On the occasion of International Women’s Day, let’s take a look at various schemes launched for women by the Ministry of Finance.
The Ministry of Finance has launched several schemes in the last 7 years, with special provision for women empowerment. These schemes have empowered women financially, so that they can lead a better life and realize their dream of becoming entrepreneurs.
(1) Stand Up India Scheme
The scheme was launched on April 5, 2016 and aims to create economic empowerment and employment opportunities at lower levels in rural areas. Also, business has to be promoted.
The objective of this scheme is to extend the benefit of institutional loans to sections where they did not have access before and have SCs, STs and women traders, so that they can also be given an opportunity to participate in the economic progress of the nation.
The objective of the scheme is to provide a loan facility of at least one member of Scheduled Castes and Scheduled Tribes and at least one woman entrepreneur from each branch of Scheduled Commercial Bank (SCB), from a bank loan of Rs 10 lakh to one crore. , So that they can set up green area enterprises.
Under the Standup India scheme, as of 26.02.2021, an amount of Rs 20,749 crore has been approved for women traders in more than 81 per cent i.e. 91,109 accounts.
(2) Pradhan Mantri Mudra Yojana (PMMY)
The scheme was launched on April 8, 2015 to provide loan amount up to Rs 10 lakh for non-corporate, non-agricultural small / micro enterprises.
These loans are classified as Mudra loans under the PMMY and these loans are offered by commercial banks, regional rural banks, small finance banks, micro finance institutions and non-banking financial corporations.
Under PMMY, Mudra loan is categorized as Shishu, Kishore and Tarun, so that the stages of growth of the beneficiary micro unit / entrepreneur can be identified and development needs are given and they are given further support for the next stages of development. To go
From the inception of Mudra Yojana till 26.02.2021, an amount of Rs 6.36 lakh crore has been approved in 68% i.e. 19.04 crore accounts of women entrepreneurs.
(3) Pradhan Mantri Jan Dhan Yojana (PMJDY)
The scheme was launched on August 28, 2014 and aims to provide at least one bank account infrastructure, financial literacy, access to credit, insurance and pension facilities to each family.
Under this scheme, a total of 41.93 crore accounts have been opened till 24.02.2021, out of which 23.21 crore accounts are related to women.
If you want to open your new Jan Dhan account then you can easily do this work by going to the nearest bank. For this, you have to fill a form in the bank.
In it, name, mobile number, bank branch name, applicant’s address, nominee, business / employment and annual income and number of dependents, SSA code or ward number, village code or town code, etc. will have to be given.
If you have an old bank account, it is easy to convert it into a Jan Dhan account. For this, you will have to go to the bank branch and apply for RuPay card and after filling a form, your bank account will be transferred to Jan Dhan Yojana.
Aadhaar card or passport or driving license or PAN card, Voter card, NREGA job card, letter issued by authorization, with name, address and Aadhaar number, a letter issued by a gazetted officer bearing an attested photo of account opening.
Interest is received on the positive. Free mobile banking facility is also provided with the account. If you have a Jan Dhan account, you can withdraw up to an additional 10,000 rupees from your account through overdraft. But this facility is available only after proper maintenance of Jan Dhan account for a few months.
Accidental insurance cover up to 2 lakh rupees. Life cover up to Rs 30,000, which is available on the eligibility conditions on the death of the beneficiary. The ruler of Jan Dhan account is given a RuPay Debit Card from which he can withdraw money from the account or make a purchase.
It is easy to buy insurance, pension products through Jan Dhan account. If there is a Jan Dhan account, then accounts will be opened for pension in schemes like PM Kisan and Shramayogi Maandhan. Money transfer facility is available across the country. Money comes directly into the account of the benefits of government schemes.
