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

1. 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.
2. 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.

PM-JAY website

Login and Search Your Name Eligibility in Scheme

Search Empanelled Hospital

Information handbook

Tweets by AyushmanNHA

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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.

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.

Mudra Official Website

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

Success Stories

Features of Mudra Loan Scheme

Helpline Email

Toll Free Number
1800 180 1111
1800 11 0001

Personal Loan through BankBazaar(It’s not MUDRA Loan)

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

How to Apply

1. Go to your near bank branch\financial institutions
2. Present your business idea along with filled application form(Along with KYC documents)
3. Complete all formalities as per required by bank
4. After completion loan will be sanctioned.

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UJALA scheme

 UJALA scheme

What is the UJALA scheme this is what we are going to explain you in details.

Unnat Jivan by Affordable LEDs and Appliances for All (UJALA) scheme aims to promote efficient use of energy at the residential level; enhance the awareness of consumers about the efficacy of using energy efficient appliances and aggregating demand to reduce the high initial costs thus facilitating higher uptake of LED lights by residential users.

A simple act of change of one light bulb to LED. The initiative is part of the GOI efforts to spread the message of energy efficiency in the country which is very beneficial to reduce global warming effects and fulfils the promise of Green energy up to some extent as reducing the usage of electricity.

It may be noted that the scheme was initially labelled DELP (Domestic Efficient Lighting Program) and was relaunched as UJALA.

Every domestic household having metered connection is eligible for this scheme. The consumer can purchase the LED on EMI payment (monthly/bimonthly instalments in electricity bill) or on upfront payment by paying the full amount.

Documents Required
1. Taking Bulbs on EMI – Copy of latest electricity bill and copy of Government authorized ID proof
2. Purchasing directly without EMI – Copy of Government authorized ID proof.

From where to purchase
UJALA LED bulbs are being distributed through special counters (kiosks) set up at designated places in a city.
You can check the list of Kiosk centres in your city by directly going to the site below, you can check my video in which I have shown how to check Kiosk centre in your city

Main Website : http://www.ujala.gov.in

LED bulbs provided by the government is around 60% cheaper than normal LED bulbs if you purchase from normal market.

Priced between INR 75- INR 95 per LED bulb however it may vary from state to state due to VAT, administrative costs, awareness and distribution costs.

Warranty
LED bulbs provided are coming with three years replacement warranty.

Register Complain
Use Twitter handle @EESL_India
Email Address: info@eesl.co.in
Use below form
http://www.ujala.gov.in/forms/consumer-feedback.aspx

                                    Article by : Team Namo Brigade Shahabad

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Pradhan Mantri Ujjwala Yojana (PMUY)

Pradhan Mantri Ujjwala Yojana (PMUY) – Complete Details

Pradhan Mantri Ujjwala Yojana (PMUY), this is what we are going to explain  with complete details and step by step procedure to apply.

Pradhan Mantri Ujjwala Yojana (PMUY) is a scheme which was started by our very own prime minister narendra modi ji. Under this scheme people living below poverty line can get LPG connections easily and on very minimal charges.

The aim is to replace the old fashion way of cooking food by burning coal or wood, which not only is very hazardous to health but also creates pollution.

The main objectives of this scheme is to empower our country’s women living below poverty line, reducing health issues due to using coal or wood for burning, reducing number of deaths due to unclean cooking and preventing young children from health issue like respiratory problems etc.

Eligibility criteria for this scheme is that applicant are:

1. Applicant should be a women and her name should appear in SECC-2011 data
2. Applicant should be more than 18 years
3. Applicant should be living in below poverty line (BPL)
4. Applicant must have Aadhaar card and a saving account in any nationalized bank
5. Last applicant should not have any LPG connection running in his family.

To check and download SECC-2011 data also you can get secc list from other sources.

Download application form link(Updated-Official Link)

Mandatory documents to be submitted with the application form

1. BPL certificate
2. BPL ration card
3. One photo ID(Aadhar or Voter ID card)
4. One recent passport size photograph

scheme also provides a financial support of Rs. 1600 for each LPG connection to the eligible BPL households.
The government will also provide EMI facility for meeting the cost of stove and refill.

For three years the scheme will run from 2016-2019

Toll Free Number:
1800 266 6696

Details of the scheme can be find out in the below official link(Updated-Official Link)
http://www.pmujjwalayojana.com/

                                 Article : Team Namo Brigade Shahabad

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Pradhan Mantri Awas Yojana (PMAY) – Complete Details

Pradhan Mantri Awas Yojana (PMAY) – Complete Details

Today we are going to explain you about Pradhan Mantri Awas Yojana (PMAY) its Details, How to Apply, how to get subsidy its Benefits and its complete details in easy language.

Every person in the world needs a house so that he can settle with his family and enjoy the rest of life.

A house is like a security for every individual. After doing hard work all day everybody want to relax in his home. A house is like a dream come true for every individual if they can afford it however many people in our country cannot afford it.

As property rates are raising day by day affordability for common man to own a house is not improving but is gone to decreasing day by day.

Government of India has took a major step in this area so that people who cannot afford houses will be benefitted with the scheme known as Pradhan Mantri Awas Yojana(PMAY).

Last June on 25th in year 2015, the scheme was launched. The primary aim of this scheme is to build around 2 crore houses across length and breadth of our country. Estimated completion year of the scheme is 2022.

This scheme is primarily meant for people living under lower income group(LIG) andeconomically weaker sections(EWS).

For Complete Details Click Here

 Now this scheme has been extended to middle class people as well. 

Main aim for the scheme is

1. In-situ Rehabilitation of existing slum dwellers using land as a resource through private participation
2. Credit Linked Subsidy
3. Affordable Housing in Partnership
4. Subsidy for Beneficiary-led individual house construction/enhancement.

The scheme is getting implemented under “Ministry of Housing and Urban Poverty Alleviation“

Official Website for PMAY-URBAN

Official Website for PMAY-GRAMIN

Subsidy Calculator

Edit Assessment Form

Check your application status

Toll Free number for any help

CLSS Toll-Free Helpline Numbers
NHB: 1800-11-3377, 1800-11-3388
HUDCO: 1800-11-6163

List of cities in the list

Frequently asked questions

Three Phases of Pradhan Mantri Awas Yojna(PMAY)

PMAY Phase 1: From April 2015 to March 2017, this phase will begin the development of total 100 cities that must be completed during this phase.

PMAY Phase 2: From April 2017 to March 2019, after Phase 1, the development of total number of 200 more cities will be covered.

PMAY Phase 3: From April 2019 to March 2022, All the remaining cities of India will complete its PMAY housing development process.

Subsidy range anywhere between INR 1 lakh and INR 2.30 lakh to LIG and EWS section of urban population. However you can check the complete list also.

                                                      Article By : Team Namo Brigade Shahabad

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Pradhan Mantri Fasal Bima Yojana (PMFBY) – Online Apply – {Complete Details}

Pradhan Mantri Fasal Bima Yojana Online Apply this is what I am going to explain you with all details and all the steps required to apply.

                  kissan call centre - 1800 180 1551

                                                    agri-insurance.gov.in

Pradhan Mantri Fasal Bima Yojana (PMFBY) is a flagship scheme from the government of India, It basically provides agriculture insurance or we can say crop insurance to the farmers.

Main objectives of Pradhan Mantri Fasal Bima Yojana

1. To provide insurance coverage and financial support to the farmers in the
   event of failure of any of the notified crop(As per state govt specified) as a result of natural calamities,
   pests & diseases.
2. To stabilize the income of farmers to ensure their continuance in farming.
3. To encourage farmers to adopt innovative and modern agricultural practices.
4. To ensure flow of credit to the agriculture sector.

The scheme will be implemented by the multi-agency framework by the selected insurance companies under the guidance of Department of Agriculture, Cooperation & Farmers Welfare (DAC&FW), Ministry of Agriculture & Farmers Welfare (MoA&FW), Government of India (GOI) and state governments.

Participating Private Insurers

• ICICI-Lombard General Insurance Company Ltd.
• HDFC-ERGO General Insurance Company Ltd.
• IFFCO-Tokio General Insurance Company Ltd.
• Cholamandalam MS General Insurance Company Ltd.
• Bajaj Allianz General Insurance Company Ltd.
• Reliance General Insurance Company Ltd.
• Future Generali India Insurance Company Ltd.
• Tata-AIG General Insurance Company Ltd.
• SBI General Insurance Company Ltd.
• Universal Sompo General Insurance Company Ltd.

Scheme shall be implemented on an ‘Area Approach basis’

All farmers growing notified crops in a notified area 4 during the season who have insurable interest in the crop are eligible.

1. Farmers in the notified area who possess a Crop Loan account/KCC account (called as Loanee Farmers) to whom credit limit is sanctioned/renewed for the notified crop during the crop season.
2. Voluntary coverage may be obtained by all farmers

YIELD LOSSES (standing crops, on notified area basis)

Comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, such as (i) Natural Fire and Lightning (ii) Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado etc. (iii) Flood, Inundation and Landslide (iv) Drought, Dry spells (v) Pests/ Diseases etc.

PREVENTED SOWING (on notified area basis)

In cases where majority of the insured farmers of a notified area, having intent to sow/plant and incurred expenditure for the purpose, are prevented from sowing/planting the insured crop due to adverse weather conditions, shall be eligible for indemnity claims upto a maximum of 25% of the sum-insured.

POST-HARVEST LOSSES (individual farm basis)

Coverage is available upto a maximum period of 14 days from harvesting for those crops which are kept in “cut & spread” condition to dry in the field after harvesting, against specific perils of cyclone / cyclonic rains, unseasonal rains throughout the country.

LOCALISED CALAMITIES (individual farm basis)

Loss / damage resulting from occurrence of identified localized risks i.e. hailstorm, landslide, and Inundation affecting isolated farms in the notified area.

EXCLUSIONS

Risks and Losses arising out of following perils shall be excluded:- War & kindred perils, nuclear risks, riots, malicious damage, theft, act of enmity, grazed and/or destroyed by domestic and/or wild animals, In case of Post–Harvest losses the harvested crop bundled and heaped at a place before threshing, other preventable risks.

Rate of Insurance Charges

Documents Required

1. Land record document (for the standing crop against which insurance is taken)
2. Photo ID proof
3. Bank passbook photocopy
4. Sowing certificate\Declaration

Crop Cutting Experiments(CCE)

Means the crop experiments that are undertaken for determining the percentage recovery in the form of dry grains or the marketable form of the produce. These experiments comprise of (i) identification and marking of experimental plots of a specified size and shape in a selected field on the principle of random sampling, (ii) threshing the produce and (iii) recording of the harvested produce.

Threshold Yield

Means per unit expected yield for a Crop cultivated on the Defined Area. It is calculated as. The claims under this policy will be estimated with the help of crop cutting experiment done in the insured area. Individual assessment will be done in the insured area for ascertaining loss at pre-sowing and post harvest stages.

Claim Documents Required

1. Duly completed claim form
2. Land records as per Government norms
3. Certificate from certifying agency nominated by Government or authorized by the Company
4. Other than Government subsidized scheme, two photographs of damaged or loss incurred area of insured
5. Crop which shows the loss under the policy

Claims Payout will be given as per below formula shown

Details to be Submitted Online

Pradhan Mantri Fasal Bima Yojana in Hindi Official Video

Note: If below links does not work I have already told in the video how to get the below information from thefirst link

All Documents Related to PMFBY

Crop-State Wise Notify List

Insurance Company Wise Crop List

How to Apply

1. Go to insurance companies (List mentioned above) or any nearby bank with the relevant documents.
2. Complete the form provided by the institution(Bank\Insurance Company).
3. Start paying your premium.

Advice 

1. Keep safe all the documents like receipt of seeds you purchased etc.
2. Photocopy of the form submitted in the bank
3. Photocopy of the sowing certificate or any relevant certificate.

Disclaimer: Above data has been taken from government website for informative and education purposes.

                                                          ARTICLE BY :- Namo Brigade Team Shahabad
                                                          Courtesy     :- Tech Bulu

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