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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 benefit cover of Rs. 5 lakh per family per year. PMJAY 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 (PMJAY) will be chosen.
Important Features of PMJAY
Pradhan Mantri Jan Arogya Yojana has its several benefits for the people of the country. The details regarding the salient features of PMJAY is available below.
- PMJAY 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 PMJAY 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 (PMJAY) – 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 SECC database is eligible for PMJAY 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 PMJAY 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 PMJAY 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 Covered Under Pradhan Mantri Jan Arogya Yojana
- 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).
- 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
- Rag picker
- Occupational Categories of Workers.
- Legally released bonded labour
- Primitive tribal groups
- Manual scavenger families
- Destitute/ living on alms
- Households without shelter
Categories Excluded from PMJAY 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.
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 criterias. The Kisan Vikas Patra also 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 Goverment of India thus giving the applicants an assurity in their investment. In this article, we will provide you all the information that you require to know about the Kisan Vikas Patra (KVP) before opening an account. We will discuss about 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 applicable for the scheme or not. Every savings scheme has a particular eligibility criteria, 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 is compounded anually.
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 guranteed. 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 compunded anually, you will receive more returns in your deposit.
The Maturity Period of Kisan Vikas Patra is 118 Months. The Maturity for KVP proceeds to continue till 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 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 Seriel 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.
Premature Encashment of Kisan Vikas Patra
The 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.
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 for every category of person. It is affordable and easy to manage. So, if you have made up the plan then get your monet ready and visit the nearest Post Office.
Check Aadhaar Card Status By Name: The Government has tightly woven Aadhaar with the economy by first linking it with subsidies and then gradually making it mandatory for performing almost everything from bank transactions to filing your taxes. The reach of Aadhaar has gone far beyond its initial purpose of establishing the identity of its holder. Hence, it is important to own this 12 – digit unique identification number.
Aadhaar Card is a 12 digit unique identification number which is issued to every citizen of the country by the Unique Authority of India with the aim to identify them and provide them the benefit of the schemes. This flagship program by the government helps them identifying the fake PAN (Permanent Account Number), passport, driving license, and ration cards.
In case you have applied for your Aadhaar card and waiting to receive it physically, you can check track the document by Name and Enrolment Number.
In this article we have mentioned all the possible ways through which you can check Aadhaar status by name and enrolment ID.
|Various Facilities Provide By The UIDAI Official Website|
|Aadhaar Card Information||Click Here|
|Check UIDAI Official Website Services||Click Here|
|Update Aadhaar Card On SSUP||Click Here|
|Aadhaar Card Correction Online||Click Here|
|Change Aadhaar Card Address Without Mobile Number||Click Here|
|Download Aadhaar Card By Enrolment ID||Click Here|
|Download Aadhaar Card By Aadhaar Number||Click Here|
|Download Aadhaar Card By Name & Date Of Birth||Click Here|
|Link Aadhaar Card With PAN Card||Click Here|
|Link Aadhaar Card With Bank Account||Click Here|
|Link Aadhaar Card To Mobile Number via OTP||Click Here|
How to Check Aadhaar Card Status By Name
In case you have lost your Enrolment ID or Aadhaar number, you can still check Aadhaar card status by name using the following method:
- Visit the official website of UIDAI (Unique Identification of India) i.e. resident.uidai.gov.in/find-uid-eid
- Select ‘Aadhaar Number (UID)’ or ‘Enrolment Number (EID)’ under the section ‘You want to receive your lost’
- Provide full name
- Provide email address
- Provide registered mobile number
- Enter the security code that is displayed on your screen i.e. ‘Get OTP’ button
- You will receive OTP (One Time Password) on your registered mobile phone number or Email address
- Click on ‘Verify OTP’
- After providing all the above mentioned information, you will receive a message on your registered mobile number containing your Aadhaar card number or Enrolment ID
- Visit https://eaadhaar.uidai.gov.in/#/
- Under ‘I have’ select ‘Enrolment ID’
- Provide Aadhaar card number or enrolment ID, full name, PIN code, security text, and mobile number
- Click on ‘Get OTP’ (you will receive OTP on your registered mobile / email ID)
- Enter the OTP in the given box and click on ‘Validate and Download’
- Now you have downloaded your e – Aadhaar card. Enter your PIN code as the password when you open the PDF document
- You now have your e – Aadhaar card and take a print out of it
How to Check Aadhaar Card Status by Name and Enrolment ID
Once applied, it takes typically 3 – 5 weeks to receive your Aadhaar card. UIDAI (Unique Identification Authority of India) offers ways through which you can track the status of your card.
Follow the below mentioned procedures for the Check Aadhaar Card Status by name:
- Visit the official website of UIDAI i.e. uidai.gov.in
- Look for ‘Check Aadhaar Status’ under ‘Aadhaar Online Services’ and click on it and a new tab will open
- Enter your Enrolment ID
- Enter Security Number as given in the box
- Click on the ‘Check Button’ and you can see the status of your Aadhaar card and if the card is ready and the number has been assigned then its e – form can be downloaded from the same site
How to Check Aadhaar card Status Through Aadhaar App
If you wish you can also check Aadhaar card status by name on your Aadhaar App by following the below mentioned procedure:
- Download the ‘Aadhaar Status App’ on your android app
- Click on ‘Get Your Status Button’
- Provide your 14 digit Enrolment ID and date and time of the enrolment number
- Once you have provided all the required details you will receive your current Aadhaar card status
Note – Aadhaar Status App is available only on Google Play Store and it does not have the ios version as of now.
Nowadays, Aadhaar is becoming more and more powerful and has been successful in every path taken towards the development of the economy of the country. Initially starting from the Aadhaar Card to currently Aadhaar on phones seems just magical. The 9 years of the journey has Aadhaar has got so many changes nationally and globally. Be it filing an ITR or submitting your app.
And now you can verify your registered mobile number and email ID using different tools provided by the Unique Identification Authority of India (UIDAI).
For Email: you can visit the UIDAI website homepage, a link is provided which redirects the user to the next page. When you are redirected to the other page, you need to fill in the following details such as the 12-digit Aadhaar number, the email id which you want to verify along with the security password given to verify. After mentioning the following details a One Time Password is generated. You need to give the One Time Password and your mobile number and email id are registered. You need to make sure that the OTP is sent to the email address which you have given during the Aadhaar registration process.
For Mobile Number: In the case of the verification of mobile number, you need to give the Aadhaar number, email id and the mobile number along with the Security Password. Click on the “Get One Time Password” you will receive an OTP in an SMS form. This OTP is sent to the given mobile number. Enter the OTP. Click and verify and you are done with the verification.
To know more about services offered by UIDAI Official Website like Biometric Locking/ Unlocking, Find Enrollment Centers, please click here.
If you are an Indian, and you do not hold a Passport just because you don’t want to follow the complicated formalities and the procedures, so here comes a good news for you. Taking ahead an excellent workmanship Sushma Swaraj led the Ministry of the External Affairs and introduced some new modifications in the process of applying for a Passport. The objective of these rules is to minimize the complexity in the process of Passport Application. Today in this article, we are going to discuss the new rules which has introduced for Indian Passport Application.
Below mentioned are all the amendments that are required for filing a Passport.
- Proof of Address: Earlier, the applicants were finding it difficult to obtain a passport, as the rent agreement they possessed is not the registered one. Therefore, to solve these issues faced by the Bonafide applicants, the Ministry declared that
- Proof of Date of Birth: Earlier, an Indian resident who was born on or after January 26, 1989, has to submit their Date of Birth Certificate as the Proof of Birth. But according to the new rule of Indian Passport, it is not mandatory to submit the Date of Birth Certificate. The person who is born on or after January 26, 1989, can submit any one of the following:
- Birth Certificate
- PAN Card
- Matriculation Certificate
- Aadhaar Card
- For the Government Employees: The ones who are currently working can submit a copy of the extract of their Service Record of an individual. And for the retired employees, they can submit the Pay Pension Order with the Date of Birth mentioned. Both the certificates must be duly signed and authorized by the administrator in charge Ministry of Department.
- Driving License
- Election Photo Identity Card
- Policy Bond issued by the Public Life Insurance Companies/Corporations mentioning the Date of Birth.
- Name of Mother and Father: Earlier, while issuing for a Passport, mentioning both Mother’s and Father’s name was mandatory. But now according to the New Rule, any individual can mention any one of the following names in the application form: mother/father/legal guardian.
- Number of Annexures: Previously, there were 15 annexes to be filled as prescribed under the Passport Rule 1980. But in the new rule, you have to file 9 annexures as some annexures have been merged whereas, some annexes (A, C, D, E, J, and K) has been removed.
- Passport for the Children of Single Parents: Earlier, while applying for a Passport providing names of father and mother was mandatory and both the names should be printed on the passport. But according to the new rule of Passport issuance, the single parents who want to issue the passport for their children have an easy application form. They can also even file a request for not printing the name of the father and mother in the passport.
- Attestation of the Annexes: Earlier, there was a rule that all the annexes that was prescribed under the Passport Rule 1980, must be attested by any Notary/ First Class Judicial Magistrate/ Executive Magistrate. But according to the new rule, all the annexes can be submitted self-declared on a plain paper and no attestation is required.
- Marriage Certificate for Filling a Passport: Before, the Annexure A or Marriage Certificate was compulsory during the issuance of the Passport. But in the new rule of issuing a passport, there are no such obligations and a married couple may file for an Indian Passport without a Marriage Certificate.
- For Divorced or Separated Person: Earlier in the old Passport Rule, the divorced applicants were forced to mention their spouse’s name while issuing for a Passport whereas, in the new rule the divorced or the separate applicants can file for a passport without mentioning their spouse’s name.
- Orphaned Children: Earlier, the orphaned child was supposed to submit proof of date of birth like Birth Certificate or Matriculation Certificate or a declaratory letter by the court mentioning the Date of Birth. But in the new rule, a letter declaring the date of birth of the Orphaned Child in the letterhead of the Orphanage which is attested by the Head of the Orphanage is acceptable while issuing the passport.
- No-Objection Certificate for the Government Employees: Earlier, an identity certificate (Annexure B) or a Non-Objection Certificate (Annexure M) from the employer was a must for an Indian Passport. Whereas, according to the New Passport Rule the Government Employee who is seeking for a Passport can just submit a self-declaration in Annexure N, stating that he/she has been given a prior notice to the Head of the Department that he/she is applying for the Passport.
- Passport Rule for Sadhus and Sanyasis: Earlier, according to the old passport rule the Sadhus and Sanyasis had to mention their parent’s name. But according to the new rule, if the Sadhu or Sanyasi want to mention their Guru Name then they have to present at least one of the following documents- Aadhaar Card, Election Photo Identity Card, PAN Card etc. that has the name of their Guru mentioned under the Header of the Parent’s Name.
Introducing these new rules have made the issuing of the Indian Passport for easy and clear.