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Ajeevika Grameen Express Yojana (AGEY)
In the Age of the Robots and Space Science, there are still many places in India where there are no proper facilities for transportation, food, health, and shelter. Out of which the Transportation issue is what we are going to discuss today in this article. There are no proper roads, highways, and bridges connected to the rural villages due to which the farmers, women, children etc suffer a lot of issues.
Therefore to improve these conditions the Prime Minister of India Mr. Narendra Modi has introduced a new scheme to develop and improve the transportation facility in the rural areas. The scheme was called as the Pradhan Mantri Gram Parivahan Yojana Scheme.
The Main Objective of the Yojana is to provide subsidies to the rural population to buy passenger vehicles like minivans, small buses etc. Proper roads and other modes of transportation are the strong initiatives for the development. This is a move started by the Government to boost the transportation facilities in the rural places in India.
Recently, the government of India has also launched another sub – scheme under Deendayal Antodaya Yojana – National Rural Livelihood Mission (DAY – NRLM) i.e. “Ajeevika Grameen Express Yojana” (AGEY) which is also an extension of Pradhan Mantri Gram Parivahan Yojana.
The objective behind introducing this scheme is to provide means of support for the members of SHGs (Self – help groups) under DAY – NRLM, so that they can run public transport services in backward rural areas, as identified by the States.
It also ensures the empowerment of women by who belong to the self help groups (SHGs) by providing an alternate livelihood by financially helping to operate public transport services in backward rural areas.
And the scheme would be executed in two ways which are as follows:
- Interest Free Loan
- The beneficiary SHG member will be provided an interest free loan by the CBO from its Community Investment Fund up to Rs.6.50 lakh for purchase of the vehicle
- The members of the self – help group would get a maximum period of 6 years to repay the loan they have taken. And bear all the cost connected with the operation of the vehicle, including annual cost of insurance, road tax, permit cost, maintenance cost and all the running costs of the vehicle.
- Once the member of the self – help group successfully repays the loan, the ownership of the vehicle will be transferred to the SHG group.
- Vehicles on lease
- Community Based Organization (CBO) will have a possession of a vehicle and then lease it out to a member of the self – help group to run the vehicle and the member shall pay monthly lease rental to the CBO. CBO will also ensure that the lease amount is reasonable so that the cost of the vehicle can be easily recovered from the SHG member over a maximum period of 6 years in the form of lease rental.
- Also, at the time of recovering the lease rental, no interest is charged on the loan amount.
- Annual cost of insurance, road tax, permit cost and maintenance cost including replacement of tyres will be borne by the CBO. The maximum funding for such items shall not exceed Rs. 2.00 lakhs per vehicle per CBO for the duration of the scheme from 2017-18 to 2019 – 20
- The annual cost of the vehicle and routine maintenance (such as fuel, oil, engine oil, servicing etc) shall be borne by the SHG member.
Eligibility Criteria of the beneficiaries for Ajeevika Grameen Express Yojana (AGEY)
To avail the benefits of Ajeevika Grameen Express Yojana (AGEY), the members of the Self Help Group (SHGs) are required to be literate. And also they are required to hold valid commercial driving license in order to drive the vehicle.
Also, if the member of the SHG decides to appoint a driver to operate the vehicle, the salary of the driver should be borne by the SHG member out of earning from the operation of the vehicle.
Key matters of the Scheme
This scheme will be implemented in nearly 250 blocks for a period of over (2017 – 18 to 2019 – 20) with each block provided up to 6 vehicles in order to operate the transport services. However, during the present year i.e. 2017 – 18, the scheme has been approved to nearly 8 blocks such as Andhra Pradesh, Jharkhand, Maharashtra, Tamil Nadu, Telangana, Uttarakhand, and West Bengal.
And these blocks are selected by states from those blocks where National Rural Livelihood Mission (NRLM), which is being implemented intensively and where mature CBOs are already functioning.
Guideline factors in selection of Blocks and Routes
As per the guidelines, the members of the self – help groups are required to operate the vehicle on the approved routes at pre – determined frequency as jointly agreed between the CBO and the SHG operator based on financial viability and the need for transport link.
Also under this scheme, no second hand vehicle is permitted so as to avoid the higher maintenance and operating cost as decided by the government.
In order to ensure the identity, all the vehicles under the scheme shall have a defined colour code and carry “AGEY” branding on the body of the vehicle, which will also help to avoid diversion to other routes.
And the charges per trip will be fixed jointly by the operator and the CBO subject to rules and regulations of the Transport Department of the State Administration.
Ajeevika Grameen Express Yojana (AGEY) if executed properly will bring positive changes in the lives of the women running the self help groups.
Employee Pension Scheme (EPS) | 2018
In India, Government have introduced several savings schemes such as NPS (National Pension Scheme), NSC (National Savings Certificate), PPF (Public Provident Fund), EPF (Employees’ Provident Fund), and EPS (Employees Pension Scheme) etc in order to cultivate savings habits in people.
This article is particularly focused on EPS (Employees Pension Scheme), its eligibility, contribution, calculations and its terms and conditions.
What is Employee Pension Scheme (EPS) 1995
Employees Pension Scheme (EPS) came into being in 1995 by replacing the FMS (Family Pension Scheme) and offering pension on disablement, widow pension, and pension for nominees.
In Employees Pension Scheme (EPS), only those employees are eligible to have an EPS account who is a member of an EPF account. Also, employers divert 8.33% from EPF account to an EPS account. Central Government also contributes 1.16% to an employees’ EPF account.
Also note that interest is not applicable in ones EPS account.
Employees can start receiving their pension from EPS only after the completion of 10 years of service. Employees who have attained 50 years of age are eligible for an early pension and 58 years of age for a regular pension.
Pension under EPS is for all one’s life, which employee himself will receive. And the spouse or children below the age of 25 years will be beneficiaries of the pension.
Availing the Pension
Under EPS, employees pension is divided into two categories:
- One is for those employees who have joined prior to 15th November 1995 and
- One for those employees who have joined post this date
Also, an employee becomes eligible for the scheme certificate is by the completion of 10 years of service and can claim the pension after attaining the age of 50 years and 58 years and can continue working but no fresh EPF contributions will be made.
EPS is considered to be a very convenient scheme as it allows withdrawal as long as they have not completed their 10 years of service. Also during the exit, the employee receives the employee and employer EPF contribution and the interest earned on it.
What is the Contribution for Employee Pension Scheme
Read the table below to know the contribution details from the employee and the employer towards EPF, EDLIS and EPS.
| Schemes | Employee Contribution | Employer Contribution |
| EPF (Employee Provident Fund) | 12% | 3.67% |
| EPS (Employees’ Pension Scheme) | NIL | 8.33% |
| EDLIS (Employees’ Deposit Linked Insurance) | NIL | 0.5% |
| EDLIS administrative charges | NIL | 0.01% |
| EPF administration charges | NIL | 1.1% |
How to claim the pension money under Employee Pension Scheme
In case if you have a scheme certificate of pension, you have to fill up Form 10 – D in order to get a regular pension. And if you have more than one scheme certificate, you can directly visit the EPF office and you will be required to attest your Form 10 – D by the bank manager.
In case you don’t have a scheme certificate of pension, which means you have not completed 9.5 years of service, you must claim a pension refund. In this case you are required to fill up Form 10 – C along with EPF withdrawal form and submit it through your employer.
Purpose of Employee Pension Scheme
The purpose of the scheme is to provide
- Superannuation Pension – This pension is for the subscribers who has completed 20 years of service and retires after attaining the age of 58 years.
- Retiring Pension – This pension is for the subscribers who have completed 20 years of service and retiring or ceases to be in employment before attaining the age of 58 years.
- Short Service Pension – This pension is for the subscribers who have rendered 10 or more than 10 years of service.
Terms and Conditions of Employee Pension Scheme
Read the below mention steps to know the terms and conditions of EPS:
- To have an EPS account, an employee cannot have more than one EPF account
- An employee falls from the eligibility criteria once they turns 50 years old
- An employee is required to complete minimum of 10 years of service in order to avail EPS scheme
- Government contribution towards EPS account cannot be more than 1.16% of Rs 174.ss
Required Forms in Employees Pension Scheme
Read below to know about the Forms which an employee is required to fill and submit in order to avail different benefits under EPS
- Forms 10 C – Form 10 C is required to be filled by a beneficiary or a member to avail withdrawal benefits and scheme certificate.
- Form 10 D – Form 10 D is required to be filled by a member to avail pension after 58 years of age, also to avail pension before 58 years of age but after turning 50. Also to get a disability pension.
- Form 10 D – Another Form 10 D is meant to avail nominee or dependent pension or to avail family pension and also to avail children and orphan pension.
- Life Certificate – Pension beneficiaries are required to submit it life certificate every November to the manager of pension disbursing banks.
- Non – Remarriage Certificate – Widows are required to submit non – remarriage certificate every year to the manager of pension disbursing banks.
Read below to know the list of Nationalised Banks in which provision has been made for the retired employees drawing pension under Employees’ Provident Fund Organisation (EPFO)
| S.No. | EPFO Regional Office | Pension Disbursing Banks |
| 1 | Delhi (North) | PNB, SBI, IB, UBI, HDFC, ICICI, AXIS |
| 2 | Delhi (South) | PNB, SBI, IB, UBI, HDFC, ICICI, AXIS |
| 3 | Dehradun | PNB, SBI |
| 4 | Gurgaon | PNB, SBI, HDFC, ICICI, AXIS |
| 5 | Faridabad | PNB, SBI, HDFC, ICICI, AXIS |
| 6 | Jaipur | PNB, Thar Gramin Bank, HDFC, ICICI, AXIS, SBBJ |
| 7 | Shimla | PNB, SBI, AXIS |
| 8 | Ludhiana | PNB, SBI, HDFC, AXIS |
| 9 | Chandigarh | PNB, SBI, HDFC, AXIS, ICICI |
| 10 | Bihar | PNB, BOI, HDFC |
| 11 | Meerut | PNB, SBI |
| 12 | Kanpur | PNB, SBI, HDFC, ICICI, AXIS |
| 13 | Hyderabad | SBI, UBI, AB, HDFC, AXIS, ICICI |
| 14 | Guntur | SBI, AB, HDFC, AXIS, ICICI |
| 15 | Nizamabad | SBI, SY. BANK, Gramin BANK, UBI, AB, AXIS |
| 16 | Bhuvneshwer | SBI, BOI, UCO Bank, HDFC, AXIS, ICICI |
| 17 | Bangalore | SBI, CANARA, SY. BANK, CORP. BANK, VIJAYA BANK, HDFC, AXIS, ICICI |
| 18 | Goa | SBI, BOI, HDFC |
| 19 | Gulbarga | SBI, CANARA, SY. BANK, ICICI,CORP. BANK |
| 20 | Mangalore | SBI, CANARA, SY. BANK, CORP. BANK, VIJAYA BANK, AXIS |
| 21 | Peenya | SBI, CANARA BANK, SY. BANK, CORP. BANK, HDFC, AXIS, ICICI |
| 22 | Coimbatore | SBI, IB, IOB, HDFC, AXIS, ICICI |
| 23 | Kerala | PNB, SBI, IB, IOB, CANARA, SY. BANK, FED.BANK, HDFC, AXIS, ICICI, North Malabar Gramin Bank, SBT |
| 24 | Madurai | SBI, IB, IOB, HDFC, AXIS, ICICI |
| 25 | Tambram | SBI, IB, IOB, HDFC, AXIS, ICICI |
| 26 | Chennai | SBI, IB, IOB, HDFC, AXIS, ICICI |
| 27 | Ranchi | PNB, BOI, UBI, HDFC, AXIS, ICICI |
| 28 | Jalpaiguri | SBI, UBI, UCO, CBI, UBKG BANK |
| 29 | Kolkata | PNB, UBI, HDFC, AXIS,ICICI |
| 30 | Guwahati | SBI, HDFC, AXIS, ICICI |
| 31 | Raipur | PNB, SBI, HDFC, AXIS, ICICI, CBI, |
| 32 | Bandra | PNB, SBI, BOI, HDFC, AXIS, ICICI, BOM, IB |
| 33 | Thane | PNB, SBI, BOI, HDFC, AXIS, ICICI |
| 34 | Kandivali | PNB, SBI, BOI, HDFC, AXIS,ICICI |
| 35 | Pune | PNB, SBI, BOI, HDFC, AXIS, ICICI, BOM |
| 36 | Nagpur | PNB, SBI, BOI, HDFC, AXIS, ICICI |
| 37 | Ahmadabad | SBI, DENA, HDFC |
| 38 | Surat | SBI, DENA, HDFC, AXIS, ICICI |
| 39 | Vadodara | SBI, DENA, HDFC |
| 40 | Indore | PNB, SBI, HDFC, AXIS, ICICI |
प्रधानमंत्री जन आरोग्य योजना (आयुष्मान) हेल्थकेयर स्कीम
प्रधानमंत्री जन आरोग्य योजना: पीएम मोदी ने दुनिया की सबसे बड़ी हेल्थकेयर स्कीम ‘आयुष्मान भारत योजना 2018’ का लोकार्पण रांची में रविवार को कर दिया है। जिसके जरिए 50 करोड़ भारतीयों को लाभ मिलने का हवाला एनडीए सरकार द्वारा दिया जा रहा है। प्रधानमंत्री आयुष्मान भारत योजना, देश के 29 राज्यों और केंद्र शासित प्रदेशों के 445 जिलों के लोगों को लाभान्वित करेगी। फिलहाल अभी इस योजना को दिल्ली, केरल, ओडिशा, पंजाब और तेलंगाना में लागू नहीं किया जा रहा है।
प्रधानमंत्री जन आरोग्य योजना से जुड़ी खास बातें
- आयुष्मान भारत योजना का लक्ष्य खासकर निम्न और निम्न मध्यम वर्ग के परिवारों को महंगे मेडिकल बिल से निजात दिलाने के लिए लाया गया है।
- प्रधानमंत्री आयुष्मान भारत योजना के दायरे में गरीब, वंचित ग्रामीण परिवार और शहरी श्रमिकों की पेशेवर श्रेणियों को रखा गया है।
- आयुष्मान योजना में गांवों के 8.03 करोड़ और शहरों के 2.33 करोड़ परिवारों को शामिल किया गया है।
- सरकार की इस हेल्थकेयर योजना के जरिए प्रत्येक परिवार को सालाना 5 लाख रुपये की कवरेज दी जाएगी और वे सरकारी या निजी अस्पताल में कैशलेस इलाज करा सकेंगे।
- देश के करीब 10 हजार अस्पतालों में 2.5 लाख से ज्यादा बेड गरीबों के लिए रिजर्व रखे जाएंगे।
प्रधानमंत्री जन आरोग्य योजना 2018 में कुल खर्च
पीएम मोदी के इस महत्वाकांक्षी योजना में 12000 करोड़ का खर्च आने का अनुमान है। योजना में आने वाले सभी खर्च का वहन केंद्र और राज्य की सरकार को मिलकर करना है। केंद्र सरकार आयुष्मान भारत योजना में जहां कुल खर्च का 60 फीसदी खर्च करेगी, वहीं राज्य की सरकार 40 फीसदी भार वहन करेगी। अर्थशास्त्रियों का मानना है कि पीएम आयुष्मान स्वास्थ्य योजना से मौजूदा वित्त वर्ष में 3500 करोड़ रुपये का भार पड़ेगा।
कोई शिकायत हो तो आयुष्मान मित्र से करें संपर्क
वेबसाइट पर आपका नाम नहीं है तो नजदीकी सरकारी या योजना में शामिल निजी अस्पताल से संपर्क कर सकते हैं। यहां आपकी मदद के लिए सरकार ने आयुष्मान मित्र/आरोग्य मित्र तैनात किये हैं। उनसे योजना से जुड़ी हर छोटी-बड़ी जानकारी ली जा सकती है।
प्रधानमंत्री जन आरोग्य योजना का अस्पताल में ऐसे ले सकते हैं लाभ
अगर आप योजना में शामिल हैं और इसका लाभ लेना चाहते हैं यह बहुत आसान है। आपको योजना में शामिल अस्पताल के आयुष्मान मित्र या आयुष्मान मित्र हेल्प डेस्क से संपर्क करना होगा। वहां आपको पहचान पत्र जैसे दस्तावेज दिखाने होंगे। इसके लिए आधार कार्ड, मतदाता पहचान पत्र या राशन कार्ड की जरूरत पड़ेगी। ध्यान रहे आधार कार्ड की कोई अनिवार्यता नहीं है। इलाज के लिए आपको एक पैसे भी नहीं देना होगा।
इन 5 राज्यों ने मोदी सरकार की आयुष्मान भारत योजना को लागू करने से किया इनकार
पीएम मोदी की महत्वाकांक्षी स्वास्थ्य योजना आयुष्मान भारत को 5 राज्यों ने अस्वीकार कर दिया है। जिन 5 राज्यों ने आयुष्मान भारत को अस्वीकार किया है वे हैं ओडिशा, तेलंगाना, दिल्ली, केरल और पंजाब। इन राज्यों ने योजना को अस्वीकार करने के पीछे उन्होंने अलग-अलग कारण दिए हैं। किसी का कहना है कि उसके पास आयुष्मान भारत से बेहतर स्वास्थ्य योजना है। वहीं, किसी ने केंद्र की योजना से असहमति जताते हुए उसे अस्वीकार कर दिया है। इन 5 राज्यों का कहना है कि जब तक इस योजना के संबंध में उनकी चिंताओं पर ध्यान नहीं दिया जाता, तब तक वे इसे लागू नहीं करेंगे।
आखिर आयुष्मान भारत योजना के लागू होते ही क्यों होने लगी आलोचना?
केरल ने आयुष्मान भारत योजना की आलोचना की है। इंडियन एक्सप्रेस को दिए इंटरव्यू में केरल के गृह मंत्री थॉमस इसाक ने योजना के औचित्य पर सवाल उठाते हुए इसे बड़ी धोखेबाजी है। इसाक ने कहा कि मोदी सरकार कैसे इतने बड़े स्तर की योजना को लागू करेगी। उन्होंने कहा, ‘राष्ट्रीय स्वास्थ्य बीमा योजना के तहत 30,000 रुपये मिलते हैं जिसके लिए सालाना 1,250 रुपये देने होते हैं। आयुष्मान भारत में 1,110 रुपये के सालाना प्रीमियम में 5 लाख रुपये का हेल्थ कवर मिलेगा। क्या इतने कम प्रीमियम पर यह लाभ देना संभव है?’उधर, तेलंगाना ने अपनी आरोग्यश्री योजना की वजह से केंद्र की योजना को खारिज कर दिया है।
आरोग्यश्री योजना के तहत तेलंगाना के 70 प्रतिशत नागरिकों को हेल्थ कवर मिलता है, जबकि आयुष्मान भारत से केवल राज्य 80 लाख लोग लाभान्वित होते। तेलंगाना सरकार को यह भी लगता है कि आयुष्मान भारत योजना के कवर पर प्रधानमंत्री नरेंद्र मोदी की तस्वीर है जिससे आम चुनाव के समय भाजपा को ज्यादा लोकप्रियता मिलेगी। वहीं, दिल्ली में आयुष्मान भारत योजना से असहमति जताने की वजह ये है कि पीएम आरोग्य योजना से दिल्ली के 6 लाख परिवारों को फायदा मिलता जो यहां की जनसंख्या का मात्र 3 प्रतिशत है।
आयुष्मान भारत योजना की 5 बड़ी चुनौतियां
- योजना पर खर्च बड़ी चुनौती- आयुष्मान भारत योजना को राज्यों को साथ लिए बिना लागू नहीं की जा सकती। योजना पर होने वाले खर्च में राज्य भी भागीदार हैं। आयुष्मान में होने वाले खर्च का 60 फीसदी हिस्सा केंद्र उठाएगी, जबकि 40 फीसदी हिस्सेदारी राज्यों की होगी. जबकि, उत्तर पूर्वी और पहाड़ी राज्यों मसलन, जम्मू-कश्मीर, हिमाचल और उत्तराखंड जैसे राज्यों में केंद्र की हिस्सेदारी 90 फीसदी की होगी.
- खर्च को कंट्रोल करना बड़ा चैलेंज – लाभार्थी, बीमा कंपनी, निजी अस्पताल, डॉक्टर्स आदि 50 करोड़ लोगों को बीमा मुहैया कराने के लिए सरकार के सामने बड़ी चुनौती लागत को कम रखने की होगी।
- निजी अस्पताल अभी भी सहमत नहीं- आयुष्मान भारत की राह में सबसे बड़ी चुनौती यह है कि निजी अस्पताल सरकार की ओर से विभिन्न बीमारियों के इलाज के लिए तय की गई दरों पर सहमत नहीं हैं।
- सही लाभार्थियों की पहचान बड़ी चुनौती- एक ही नाम के कई लाभार्थी, नाम की स्पेलिंग में अंतर, ऐसी कई चीजें हैं, जो सही व्यक्ति की पहचान में दिक्कत पैदा करती हैं।
- हेल्थ ऐंड वेलनेस सेंटर के भरोसे है आषुष्मान भारत योजना- नेशनल हेल्थ प्रोटेक्शन स्कीम की सफलता हेल्थ ऐंड वेलनेस सेंटर पर टिकी है और अभी आजादी के 7 दशक बाद भी वेलनेस सेंटर की स्थिति किसी से छिपी नहीं है।
प्रधानमंत्री जन आरोग्य योजना (PMJAY) में आप शामिल हैं कि नहीं, ऐसे करें चेक
योजना में आप शामिल (आयुष्मान भारत योजना रजिस्ट्रेशन) हैं या नहीं, यह पता करना बहुत आसान है। नीचे दिए गए स्टेप्स को फॉलो करके आप अपनी आयुष्मान योजना में पात्रता जान सकेंगे।
- सबसे पहले आयुष्मान भारत की ऑफिशियल वेबसाइट mera.pmjay.gov.in खोलें।
- होमपेज पर आपको अपना मोबाइल नंबर डालना होगा।
- अब आपके नंबर पर एक ओटीपी आएगा।
- इस वन टाइम पासवर्ड को वेबसाइट पर डालकर वेरीफाई करने के बाद एक पेज खुलेगा।
- जहां आप देख सकते हैं कि आप योजना में शामिल हैं या नहीं।
- आयुष्मान भारत योजना में शामिल करीब 10 हजार अस्पतालों में 13 सौ से ज्यादा बीमारियों और इससे संबंधित पैकेज को इलाज में शामिल किया गया है।
- पात्र व्यक्ति पीएम आयुष्मान भारत योजना से कैंसर की सर्जरी, हार्ट की बाइपास सर्जरी, आंख-दांत का ऑपरेशन, सीटी स्कैन, एमआरआई जैसी तमाम बीमारियों का निशुल्क इलाज करवा सकेंगा।
- अगर आयुष्मान भारत योजना से जुड़ी किसी भी प्रकार की जानकारी चाहिए तो सरकार द्वारा जारी किए गए हेल्पलाइन नंबर 14555 पर कॉल करें।
क्या आर्थिक रूप से व्यावहारिक है आयुष्मान भारत स्वास्थ्य बीमा योजना
सरकार अस्पताल को सीजीएचएस से तय किए हुए रेट से 15 फीसदी कम रेट देगी। सीजीएचएस में प्राइवेट वार्ड का प्रावधान है और प्रधानमंत्री जन आरोग्य योजना में जनरल वार्ड का। हां, जो अस्पताल एनएबीएचएल से मान्यता प्राप्त होंगे, उन्हें 10 फीसदी ज्यादा राशि दी जाएगी। दरअसल एनएबीएचएल से मान्यता प्राप्त लैब रिपोर्ट की मान्यता दुनियाभर में हैं और इस रिपोर्ट की विश्वसनीयता और प्रमाणिकता देश ही नहीं विदेशों में भी है। इतना ही नहीं सरकार रिपोर्ट एरियाज में अस्पताल खोलने को बढ़ावा देने के लिए तय राशि से 10 फीसदी ज्यादा देगी।
प्रधानमंत्री जन आरोग्य योजना से जुड़कर हर महीने कमाएं 90 हजार रूपए
आयुष्मान योजना (पीएम हेल्थ इंश्योरेंस स्कीम) में तकरीबन 10 करोड़ परिवारों का 5 लाख रुपये सालाना का स्वास्थ्य बीमा कराया जायेगा। साथ ही इस योजना से 1 लाख लोगों को रोजगार मिलेगा। इस योजना के तहत सरकार जन-धन योजना की तरह ही आयुष्मान मित्र बनाएगी। स्वास्थ्य मित्र ठीक उसी तरह होंगे जैसे जनधन योजना में बैंक मित्र लोगों का खाता खुलवाने के साथ-साथ बैंकिंग ट्रांजैक्शन कराते हैं।
Pradhan Mantri Jan Arogya Yojana – PMJAY
PM-JAY: Prime Minister Shri Narendra Modi has launched Pradhan Mantri Jan Arogya Yojana on 23rd September 2018 in Ranchi, Jharkhand. The scheme is under Ayushman Bharat Mission which has the benefits cover of Rs. 5 lakh per family per year. PM JAY will target more than 10 crore families belonging to the poor and vulnerable population on the basis of the SECC database. SECC database is Socio-Economic and Caste Census 2011 according to which the beneficiaries of Pradhan Mantri Jan Arogya Yojana (PM JAY) will be chosen.
Important Features of PM JAY
Pradhan Mantri Jan Arogya Yojana has its several benefits for the people of the country. The details regarding the salient features of PM JAY is available below.
- PM JAY will have a benefit cover of Rs. 5 lakh per family per year. This will cover pre and post-hospitalization charges as well as all secondary care and most of the tertiary care procedures.
- There will be no restriction on family size & age and the beneficiary will receive a defined transport allowance per hospitalization as well.
- The beneficiary can avail the cashless benefits under PM JAY Scheme in any Public or Empanelled Private hospitals across the country and get free treatment.
- All the pre-existing conditions will be recovered from Day 1 of the policy.
- The beneficiary need not pay money for treatment in case of hospitalization.
- Pradhan Mantri Jan Arogya Yojana automatically covers all the family members of the eligible beneficiary as per latest SECC database.
- The payments for treatment will be done on the package rate in order to control costs. It will be a paperless, cashless transaction for the beneficiary.
- The beneficiary has to carry any Prescribed ID to receive treatment at the hospital.
Pradhan Mantri Jan Arogya Yojana (PM JAY) – Eligibility
To avail the benefits of PM-JAY, one should fall into the category of eligible beneficiary. A person whose record is available in the SEC database is eligible for PM JAY Scheme. However, the scheme automatically covers the family members of the beneficiary irrespective of family size & age. This is a big help for the people who are not able to carry the expense of the treatments. Read the steps to check the PM JAY Eligibility from below.
- Visit the website of Pradhan Mantri Jan Arogya Yojana that is www.abnhpm.gov.in.
- On the home page, you will find ‘AM I Eligible’
- Then click on the button and a new window will open asking for Mobile Number and OTP.
- After that fill your Mobile Number, Captcha Code & click on ‘Generate OTP’.
- You will receive an OTP on your Mobile Number.
- Hence fill the OTP in the given space, select on the checkbox to accept the conditions & click on the ‘submit’ button.
- After that, a Search window will open wherein one can find his/her detail.
- Then select the state where you are residing from the drop-down menu.
- Further, choose the category from the available options in the drop-down.
- You can search your details by choosing the category such as Name, Ration Card Number, Mobile Number, RSBY URN & can check your eligibility.
Number of Beneficiaries of PM JAY Scheme
Pradhan Mantri Jan Arogya Yojana scheme will target 10.74 crores (approximately 50 crore beneficiaries) rural families and identified an occupational category of urban workers families depending the latest Socio-Economic Caste Census (SECC) data covering both rural and urban. Ayushman Bharat -National Health Protection Mission (AB-NHPM) will cover all districts of all the States/UTs in order to provide the benefit to the person in need. All such enrolled families under Rashtriya Swasthaya Bima Yojana (RSBY) that do not feature in the targeted groups as per SECC data will be included as well.
Categories Excluded from PM JAY Scheme
As per the Socio-Economic Caste Census (SECC) 2011, the following beneficiaries are automatically excluded from Pradhan Mantri Jan Arogya Yojana:
- Owning at least 7.5 acres of land or more with at least one irrigation equipment
- Owns 5 acres or more of irrigated land for two or more crop season
- Owns more than 2.5 acres of irrigated land with 1 irrigation equipment
- Owns a landline phone
- Owns a refrigerator
- House with three or more rooms with pucca walls and roof
- Households paying professional tax
- Households paying income tax
- Any member of household earning more than Rs. 10,000/- per month
- Households with non-agricultural enterprises registered with the government.
- A Household member is a government employee.
- Households having Kisan Credit Card with the credit limit above Rs. 50,000/.
- Households having mechanized 3/4 wheeler agricultural equipment.
- Households having motorized 2/3/4 wheeler/fishing boat.
Categories Covered Under Pradhan Mantri Jan Arogya Yojana
For Rural
- Total deprived Households targeted for PMRSSM who belong to one of the six deprivation criteria amongst D1, D2, D3, D4, D5, and D7.
- Only one room with Kucha walls and Kucha roof (D1).
- No adult member between age 16 to 59 (D2).
- Female-headed households with no adult male member between age 16 to 59 (D3).
- Disabled member and no able-bodied adult member (D4).
- SC/ST households (D5).
- Landless households deriving a major part of their income from manual casual labor (D7).
For Urban
- Washer-man/ Chowkidar.
- Electrician/ Mechanic/ Assembler/ Repair worker.
- Shop worker/ Assistant/ Peon in small establishment/ Helper/Delivery assistant / Attendant/ Waiter.
- Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart puller/ Rickshaw puller.
- Home-based worker/ Artisan/ Handicrafts worker / Tailor.
- Sweeper/ Sanitation worker / Mali
- Coolie and another head-load worker
- Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard.
- Street vendor/ Cobbler/hawker / Other service provider working on streets
- Domestic worker
- Beggar
- Ragpicker
- Occupational Categories of Workers.
Automatically included
- Legally released bonded labor
- Primitive tribal groups
- Manual scavenger families
- Destitute/ living on alms
- Households without shelter
Kisan Vikas Patra Eligibility, Interest Rate, Features and Benefits
Kisan Vikas Patra Eligibility: Are you sitting in front of the computer searching for a Saving Scheme which will give you a good interest rate with attractive features and benefits? If you are among one of them, then you are at the right place. Kisan Vikas Patra is one such savings scheme, which falls under the above-mentioned criteria. The Kisan Vikas Patra also was known as KVP, in short, is a saving which was launched by Indian Post Office in the year 1988. The savings scheme is available in the form of certificates thus making it more unique. The KVP has a fixed interest rate which doubles up your investment amount in a period of 118 months (9 years and 10 Months).
What makes the Kisan Vikas Patra unique, is its risk-free attribute. The scheme works under the Government of India thus giving the applicants an assurity in their investment. In this article, we will provide you with all the information that you require to know about the Kisan Vikas Patra (KVP) before opening an account. We will discuss its Kisan Vikas Patra Eligibility criteria, its interest rate, features, benefits and much more. So, let’s just not waste time and start with the Kisan Vikas Patra (KVP) Savings Scheme details.
Kisan Vikas Patra Eligibility Criteria Savings Scheme
Before investing your money into any scheme, be it a Government based / Private based. It is very necessary to know whether you are applying for the scheme or not. Every savings scheme has a particular eligibility criterion, thus making it more sorted and easier. You can buy the Kisan Vikas Patra at any nearest Post Office, or it is also available online and at selected Banks as well.
Kisan Vikas Patra Eligibility Criteria Savings Scheme are as follows-
- The Applicant must be 18 years or above in age.
- Must be a Resident of India.
- If the candidate is a minor, then the KVP Scheme can be invested by the Parents/Guardian on the applicant’s behalf.
- Trusts can also buy scheme.
- Two adults jointly can also apply for this scheme.
Applicants who cannot apply for KVP Scheme
- Hindu Undivided Families (HUFs)
- Non – Resident Indians (NRIs)
Interest Rates provided by the Kisan Vikas Patra (KVP) Scheme
The Kisan Vikas Patra offers a rate of Interest of 7.3% per annum that gets doubled (investment) after every 118 Months. The rates of interests may change periodically based on the announcement made by the Finance Ministry. The Principal of KVP Savings Scheme has compounded annually.
Earlier Interest Rates of Kisan Vikas Patra is as follows
| Time Period | Interest Rate of KVP Scheme |
| Q2 FY (2018-19) | 7.3% (Maturity at 118 Months) |
| Q1 FY (2018-19) | 7.3% (Maturity at 115 Months) |
| Q4 FY (2018-19) | 7.3% (Maturity at 115 Months) |
| Q3 FY (2018-19) | 7.5% (Maturity at 115 Months) |
| Q2 FY (2018-19) | 7.5% (Maturity at 115 Months) |
| Q1 FY (2018-19) | 7.5% (Maturity at 115 Months) |
Features and Benefits of Kisan Vikas Patra Savings (KVP) Scheme
The KVP Savings Scheme offers unlimited features, as per the priority and requirements of the applicants. The features of Kisan Vikas Patra are as follows-
- Guaranteed Returns
The scheme is basically meant for the Farmers and the people residing in the rural areas. Besides the Market ups and down, the return amount of the Scheme is stable and guaranteed. The certificates are available in denominations of Rs 1000, Rs 5000, Rs 10, 000 and Rs 50, 000.
- Capital Protection
The KVP Savings Scheme is a safe mode of investment and is free from the market risks. You will receive the gains and the investment as soon as the tenure period ends.
- Fixed Interest Rate
The effective interest rates of Kisan Vikas Patra varies depends on the number of years invested in KVP at the time of purchase. The current interest rate of KVP Scheme is 7.3% which got into effect from 1st January 2018. Since the scheme is compounded annually, you will receive more returns in your deposit.
- Tenure
The Maturity Period of Kisan Vikas Patra is 118 Months. The Maturity for KVP proceeds to continue until you withdraw the amount.
- Tax- free
The Kisan Vikas Patra Savings Scheme does not come under 80C Deductions and the returns are completely taxable. The TDS (Tax Deduction Source) is exempted from withdrawals after the maturity period.
- Nomination Facility
You can collect the Nomination Form from the nearest Post Office and fill up the required information of the nominee. If you are nominating a minor, then do mention their Date of Birth.
- Easy and Affordable
The Kisan Savings Scheme Certificate is available in the denomination of Rs 100, Rs 500, Rs 1000, Rs 10, 000 and Rs 50, 000 for investment. There is no maximum limit. The denominations of 50, 000 is available only at the Head Post Office of the city.
- Loan against KVP Certificate
You can use for KVP Certificate as a security to avail secured loans. The rate is comparatively less for such loans.
- Issuance of KVP Certificate
If the payment is done through cash, then the issuance of the certificate is done at the spot. If the payment is done through Demand Draft, Cheque, or Money Order then you will have to wait till the amount is cleared to the post office.
After the issuance of Kisan Vikas Patra Certificate, a KVP Identity Slip is present at the end of the application form which contains the KVP Serial Number, the amount, the maturity date and the amount to be received at the date of maturity. The Kisan Vikas Patra Scheme is transferable from one person to another as well as from one post office to another post office.
The procedure of Investment in Kisan Vikas Patra (KVP) Savings Scheme
You can make the investment in Kisan Vikas Patra both Online and Offline. The process to invest your fund in KVP Scheme is as follows –
Offline Procedure of Investment in Kisan Vikas Patra Scheme
- Visit the nearest Post Office
- Collect the Application Form (Form-A)
- Fill in the details correctly.
- Submit the Filled Application Form at the Post Office.
If the investment in KVP is through an agent, then the agent should fill the form (Form – A1).
Online Procedure of Investment in Kisan Vikas Patra Scheme
- Visit the Official website of Indian Post
- Download the Online Application Form (Form – A) and Fill in with correct details.
Documents Required for taking Kisan Vikas Patra Scheme (KVP)
The KVP Application Process includes Know Your Customer (KYC) Process which is mandatory. The documents required in the Application Procedure of KVP Scheme are –
- Candidates have to submit a copy of ID Proof such as (Aadhaar Card/ PAN Card/ Voter ID/ Driving License/ Passport).
Once the documents are verified, and you receive a deposit. A KVP Certificate will be issued. Keep the certificate safe as you will need to submit the certificate at the time of maturity. You can also send a request to send you the certificate through e-mail.
The Kisan Vikas Patra is a worth long-time investment scheme that is applicable to every category of person. It is affordable and easy to manage. So, if you have made up the plan then get your money ready and visit the nearest Post Office.
Premature Encashment of Kisan Vikas Patra
Investors are allowed to withdraw the fund at any period of time but to claim that, it has certain limitations.
- Premature Withdrawals made within a period of 1 year will not receive any Interest. The investor will also have to pay some penalty as per the scheme regulations.
- Premature withdrawals made after the period of 1 to 2.5 year, will receive interest but at a reduced rate.
- Premature Withdrawals made after the period of 2.5 years will receive interest but at an applicable rate.