{"id":24306,"date":"2023-05-31T15:33:39","date_gmt":"2023-05-31T10:03:39","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=24306"},"modified":"2023-06-16T12:55:00","modified_gmt":"2023-06-16T07:25:00","slug":"important-financial-schemes-by-the-gov-in-india-2023","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/","title":{"rendered":"Important Financial Schemes by the Gov in India 2023"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d109153eca0\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d109153eca0\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/#1_Pradhan_Mantri_Jan_Dhan_Yojana_PMJDY\" title=\"1) Pradhan Mantri Jan Dhan Yojana (PMJDY)\">1) Pradhan Mantri Jan Dhan Yojana (PMJDY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/#2_Pradhan_Mantri_Jeevan_Jyoti_Bima_Yojana_PMJJBY\" title=\"2) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)\">2) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/#3_Pradhan_Mantri_Suraksha_Bima_Yojana_PMSBY\" title=\"3) Pradhan Mantri Suraksha Bima Yojana (PMSBY)\">3) Pradhan Mantri Suraksha Bima Yojana (PMSBY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/#4_Atal_Pension_Yojana_APY\" title=\"4) Atal Pension Yojana (APY)\">4) Atal Pension Yojana (APY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/#5_Pradhan_Mantri_Mudra_Yojana_PMMY\" title=\"5) Pradhan Mantri Mudra Yojana (PMMY)\">5) Pradhan Mantri Mudra Yojana (PMMY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p>India has witnessed a remarkable transformation through various financial government schemes that aim to uplift marginalised communities, provide financial security, and boost socio-economic development.<\/p>\n<p>&nbsp;<\/p>\n<p>These government scheme are for the benefit of the Indian citizens and you can avail the benefit of the best schemes for your needs.<\/p>\n<p>&nbsp;<\/p>\n<p>In this blog, we will explore the most significant government schemes, along with their eligibility criteria and the wide range of benefits they offer. Let&#8217;s delve into these impactful initiatives that have reshaped the financial landscape of the country.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"1_Pradhan_Mantri_Jan_Dhan_Yojana_PMJDY\"><\/span><strong>1) Pradhan Mantri Jan Dhan Yojana (PMJDY)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>Purpose: <\/strong>Universal Financial Inclusion<\/p>\n<p><strong>Eligibility:<\/strong> Open to all Indian citizens above the age of 10<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Benefits:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>1) One Account:<\/strong> Each person without a bank account can open one BSBD account.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>2) No Minimum Balance:<\/strong> There is no requirement to maintain a minimum balance in the account, and it remains operable even with a zero balance.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>3) Interest Earned:<\/strong> The deposited amount in the account earns an interest rate.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>4) RuPay Debit Card:<\/strong> A RuPay debit card is issued to the account holder.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>5) Accident Insurance Cover:<\/strong> The debit card includes an Accident Insurance Cover of Rs.1 lakh (for accounts opened before 28th August 2018) or Rs.2 lakhs (for accounts opened thereafter).<\/p>\n<p>&nbsp;<\/p>\n<p><strong>6) Overdraft Facility:<\/strong> Eligible account holders can avail of an overdraft facility up to Rs.10,000\u00a0and direct benefit transfer<\/p>\n<p>&nbsp;<\/p>\n<p><strong>How to Open an Account<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>To open a PM Jan-Dhan Yojana account, approach any bank and fill up an application form. Individuals aged 10 years and above are eligible.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>If you have an Aadhaar Card, submit it as proof of identity, age, and address. If your address has changed, provide a self-certified copy of the new address.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>If you don&#8217;t have an Aadhaar Card, you can submit any Officially Valid Document (OVD) such as PAN Card, Passport, Voter ID Card, NREGA Card, or Driving License. Any OVD containing your address will serve as proof of identity and address.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>In the absence of an Aadhaar Card or any OVD, you may still open an account if the bank considers you a low-risk individual. In this case, submit an identity card issued by government departments, a letter from a gazetted officer with an attested photograph, or any other acceptable document.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Join PMJDY today and empower yourself with access to banking services!<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"2_Pradhan_Mantri_Jeevan_Jyoti_Bima_Yojana_PMJJBY\"><\/span><strong>2) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>Purpose:<\/strong> Affordable Life Insurance of Rs. 2 lakhs.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Eligibility:<\/strong> Indian citizens aged 18 to 50<\/p>\n<p><strong>Benefits:<\/strong> Affordable life insurance coverage of \u20b92 lakh in case of the insured&#8217;s death, available at a nominal premium<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Features:<\/strong><\/p>\n<ul>\n<li>Affordable premium<\/li>\n<li>Easy enrolment process<\/li>\n<li>100% Paperless On-boarding<\/li>\n<li>Non-medical product<\/li>\n<li>Life cover for one year<\/li>\n<li>Available for all Savings Bank account holders of India Post Payments bank, aged 18 to 50<\/li>\n<li>Coverage available until the age of 55<\/li>\n<\/ul>\n<p>Coverage period: 1st June to 31st May<\/p>\n<p>Note: In joint accounts, each account holder can take separate covers of Rs. 2 lakhs by paying separate premiums per life.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Termination of Assurance<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>The assurance on the life of the member will cease in the following situations, and no benefit will be payable:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>On reaching the age of 55 years (near birthday), with annual renewal possible until that date (entry not permitted beyond age 50).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Closure of the account with the Bank or insufficient balance to maintain the insurance.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>If a member is covered under PMJJBY with another insurer through multiple accounts and premiums are received by the other insurer, the insurance cover will be limited to \u20b92 Lakh.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-22082\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg\" alt=\"\" width=\"640\" height=\"161\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03.jpg 600w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"3_Pradhan_Mantri_Suraksha_Bima_Yojana_PMSBY\"><\/span><strong>3) Pradhan Mantri Suraksha Bima Yojana (PMSBY)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>Purpose: <\/strong>Accidental Insurance Coverage<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Eligibility:<\/strong> Indian citizens aged 18 to 70, Must have a bank account and provide consent for auto-debit<br \/>\nAadhaar serves as the primary KYC for the bank account<\/p>\n<p><strong>Benefits:<\/strong> Affordable accidental insurance coverage of \u20b92 lakh in case of death or total disability, and \u20b91 lakh for partial disability<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Coverage and Premium<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Risk coverage: \u20b92 lakh for accidental death and full disability<\/li>\n<li>\u20b91 lakh for partial disability<\/li>\n<li>Affordable premium: \u20b920 per annum<\/li>\n<li>Auto-debit: Premium deducted in a single instalment from the account holder&#8217;s bank account<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Insurance Providers: <\/strong>Public Sector General Insurance Companies or any other General Insurance Company<\/p>\n<p>&nbsp;<\/p>\n<h4><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"4_Atal_Pension_Yojana_APY\"><\/span><strong>4) Atal Pension Yojana (APY)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>Purpose: <\/strong>Ensuring Retirement Security for unorganised sector employees<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Eligibility:<\/strong> Indian citizens aged 18 to 40<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Benefits<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Guaranteed minimum pension ranging from \u20b91,000 to \u20b95,000 per month during retirement, based on the contribution amount and age at entry<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Automatic debit: Enjoy the convenience of automatic debit for monthly contributions, ensuring hassle-free payments.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Increase contributions: Flexibility to adjust contributions once a year to secure a higher pension amount.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Guaranteed pension: Choose from pension options of Rs. 1000, Rs. 2000, Rs. 3000, Rs. 4000, or Rs. 5000 based on your monthly contributions.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Age restrictions: Open to individuals aged 18 to 40, including college students planning for their future.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Withdrawal policies: At 60, annuitize the corpus amount for monthly pensions. Exit options available in case of terminal illness or death.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Penalty terms: Penalty charges for delayed payments range from Re. 1 to Rs. 10 based on monthly contributions.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Tax exemptions: Contributions eligible for tax exemptions under Section 80CCD of the Income Tax Act.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>How to apply<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>Visit your bank branch.<\/li>\n<li>Fill out the application form.<\/li>\n<li>Submit it with two photocopies of your Aadhaar card.<\/li>\n<li>Provide your active mobile number.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"5_Pradhan_Mantri_Mudra_Yojana_PMMY\"><\/span><strong>5) Pradhan Mantri Mudra Yojana (PMMY)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>Purpose:<\/strong> Empowering Micro Enterprises<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Eligibility: <\/strong>Indian citizens with income-generating activities in non-farming sectors can avail loans under PMMY.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Benefits:<\/strong> Access to collateral-free loans up to \u20b910 lakh, facilitating the growth and expansion of small businesses<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Types of PMMY Loans<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Shishu: Up to \u20b950,000<br \/>\nKishor: \u20b950,000 to \u20b95,00,000<br \/>\nTarun: \u20b95,00,000 to \u20b910,00,000<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>These financial schemes in India have played a pivotal role in fostering financial inclusion and driving growth for the economy. As Indian citizens, we are entitled and even encouraged to avail the benefits of these scheme and contribute meaningfully towards the development of the country.<\/p>\n<p>&nbsp;<\/p>\n<div>\n<p>Interested in how we think about the markets?<\/p>\n<\/div>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/LpT36NlFLgk\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai! #PersonalFinance<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>India has witnessed a remarkable transformation through various financial government schemes that aim to uplift marginalised communities, provide financial security, and boost socio-economic development. &nbsp; These government scheme are for the benefit of the Indian citizens and you can avail the benefit of the best schemes for your needs. &nbsp; In this blog, we will [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/important-financial-schemes-by-the-gov-in-india-2023\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":24311,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[335],"tags":[569,2325,2324,346],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Important Govt. 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