1. PMJDY
  3. PMSBY
  4. APY
  5. Pradhan Mantri gesture Yojana
  6. Stand Up India theme


PMJDY offers unbanked persons easy accessibility to banking services and awareness concerning monetary product through monetary attainment programmes. Additionally, they receive a RuPay charge account credit, with constitutional accident insurance cowl of Rs. 2 lakh, and access to bill of exchange facility upon satisfactory operation of account or credit history of six months. Further, through Prime Minister’s Social Security Schemes, launched by the Humble Prime Minister on ninth might 2015, all eligible account holders will access through their bank accounts personal accident insurance cowl below Pradhan Mantri Suraksha Bima Yojana, insurance cowl below Pradhan Mantri Jeevan Jyoti Bima Yojana, and secured minimum pension to subscribers below Atal Pension Yojana.

PMJDY was formed as a daring, innovative and bold mission. Census 2011 calculable that out of 24.67 large integer households within the country, 14.48 large integer (58.7%) had access to banking services. Within the initial section of the theme, these households were targeted for inclusion through gap of a checking account among a year of launch of the theme. The particular action, by 26 January 2015, was 12.55 crore. As on 27th March 2019, the quantity of accounts has fully grown to 35.27 crore. Further, in 2011, only 0.33 lakhs and SSAs had banking facility and thru provision of Bank Mitras in one.26 hundred thousand palmlike SSAs, banking services were extended throughout rural India. The inclusive facet of this can be evident from the very fact that 20.90 large integer (60%) of PMJDY accounts square measure in rural areas and 18.74 large integer (over 53%) PMJDY account holders square measure ladies.


The PMJJBY is offered to folks within the people of eighteen to fifty years having a checking account who provide their consent to affix / change auto-debit. Aadhar is that the primary KYC for the checking account. The life cowl of Rs. 2000 is for the one year amount stretching from first Gregorian calendar month to thirty first might and is renewable. Risk coverage below this theme is for Rs. 2000 just in case of death of the insured, because of any reason. The premium is Rs. 330 once a year that is to be auto-debited in one instalment from the subscriber’s checking account as per the choice given by him on or before thirty first might of every annual coverage amount below the theme.


The theme is offered to folks within the people eighteen to seventy years with a checking account who provide their consent to affix / change auto-debit on or before thirty first might for the coverage amount first Gregorian calendar month to thirty first might on AN annual renewal basis. Aadhar would be the first KYC for the checking account. The chance coverage below the theme is Rs.2000 for accidental death and full incapacity and Rs. 1000 for partial incapacity. The premium of Rs.12 once a year is to be subtracted from the account holder’s checking account through ‘auto-debit’ facility in one instalment. The theme is being offered by Public Sector General Insurance firms or the other General non-depository financial institution who are willing to supply the similar terms with necessary approvals and hold up with banks for this purpose.


Under APY, the monthly pension would be out there to the subscriber, and when him to his domestic partner and when their death, the pension corpus, as accumulated at age sixty of the subscriber, would be came back to the candidate of the subscriber. The minimum pension would be secured by the govt., i.e., if the accumulated corpus supported contributions earns a below calculable come back on investment and is insufficient to supply the minimum secured pension, the Central Government would fund such inadequacy. As an alternative, if the returns on investment square measure higher, the subscribers would get increased pension advantages.

Pradhan Mantri gesture Yojana

The theme was launched on 18 April 2015. And the theme loan of upto Rs. 50,000 is given below sub-scheme ‘Shishu’; between Rs. 50,000 to 5 Lakhs below sub-scheme ‘Kishore’; and between 5.0 Lakhs to 10.0 Lakhs below sub-scheme ‘Tarun’. Loans taken don’t need collaterals. These are aimed towards increasing the boldness of young, educated or delicate employees who become initial generation entrepreneurs; existing little businesses, too, are going to be able to expand their activates.

Stand Up India theme

Stand Up India theme caters to promoting entrepreneurship amongst ladies, SC & ST class i.e those sections of the population facing important hurdles because of lack of advice/mentorship still as inadequate and delayed credit. The theme intends to leverage the institutional credit structure to achieve intent on these underserved sectors of the population in beginning Greenfield enterprises. It caters to each prepared and novice borrowers. To increase collateral free coverage, Government of India has come upon the Credit Guarantee Fund for rise up India (CGFSI). Except providing credit facility, rise up India theme additionally envisages extending handholding support to the potential borrowers. It provides for convergence with Central/State Government schemes.

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