From farm to home system: Learn, what are these schemes and what benefits do farmers have from them?
The government has run many beneficial schemes for the farmers, due to which many farmers are not aware, they are not able to take advantage of these schemes. The purpose of the schemes ranging from farm to home is contained in the schemes the government has run in the interest of farmers. By taking advantage of these schemes, farmers can be able to meet their needs to a great extent. Assistance from the government is given directly in the accounts of the farmers so that the farmers can get help directly. A lot of effort has been made by the government to maintain transparency of the schemes so that farmers can get the benefits of government schemes. Let us know about the top 10 government schemes being run by the government, by which you can get help by taking advantage of them.
1. Pradhan Mantri Kisan Samman Nidhi Yojana
The Pradhan Mantri Kisan Samman Nidhi is one of the important schemes of the Government of India, which provides financial assistance to small and marginal farmers who have less than 2 hectares (4.9 acres) of land. Under this scheme, all the farmers are getting Rs. 6 thousand per year as minimum income support.
This scheme, implemented from 1 December 2018, is proving to be a boon for farmers. 6, under the Prime Minister Kisan Samman Nidhi Scheme 000 per year is paid in three installments to each eligible farmer and the amount is directly deposited in their bank accounts. In which after every 4 months, 2 thousand assistance is being given to the farmer. The scheme was launched in the Rabi season of 2018.
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At that time, the government had made an advance budgetary provision of Rs 20 thousand crore for this. While the annual expenditure on the scheme was estimated to be 75 thousand crores. But due to the high number of farmers in the country and the interest of farmers in this scheme, the annual expenditure has increased. This scheme has proved very useful for small farmers. The cash-strapped farmers, just before sowing, are getting access to the availability of seeds, fertilizers and other inputs from this cash.
The scheme provides for the benefit of less than two hectares of cultivated land to farmers. Availability of fertilizer and other inputs is being facilitated. The scheme provides for the benefit of less than two hectares of cultivated land to farmers. Availability of fertilizer and other inputs is being facilitated. The scheme provides for the benefit of less than two hectares of cultivated land to farmers.
For more information about PM Kisan Samman Nidhi visit https://pmkisan.gov.in/ website.
2. Pradhan Mantri Awas Yojana (Rural)
It is a scheme run by the Modi government of the Center, under which the target is to provide pucca houses to more and more families in rural areas by 2022. Under this scheme, the government provides money support for construction of pucca houses featuring all basic facilities like power supply and sanitation.
All families who do not have a home or are currently living in raw or dilapidated houses in rural areas of India can apply for this scheme. In PMAY-G, you can take a loan of 6 lakh rupees at an interest rate of up to 6.5 percent annually. The minimum size of the house should be 25 square meters with all basic facilities such as power supply and clean cooking space. If you need more than this to build a house, then you will have to take a loan with the normal interest rate on that additional amount.
For more information about Pradhan Mantri Awas Yojana See https://pmayg.nic.in/ website.
3. Pradhan Mantri Jan Dhan Yojana
Pradhan Mantri Jan Dhan Sarkar Yojana was launched on 28 August 2014. This scheme has been run for those poor people who are resident of India but they do not have any bank account. Such people can open an account under this scheme. Any person of the country can open their bank account under this scheme. The main goal of this scheme is to bring financial inclusion in the country.
The government’s goal behind this scheme is that under the Jan Dhan Yojana, with the opening of new bank accounts to the people, the benefits of the government schemes will be directly delivered. The central government has given great relief to the account holders associated with the Pradhan Mantri Jan-Dhan Yojana. In the account opened in Jan-Dhan Yojana, the central government has doubled the facility of overdraft of five thousand rupees to 10,000 rupees.
Pradhan Mantri Jan-Dhan Yojana provides financial services in different ways with opening of accounts such as banking savings account and deposit account, loan, insurance, Provides facilities like pension. Jan Dhan account can be opened in any bank branch or business representative (Bank Mitra). This account can be opened in this government scheme with free balance. If you open an account with any bank, then you have to pay a charge of 1000 / – or 500 / -, but in this Jan Dhan account you will not have to pay any charge. Under this, 11 crore people have opened accounts.
For more information about Pradhan Mantri Jan Dhan Yojana, visit https://www.pmjdy.gov.in/ website.
4. Pradhan Mantri Jeevan Jyoti Insurance Scheme
Pradhan Mantri Jeevan Jyoti Bima Yojana was launched by the Central Government on 9 May 2015. The objective of this scheme is to extend the benefit of life insurance to every person of the country. The plan has a term insurance plan.
After investing in Pradhan Mantri Jeevan Jyoti Bima Yojana, if a person dies due to any reason, then his family is given assistance of Rs 2 lakh in this government scheme. In this, you have to pay an annual premium. This is a much lower premium plan as compared to other existing insurance plans.
Pradhan Mantri Jeevan Jyoti Bima Yojana is operated by banks and these insurance policies are provided to the bank account holder only. No medical examination is required to purchase this insurance plan. The minimum age for insurance under Pradhan Mantri Jeevan Jyoti Bima Yojana is 18 and maximum age is 50 years and the maturity age of the policy is 55 years. The annual premium under this scheme is Rs 330.
For more information about Pradhan Mantri Jeevan Jyoti Bima Yojana, visit the website https://www.jansuraksha.gov.in/ .
5. Pradhan Mantri Ujjwala Scheme
Pradhan Mantri Ujjwala Yojana was launched on 1 May 2016 by the Central Government. The scheme is being run in collaboration with the Ministry of Petroleum and Natural Gas of the Central Government.
Under the Pradhan Mantri Ujjwala Government Scheme, the Government of India provides gas connections to the families falling below the poverty line. Pradhan Mantri Ujjwala scheme is for women so that they do not have any difficulty in cooking. Under this scheme VPL and Antodaya all families are provided with gas connections. Subsidies are also provided under this scheme along with gas connections.
The subsidy is directly credited to the consumer’s bank account. Let us tell you that the government provides financial assistance to poor families under PM Ujjwala scheme. In this, 1600 rupees are given by the government. These money are given to buy LPG gas connections. Along with this, people coming to buy stove and filling LPG cylinder for the first time
For more information on the Prime Minister Ujjwala scheme, visit the website http://bit.ly/2MMCj0B .
6. Prime Minister Employment Generation Scheme / Program
The Prime Minister Employment Generation Scheme is also known by the Prime Minister Employment Generation Program. Through this scheme, loans are provided to all poor unemployed people so that they can start their self-employment. Under this scheme, loans are given in two areas: construction sector and service sector. The main objective of the scheme is to provide employment to all unemployed in all rural areas and urban areas. Under this scheme, you can get a loan of 10 lakh to 25 lakh rupees. The government aims to generate 14 lakh new jobs under the scheme by March 2020. There is also a provision of 15-35 per cent subsidy on loans taken under this scheme.
For more information on the Prime Minister Employment Generation Scheme, visit the website https://www.jansuraksha.gov.in/ .
7. Prime Crop Insurance Scheme
Pradhan Mantri Crop Insurance Scheme was launched by the Central Government to provide relief to the farmers due to natural calamities like rain, storm, storm, hail, earthquake etc. Under this, farmers have to pay only 2 percent of the total sum assured for all types of kharif crops, the same 1.5 percent premium amount for all kinds of rabi crops.
For annual commercial and horticultural crops, only 5 percent of the premium amount will be paid by the farmers. The premium rate paid by the farmers is very low and the remaining premium amount will be paid by the government to get the full insurance amount for the farmers for crop losses due to natural calamities. There is no maximum government subsidy in this scheme.
Even if the remaining premium is 90 percent, it will still be borne by the government. before this, There was a provision for capping at a premium rate due to which farmers were being paid less claims. This capping was imposed to limit government spending on premium subsidies. This capping has now been removed and farmers will be able to claim the entire sum insured without any deduction. The new crop insurance scheme is on the lines of one nation-one scheme. It incorporates the features of all previous best plans and removes past shortcomings or weaknesses.
For more information on Prime Minister Crop Insurance Scheme, visit the website https://www.icar.org.in/en/node/2475 .
8. Pradhan Mantri Ayushman Bharat Scheme
Pradhan Mantri Ayushman Bharat Yojana is also known as Pradhan Mantri Jan Arogya Yojana. This government scheme has been started for the health insurance of the poor people of the country. Under the Prime Minister Ayushman Bharat Yojana, 10 crore families of the country will be provided insurance up to Rs 5 lakh per annum.
The scheme aims to support all the economically weaker people of India. The benefits of this scheme have been extended to 10 lakh families so far. There are more than 1300 diseases available for treatment under Ayushman Bharat such as cancer, kidney, heart disease and liver disease, diabetes. Every time the government will also pay transportation expenses for hospitalization, cashless treatment can be done in any government or private hospital in the country. No one (especially women, children and elderly) is denied treatment under this scheme, There is no limit on family size and age for this. This scheme covers hospitalization and subsequent expenses.
For more information about Pradhan Mantri Ayushman Bharat Scheme, visit the website https://pmjay.gov.in/en .
9. Sukanya Samriddhi Yojana
If you are worried about your daughter’s education or wedding expenses, then Sukanya Samriddhi Yojana can help you in this. Sukanya scheme helps in education of daughters and to meet their wedding expenses. Under this government scheme, 8.1 percent interest is available now, under Section 80C of income tax, there is a tax rebate for investing in this scheme.
This means that you can get the benefit of tax rebate on an annual investment of 1.5 lakh rupees. The scheme was launched by the Central Government on 4 December 2014. This scheme is also known as Small Savings Scheme. First, the minimum deposit amount in this scheme is 1, 000 rupees which has now been reduced to 250 rupees. Account of Sukanya Samriddhi Yojana can be opened at any of the nearest banks or post offices.
Under this scheme, accounts can be opened from the birth of a daughter up to the age of 10 years. You can deposit from 1 thousand to 1 lakh fifty thousand rupees in a year in the name of a daughter opened under this scheme. The scheme is characterized by the security of capital with a fixed income. In Sukanya Samriddhi Yojana, one has to invest till the completion of 14 years from the day the account is opened. But this account matures on completion of 21 years.
After the completion of 14 years of the account, the money will continue to be added to the account according to the fixed rate of interest at that time for 21 years. In this scheme, if you deposit 35 rupees per day or even about 1,000 rupees a month, then it will be 12,000 rupees annually, on depositing you will get more than 5 lakh rupees on maturity.
For more information on Sukanya Samriddhi Yojana, visit its website https://www.india.gov.in/ .
10. Pradhan Mantri Kisan Mandhan Yojana
After retirement, the Modi government has given pension scheme to the farmers as well. This scheme is being run by the Central Government. Under this scheme, the farmers are given a minimum pension of Rs 3000 after the age of 60 years. Under this scheme, many farmers between the ages of 18 to 40 can apply for PM Kisan Maandhan Yojana.
For this, the applicant farmer has to contribute between Rs 55 to Rs 200 every month till the age of 60 years. After the age of 60, the farmers are given a pension of at least 3 thousand rupees a month under the scheme. This pension fund is managed by the Life Insurance Corporation of India (LIC). This scheme can be availed by farmers who have cultivable land up to a maximum of 2 hectares.
If you join at the age of 18, then the monthly contribution will be 55 rupees every month. As much as the farmer will contribute to PM Kisan Mandhan, The government will also contribute equally to the PM Kisan account. If the farmer dies, the farmer’s wife will be entitled to 50 percent pension as family pension.
For more information about Pradhan Mantri Kisan Manadhan Yojana, visit its website https://maandhan.in .
