Schemes for Inclusive Growth in India

Government has started several initiatives to make the growth of Indian economy as an inclusive growth. The given topic is very important for IAS Exam and the IAS aspirants must prepare all the aspects of inclusive growth in India that can be asked in the IAS Exam.

Apr 3, 2018, 17:53 IST
Schemes for Inclusive Growth in India
Schemes for Inclusive Growth in India

The IAS aspirants must prepare government schemes and programmes which have been implemented for the benefit of the masses. Every year, based on such schemes and programs, questions asked in IAS Prelims as well as IAS Mains Exam.

Here, we have provided a list of welfare schemes and programmes as a part of propagating inclusive growth in the country. Such topics have been notified on the PIB which is considered as one of the most reliable sources for current affairs preparation for IAS Exam.


Janani Suraksha Yojana (JSY)

Janani Suraksha Yojana (JSY) of the Ministry of Health and Family Welfare (MoHFW) is one of the initial schemes in which Direct Benefit Transfer (DBT) was rolled-out in 2013 originally in 43 districts. Since then, the DBT mode of payment under JSY has been expanded in all the districts across the country.  
In addition to JSY, other schemes of DoHFW which involve cash transfers to beneficiaries/individuals have been identified for DBT payments which include:

• ASHA incentives

• Payment of compensation to contractual staff under NHM

• Family Planning compensation schemes

• Nikshay scheme under the RNTCP

To ensure Aadhaar based transfers to beneficiaries/individuals, the Ministry has issued notifications to utilize Aadhaar under Section-7 of “The Aadhaar Act, 2016” under the cash schemes namely Janani Suraksha Yojana (10.2.17), payment of ASHA incentives (3.3.17), payment to contractual staff under NHM (3.3.17), Nikshay component of TB programme (16.6.17) and Family Planning Compensation Schemes (27.6.17) and the same have been communicated to the States/UTs for compliance.

During 2016-17, Rs. 557.68 crores to JSY beneficiaries, Rs. 914.88 crores to ASHAs and Rs. 80.93 Crores to beneficiaries of Family Planning compensation schemes were paid through DBT mode utilizing the PFMS.


• Announced in Budget 2017-18

• Aims to bring 1 Crore households out of poverty

• To make 50,000 Gram Panchayats poverty free by 2019 (150th birth Anniversary of Mahatma Gandhi)

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JAN DHAN (Finance)

Pradhan Mantri Jan Dhan Yojana (PMJDY)

• Launched by the Prime Minister on 28 August 2014 for financial inclusion.

• 60% bank accounts opened in rural areas (As on 26.04.17)

• 28.44 crore Jan Dhan accounts opened (As on 26.04.2017)

• The total balance in Jan Dhan accounts = Rs. 64,567 crores

• Over 22 Crore Rupay Cards issued (As on 26.04.2017)

• The share of zero-balance Jan Dhan accounts dropped to 24% in December 2016 from 73% in December 2014.

• Over 1.25 lakh bank-mitras appointed by banks

• 2.5 lakh Gram-Dak-Sewaks will function as banking correspondents


Pradhan Mantri Suraksha BimaYojana (PMSBY)

• Launched by the Prime Minister on 9th May 2015 in Kolkata

• Covers accidental death risks

• Around 10 crore people (as for 12th April 2017) enrolled under Pradhan Mantri Suraksha Bima Yojana (PMSBY)

• Accident insurance worth Rs. 2 lakhs at just Rs. 12 per annum

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

• Launched by the Prime Minister on 9th May 2015 in Kolkata

• 3.10 crore persons (as on 12th April 2017) enrolled under PMJJBY.

• Life insurance worth Rs. 2 lakhs at just Rs. 330 per annum

Atal Pension Yojana (APY)

• Launched by the Prime Minister on 9th May 2015 in Kolkata

• Focus on the unorganized sector

• Government contribution- 50 percent of beneficiaries’ premium (up to Rs. 1000) for 5 years in new accounts opened before December 31, 2015.

• As on 21st March 2017, a total of 46.80 lakh subscribers have been enrolled under APY with a total pension wealth of Rs. 1713.214 crores.


• Rs.1.79 Lakh Crores have been disbursed under DBT directly into the bank accounts of the beneficiaries. (as on 28.04.2017)

• Savings due to DBT by the elimination of ghost beneficiaries and middlemen worth Rs. 49,560 Crore over the last three years.

• 33 crore people receive various subsidies directly into their bank accounts through DBT.

• 138 Schemes in 27 Ministries/Departments Covered under DBT at present compared to only 34 in March 2015

• Target is to bring 533 Central payment schemes under DBT by March 31, 2018


Pratyaksh Hanstantrit Labh: Direct Benefit Transfer for LPG consumer (DBTL) scheme

• Launched in 54 districts on 15.11.2014 and expanded to 622 more districts from 1 January 2015.

• Direct transfer of subsidy to bank accounts of LPG consumers

• About 18.96 crore people benefitted till date

• World’s largest cash transfer program

• Rs. Rs. 57,463 crore transferred so far as subsidy directly into accounts

• Subsidy savings of Rs. 29,446 crores from 2014-17

Most Important Government Policies for IAS Exam

FOOD SECURITY FOR POOR (Food & Public Distribution)

• National Food Security Act, NFSA extended all over the country

• 80.50 crore persons now get wheat at Rs. 2/ kg and rice at Rs. 3/ kg.

• NFSA launched in 2013 was being implemented only in 11 states in May 2014.

UJJWALA (Petroleum)

Pradhan Mantri Ujjwala Yojana

• Scheme for Providing Free LPG connections to Women from BPL Households launched by PM in Ballia, Uttar Pradesh on 1.5.2016

• To ensure universal cooking gas coverage, empower and protect women’s health, reduce cooking time

• To create jobs for rural youth in the supply chain.

• 2.07 crore LPG connection provided to BPL Households (As on 5th April)

• Scheme spread all over the country, now in 694 districts

• Target is to provide five core LPG connections in three years during 2016-19).

• Rs.8000 crores earmarked

• 24X7 Helpline for LPG Consumers:  Dial 1906

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•  Over Rs 3 lakh Cr spent in rural areas every year for rural poor


• Maximum budget allocation 48,000 crore (highest budget in 2017-18)

• Expenditure including State share in FY 2016-17 is 58,532 crores which are the highest since inception.

• Women participation rose to 56% in FY 2016-17, highest ever participation of women since the inception of the program

• Against the target of 5 lakh ponds, now 10 lakh farm ponds completed by September 2017

• Over 96% wages of MGNREGA labourers being paid through DBT and 85% of the wages are being paid to the workers on time.

• Geo-MGNREGA implemented in FY 2016-17 more than 2 crore assets geo-tagged and made available in the public domain

•  The shift in focus from fruitless labour to the creation of sustainable assets will make sure not just the labourers, but also the people in these areas benefit


•  Indian Postal Payment Bank to take the banking system to the doorstep of the poor and the unbanked

•  Over 2.5 lakh Gram DakSewaks can work as Banking Correspondents

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• A three-fold increase in allocations for PMEGS & Credit facilities


•  Higher revenues to Government from Income Declaration Scheme 2016 (Unearthed Rs. 65,250 crore) and Pradhan Mantri Garib Kalyan Yojana to raise resources to spend on the poor.


Workers get their due

• Minimum wages have been increased by 42% in both agricultural and non-agricultural sectors This will directly benefit an additional 55 lakh workers.

• 7th Pay Commission: Benefited 50 lakh employees and 35 lakh pensioners.

• Payment of Bonus (Amendment) Act, 2015, enhances the eligibility limit for payment of bonus from Rs. 10,000 per month to Rs. 21,000 per month

• Shram Suvidha portal: unique labour identification number allocated, online registration of establishments.

• Unique Labour Identification number allocated to give permanent identity to labourers. EPFO issued 6.57 crores UAN out of which 2.5 crore have been activated through mobile phones.

• Amendments to Labour laws to exempt certain industries from returns, labour registration, inspection etc.

• Amendment in Factories Act, 1948 to allow for: night shift for women, increased hours of overtime

• Apprentices Act, 1961 modified to ensure more apprentices. Stipend linked to minimum wages.

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Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY)

• Scheme launched on 25th July 2015

• 100% Rural Electrification with reliable, adequate & quality electricity supply and also to provide access to electricity to villages/habitations & households

• Budget 2017-18 allocation increased by 44% from Rs. 3,350 crores to Rs 4,814 crores.

• 14,786 out of 18,452 un-electrified villages electrified as on 02.11.17

• GARV II App launched for real-time and transparent tracking of the progress in rural household electrification

IAS Exam 2018 | Exam Pattern| Preparation | Syllabus | Study Material

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