Rural development has assumed global attention especially among the developing nations. It has great significance for a country like India where majority of the population, around 65% of the people, live in rural areas. Over the years, the Indian government has introduced several schemes that have not only helped indian citizens improve their financial situations, but have also contributed to the country’s economy. These schemes are not only good for different sections of society but for the whole country. Rural areas are separately settled places away from the influence of large cities and towns. Pradhan mantri schemes includes schemes for Agriculture and Farmer’s Welfare, Women and Child development, Employment, Skill development and Entrepreneurship, Education and Miscellaneous. Further in Agriculture and Farmer’s Welfare it includes major schemes like [Pradhan Mantri Fasal Bima Yojana (PMFBY), Pradhan Mantri Krishi Sinchai Yojana (PMKSY), Soil Health Card Scheme]. Beti Bachao, Beti Padhao Yojana, Pradhan Mantri Sukanya Samriddhi Yojana (PMSSY), Pradhan Mantri Ujjwala Yojana are major Women and Child Development Schemes

1. REVIEW OF DIFFERENT PRADHAN MANTRI(PM)
YOJANA FOR RURAL DEVELOPMENT
Anil Malik
Admission No: 2015A17D
Ph.D. (Extension Education)

2. Outline of the Presentation……..
• Introduction
• Pradhan Mantri Schemes Under Following Subheads:
 Agriculture and Farmer’s Welfare
 Women and Child development
 Employment, Skill development and Entrepreneurship
 Education
 Miscellaneous
• Conclusion
• References

3. Introduction
• Rural development has assumed global attention especially among the
developing nations.
• It has great significance for a country like India where majority of the
population, around 65% of the people, live in rural areas.
• The present strategy of rural development in India mainly focuses on
poverty alleviation, better livelihood opportunities, provision of basic
amenities and infrastructure facilities through innovative programmes
of wage and self-employment.
Cont.......

4. • Over the years, the Indian government has introduced several schemes
that have not only helped Indian citizens improve their financial
situations, but have also contributed to the country’s economy.
• These schemes are not only good for different sections of society but
for the whole country.
• To access the impact of these schemes first of all, we should know
about :
 Rural areas
 Rural Development

5. RURALAREA
• Rural areas are separately settled places away from the influence of large
cities and towns.
• Where the people are engaged in primary industry in the sense that they
produce things directly for the first time in cooperation with nature.

6. RURAL DEVELOPMENT
• It is the process of improving the quality of life and economic well-being of
people living in rural areas, often relatively isolated and sparsely populated
areas.
• “Rural Development is a process of change, by which the efforts of the
people themselves are united, those of government authorities to improve
their economic, social and cultural conditions of communities in to the life
of the nation and to enable them to contribute fully to national
programme.”
-The United Nation
Continue…….

7. DEVELOPMENT IN RURAL AREA CAN BRING
Education
physical
infrastructure
EntrepreneurshipHealth
Social Justice
-Source: Ministry of Rural development

8. PRADHAN MANTRI SCHEMES UNDER FOLLOWING
SUBHEADS:
 Agriculture and Farmer’s Welfare
 Women and Child development
 Employment, Skill development and Entrepreneurship
 Education
 Miscellaneous

9. Agriculture and Farmer’s Welfare Schemes
• Pradhan Mantri Fasal Bima Yojana (PMFBY)
• Pradhan Mantri Krishi Sinchai Yojana (PMKSY)
• Soil Health Card Scheme

10. Pradhan Mantri Fasal Bima Yojana (PMFBY)
• Launched: 18 February 2016 , Sherpur (Madhya Pardesh)
• Main Objective: Provide insurance cover to Rabi and Kharif crops and
financial support to farmers in case of damage of crops.
• Under the scheme, farmers will have to pay a uniform premium of
 Kharif crops- 2 per cent
 Rabi crops- 1.5 per cent
 Commercial crops-5 per cent
• This scheme will replace National Agriculture Insurance Scheme (NIAS) which
was started in 1999.
Cont.......

11. • Fund allocation for 2018-19 : Rs 130 billion
2017-18 :Rs 107.01 billion
- Source: Ministry of Agriculture and cooperation
• Sundar and Ramakrishnan (2018) conducted a study on farmers awareness,
perception and willing to join and pay for pradhan mantri fasal bima yojana”,
aims to assess the farmers perception and awareness towards crop insurance
scheme and concluded that, most of the farmers were not willing to pay for
crop insurance because of unstable income, low compensation, problems
with distribution channel and lack of financial knowledge.

12. Pradhan Mantri Krishi Sinchai Yojana (PMKSY)
• Launched: 01 July 2015
• Main Objective: Irrigating the field of every farmer and improving water use
efficiency to provide `Per Drop More Crop’.
• The government has approved Rs.50,000 crore for the implementation of
Pradhan Mantri Krishi Sinchai Yojana for next 5 years, i.e. up to 2020
-Source: Ministry of Agriculture and cooperation
• A ICRISAT report stated that PMKSY program will help India address the
issue of increasing food production, with the limited water resources
available, by adopting integrated water resource management framework. It
also addresses issues of equity of water access on one hand, while dealing
with food and nutritional security for the growing population on the other.
-(Research Report ICRISAT development Centre 2017)

13. • Launched: 17 February 2015, Suratgarh, Rajasthan
• Main Objective: To help farmers to improve productivity
from their farms by letting them know about nutrient/fertilizer
requirements for their farms.
• The soil health card studies and reviews the health of soil or
rather we can say a complete evaluation of the quality of soil
right from its functional characteristics, to water and nutrients
content and other biological properties.
• Sherawat et al. (2018) conducted a study on farmers
awareness towards soil health card(SHC) found that their was
awareness about SHC and more than 50% of the farmer were
aware that ‘SHC studies soil health(56.34%), helped to reduce
the input (53.57%) and give soil nutrient status (57.34%).
Soil Health Card Scheme

14. Women and Child Development Schemes
• Beti Bachao, Beti Padhao Yojana
• Pradhan Mantri Sukanya Samriddhi Yojana (PMSSY)
• Pradhan Mantri Ujjwala Yojana

15. Beti Bachao, Beti Padhao Yojana
• Launched: 22 January 2015, Panipat ( Haryana)
• Main Objective: To generate awareness and improving the efficiency of welfare
services meant for women.
• Olympics 2016 bronze medallist Sakshi Malik was made brand ambassador for BBBP.
• The scheme is to have as focussed intervention and multi-section action in almost 100
districts with low Child Sex Ratio (CSR).
• Official Website: http://wcd.nic.in

16. Pradhan Mantri Sukanya Samriddhi Yojana (PMSSY)
• Launched: 22 January 2015, Panipat (Haryana)
• Main Objective: Secure the future of girl child
• Sukanya Samriddhi Yojana is an ambitious small deposit savings scheme for a
girl child.
• Under the scheme, a saving account can be opened in the name of girl child and
deposits can be made for 14 years.
• After the girl reach 18 years of age, she can withdraw 50% of the amount for
marriage or higher study purposes.
-Source: Ministry of Women and Child development
• Deb (2017) made an attempt to examine the determinants of savings under the
Sukanya Samriddhi Account (SSA) and concluded that the pivotal catalysts
determining the decisions whether to invest in the SSA scheme were: gender,
age, level of income, family size and income, financial literacy, uncertainty of
income and planning for child’s education, marriage and house.

17. Pradhan Mantri Ujjwala Yojana
• Launched: 1 May 2016
• Main Objective: To distribute free LPG connections to the women
belonging to 5 Crore BPL families across the country.
• According the estimates, about 1.50 Crore BPL families will be benefited
under the scheme in the year 2016-17. The scheme will cover 3.5 Crore
more BPL families in the next two years. The scheme provides a financial
support of Rs 1600 for each LPG connection to the BPL households.
-Source: Ministry of Women and Child development

18. Employment, Skill development and
Entrepreneurship Schemes
• Pradhan Mantri Rojgar Protsahan Yojana (PMRPY)
• Pradahan Mantri Kaushal Vikas Yojana
• Pradhan Mantri Yuva Yojana

19. Pradhan Mantri Rojgar Protsahan Yojana
(PMRPY)
• Launched on : August, 2016
• Main Objective: To incentivise employers registered with the Employees'
Provident Fund Organisation (EPFO) for job creation by the Government
paying the 8.33% contribution of employers to the Employee Pension
Scheme (EPS) in respect of new employees having a new Universal
Account Number (UAN).
• The Scheme will be in operation for a period of 3 years and the
Government of India will continue to pay the 8.33% EPS contribution to be
made by the employer for the next 3 years.
- Source : Website of PMRPY

20. Pradahan Mantri Kaushal Vikas Yojana
• Launched on : 20 March 2015
• Main Objective: to encourage skill development for youth by providing
them a meaningful, industry relevant, skill based training.
• Provide an average monetary reward of Rs. 8,000/- per candidates to the
beneficiary who is undergoing skill training.
• PMKVY will provide training to about 24 lakh youth in one year at a cost
of Rs. 1,500 crore.
• Rashmi (2017) conducted a study on achievements of the PMKVY scheme
and found that ‘number of skill sector councils have been raised’, ‘Number
of job roles increased’ and ‘Number of people enrolled has also raised ’.
• Official Website: http://pmkvyofficial.org

21. Pradhan Mantri Yuva Yojana
• Launched on : 9 November 2016
• Main Objective: To scale up an ecosystem of entrepreneurship for
youngsters.
• The scheme will run for a period of five years from 2016-17 to
2020-2021.
• The scheme will offer education and training about entrepreneurship
to over 7 lakh students in 5 years through Massive Open Online
Courses (MOOCs).
• The project implementation cost would be Rs. 499.94 Crore.
• Official website: http://msde.gov.in

22. Education Schemes
• Pradhan Mantri Vidya Lakshmi(Online portal )
• Sarva Shiksha Abhiyan (SSA)

23. Pradhan Mantri Vidya Lakshmi(Online portal )
• Launched on: 15 August, 2015, “Vidya Lakshmi Portal Education Loan
Scheme” was launched by the Finance ministry.
• Main Objective: provide easy and effective system of getting educational
loans so that no student leaves his or her education mid-way due to lack of
funds.
• It is a single window platform for the students seeking educational loan or
scholarship.
• Through website, student can search for various educational loan and
scholarship providers, make application and track the status online.
• Online portal : “https://www.vidyalakshmi.co.in/Students/”

24. Sarva Shiksha Abhiyan (SSA)
• SSA, is an Indian Government programme aimed at the universalisation
of elementary education "in a time bound manner".
• Free and compulsory education to children between the ages of 6 to 14
(estimated to be 205 million children in 2001) a fundamental right.
• The programme was pioneered by former Indian Prime Minister Atal
Bihari Vajpayee.
- Ministry of HRD

25. Miscellaneous Schemes
• Mahatma Gandhi National Rural Employment Guarantee Scheme (MG-
NREGA)
• Pradhan Mantri Jan Dhan Yojana (PMJDY)
• Atal Pension Yojana (APY)
• Pradhan Mantri Gram Sadak Yojana
• Pradhan Mantri Awas Yojana (PMAY)
• Sansad Adarsh Gram Yojana (SAGY)
• Swachh Bharat Abhiyan

26. Mahatma Gandhi National Rural Employment
Guarantee Scheme (MG-NREGA)
• Launched: 2nd February2006, Anantpur (AP)
• Main objective : 100 days of employment in a financial year to
every household social safety net for the vulnerable groups and
an opportunity to combine growth with equity structured
towards harnessing the rural work-force, employment for the
area for future growth employment and self sufficiency.
• Scheme Operationalized in 200 selected districts, extended to
130 more districts in 2007-08.
• Mehrotra (2008) a civil servant who has worked in
implementation of the scheme, believes that 4 per cent of
programme costs allocated as administrative costs and
professional support is still quite low and does not recognise the
fact that a programme at the scale of MGNREGA requires
serious professional support.

27. Pradhan Mantri Jan Dhan Yojana (PMJDY)
• Launched: 28 August 2014
• Main Objective: Financial inclusion and access to financial services for all
households in the country.
• Under the PMJDY, any individual above the age of 10 years and does not have a
bank account can open a bank account without depositing any money.
• Jan Dhan Yojana has seen a great success, about 21 Crore accounts have been
opened in just about one and half year under the scheme.
• Kumar (2014) discussed the overview of financial inclusion using PMJDY in
India. It revealed that, it is the greatest steps ever taken to eradicate poverty are
financial inclusion through PMJDY. It is suggested that, the success of this
scheme constant review and regular check is very much essential.
• Official Website: http://www.pmjdy.gov.in

28. Atal Pension Yojana
(APY)
• Launched: 9 May 2015
• Main Objective: Increase the number of people covered under any kind of pension scheme..
• The scheme is especially targeted to the private unorganized sector and is open to all Indian
citizens between the age of 18 to 40 years.
• Under the scheme, the beneficiary have to make contribution for at least 20 years before
he/she can get pension after attaining age of 60 years.
• The scheme provides a monthly pension of Rs 1000 to Rs. 5000 per month based on the
contribution amount.
• Prasad & Anand (2016) “ An intial analysis of Atal Pension Yojana” revealed that the most
vulnerable households would be able to build pension corpuses that could meaningfully
provide them with old age income security.
• Official Website: http://www.jansuraksha.gov.in

29. Pradhan Mantri Gram Sadak Yojana
• Launched : December, 2000
• Main Objective: to provide connectivity to
unconnected habitations.
• Road connectivity to all habitations with a
population of thousand (500 in case of hilly or
tribal areas) with all weather roads by 2009.
• 100% centrally sponsored scheme.
• Peo (2005) study concluded that PMGSY has
succeeded in providing connectivity to some of
the most deserving habitations although the
pace of implementation in most of the selected
states is rather slow.

30. Pradhan Mantri Awas Yojana (PMAY)
• Launched: 25 June 2015
• Main Objective: Achieve housing for all by the year 2022, 2 crore in Urban and 3 Crore
homes in Rural areas.
• Under the PMAY, the government aims to provide about 5 Crore affordable homes to the
people by the year 2022.
• Under the scheme, the government will provide financial assistance to the poor home buyers,
interest subsidy on home loan and direct subsidy on homes bought under the scheme.
• Pandit (2017) conducted a study on “Role of the Pradhan Mantri Awas Yojana in Financial
Inclusion In India” and revealed that Pradhan Mantri Awas Yojana as an important tool of
Financial Inclusions in India .In this scheme, Credit linked subsidy was provided on home
loans taken from banks by eligible urban poor (economically weaker section/ lower income
group) for acquisition and construction of house.
• Official Website: http://mhupa.gov.in

31. Sansad Adarsh Gram Yojana (SAGY)
• Launched: 11 October 2014
• Main Objective: Social, cultural, economic, infrastructure developments in the
villages, i.e. development of model villages called “Adarsh Gram”
• Under the Yojana, Members of Parliament (MPs) will be responsible for
developing the socio-economic and physical infrastructure of three villages
each by 2019, and a total of eight villages each by 2024.
• Official Website: http://rural.nic.in

32. Swachh Bharat Abhiyan
• Launched: 2 October 2014
• Main Objective: To fulfill Mahatma Gandhi’s dream of a clean and
hygienic India.
• Swachh Bharat Mission is being implemented by the Ministry of Urban
Development (M/o UD) and by the Ministry of Drinking Water and
Sanitation (M/o DWS) for urban and rural areas respectively.
• Official Website: http://swachhbharat.mygov.in

33. Conclusion
 Pradhan Mantri fasal bima yojana is in syncronize with the stated
objective of the government to double farmer income by 2022 and
surely a step in the right direction and very timely — which will help in
saving Indian agriculture from the increasing risks of nature.
 Pradhan Mantri Awas Yojana increase resource use-efficiency in housing
construction through better use of building materials, water, energy.
 PMGSY road connectivity has led to a better transport system during all
seasons. Farmers mentioned that the problem of not being able to access
the markets during monsoon has been solved by the construction of the
roads .
 Beti Bachao Beti Padhao scheme is a praiseworthy initiative by the
Government of India to address the issues revolving around girl children
in India, right from the time they aren’t even born to them turning
adults.
Cont……

34.  MGNREGA provides wage employment, while focusing on strengthening
natural resource management through works that address causes of chronic
poverty like drought, deforestation and soil erosion .
 Realizing the importance of early childhood care and education, Sarv
Siskha Abhiyan( SSA) is also being used for ending the social, regional and
gender divides by involving the community in the management of the
schools.

35. References
• Blog, by Vishnu Prasad and Anand Sahasranaman, IFMR finance.foundation.
• Deb .R,(2017) The determinants of savings under the Sukanya Samriddhi Account
(SSA),Research & Development Journal, 2(1), 22–33.
• http://msde.gov.in
• http://pmkvyofficial.org
• http://wcd.nic.in
• http://www.jansuraksha.gov.in
• http://www.pmjdy.gov.in
• Kumar, R. (2014) A case study with over view of Pradhan Manthri Jan Dhan Yojana, World
Scientific news 29
• Mehrotra, S. (2008) NREG two years on: Where do we go from here? Economic and Political
Weekly, August 2008
• Shelly De (Pandit).2017, The Role of The Pradhan Mantri Awas Yojana (Urban), 2015 in
Financial Inclusion In India. Int J Recent Sci Res. 8(8), pp. 18959-18962.
• Sundar ,V & Ramakrishnan,J. (2018) A study on farmers awareness, perception and willing to
join and pay for pradhan mantri fasal bima yojana, International Journal in Management and
Social Science 3(7)

36. Thank you for your attention!