Pradhan Mantri Adarsh Gram Yojana 2020: Pradhan Mantri Adarsh Gram Yojana (PMAGY) is a rural development program initiated by the Central government of India.

The year of launching 2009–10 for the development of villages having a more than 50% of people of scheduled caste through the convergence of central and state schemes and allocating financial funding for per village.

Pradhan Mantri Adarsh Gram Yojana 2020

The objective of Pradhan Mantri Adarsh Gram Yojana:

A developed village is one which has sufficient physical and governmental facilities like hospitals, government banks, in which almost every need of all parts of the society are totally met.

A village which is in progress and active phase. All villages should be covered with all the facilities necessary for better living, making an atmosphere in which all its residents are enabled to utilize their potential to the fullest.

SubScheme under Pradhan Mantri Adarsh Gram Yojana:

• Bharat Nirman mainly focuses on irrigation field.
• Pradhan Mantri Gram Sadak Yojana (PMGSY) for village side roads, water supply, housing, electrification.
• Sarva Shiksha Abhiyan mainly for the rural village quality education development.
• Integrated Child Development Services mainly focused on village side poor children education. Giving them a sports facility.

Infrastructure facilities under Pradhan Mantri Adarsh Gram Yojana scheme:

• All villagers should get a house for living.
• Availability of banking facilities
• The village must have a communication facility.
• Villages have electricity facility and also the village is connected to the main highways.
• Drinking facility infrastructure.

The social facility, Human Development under PMAGY:

• Villages must have a school with libraries facility and also laboratories for science and experiment department.
• The village should have an adequate health center, panchayat, and community hall. The village should have an adequate facility for sports and other physical activities.
• The village should have an active Gram Panchayat, women’s Self-help Group, youth club, and Mahila Mandal.
• Villagers should be aware of their social and legal rights. And aware of and their fundamental and civic duties.
• The village with an institution should take special care of women, children (especially girls), senior citizens, and persons with disabilities.

Source of income facility under PMAGY:

• All grown person of the village should have employment likelihood facility.
• There should be very well arrangements for the improvement of skills among them so that they get extra skilled which increase their curricular work tendency.
• Villagers should have agriculture knowledge and also aware of new trends in agriculture facility.

Targeted areas under Pradhan Mantri Adarsh Gram Yojana:

The scheme was launched for the development of almost 1145 villages in 5 States viz. Himachal Pradesh, Bihar, Rajasthan, Tamil Nadu, and Assam and further extended in 2015-16 to another 1600 villages in Assam, Uttar Pradesh, Madhya Pradesh, Karnataka, Punjab, Odisha, Jharkhand, Chhattisgarh, Andhra Pradesh.

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Conclusion:

Pradhan Mantri Adarsh Gram Yojana vision is in making every village at a developed stage by giving them each and every basic facility for their better health, education. PMAGY is in making India towards a developed nation. (Pradhan Mantri Adarsh Gram Yojana 2020)

Pooled Finance Development Fund Scheme 2020: The Pooled Finance Development Fund Scheme (PFDF) has been started by the Central Government of India. The scheme approved in 2006.

This scheme is to give credit increment to Urban Local Bodies (ULB) to access market borrowings based on their creditworthiness. This all comes to under the state-level pooled system.

Pooled Finance Development Fund Scheme 2020

The main reason for implementing this scheme:

The growth rates in India are returned in each year are largely driven by the growth in the urban areas and cities. But the rural sector of India has limited strength as it largely depends on agriculture.

The poverty-stricken administration in these local bodies gets difficulties in financing infrastructure projects. They can not increase resources from the financial institutions for investment in infrastructural projects.

Thus the government realized to provide direct access to for such cities. So that to provide all the resources available and also making them independent government started The Pooled Finance Development Fund Scheme.

Who are applicable for PFDF?

The Pooled Finance Development Fund Scheme is applicable to all urban local bodies which nothing but towns, cities, metropolitan areas.

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Main Objectives of Pooled Finance Development Fund Scheme:

• Everyone under ULB achieves self-sustainability.
• Decentralization nothing but the transfer of authority from central to the local government for economic growth and power.
• Enhancing the infrastructural facility.
• Creating long-lasting benefits for the ULBs
• Promoting various schemes based on financial enhancements projects.

State Pooled finance Entity (SPFE):
In order to achieve very well implementation of the Pooled Finance Development Scheme (PFDF), a State Pooled Finance Entity (SPFE) has to be formed in all states. The accounts of Credit Rating Enhancement Fund are properly arranged by the State Pooled Finance Entity.

Pooled Finance Development Fund Scheme funds distribution in percentage:

Out of 100%, 5% of funds for PFDF will proceed for project development. while the remaining 95% should be used for Credit Rating Enhancement Fund (CREF) to increase the ratings of municipal bonds.

Credit Rating Enhancement Funds are invested in the various financial project. It is also important to note that the Pooled Finance Development Fund Scheme is completely tax-free, they never acquire any tax payable under the bonds sign by them.

The main goal of state pooled finance entities:

• Increase the growth and also the development of the various project of urban infrastructure.
• Plan the required resources by allowing bonds for the investment of various projects.
• Pick the desired project under various analytics.
• Sign in various bonds for enhancement of local bodies.

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Conclusion:

PFDF will give the availability of resources to urban local bodies in order to enhance urban infrastructure. The service delivery and at last to achieve the goal of self-sustainability.

Ongoing programs of both the Central and State Governments are not that much effective hence PFDF is one more contribute the requirement for them.

PFDF is one more effort to avoid this gap through which cities will be able to access market funds for their infrastructure projects. (Pooled Finance Development Fund Scheme 2020)

National Service Scheme 2020: The National Service Scheme (NSS) Widely known as NSS is an Indian government public service program guided by the Indian Ministry of Youth Affairs and also sports of the Government of India.

The reason for introducing the National Service Scheme (NSS):

NSS program is particularly introduced for the youth in order to get them socially aware, also build discipline in them. Mainly to make ready them to contribute their share for the welfare of mankind.

National Service Scheme 2020

Ideogram of NSS:

The Ideogram for the NSS based on the giant Rath Wheel of the world-famous Konark Sun Temple. The main mesmerizing art which I just want to share with you is that the wheel painted the cycle of creation, preservation, and release. The 24 hours of a day represented by the eight bars in the wheel. The blood red color indicates that the youth is full of blood that is lively, active, energetic and full of high spirit.

Main Target of National Service scheme:

NSS has its own motto words “NOT ME BUT YOU”, captures the essence of democratic living and upholds the need for selfless service. Also, the scheme focussing on being every youth is self-disciplined, self-centered. Develop a capacity to meet emergencies and natural disasters.

Various camping programs are taken by NSS:

1. National Integration camp
2. Blood donation
3. Tree planting campaign and also awareness
4. Newly introduced disaster planning and helping motive
5. Adventurous program

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Advantages of being an NSS member:

Being an NSS member there are lots of advantages in which some important you get a badge of NSS. Also, another one is that the society in which you live you get a good position and also people see a great leader in you.

Enrolment in NSS:

This scheme is applicable to any student who is in 11th and further next all students. The students from foreign countries share the experiences of national reconstruction and community work for India by joining NSS.

Financial Arrangements:

To organize Regular Activities (RA) and special Camping Programmes (SCPs), this scheme is now a central sector scheme. An amount of Rs.250/-per volunteer per annum is released towards Regular Activities (RAs) and Rs.450/- per volunteer per Special Camping Programme (SCP) which is of 7-days duration to be organized in the adopted villages/urban slums.

Awards in NSS:

National Service Scheme provides suitable incentives/ awards under the scheme.

NSS Republic Day Parade Camp:

The NSS Republic Day Parade Camp is held on 1st and 31st January of every year. This parade includes 200 volunteers who are very well disciplined as well as other social activities.

From the 200 volunteers, the best are selected for the next parade which is held on the 26th of January.

Conclusion:

National Service Scheme motto is really inspiring for youth and also encourage them to contribute to the nation. They are making youth to work as a team member. And, also different awards keep healthy competition between youth. (National Service Scheme 2020)

National Pension Scheme 2020 – On 23 August 2003, the Interim Pension Fund Regulatory & Development Authority (PFRDA) was established the national pension scheme or also called the national pension system.

Main Agenda behind national pension scheme:

National Pension Scheme 2020

Pension scheme gives financial security and solidity during old age when people don’t have a source of income. Retirement plan tells that people live with satisfaction and without compromising on their standard of living after retirement years.

Who can get the national pension scheme (NPS):

NPS is applicable to all employees of Central Government service, except military and Central Autonomous Bodies joining Government service on or after 1st January 2004.

Any other government employee who is not under NPS can also sign in to NPS under “All Citizen Model” from a Point of Presence – Service Provider (POP-SP) Website

Advantage of national pension scheme:

1. It is a cost-effective system where the pension is directly transferred directly into the National Pension Scheme.
2. The form filling process is also very simple and anybody can easily fill it.
3. It is portable in such a way that each employee gets a unique PRAN no. (Permanent Retirement Account Number)

Charges:

• The charges are standard as per the authority sanctioned.
• Opening charges: Rs 50
• Annual maintenance charge per account: Rs190
• Transaction charges: Rs4

How the National pension scheme works:

The funds are locked in till you are 60 years and on retirement, then you are ready to a lump sum payment, with at least 40% used to buy annuities that will earn a monthly pension. The only freedom is that an individual can withdraw 25% of the contribution before he or she turns 60.

Which fund manager you can select?

You can choose your fund manager for investment from a list of seven – UTI, LIC, SBI, IDFC, ICICI Prudential, Kotak Mahindra and Reliance Capital. Annual portability is allowed free of cost. You can choose between equity and pure debt.

Calculation of National pension scheme?

The Net Promoter Score is finding out by the difference between the percentage of Promoters and Detractors. The NPS is not expressed as a percent value but as an absolute number lying between -100 and +100.

Is Investment in NPS is better?

NPS also gives for additional tax benefit of Rs 50,000 under Section 80CCD(1B). However, investors can withdraw from NPS only after the retirement at 60. This may we called as long-term benefits for betterment during the old age.

Conclusion:


National Pension scheme is introduced for the betterment of the government employee who gives their unexceptional contribution to the nation.

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This scheme also tells how government body takes care of their employee even after retirement also in order to maintain their standard of living high. This scheme returns increases as their allocated tier and also as per increase in the years.

National Literacy Mission Programme 2020: The was launched on 8 September 2009 by prime minister DR.Manmohan Singh. National literacy mission programme also called a national education mission. It is actually a centrally sponsored scheme.

Goals behind launching the national literacy mission programme:

The main goal of this mission is to achieve full literacy, it Specially focused on the age group of 15 – 20 because they are the major creator of the future. Also, the mission is focusing on the literacy of every woman.

National Literacy Mission Programme 2020

Financial structure:

• National literacy mission programme was allocated a budget of ₹385.72 billion in 2019 Interim Union Budget of India.
• The sub-main schemes under National literacy mission programme:
• Sakshar Bharat: Learning programmes for non-literate and neo-literate of 15 years and above.
• Sarva Shiksha Abhiyan: Providing free and compulsory education to children between the ages of 6 to 14.
• Rashtriya Madhyamik Shiksha: The main agenda of this scheme is to provide universal education for all children between 15–16 years of age.
• Teacher training programs: It is specially launched for the teacher in order to provide quality and digital education.

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National literacy mission power authority:

Adult Education is a Concurrent Subject with both Central and State Governments being required to contribute to its promotion and strengthening.

Planning for children with special needs:

New methods are developed for children with special needs, giving them as much as practical education.

Quality improvement under National literacy mission programme scheme :

In school, there was an increase of the science laboratories, environmental education, as well as centrally sponsored schemes of population education project, international mathematics and science olympiads classes are conducted in almost all the schools during weekends for enhancements in the knowledge. Site: http://www.nlm.nic.in/

Special education for disabled children (SEDC):

comprehensive education has been given to bring an increase in terms of catering to the needs of the mentally and physically harmed children. This scheme continues to be a separate centrally sponsored scheme.

Funding method:

Ministry of human resource development gives funds to the state government which directly gives to the educational institution under their need and development.

Information communication technologies:

Information communication technologies nothing but IT field which provides computer-based knowledge also the digital knowledge Also, tell the management about internet-based education to compete with the world.

Conclusion:

National literacy mission programme is slow at the beginning but due to the excellent management and their skill. People attracted to this scheme and get more aware of education. The literacy rate of India is increasing drastically from the time it is applied and now it at 74.04 % and also increasing very well which is making India towards a developed stage. (National Literacy Mission Programme 2020)