PM-KISAN: Giving Indian farmers direct income support to empower them

 

The Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme is an extraordinary drive by the Public authority of India pointed toward turning out direct revenue backing to little and peripheral farmers. Sent off in February 2019, this scheme significantly affects the existences of millions of farmers the nation over. In this article, we will dig into the vital parts of the PM-KISAN scheme, including its goals, qualification standards, enrollment process, and the advantages it offers to the cultivating local area.

1. Figuring out PM-KISAN:

PM-KISAN is a leader scheme that looks to address the monetary difficulties looked by little and negligible farmers. Under this scheme, qualified farmers get immediate pay backing of Rs. 6,000 every year in three equivalent portions. The assets are straightforwardly moved to the ledgers of the recipients, guaranteeing straightforwardness and disposing of go-betweens.

2. Targets of PM-KISAN:

The essential targets of PM-KISAN are to:

a) Offer monetary help to farmers for the acquisition of farming data sources, equipment, and other fundamental assets.

b) Lift provincial utilization and drive financial development by expanding fermer pay.

c) Lighten agrarian misery and decrease rancher obligation.

d) Reinforce the agrarian area by advancing maintainable cultivating rehearses and mechanical headways.

3. Eligibility Criteria:

To avail the benefits of PM-KISAN, farmers need to meet the following eligibility criteria:

a) The applicant must be an Indian citizen.

b) The farmer's landholding should be less than 2 hectares (5 acres).

c) The scheme is applicable to small and marginal farmers, including tenant farmers.

d) Institutional landholders, income tax payers, and professionals are not eligible for the scheme.

4. Enrollment Interaction:

Enrolling for the PM-KISAN scheme is a clear cycle. Farmers can apply on the web or visit the closest Common Service Centre (CSC) or approved government workplaces to finish the enrollment. The expected records incorporate Aadhaar card, bank account details, and landholding reports.

5. Advantages and Effect:

The PM-KISAN scheme altogether affects the existences of farmers across India. The advantages of the scheme include:

a) Improved monetary security: The immediate pay backing of Rs. 6,000 yearly gives a truly necessary monetary pad to farmers, empowering them to put resources into their homesteads and secure their occupations.

b) Expanded horticultural efficiency: With extra monetary assets available to them, farmers can buy quality seeds, manures, and present day equipment, prompting worked on rural efficiency and higher harvest yields.

c) Destitution decrease: PM-KISAN assumes a fundamental part in diminishing neediness levels in provincial regions by enabling farmers with a steady kind of revenue.

d) Social strengthening: The scheme advances orientation equity by guaranteeing that the advantages arrive at female landowners, cultivating their monetary strengthening and social incorporation.

The Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme has arisen as a unique advantage in the existences of little and minor farmers in India. By turning out direct revenue support, the scheme empowers farmers to beat monetary difficulties, put resources into their homesteads, and carry on with a stately existence. As the public authority proceeds to refine and extend the scheme, PM-KISAN is supposed to achieve a huge change in the farming area, adding to the general development and development of the country.

For farmer registration click here.

For e-KYC click here.

For checking the farmer status click here.

For updation of status click here.

For download PM-KISAN mobile app click here.

For any query please click here.

Source : https://pmkisan.gov.in/

Public Provident Fund Account (PPF)

A PPF account can be opened by a grown-up for self or in the interest of a minor. The record residency is 15 years and the lock-in period for the record is 15 years. You can put aside an installment to a PPF account going from Rs.500 up to Rs.1.5 lakh each monetary year.

The store can be made in a single amount or in installments. There is no limitation on the quantity of installments each monetary year. The stores should be made each monetary year during the residency and such stores are absolved from annual assessment u/s 80C.

You are expected to put aside a base installment of Rs.500 each monetary year to keep the record dynamic. Assuming that you neglect to set aside this installment, the record will be ended. You should suffer a consequence of Rs.50 alongside a base store of Rs.500 to reactivate the record.

A loan fee of 7.1% p.a. (Q4 FY2022-23) is applied to the store and is compounded yearly. A credit office is accessible on the PPF balance. Additionally, you can make halfway and untimely withdrawals on the PPF account subject to specific circumstances. After finishing the residency, you can decide to broaden the record regardless of making extra commitments. You likewise have the choice to close the record.

Eligibility for opening of PPF account:

• PPF investments are open to all Indian citizens.

• Unless the second account is in the name of a minor, a citizen can only have one PPF account.

• A PPF account cannot be opened by NRIs or HUFs. Be that as it may, on the off chance that they have a current PPF account in their name, it will stay dynamic till its fulfillment date. However, unlike Indian citizens, these accounts cannot be extended for five years.

How can a PPF account be opened?

A PPF account can be opened with either a Post Office or with any nationalized bank like the State Bank of India or Punjab National Bank, and so on. Nowadays, even specific confidential banks like ICICI, HDFC and Axis Bank among others are approved to give this office.

You want to present the beneath referenced records:

•             Appropriately filled account opening application form.

•             KYC Documents like Aadhaar, Epic card, Driving License, and so on.

•             Residential Proof.

•             Nominee filled form.

•             Passport  size photograph.

How to open PPF Account online?

Step 1: Open a Bank Account using online platform of Bank.

Step 2: Select PPF Account option.

Step 3: If account is yourself then click ‘Self’ option. Otherwise if Account created behalf of Minor then select ‘Minor Account’ option.

Step 4: Fill all the necessary documents.

Step 5: Fill which amount you want to be deposited per financial year.

Step 6: Then OTP verification needed as per requirement.

Step 7: PPF account now created.

How to create PPF account at Post Office?

Step 1: Get an application form from nearest Post Office.

Step 2: Fill with proper way.

Step 3: Make deposit which amount you want to be deposited from minimum Rs. 500 to Rs 150000.

Step 4: After opening your account a Passbook will be given to you from Post Office.

To download PPF Form of Post Office click here.

Special features:

1. Minimum deposited amount from Rs. 500 to maximum Rs. 150000.

2. From 3rd financial year to 6th financial year loan facility are available.

3. After 7th year withdrawal facility are available.

4. After covering 15th Year account will be fully matured.

5. Deposit amount qualifies deduction under Sec. 80C.

6. Interest earned in this account free from Tax under IT Act. Sec 10.

To calculate your PPF balance please click here.

Atal Pension Yojana (APY)

 

• The Government of India is worried about the advanced age pay security of the functioning poor and is centered around empowering and empowering them to put something aside for their retirement. To address the life span takes a chance among the specialists in sloppy area and to support the laborers in chaotic area to put something aside for their retirement willfully.

• The GoI has in this manner reported another plan called Atal Pension Yojana (APY) in 2015-16 financial plan. The APY is centered around all residents in the disorderly area.

• The plan is directed by the Pension Fund Regulatory and Development Authority (PFRDA) through NPS mode.

Special features:

• Under the APY, there is ensured least month to month pension for the endorsers running between Rs. 1000 and Rs. 5000 every month.

• The advantage of least pension would be ensured by the GoI.

• GoI will likewise co-contribute half of the endorser's commitment or Rs. 1000 for each annum, whichever is lower. Government co-commitment is accessible for the individuals who are not covered by any Legal Federal retirement aide Plans and isn't annual citizen.

• GoI will co-add to each qualified endorser, for a time of 5 years who joins the plan between the period first June, 2015 to 31st December, 2015. The advantage of five years of government Co-commitment under APY wouldn't surpass 5 years for all endorsers including relocated Swavalamban recipients.

• All bank account holders might join APY.

Eligibility criteria:

• APY is appropriate to all resident of India matured between 18-40 years.

• Aadhaar will be the essential KYC. Aadhar and portable number are prescribed to be acquired from endorsers for the simplicity of activity of the plan. If not accessible at the hour of enrollment, Aadhar subtleties may likewise be submitted later stage.

Charges for default:

Banks are expected to gather extra sum for postponed installments, such sum will change from least Re 1 every month to Rs 10/ - each month as displayed beneath:

• Re. 1 every month for commitment upto Rs. 100 every month.

• Re. 2 every month for commitment upto Rs. 101 to 500/ - each month.

• Re 5 every month for commitment between Rs 501/ - to 1000/ - each month.

• Rs 10 every month for commitment past Rs 1001/ - each month.

The proper measure of interest/punishment will stay as a component of the pension corpus of the supporter. Significant data for supporter: End of installments of commitment sum will prompt following:

• Following a half year record will be frozen.

• Following a year record will be deactivated.

• Following two years record will be shut.

Endorser ought to guarantee that the Bank record to be funded enough for auto charge of commitment sum.

Exit from the Scheme :

On accomplishing the age of 60 years:

The exit from APY is allowed at the age with 100 percent annuitisation of pension abundance. On leave, pension would be accessible to the spouse.

In the event of death of the Spouse because of any reason:

In the event of death of spouse pension would be accessible to the mate and on the demise of the two of them (endorser and companion), the pension corpus would be gotten back to his candidate.

Exit Before the age of 60 Years:

Exit before 60 years old isn't allowed anyway it is allowed exclusively in remarkable conditions, i.e., in case of the demise of recipient or fatal sickness.

Characteristic Month to month Commitment Outline

Age of Entry	Monthly pension of Rs 1000.	Monthly pension of Rs 2000	Monthly pension of Rs 3000	Monthly pension of Rs 4000	Monthly pension of Rs 5000
18	42	84	126	168	210
20	50	100	150	198	248
25	76	151	226	301	376
30	116	231	347	462	577
35	181	362	543	722	902
40	291	582	873	1164	1454

 To know about more premium rate please click here.

 

Sukanya Samriddhi Yojana

The Sukanya Samriddhi Yojana (SSY) is a little store conspire by the Ministry of Finance only for a young lady kid. SSY was sent off by the Hon'ble Prime Minister on 22nd January 2015 as a piece of the Beti Bachao Beti Padhao crusade. The plan is intended to meet the instruction and marriage costs of a young lady kid. Informed by the Government of India on fourteenth December 2014, this plan urges guardians to fabricate an asset for the future schooling and marriage costs of their female youngster. One can apply for SSY through Post Offices or through the parts of Public Sector Banks and three Confidential Sector Banks viz. HDFC Bank, Axis Bank, and ICICI Bank. The record can be opened by a parent or legitimate gatekeeper of the young lady kid. The young lady kid should be underneath the age of 10 years. Just a single record is took into consideration a young lady kid. A family can open just two SSY accounts. The Base Speculation is ₹250 per annum; The Greatest Venture is ₹1,50,000 per annum. The Development Time frame is 21 years. As of now, SSY has a few tax benefits and the most elevated pace of interest among every one of the Little Reserve funds Plans for example 7.6%. The chief sum saved, premium procured during the whole residency, and development benefits are tax-excluded. The chief sum is deductible under segment 80C up to ₹1,50,000. Starting from the beginning of the plan, around 2.73 crore accounts have been opened under the plan, having almost ₹ 1.19 Lakh Crore stores.

Benefits:

1. The minimum and maximum amount to be invested is Rs. 250 to Rs. 150000. Per annum for the maximum maturity period is 21 Years.

2.  As of now, SSY has a few tax benefits and the most noteworthy pace of interest among every one of the Little Investment Schemes Plans for example 7.6%.

3. The total sum kept, premium procured during the whole residency, and development benefits are tax-absolved under Segment 80C.

4. The amount can be moved anyplace in India from one post office/Bank to another.

5. If the account is not closed then interest will be paid to beneficiary.

6. An untimely withdrawal of up to half of speculation is permitted after the youngster acquires the age of 18 years regardless of whether she isn't getting married.

Eligible criteria:  

1. The account might be opened by one of the watchmen for the sake of a young lady kid, who has not accomplished the age of a decade as of the date of opening of the account.

2. Each account holder will have a single account under this Plan.

3. An account under this Plan might be opened for a limit of two young lady kids in a single family: Given that multiple accounts might be opened in a family in the event that such youngsters are brought into the world in the first or in the second request of birth or in both, on accommodation of an oath by the gatekeeper upheld with birth endorsements of the twins/trios in regards to the introduction of such different young lady youngsters in the initial two sets of birth in a family. Given further that the above stipulation will not have any significant bearing to the young lady offspring of the second request of birth assuming the principal request of birth in the family brings about at least two enduring young lady kids.

How to apply:

A Sukanya Samriddhi Yojana (SSY) account can be opened at any taking part bank or Post Office branch. To open the account, complete the means illustrated underneath:

1.  At first open a single Account.

2.  Fill the application form with necessary documents.

3. Payment the first installment from Rs. 250 to Rs 150000 using Cash, Check or DD.

4. Then payment and application received by the Bank or Post Office and processed simultaneously.

5. After processing by the financial institute a passbook will be supplied to you.

 Required Documents:

1. Certificate of Birth of Girl.

2. Legal Guardian’s Photo Identity Proof.

3. Legal Guardian’s address proof.

4. Account opening form (SSY).

5. PAN card or voter Card of Guardian’s.

6. Any other paper which required by the financial Institution.

For download the form of Sukanya Samrriddhi Yojona click here. 

Damini App Lightning: Releasing the Force of Innovation for Lightning Wellbeing

 As of late, there has been a developing acknowledgment of the requirement for imaginative answers for address the dangers presented by lightning strikes. Lightning, a characteristic peculiarity with crushing outcomes, has guaranteed various lives and caused huge harm around the world. Because of this major problem, the Damini App Lightning has arisen as a special and integral asset that tackles innovation to upgrade lightning wellbeing. This article investigates the elements and advantages of the Damini App Lightning, revealing insight into its part in relieving the dangers related with lightning strikes.

Ongoing Lightning Location

The Damini App Lightning use cutting edge innovations to give constant lightning recognition. By using modern calculations and information from solid meteorological sources, the app can precisely recognize the event and nearness of lightning strikes. Clients get moment cautions and notices, empowering them to play it safe and look for cover prior to lightning represents a danger. This component is especially significant for outside aficionados, sports exercises, and businesses working in open spaces.

Lightning Expectation and Determining

One of the champion elements of the Damini App Lightning is its capacity to foresee and conjecture lightning movement. By breaking down authentic information and utilizing prescient models, the app can expect the probability of lightning strikes in unambiguous regions. This proactive approach engages people, associations, and networks to design their exercises likewise and limit the gamble of openness to perilous weather patterns. Whether it's getting sorted out open air occasions, booking work tasks, or arranging sporting exercises, the app's anticipating capacities offer important experiences for informed direction.

Modified Security Suggestions

Perceiving that lightning wellbeing measures change contingent upon the conditions, the Damini App Lightning gives altered security proposals to its clients. In view of constant information and individual profiles, the app recommends explicit precautionary measures and moves to be made during lightning occasions. These suggestions might remember looking for cover for tough designs, keeping away from tall articles, avoiding open fields or waterways, and detaching electronic gadgets. By fitting security exhortation to every client's area and circumstance, the app advances a designated and successful approach to lightning wellbeing.

Local area Lightning Detailing

The Damini App Lightning consolidates a local area detailing highlight, empowering clients to report lightning strikes they have seen. This publicly supported data fills in as an important asset for meteorologists, scientists, and crisis reaction groups, improving comprehension they might interpret lightning designs and adding to better guaging models. Furthermore, this cooperative approach cultivates a feeling of local area commitment and enables people to take part in advancing lightning wellbeing effectively.

Instructive Assets and Mindfulness

The Damini App Lightning goes past recognition and expectation by giving instructive assets and bringing issues to light about lightning security. The app offers instructive articles, rules, and instructional exercises that furnish clients with fundamental information on lightning gambles, security measures, and medical aid conventions. By advancing mindfulness and training, the app engages people to pursue informed choices, successfully answer lightning-related crises, and spread mindfulness inside their networks.

The Damini App Lightning addresses a momentous development in the domain of lightning wellbeing. By utilizing ongoing lightning identification, exact estimating, altered wellbeing proposals, local area detailing, and instructive assets, the app prepares people, associations, and networks with the devices and information to moderate the dangers related with lightning strikes. In a period where innovation keeps on changing our lives, the Damini App Lightning remains as a strong illustration of how development can add to a more secure and stronger society. As we embrace these headways, let us guarantee that lightning security stays a need, safeguarding lives and limiting the effect of this normal peculiarity.

What is Damini App?

Damini App was created by the Indian Institute of Tropical Meteorology (IITM-Pune) and Earth System Science Organization (ESSO) under the ministry of earth sciences.

•             The app screens the lightning event all over India and cautions the client of lightning close to them by a GPS warning under 20 km and 40 km.

•             Further, the Damini app likewise sets off advance notice about lightning strikes three hours ahead of time which can assist with lessening misfortunes to life and property.

To Download Damini App please click here

Kanyashree Prakalpa: Empowering the Girl Youngster in West Bengal

In our current reality where orientation uniformity and ladies' strengthening are essential for maintainable turn of events, drives like Kanyashree Prakalpa in West Bengal, India, have arisen as encouraging signs. Kanyashree Prakalpa is an exceptional and extraordinary plan pointed toward elevating the existences of girl kids and young ladies, engaging them to seek after their fantasies and break the shackles of orientation separation. This article dives into the vital parts of Kanyashree Prakalpa, its effect on society, and the momentous excursion of enabling the girl youngster in West Bengal.

The Introduction of Kanyashree Prakalpa:

Kanyashree Prakalpa was sent off in 2013 by the Public authority of West Bengal, under the visionary administration of Boss Pastor Mamata Banerjee. The program is intended to resolve issues, for example, kid marriage, school dropout rates among girls, and monetary obstructions that keep them from chasing after advanced education. It perceives the capability of the girl youngster and looks to furnish her with a supporting climate to develop and flourish.

The Parts of Kanyashree Prakalpa:

a. Kanyashree K1: Under this part, a yearly grant is given to unmarried girls between the ages of 13 and 18, concentrating on in government or government-helped schools. The award goes about as a motivator for families to help their little girls' schooling, empowering them to keep tutoring and oppose cultural tensions that frequently lead to early relationships.

b. Kanyashree K2: This part targets girls somewhere in the range of 18 and 19 years old and offers a one-time award to help their quest for advanced education, professional preparation, or expertise improvement. By working with admittance to advanced education and expert open doors, Kanyashree K2 plans to engage young ladies and improve their financial possibilities.

Effect and Accomplishments:

Since its commencement, Kanyashree Prakalpa fundamentally affects the existences of endless girls and young ladies in West Bengal. Here are a few key accomplishments:

a. Forestalling Kid Marriage: By giving monetary motivators to families and bringing issues to light about the significance of schooling, the program has effectively decreased the pervasiveness of kid relationships. It has enabled girls to postpone marriage and put resources into their schooling, giving them more noteworthy command over their lives.

b. Expanding School Enlistment: Kanyashree Prakalpa has added to a significant expansion in the enlistment of girls in schools. By tending to the monetary boundaries that frequently thwart girls' admittance to training, the program has urged families to send their girls to school, prompting higher proficiency rates and worked on instructive results.

c. Engaging Young ladies: The program has empowered young ladies to seek after advanced education and professional preparation, furnishing them with the essential abilities to get better open positions. By advancing monetary freedom and confidence, Kanyashree Prakalpa has cultivated an age of engaged ladies who can add to the improvement of their families and networks.

Acknowledgment and Replication:

The progress of Kanyashree Prakalpa has gathered public and global acknowledgment. It has gotten renowned honors, including the Unified Countries Public Help Grant in 2017, for its extraordinary commitment to ladies' strengthening. A few states in India have likewise looked to repeat the program, perceiving its groundbreaking potential and the need to focus on orientation equity.

Kanyashree Prakalpa remains as a demonstration of the force of designated mediations in engaging the girl kid and advancing orientation correspondence. By tending to the difficulties looked by girls and young ladies, the program has changed lives, empowering them to break the hindrances that limit their advancement.

Kanyashree Prakalpa is a government assistance plot carried out by the Public authority of West Bengal, India, determined to enable juvenile girls and forestalling kid marriage. The qualification models for Kanyashree Prakalpa might change after some time, so it is fundamental to allude to the most recent rules gave by the public authority. Be that as it may, as of my insight cutoff in September 2021, I can furnish you with the overall qualification standards for the plan:

1. Age: The girl ought to be somewhere in the range of 13 and 18 years old.

2. Residency: The candidate ought to be an inhabitant of West Bengal, India.

3. Training: The girl ought to be signed up for a normal instructive establishment, like a school, school, or professional course. The plan urges girls to proceed with their schooling and beats dropouts down.

4. Family Pay: The yearly family pay ought to be under a specific edge. The particular pay models might differ in view of the rules set by the public authority.

If it's not too much trouble, note that these qualification models depend on data accessible up until September 2021, and there might have been updates or changes made to the program from that point forward. It is prudent to counsel the authority government sources or contact the pertinent specialists to get the most modern and precise data in regards to the qualification rules for Kanyashree Prakalpa.

In view of the data accessible up as far as anyone is concerned  the Kanyashree Prakalpa is a government assistance conspire carried out by the public authority of West Bengal, India, pointed toward enabling juvenile girls through monetary help. Under this program, qualified girls get monetary help as a yearly grant.

There were two parts of the Kanyashree Prakalpa:

K1: A yearly grant of INR 1000 (Indian Rupees) was given to unmarried girls matured 13 to 18 years concentrating on in classes 8 to 12 in government-supported or perceived schools, madrasahs, universities, or comparable specialized or professional courses.

K2: A one-time award of INR 25,000 was given to girls who stayed unmarried until the age of 18 and finished their higher optional training from Government recognize institutions (class 12 or same) or comparable professional or specialized course.

To know more please click https://www.wbkanyashree.gov.in/

 For track your application click here

For Kanyashree K1 form click here

For Kanyashree K2 form click here

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