Ayushman Bharat Yojana | Pradhan Mantri Jan Arogya Yojana
Today we are going to tell you details about ayushman bharat yojana or we can call itas Pradhan Mantri Jan Arogya Yojana.
What is Ayushman Bharat Yojana?
Its one or the same thing as just name has been changed for the scheme.
This scheme is run by central government launched in 2018.
Its a umbrella scheme to “Health and Wellness centres” and “National Health Protection Scheme(NHPS)”.
Currently Indu Bhushan is CEO of the scheme along with Dr Dinesh Arora as deputy CEO.
Ayushman Bharat is formed by combining multiple mission like Rashtriya Swasthya Bima Yojana, Senior citizen health Insurance Scheme (SCHIS) and the National Health Policy.
Ayushman Bharat Yojana consists of two main components
- First creation of 1,50,000 Health and Wellness Centres which will bring health care closer to the homes of the people. These centres will provide Comprehensive Primary Health Care (CPHC), covering both maternal and child health services and non-communicable diseases, including free essential drugs and diagnostic services. The first Health and Wellness Centre was launched by the Hon’ble Prime Minister at Jangla, Bijapur, Chhatisgarh on 14 April 2018.
- The second component is the Pradhan Mantri Jan Arogya Yojana (PM-JAY) which provides health protection cover to poor and vulnerable families.
Key Features of PM-JAY
- Provides hospitalisation cover of up to Rs. 5,00,000 per entitled family per year
- More than 10.74 crore poor and vulnerable families (approximately 50 crore beneficiaries) covered across the country.
- Entitlement based scheme. No formal enrollment process is required.
- Poor, deprived rural families and identified occupational category of urban workers’ families as per the latest Socio-Economic Caste Census (SECC) 2011 data, both rural and urban will be covered. In addition, all 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.
- No cap on family size and age of members.All members of designated families get coverage; specifically, girl child and senior citizens.
- Covers secondary and tertiary care hospitalization.
- Free treatment available at all public and empanelled private hospitals.
- Cashless and paperless access to quality health care services.
- Benefits of national portability. Eligible beneficiaries can avail services across India.
- 1,350 medical packages covering surgery, medical and day care treatments, cost of medicines and diagnostics.
- All pre-existing diseases covered.
- To check eligibility, beneficiaries can contact the helpline (14555/1800111565),visit nearest Common Service Centres (CSC)or logon to https://mera.pmjay.gov.in.This can also be checked at empanelled hospitals.
There is no such eligibility except your name should be in SECC 2011 list, which you can check from below link.
If your name is not there you will not became beneficiary for the scheme.
Pradhan Mantri Mudra Yojana (PMMY)
Pradhan Mantri Mudra Yojana (PMMY) its Details, Benefits, Eligibility & How to Apply this is what I am going to explain you in simple language.
Pradhan Mantri Narendra Modi ji started the mudra scheme to support financially small entrepreneurs by giving loans on reasonable or minimum interest rates.
MUDRA, Full form “Micro units Development and Refinance Agency Ltd.” is setup by the government of India.
Under this scheme loans upto 10 lakhs are provided. Loans has been classified in three categories majorly:
Shishu
Loan up to ₹50,000 (For Shishu loans, normally 7 to 10 days is the turn around time for processing the loan proposals on receipt of complete information.)
Kishore
Loan ranging from ₹50,000 to ₹5 lakh
Tarun
Loan above ₹5 lakh and below ₹10 lakh
Generally, loans upto 10 lakh issued by banks under Micro Small Enterprises is given without collaterals.
Mudra loan is extended for a variety of purposes which provide income generation and employment creation. The loans are extended mainly for :
1. Business loan for Vendors, Traders, Shopkeepers and other Service Sector activities.
2. Working capital loan through MUDRA Cards.
3. Equipment Finance for Micro Units.
4. Transport Vehicle loans.
2. Working capital loan through MUDRA Cards.
3. Equipment Finance for Micro Units.
4. Transport Vehicle loans.
Following is list of the activities that can be covered under MUDRA loans:
1. Transport Vehicle
Purchase of transport vehicles for goods and personal transport such as auto rickshaw, small goods transport vehicle, 3 wheelers, e-rickshaw, passenger cars, taxis, etc.
2. Community, Social & Personal Service Activities
Saloons, beauty parlours, gymnasium, boutiques, tailoring shops, dry cleaning, cycle and motorcycle repair shop, DTP and Photocopying Facilities, Medicine Shops, Courier Agents, etc.
3. Food Products Sector
Activities such as papad making, achaar making, jam / jelly making, agricultural produce preservation at rural level, sweet shops, small service food stalls and day to day catering / canteen services, cold chain vehicles, cold storages, ice making units, ice cream making units, biscuit, bread and bun making, etc.
4. Textile Products Sector / Activity
Handloom, powerloom, khadi activity, chikan work, zari and zardozi work, traditional embroidery and hand work, traditional dyeing and printing, apparel design, knitting, cotton ginning, computerized embroidery, stitching and other textile non garment products such as bags, vehicle accessories, furnishing accessories, etc.
5. Business loans for Traders and Shopkeepers
Financial support for on lending to individuals for running their shops / trading & business activities / service enterprises and non-farm income generating activities with beneficiary loan size of upto 10 lakh per enterprise / borrower.
6. Equipment Finance Scheme for Micro Units
Setting up micro enterprises by purchasing necessary machinery / equipments with per beneficiary loan size of upto 10 lakh.
Mudra Card
Mudra card is a facility provided which issues debit card against the loan which you have taken and is very helpful with respect to that you don’t have to go again and again in front of bank manager to get the instalment of the loan. Just use it like a debit card. It ensures to track the record of the loan you have taken.
It is incorporated with Rupay (Provided by NPCI – National Payments Corporation Limited) to do the transactions for any purchase or use as ATM card or use on POS (Point of sales) machines or as overdraft credit cards.
All Documents Required for Mudra Loan
Link to answer most of the questions(FAQ) related to mudra yojana
All Application Forms related to Mudra loan
Features of Mudra Loan Scheme
Toll Free Number
1800 180 1111
1800 11 0001
Personal Loan through BankBazaar(It’s not MUDRA Loan)
1800 180 1111
1800 11 0001
Interest rates
Loans under the MUDRA Scheme are offered with nominal interest rates. While it may vary from bank to bank, it is always monitored by MUDRA Limited
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