gap between government departments and people in general would be minimized. Services and benefits provided by the government would reach to the citizens in quick time and without much hassle. It will also ensure local electronic manufacturing and job creations for Indians. Therefore, to realise the objective of making India a ‘Digital Society’ and a ‘Knowledge Economy’, PM Narendra Modi envisioned the scheme of “Digital India” so as to transform the entire concept of Governance by making it more transparent and accessible to the citizen. The Digital India initiative is being envisaged by Department of Electronics and Information Technology (DeitY) but other ministries are also involved such as Ministry of Communications & IT, Ministry of Rural Development, Ministry of Human Resource Development, Ministry of Health and others also. Digital India Initiative Launched PM Narendra Modi launched the ambitious Digital India initiative on 1 July 2015 at a ceremony held in New Delhi to celebrate first Digital India Week, in the presence of top CEOs from India and abroad. The industry lauded this new initiative as an important milestone in transforming India’s digital infrastructure for the next generation and also as a catalyst for investment in technology sector and in employment generation. These CEOs have committed to invest Rs. 4.5 lakh crore for the initiative to make it a success. Vision Areas of Digital India The main vision of Digital India initiative is to ‘transform India into a digitally empowered society and knowledge economy’. To achieve this vision, the government has marked three Vision Areas, viz.: Making digital infrastructure as a utility to every citizen. Making Governance and public services on demand. Making citizens digitally empowered. Important objectives under these vision areas are: High-speed internet connectivity for fast delivery of public services. Creation of unique digital identity for every citizen. Providing private space on public cloud. Making cyber-space safe and secure. To make government services available in real time through online medium. To improve ease of doing business through transformed digital...

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Startup India Action Plan

What is Startup India Startup India is an initiative launched to give new opportunity to the innovative youths of the country in order to more job in India. It is an active support started by the government of India to motivate new entrepreneurs as well as a chance to see some new dreams in the field of development. The action plan of this initiative was launched by the PM Narendra Modi on 16th of January, Saturday 2016 at Vigyan Bhawan, New Delhi. This event was organized by the Department of Industrial Policy and Promotion (DIPP). The aim of this event was celebrating the entrepreneurial spirit of India. It aims to create strong network in India to promote innovations and startups in business by the youths. What is Action Plan The action plan of the startup India initiative has a list of sequential activities and well-defined steps taken by the government of India for the same. Action plan has an outline of all the most important priorities required to focus on the aim of this initiative. Action plan is prepared to give a strong support to the startups of India to create various small businesses for more job creation. It ensures new innovative entrepreneurs to start a business with full support. It is to initiate ‘Make for India’ after the initiative ‘Make in India’ by the youths of the country. It will make Indian youths, who are willing to do something new in the field of business, more confident and energetic. Now, youths can start their own business in favor of India without having much fear of getting failure as this action plan has various effective plans for them. The whole action plan is the wheel of the startups India initiative made for supporting them who are new in business however full of innovative ideas. This initiative is the strong belief of the Indian PM Narendra Modi that our Indian youths can do better in the field of development through businesses if they are given a strong support and chance to implement their innovative ideas of business without any fear and governmental system delay in the process. Benefits of Action Plan Action plan is a well-formed plan of action prepared by the government to set business startups with full support and in the right direction. Action plan provides clarity to prioritize and allocate time and resources in better way to fulfill objectives of the programme. Actions plan becomes a guidebook which helps one to set on the right track. Generally, a business owner faces many unpredictable problems on the way of setting a business. The first and foremost thing is...

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