In 2024, the Indian government reflected its commitment to inclusive growth and social welfare through a wide array of schemes. These initiatives aim to uplift citizens and address socio-economic challenges across various sectors, including education, healthcare, financial inclusion, and overall well-being. Funding for these schemes is a collaborative effort between the central and state governments, ensuring broad reach and significant impact.
Focus Areas and Key Initiatives
The government's schemes in 2024 span multiple crucial areas:
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Financial Inclusion:
Pradhan Mantri Jan Dhan Yojana (PMJDY): This is still a cornerstone of promoting financial inclusion through the availability of banking services to all citizens.
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Agriculture and Farmer Welfare:
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN): It provides ₹6,000 per year to small and marginal farmers for their financial support.
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Healthcare:
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY): Provides health insurance coverage of up to ₹5 lakh per family per year, targeting vulnerable families who lack access to quality healthcare. Launched in 2018, this scheme covers both primary and secondary healthcare services.
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Housing:
Pradhan Mantri Awas Yojana (PMAY): Provides affordable housing to citizens. The government plans to build three crore more houses under this Yojana in rural and urban areas. The PM Awas Yojana Urban 2.0 addresses the housing needs of 1 crore urban middle-class and poor families with an investment of Rs. 10 lakh crore. This includes central assistance of Rs 2.2 lakh crore in the next 5 years.
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Skill Development and Employment:
New Skilling Programme: Seeks to skill 20 lakh youth in five years by upgrading 1,000 Industrial Training Institutes (ITIs) in partnership with industries and through curriculum alignment with industry requirements.
Comprehensive Internship Opportunities Scheme: Offers internships to 1 crore youth in five years in the top 500 companies with an internship allowance of Rs.5,000 per month and one-time support of Rs.6,000.
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Tribal Development:
Pradhan Mantri Janjatiya Unnat Gram Abhiyan: Aims to improve the socio-economic conditions of tribal communities, covering 63,000 villages and benefiting 5 crore tribal people.
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Support for MSMEs:
Credit Guarantee Scheme for MSMEs: Facilitates term loans to MSMEs without collateral, providing a guarantee cover of up to Rs.100 crore per applicant.
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Water Conservation:
Jal Jeevan Yojana: Aims to connect four crore rural families to the public water system.
Jal Shakti Abhiyan: Launched a new programme under the name 'Catch the Rain' for proper protection and conservation of water.
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Poor beneficiaries:
Livelihood and enterprise support for marginalized individuals (SMILE) scheme: It provides medical facilities, counseling, skill development, and economic linkage for the betterment of marginalized people.
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New Initiatives and Emphasis Continues
The government launched new initiatives with renewed focus and continuing focus on the following schemes
PM Vishwakarma: Launched on September 17, 2024, this scheme is for artisans and craftspeople who work with their hands and tools.
NPS Vatsalya: A plan for contributions by parents and guardians for minors, which can be converted into a normal NPS account when the minor attains the age of majority.
PM Awas Yojana Urban 2.0: This scheme addresses the housing needs of 1 crore urban middle-class and poor families with a significant investment.
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Sector-Specific Schemes
The government has been implementing various schemes through different ministries that target particular sectors. A few of these include:
Health & Family Welfare Ministry: Pradhan Mantri Swasthya Suraksha Nidhi, Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana, National Digital Health Mission, and Intensified Mission Indradhanush 3.0.
Ministry of Education: The schemes that it undertakes are STARS Project, Institutions of Eminence Scheme, Mid-May Meal, Swach Vidyalaya Abhiyan, Kala Utsav, Shikshav Parv Initiative, Scheme for Promotion of Academic and Research Collaboration (SPARC), and Higher Education Financing Agency (HEFA).
- Ministry of Women and Child Development:
Schemes such as Pradhan Mantri Matru Vandana Yojna and Poshan Abhiyan.
Additional Schemes
- Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
- Pradhan Mantri Suraksha Bima Yojana (PMSBY)
- Beti Bachao, Beti Padhao Yojana
- Digital India Programme
- Swachh Bharat Abhiyan
- Make in India Programme
This comprehensive set of schemes underscores the Indian government's commitment to fostering inclusive growth, improving the quality of life for its citizens, and addressing the diverse needs of its population
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