#What is NREGA scheme

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[ad_1] By Anjali Sharma WASHINGTON – The report released on Thursday showed that healthy farm incomes should provide support to rural incomes next fiscal (FY26) and lower inflation and scope for reduced interest rates should improve purchasing power for discretionary spending in India. It said that this year real private consumption growth revived to 7.3 per cent from 4 per cent last fiscal. According to a Crisil Market Intelligence and Analytics report “What’s salutary is that some factors that support consumption recovery in the short term have also turned supportive”. The growth in government consumption expenditure rebounded to 4.1 per cent from 2.5 per cent last fiscal, supporting private consumption growth recovery. Over the past few fiscals, government revenue spending on welfare schemes, such as NREGA, rural roads and housing construction, generated employment and bolstered rural demand in the immediate term. In FY26, for private consumption to remain strong, government spending must focus on employment generating schemes that put incomes in the hands of those with a higher propensity to consume. “A combination of such spending on asset-creating schemes (rural roads, affordable housing and National Rural Employment Guarantee Act works) and furthering government capital expenditure or capex on infrastructure (railways, highways and ports) could moderate the inflation impact of such spending. The report noted “If the supporting factors kick in, the pick-up in private consumption growth could be preserved next fiscal,”. This fiscal, the agriculture economy did better with healthy southwest rains and robust kharif harvest. Good soil moisture and abundant reservoir levels are benefiting the rabi crop as well. “The government’s first advance estimates show agriculture GVA growing 3.8 per cent this fiscal, which will support rural incomes and demand,” the report indicated. Next fiscal, the recent La Nina effect that has just set in positively impacts the southwest monsoon, and there are fewer, less-disruptive weather disturbances, we expect agriculture output and incomes to remain healthy and continue aiding rural consumption, it added. The post Report says India lower inflation, reduced interest rates boost private consumption in FY26 appeared first on Global Governance News- Asia's First Bilingual News portal for Global News and Updates. [ad_2] Source link

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[ad_1] By Anjali Sharma WASHINGTON – The report released on Thursday showed that healthy farm incomes should provide support to rural incomes next fiscal (FY26) and lower inflation and scope for reduced interest rates should improve purchasing power for discretionary spending in India. It said that this year real private consumption growth revived to 7.3 per cent from 4 per cent last fiscal. According to a Crisil Market Intelligence and Analytics report “What’s salutary is that some factors that support consumption recovery in the short term have also turned supportive”. The growth in government consumption expenditure rebounded to 4.1 per cent from 2.5 per cent last fiscal, supporting private consumption growth recovery. Over the past few fiscals, government revenue spending on welfare schemes, such as NREGA, rural roads and housing construction, generated employment and bolstered rural demand in the immediate term. In FY26, for private consumption to remain strong, government spending must focus on employment generating schemes that put incomes in the hands of those with a higher propensity to consume. “A combination of such spending on asset-creating schemes (rural roads, affordable housing and National Rural Employment Guarantee Act works) and furthering government capital expenditure or capex on infrastructure (railways, highways and ports) could moderate the inflation impact of such spending. The report noted “If the supporting factors kick in, the pick-up in private consumption growth could be preserved next fiscal,”. This fiscal, the agriculture economy did better with healthy southwest rains and robust kharif harvest. Good soil moisture and abundant reservoir levels are benefiting the rabi crop as well. “The government’s first advance estimates show agriculture GVA growing 3.8 per cent this fiscal, which will support rural incomes and demand,” the report indicated. Next fiscal, the recent La Nina effect that has just set in positively impacts the southwest monsoon, and there are fewer, less-disruptive weather disturbances, we expect agriculture output and incomes to remain healthy and continue aiding rural consumption, it added. The post Report says India lower inflation, reduced interest rates boost private consumption in FY26 appeared first on Global Governance News- Asia's First Bilingual News portal for Global News and Updates. [ad_2] Source link

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What is MGNREGA scheme?

Amid rising cost of living and decreasing job opportunities, people in rural India are falling back on MGNREGA to earn their daily bread.

What is MGNREGA scheme?

The National Rural Employment Act (NREGA), later renamed as Mahatma Gandhi Rural Employment Act (MGNREGA), is regarded as the Indian labour law and social security measure that targets to guarantee people of India the ‘right to work.’ MGNREGA was enacted in September 2005. The above Act was presented by Raghuvansh Prasad Singh, Minister of Rural Development and was enacted by Parliament of India. According to MGNREGA, the Act “ aims to enhance livelihood security in rural areas by providing at least 100 days of wage employment in a financial year to every household whose adult members volunteer to do unskilled manual work”.

History & Significance of MGNREGA

In 1991, the Act was proposed by the then Prime Minister of India P.V. Narasimha Rao. After several sessions, the act was finally accepted in the Parliament and implementation started in 625 districts of India. On the basis of this primary experience, NREGA was introduced in all the districts from 01st April, 2008. The Govt of India termed the act as “the largest and most ambitious social security and public works programme in the world.” World Bank coined the term ‘stellar example of rural development’ regarding the MGNREGA.

Objectives of NREGA

To enrich livelihood security in rural areas by giving at least 100 days of guaranteed wage employment in a financial year to all the households whose members aged above 18 years volunteer to do unskilled manual work

To flourish durable assets like roads, canals, ponds and wells

It is required to provide employment within 5 km of an applicant’s home and to pay minimum wage. If the applicant does not get any work within 15 days of applying, an unemployment allowance will be given to them. Moreover, if Govt fails to provide employment, it is bound to give certain unemployment allowances to the people. Hence, it is a legal entitlement to be employed under MGNREGA.

Implementation of MGNREGA

Generally Gram Panchayats (GPs) implement the programmes under MGNREGA. The engagement of contractors/middlemen is strictly prohibited in the programme. NREGA not only provides economic security and rural assets but also helps in protecting the environment, empowering rural women, reducing rural-urban migration, fostering social equity etc. The principles and agencies for execution, list of allowed works, financing pattern, monitoring and evaluation and quintessentially the detailed measures to ensure transparency and accountability are elaborately described in the act.

Women empowerment is one of the greatest aspects in MGNREGA programme. In the programme, one-third of all employment is reserved for the women and there is a provision of equal wage between the men and women. It is also a very good opportunity for the youths of our country. Another merit of MGNREGA is that it develops the bargaining power of labour who often suffers due to exploitative market conditions.

Despite several controversies, MGNREGA can be termed as the best scheme for rural people of India. Thousands of rural people survive their day to day life because of this scheme. One of the major impacts of this scheme is the reduction of migration from rural sector to the urban sector for causal work. MGNREGA not only creates job opportunity but also sustains it.

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Get Details about Atal Pension Yojana and NREGA Job Card List

The NREGA scheme is an important scheme that helps poor farmers in India. The Yojana (also called as the National Rural Employment Guarantee Act) is a government program that guarantees employment to the farmers.

The Atal Pension Yojana (APY) was launched by the Indian Government in 2011 and it provides pension to people who are aged 60 or above and they have been working for at least 20 years. This scheme was designed to help those who were unable to access social security schemes due to their age or health conditions.

The Job Card List is a list of jobs that are being offered by government agencies, non-profit organizations and private companies for which candidates can apply online through an e-job portal. These jobs can be from any field such as education, health, social work, etc., but there are certain fields where this list includes more than 1000 job opportunities which include all kinds of jobs from construction sector to teaching career paths. It also includes recruitment agencies

The NREGA Job Card List is a list of names that have been selected for the Atal Pension Yojana. This list will be used in the future to select beneficiaries who will get their pensions after they die.

This section is about the NREGA Job Card List. This list of job cards is a must-have for all NREGA workers. The list was prepared by the government and it has been made available to all employers so that they can identify and hire the right workforce in their organisation.

Atal Pension Yojana (APY) is a new scheme launched by the government of India in order to provide financial assistance to people who are unable to get or pay for their pension due to old age or disability. APY will be given as per age group, with an initial amount of Rs 1,000 per month for every member of a family (or any other group). The scheme will also be open to women, children and senior citizens.

The NREGA Job Card list is a list of job cards that are available for the next six months.

The Atal Pension Yojana is a pension scheme that was started by the Atal Pension Yojana Scheme (APY) and the Employees' Provident Fund Organisation (EPFO). The scheme provides a monthly income of up to Rs. 1,500 to all government employees who have been with their respective organizations for at least three years.

The NREGA Job Card List is a useful tool for the poor in India. The list is of unemployed youth who are looking for jobs and are willing to work. However, this list is not updated on a regular basis so it can be a source of frustration to the poor when they have no job prospects.

Atal Pension Yojana (APY)

The Atal Pension Yojana (APY) is a pension scheme that provides pensions to retired people of India. APY was launched on 1st January 2016 with an initial corpus of Rs 1 lakh crore. This pension scheme will provide pensions for those who were born between 1950 and 1969, who will reach retirement age between 65 and 67 years and whose life expectancy at birth is less than 75 years. 

APY has been launched by the Union Government as an alternative to providing old-age pensions under the Seventh Pay Commission recommendations which were announced in November 2013 by then Finance Minister P Chidambaram on behalf of Prime Minister Manmohan Singh in Parliament. APY was

The NREGA Job Card List is a list of jobs that every Indian can apply for. It is also referred to as the 'job card'. The aim of the job card is to make it easier for people to find work and make it easier for them to get a job. This article will provide an introduction on how this list came into existence, what are the benefits of using the job card and how it can be implemented in our daily lives.

The Atal Pension Yojana was an initiative launched by the Government of India in 2015. It aims at reducing poverty among Indian households and making them eligible for various social security schemes such as pensions, provident fund, etc. The scheme was launched with an objective of providing a pension or provident fund to every household in India by 2022 (the date when all households would have access to pensions).

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PMSBY Registration 2021: Online Form | सुरक्षा बीमा योजना Eligibility

PMSBY Apply Online 2021 | PM Suraksha Bima Yojana Apply 2021 | प्रधानमंत्री सुरक्षा बीमा योजना फॉर्म | PMSBY Registration online.  दोस्तों जैसे की जानते हैं प्रधानमंत्री जीवन ज्योति बीमा योजना, प्रधानमंत्री सुरक्षा बीमा योजना, अटल पेंशन योजना को केंद्र सरकार द्वारा आम जनता को सुरक्षित जीवन व्यतीत करने के लिए शुरू की गयी है. जिनका उद्देश्य देश के सभी आम नागरिक को कम प्रीमियम मूल्य परबीमा जैसी सुरक्षित सुविधा प्रदान करना है. प्रधानमंत्री सुरक्षा बीमा योजना को वर्ष 2015 में शुरू किया गया था. PMSBY Application Form in Hindi pdf Download.

PMSBY Registration 2021 Online

 What is PMSBY? प्रधानमंत्री सुरक्षा बीमा योजना क्या है? इस योजना को वर्ष 2015 में शुरू किया गया था. इस योजना का उद्देश्य बीमा लेने वाले की अकस्मात (एक्सीडेंट) की वजह से मृत्यु हो जाती है या विकलांग होने पर 2 लाख रुपये की सहायता राशि प्रदान की जाएगी. अगर बीमा धारक आंशिक रूप से विकलांग होता है तो 1 लाख रुपये प्रदान की जाएगी. इस योजना के लिए 18 से 70 वर्ष की उम्र वाले आवेदक लाभ प्राप्त कर सकते हैं. इस योजना के लिए आवेदन करने के लिए और लाभ प्राप्त करने के लिए बैंक में खाता होना जरूरी है. जिसके माध्यम से आप सालाना प्रीमियम का भुगतान कर सकते हैं और योजना से जुड़ सकते हैं. योजना के लिए अगर आप आवेदन करना चाहते हैं तो आप बैंक एजेंट या डाक विभाग से संपर्क कर सकते हैं. यह योजना पूर्ण रूप से केंद्र सरकार के अंतर्गत है. योजना का प्रीमियम नियमित रूप से भर कर योजना का लाभ प्राप्त कर सकते हैं. - NREGA Job Card Apply online - PM Krishi Sinchai Yojana - Digital e-Rupi Kya Hai - CSC Service Center Near Me प्रधानमंत्री सुरक्षा बीमा योजना फॉर्म 2021 PM Suraksha Bima Yojana का लाभ कौन ले सकता है. jeevansuraksha.gov.in के माध्यम से आप जीवन सुरक्षा बीमा फॉर्म डाउनलोड कर नजदीकी बैंक के माध्यम से आप आवेदन कर योजना से जुड़ सकते हैं.

PMSBY Apply online 2021 योजना के लिए आपको सालाना महज 12 रुपये का भुगतान करना होगा. PMSBY Helpline number - 1800-180-1111 or 1800-110-001 के माध्यम से आप योजना से जुडी जानकारी प्राप्त कर सकते हैं या आप कोई प्रश्न पूछना चाहते हैं तो हेल्पलाइन नंबर के माध्यम से प्राप्त कर सकते हैं. योजना प्रधानमंत्री सुरक्षा बीमा योजना अंतर्गत केंद्र सरकार के अंतर्गत प्रीमियम मूल्य 12 रुपये सालाना शुरू की गयी प्रधानमंत्री नरेंद्र मोदी जी आवेदन पीएम सुरक्षा बीमा योजना रजिस्ट्रेशन 2021 आधिकारिक पोर्टल jeevansuraksha.gov.in आवेदक 18 से 70 उम्र के व्यक्ति PM Suraksha Bima Yojana Form 2021 हम सब जानते हैं बीमा योजनाओं के प्रीमियम ज्यादा होने की वजह से गरीब और कमजोर वर्ग के व्यक्ति बीमा जैसी सुविधाओं का लाभ प्राप्त नहीं कर पाते. इसीलिए केंद्र सरकार ने गरीब और आर्थिक रूप से कमजोर वर्ग के परिवारों को बीम जैसी सुविधाओं का लाभ प्राप्त कर सकते हैं. प्रधानमंत्री सुरक्षा बीमा योजना को केंद्र सरकार ने असंगठित क्षेत्र में नौकरी करने वाले या जो बीमा योजना के लिए ज्यादा प्रीमियम नहीं भर सकते. यह योजना ऐसे वर्ग के लिए शुरू की गयी है. इस योजना का उद्देश्य बीमा धारक की सड़क दुर्घटना में मृत्यु होने पर परिवार को आर्थिक सहायता प्रदान करना है. जिससे मुश्किल समय में आर्थिक समस्या का सामना ना करना पड़े. प्रधानमंत्री सुरक्षा बीमा योजना के लिए आपको केवल 12 रुपये सालाना भरना है. अगर बीमा पालिसी धारक की सड़क दुर्घटना की वजह से मृत्यु हो जाती है तो सरकार की और से 2 लाख रुपये तक की सहायता राशि प्रदान की जाएगी. PMSBY Application Form in Hindi, English, Bengali, Malayalam, Urdu, Marathi, Telugu, Tamil, Gujarati language. Pradhan Mantri Suraksha Bima Yojana is an insurance scheme for the Poor and EWS categories. - PMMVY Garbhvati Mahila Yojana - Patanjali Samridhhi Card Benefits - PMEGP Loan Apply online - EWS Certificate Status PMSBY Apply Online 2021 प्रधानमंत्री सुरक्षा बीमा पात्रता - PMSBY Eligibility criteria  - आवेदक भारत का स्थाई निवासी होना चाहिए. - योजना आवेदक गरीब और कमजोर वर्ग से होना चाहिए. - आवेदक की उम्र 18 से 70 वर्ष होनी चाहिए. - बैंक खता होना अनिवार्य है. - योजना के लिए सालाना 12 रुपये आपके खाते से प्रीमियम भुगतान के रूप में सालाना काटे जायेंगे PMSBY Documents Required - प्रधानमंत्री सुरक्षा बीमा योजना के लिए दस्तावेज - निवास प्रमाण पत्र - आय प्रमाण पत्र - BPL कार्ड - पहचान पत्र - आधार कार्ड - बैंक खाता नंबर - मोबाइल नंबर - पासपोर्ट साइज़ फोटो प्रधानमंत्री सुरक्षा बीमा योजना के लिए आवेदन कैसे करें? दोस्तों अगर आप प्रधानमंत्री सुरक्षा बीमा योजना के लिए आवेदन करना है तो सबसे पहले आपको जीवन सुरक्षा की आधिकारिक वेबसाइट से एप्लीकेशन फॉर्म प्राप्त कर डाउनलोड करना होगा.

PM Jeevan Suraksha Yojana Form 2021 एप्लीकेशन फॉर्म का प्रिंटआउट निकाल कर पूछी गयी जानकारी को ध्यान से भरना होगा.

PM Suraksha Beema Yojana form आप आवेदन फॉर्म अपने बैंक की शाखा से प्राप्त कर सकते हैं. फॉर्म में पूछी गयी जानकारी को भर कर मांगे गए दस्तावेज को फॉर्म के साथ लगाकर आवेदन कर सकते हैं. प्रीमियम राशि आपके बैंक खाते से हर साल अपने आप क्त जाएगी. केंद्र सरकार और राज्य सरकार की योजनाओं की जानकारी प्राप्त करने के लिए ऑनलाइन रहें. अगर आप योजना से सम्बंधित प्रश्न या जानकारी प्राप्त करने के लिए आप कमेंट बॉक्स में लिख सकते हैं. Read the full article

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Get a smart house in your smart city Bangalore

What comes to your mind when you heard the term Bangalore or Hyderabad, well yes a hi-tech city, cities which surround by an abundance of technology whether in terms of transportation or communication. But with facilities, there are expenses which are needed to be taken care of, so basically, a dilemma is always there whether to buy a house or look on to your pocket savings first.

Well purchasing a house might be an expensive thought for a while but, home loans in Hyderabad and Bangalore are available and over a single snap of your finger via Loans Paradise.

Home loans are always subjected to terms and conditions which are adhered to the market, home loans in Hyderabad and Bangalore generally comprise a long tenure of time that is 10-20 years of which are subject to the sanction of the loan amount.

Generally, the amount is in terms of lakhs, and in more rare cases it is in crores but the amount sanction for a large amount always comprises more collateral and assets. Generally, home loans in Hyderabad and Bangalore are not an easy way to be processed because of the conversion of

Commercial areas into special economic zones which tend to lack commercial areas and more demand for same, it tends to pay a good lump sum amount for even a small commercial plot.

Home loans are generally comprised of the major documentation processes and sometimes the house papers are kept within the bank until the repayment of the loan amount is not done as in form of collateral. Home loans were earlier not secured as there were major cases of fraud from property dealers or builders, thereby the central government introduces the NREGA act which now gives RTI to every owner to learn about their house after registration of their house.

Another scheme introduced by govt. was pradhan Mantri yojana house scheme where subsidy system was announced to fulfill dreams of many citizens to have a house. Loans Paradise plays an intermediate to just upload your legal documents and apply to this scheme and get our dream house in a hassle-freeway.

The rate of interest for home loans are quite high as in tenure of repayment is also for a longer period of time, as in you pay out interest amount the principal amount decreases gradually and more repayment of principal amount tends out earlier repayment of the loan amount which tend to low interest and less time of repayment.

House loans tend to be the mode of balance transfer as with a long time period of repayment the person gradually payoffs the majority of the loan amount and eventually balance transfer of the rest loan amount is done at lower or promotional interest rates, Generally, a balance transfer is done from bank to bank mode.

Home loans are also secured form of loan as mortgage loan but here amount of collateral collection is quite low or zero because a home loan is generally comprised of making assets.

So, left out all your worries behind and get, home loans in Hyderabad and Bangalore to have your dream house and get keys to entrance to it.

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What do you mean by AEPS? How does it work?

In order to facilitate further financial inclusion with either the Aadhaar card, Aadhaar Enabled Bank Account holders from deprived parts of the business have been given access to the banking system.

The UIDAI that further serves as a central authority towards Aadhaar however has joined forces with RBI and otherwise National Payments Company of India (NPCI) to somehow develop a platform that focuses mainly on the neglected segment to secure access to further banking through micro ATMs mostly via the Aadhaar authentication. You can easily become an Aeps Agent.

What is the Aeps?

The word Aeps, which is actually known as Aadhaar Enabled Payment System, and which aims to promote financial inclusion by Micro ATMs or POS which will then be set up by the business correspondent of further any bank by using Aadhaar-based authentication process. The Aeps enables a person to carry out 6 types of further transactions. Aeps Cash Withdrawal is very easy.

Under this Aeps, consumers are expected to have the following inputs in order to carry out transactions:

Aadhaar Number

Identification of the bank of which the customer is affiliated (IIN)

Fingerprint collected during registration.

Resources rendered by Aeps Id

The below is the list of particular Aeps Service:

Balance public inquiry

Currency Withdrawal

Mini Statement

Cash Depositary

Best Finger Identification

Aadhaar to Aadhaar Money transfer

Objectives of Aeps

The core goals of Aeps are as follows:

To allow banks in India to somehow route inter-banking transactions initiated by the Aadhaar through another central switching and otherwise clearing agency. Aeps Portal should be clean.

Building a solid base for a wide spectrum of Aadhaar-enabled particular banking services. Aeps Registration work is actually very easy.

To enable inter-operability through either banks in a safer and stable manner.

Building a solid base for a wide spectrum of particular Aeps Portals banking services.

To underpin the objective of the RBI in the electrification of retail payments.

Promote the entitlements of the whole Government, such as with Social Security pension plan, severely handicapped Old Age Pension Schemes, NREGA and otherwise so on, through Aadhaar, both central and otherwise state government entities. You should always get the Best Recharge Api.

To endorse the objective of the whole Government of India and therefore the National Central Bank (RBI) to promote financial inclusion.

How is Aeps working?

Step 1: Initially, the customer would have to provide details of his or her Aadhaar number, fingerprint data and otherwise financial transaction through micro ATMs. Best Recharge Api Provider is also more.

Step 2: More processing of the digital data that will be heavily encrypted will be actually sent to the UIDAI via the 'Bank ability to switch'

Step 3: The data will be checked and validated by the particular UIDAI and the outcome will be expressed either with now the YES/NO answer.

Step 4: If the answer is "YES," the commercial bank will start the necessary authorization.

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AEPS: A Complete Guide to Aadhaar Enabled Payment System

The Aadhaar enabled payment system or AEPS developed by the digital transaction body NPCI- National Payment Corporation of India is a kind of payment system that allows you to carry various financial transactions just with Aadhaar verification. The AEPS is based on the unique identification number which is the Aadhaar number. It permits the Aadhaar cardholders to initiate and complete a transaction seamlessly. The aim of the AEPS system of the transaction is to empower all the sections of society by making financial and banking services available just with Aadhaar . With this mode of transaction, you can transfer funds, make payments, deposit cash, make withdrawals, make an inquiry about bank balance, and more. In this post let us see everything about the AEPS (Aadhaar enabled payment system).

What is Aadhaar?

An Aadhaar is a 12 digit unique number that is provided by the UIDAI- Unique Identification Authority of India to the residents of India. The Aadhaar will be issued to any person irrespective of their age and gender. The biometric and demographic information of the candidate will be enrolled with the unique identification number.

Uses of AEPS

The Aadhaar enabled payment system is where an online financial transaction takes place at the point of sales. 6 basic types of financial transactions can be performed through AEPS which are as follows

The facility of Cash deposit

The facility of Cash withdrawal

Easy Balance inquiry

The benefit of Intra-bank or Interbank fund transfer

Hassle-free purchasing at fair shops

Obtaining a mini statement

Benefits of AEPS

AEPS banking aims to connect all sections of society through various Aadhaar empowered Banking services. Various benefits of AEPS are as follows:

Easy to use

It is completely safe and secure

It can be interoperated with various banks

It boosts financial inclusion and helps the underprivileged segment of society to make hassle-free transactions.

The users can access their Aadhaar linked bank accounts through Aadhaar authentication.

The only prerequisite that is required for making a transaction is to have an Aadhaar number and respective biometric information.

The payment of various government schemes such as Social Security pension, NREGA Handicapped Old Age Pension, etc. provided by the state or the central government can be obtained easily.

What do you need?

The AEPS system doesn’t need any card or document but you have to link your Aadhaar to the bank account. Once you have done that, you can enjoy seamless transactions through the AEPS system.

Aadhaar Number

Biometrics –Fingerprint

Name or Bank IIN or Issuer Identification Number

Micro ATM

Assisted mode

How to make a transaction through AEPS

Step 1: Visit the nearest micro ATM or AEPS service providing company and make sure that they are registered with your corresponding bank

Step 2: Enter the 12 digit Aadhaar number and your bank name.

Step 3: Select the type of transaction that you want to perform- Cash withdrawal, Cash deposit, Intrabank or Interbank fund transfer, get a mini statement, or Balance inquiry and enter the amount of transaction.

Step 4: After choosing the transaction type, provide authentication through biometric such as fingerprint or iris scan.

Step 5: The transaction will be done within no time and collect the receipt.

Bottom line

Visit the best AEPS service provider for seamless transactions. FinAEPS is one product from Finacus Solutions which will help you in making all your transactions hassle-free and simple. This is not only a boon for people in cities but it is also a great solution for people in secluded areas. Request a Demo now for more details.

[getallsarkariyojana]

New Schemes NREGA Job Card List and Atal Pension Yojana

The National Rural Employment Guarantee Act (NREGA) is a Central government program that guarantees 100 days of employment to every rural household in India. The Atal Pension Yojana (APY) is a social security program introduced by Prime Minister Narendra Modi in May 2016. It provides pension insurance and other financial assistance to the elderly, the disabled, and the unemployed in India. These two schemes have recently been updated with new schemes, job cards, and more. In this post, we will explore these updates and what they mean for you as an individual or business.

New Schemes NREGA Job Card List

The National Rural Employment Guarantee Act (NREGA) provides a nationally-level guarantee of jobs to eligible households in rural areas. In order to ensure that the scheme reaches all eligible households, the Employment and Training Ministry has launched a new job card scheme. The job card scheme will help identify the eligible households and provide them with employment guarantee cards. The cards will also help identify the beneficiaries who are likely to be most benefitted from NREGA employment. The new job card scheme is based on the Atal Pension Yojana (APY). Under APY, the state government pension fund manages a corpus of savings that is targeted at providing pensions to low-income elderly people. The Employment and Training Ministry has used APY as a model for its job card scheme because it allows for easy identification of eligible households and efficient targeting of employment guarantee benefits. The job card scheme will be implemented in three phases. In phase 1, which is scheduled to start in early 2017, all states will be involved. In phase 2, which is scheduled to start in early 2018, Uttar Pradesh and Bihar will be included, and in phase 3, which is scheduled to start in early 2019, all other states will be included. The job card scheme will use two data sources: household survey data collected by state governments under NREGA and information collected by banks about beneficiaries' bank accounts. Household survey data will be used to identify the number of residents in each household who are

Atal Pension Yojana

The Atal Pension Yojana (APY) is a new pension scheme which was announced by Prime Minister Narendra Modi in July 2015. The scheme is aimed at providing a basic pension of Rs. 1,000 per month to the elderly and the disabled. Eligible individuals will need to register for the scheme and provide proof of identification and residence. To date, the APY has been launched in eight states: Andhra Pradesh, Gujarat, Haryana, Himachal Pradesh, Jammu and Kashmir, Karnataka, Madhya Pradesh, and Rajasthan. To be eligible for the APY, an individual must have completed 60 months of employment with an employer who has registered for the scheme. The APY will be available to both salaried employees and contractual workers. To receive payments under the APY, an individual will need to enroll in one of the state-run Citizens' Savings Banks (CSBs). As of September 2016, there were over 500 CSBs operational across India. Payments under the APY are made monthly on behalf of enrolled beneficiaries and can be withdrawn from any ATM. Beneficiaries do not require any documentation other than their Indian ID card to withdraw payments. The APY was first offered as a pilot project in two states – Andhra Pradesh and Rajasthan – in October 2015. The pilot project was successful and led to the expansion of the scheme to eight additional states in 2016. The Scheme has been met with

Conclusion

The latest schemes launched by the government of India are NREGA Job Card and Atal Pension Yojana. The goal of these two schemes is to provide a financial support to the rural population so that they can improve their socioeconomic conditions. With this, the beneficiaries will be able to access critical services such as education, health care, and employment opportunities.

[politicsforall]

I would like to refer Dr. Singh exactly to what people say about, Late. #Atalbiharivajpayee ji i.e. “The Right Person in the Wrong Party”. Personally, I have been an admirer of his works and contributions for India.

As I have always said, Every PM has brought something or the other on the table and the contributions of Dr. Sahab are substantial, commencing from his role as an #RBI #Director to #RBI #Governor and the Principal position of a Finance Minister in #PVNarasimhaRao’s cabinet, wherein Dr. Sahab along with my regarded Guru Shri. SubramanianSwamy and needless to say that, under the exceptional and dynamic leadership of Shri Narasimha Rao, we were gifted with (LPG) Liberalization, Privatization and Globalization. Had the step not been taken then, I wonder what mishap would have followed.

Singh Sahab presided over a rapidly expanding economy, but rising fuel costs resulted a sharp increase in inflation that threatened his government’s ability to provide subsidies to the poor and capturing the satisfaction level of our middle class.

Nevertheless, with his prudent skills we got into a nuclear fuel agreement with the USA.

The introduction of Special Economic Zones with a view of attracting investments into the country and promoting economic activity.

Introduction of the socialist scheme National Rural Employment Guarantee Act (NREGA) in 2005 which has since then provided livelihood, employment to rural communities.

(Particularly, in these challenging times of #ChineseVirus, we have seen the benefits of such schemes)

However, there is a certain unequivocal reality, Dr. Sahab was not able to provide a strong leadership to the subcontinent, and some of his party members including the Chairman of UPA Shri. Antonia Maino exploited his soft functioning thereby displaying a negative image of him as a PM. Maybe you’re were not a politician Dr. Singh but surely an exceptional Economist.

Thank You Shri. #ManmohanSingh ji for your contribution to India’s growth story.

[liveindiatimes]

Lack of robust stimulus may worsen slowdown - business news

https://www.liveindiatimes.com/lack-of-robust-stimulus-may-worsen-slowdown-business-news/

The centre’s stimulus package may have an impact of only 1-1.5% of gross domestic product (GDP) on the exchequer, with the government relying more on liquidity support measures. With the government further extending the lockdown till May 31 to curb the coronavirus pandemic, the lack of substantial demand stimulus may further deepen the economic downturn in the short run.

Finance minister Nirmala Sitharaman announced the fifth and last tranche of measures with a Rs 40,000 crore increase in allocation for the rural jobs scheme. With earlier announcements by the government, including the Rs 1.7 lakh crore under Pradhan Mantri Garib Kalyan Yojana, most analysts put the total fiscal impact between Rs 2-3 lakh crore in FY21. The total package, however, exceeded PM Narendra Modi’s announcement of Rs 20 lakh crore, with the finance ministry factoring in Rs 8.01 lakh crore liquidity infusion by the Reserve Bank of India.

Also Read: NREGA outlay, cap on state borrowing hiked in fifth round

The announcements, however, failed to enthuse many economists who said the absence of a robust stimulus programme may fail to reinvigorate economy.

“In the absence of a proper stimulus, we are looking at a contraction of 9% in GDP in FY21,” former chief statistician Pronab Sen said. “The announcements will help a little but are not enough to change the projection. We should actually have a proper fiscal stimulus of Rs 8-10 lakh crore. Even before covid-19, we had a demand problem and we were talking about fiscal deficit should be closer to 5% of GDP.”

Asked whether the threat of a rating downgrade prevented the government from going for a larger package, Sen said: “If in a crisis of this kind, you are worried about rating agencies, then something is wrong with you. Who cares more about foreign money than about your own people,” he said.

Also Read: Economic package will have multiplier effect: Nirmala Sitharaman

Fitch Ratings and Moody’s Investors Service have cautioned that the country’s sovereign rating could be downgraded if its fiscal metrics weaken materially. However, batting for pump priming of economies across the world, International Monetary Fund chief economist Gita Gopinath last month said while a substantial fiscal stimulus will push up the fiscal deficit and debt-to-GDP ratio of economies, lack of proactive fiscal policy could put them in a worse place with collapse of economic activity.

DK Srivastava, chief policy adviser at EY India, said the limited demand stimulus of about Rs 2 lakh crore would imply a lowering of growth than what otherwise would have been possible and, therefore, a lowering of tax revenue, and in general, a delay in the overall recovery. “It would be low growth at least for six quarters before a clear upward trend in growth emerges. More direct stimulus should have been given rather than relying on credit guarantee schemes where the impact depends on private sector behaviour,” he said.

Click here for the complete coverage of the Covid-19 pandemic

Pranjul Bhandari, chief economist at HSBC India, said as the lockdown eases gradually, postponed consumption demand and inventory restocking demand could provide a growth push. “Once that wave is gone, India may not have a strong driver of growth, especially given weak labour markets.”

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[pyaarkabandhanhailol]

In Jaipur, Rajasthan. "Aap kya chahti hain, aapke bacchey badey hokar kya baney?" (What do you wish for your children to be once they grow up?) - "Jo aap banayengey, voh ban jaayenge." (Whatever you turn them into, they will become.) A research paper can lead you to extraordinary places. This particular group of women belong to the 'Meena' caste/Varna, a community which falls under the list of 'Scheduled Castes' as compiled by the government of India. This caste is notorious for its tradition of demanding a large dowry from the bride's family during marriage. Coincidentally, the threat of giving their daughter's dowry at the time of marriage is the leading cause of female infanticide. Further, they are also 'BPL', with a haphazardly painted sign on each of their doors claiming they are 'Below Poverty Line'. The very existence of a 'Poverty Line' is problematic, as the poor are mostly those who belong to the backward castes, and who are also not given access to basic amenities- such as water from wells- by the upper/dominant castes. They are also recipients of the NREGA scheme, which is the National Rural Employment Guarantee Act- which promises them 100 days of guaranteed employment by the federal government structure. This scheme is often poorly implemented, and has most recently come under the scanner for the vast wage-gap between men and women, with women getting as little as 78% of the minimum wage that men get paid. All these labels, all these schemes promising equity, and yet these women, these CITIZENS of INDIA, endowed with FUNDAMENTAL RIGHTS, enfranchised, continue to live like they have always lived- in a patriarchal society, deprived collectively because of their sex, caste, and region. While our government sits comfortably; envisioning an egalitarian, utopian society, and every politician doles out promises by the dozen, the aspirations of these women, their hopes and dreams, are heard by none. P.S. I came across them through an NGO which focuses providing quality education to children, and (in true Vygotskian fashion) involving the community in the process. Being an undergraduate still, I need to wait another year till I get my degree, through which I can volunteer and work at the grassroot level, and bring meaningful change to their lives. Until then, I can only draw attention to this facet of 'the Indian Woman'. Hopefully this provides any reader with relevant context for intersectional feminism, and why it is so important to derail the 'status quo' which many 'male'volent elements strive to maintain!

[mosworldbusiness]

What Is AEPS banking Service And How It Can Help Rural India

Aadhaar Enabled Payment System (AEPS) is a type of payment system that is based on the Unique Identification Number and allows Aadhaar card holders to seamlessly make financial transactions through Aadhaar-based authentication. The AEPS banking service aims to empower all sections of the society by making financial and banking services available to all through Aadhaar.

Services Offered by AEPS Banking Service:

Cash Deposit

Payment Transactions (C2B, C2G Transactions)

Balance Enquiry

Cash Withdrawal

Aadhaar to Aadhaar funds transfer

Features & Benefits of AEPS Banking Service:

Easy to use

Safe and secure payment method

Interoperable across various banks

Through AEPS, all bank account holders will be able to access their bank accounts through Aadhaar authentication

With AEPS, the only information required to initiate a transaction is Aadhaar number and biometric information

AEPS facilitates disbursements of Government schemes like NREGA, Social Security pension, Handicapped Old Age Pension etc. of any Central or State Government bodies using Aadhaar authentication.

How it is helpful to rural India:

In rural area’s - retail shopkeepers as well as Individuals & business startups can start AEPS banking service. As banks and ATM’s are far away in villages, the AEPS banking service can be of great help to people in rural India to get banking services from the nearby retail shops & locations, thereby saving a lot of time for them. 

[tech2dna]

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[postolo]

Aadhaar Hearing [Day 6]: Shyam Divan argues on the issues of Identity and Savings; To conclude his submissions on next date

On Day 6 of the Aadhaar hearing, Senior Advocate Shyam Divan continued his submissions before the 5-judge bench of Dipak Misra, CJ and Dr. AK Sikri, AM Khanwilkar, Dr. DY Chandrachud and Ashok Bhushan, JJ. When Shyam Divan argued on the point of centralisation, a discussion took place between the Bench and Shyam Divan on the issue. Read on to know what all happened on Day 6 of the Hearing:

Discussion on the specific problems with Aadhaar:

Chandrachud, J: There are multiple interfaces between individual and State such as tax, electricity bills etc. Suppose instead of Aadhaar you are required to use a PAN card. How would that be different? Your argument seems to be a problem with centralisation. Is it the centralisation that what makes it unconstitutional? Because every time I use a device with an IP, say to book an Uber, my location can be tracked. What is the specific additional problem with Aadhaar?

Shyam Divan: The first problem as you have correctly pointed out is centralisation. Normally, you have information silos.

Chandrachud, J: But they are all tracking your location, that is a common denominator.

Shyam Divan: This is where the ECHR judgment in Digital Rights judgment comes in. They said “you cannot *maintain* logs.” Why? Because it is one thing if a particular utility provider knows about your location. But what happens with centralisation is you have complete tracking. In the present regime that allows tracking of IP + ID. Look at the situation 25 years from now. If we fail in this case, 25 years from now we will be addressing “Aadhaar judges.” Because there is a full log. Right now – schools and scholarships. They are planning for airports as well. At this point you have multiple IDs. Take the PAN card example. You give one ID, you are identified, you avail your benefit. There is satisfaction with respect to the authority, and there’s no question of surveillance. I’m not saying that somebody is sitting behind the screen and watching. It’s about the architecture of the program and this is why it’s never been under proper scrutiny. No other free liberal society in the world has tried this because it simple wouldn’t pass muster.

Chandrachud, J: What if someone else like a bank offered to make all your transactions for you and you set standing instructions, like for insurance payments, bill payments, car instalments etc. What is the qualitative difference? My bank maintains a central repository of all my transactions. We’re constantly entering into a world of surrendering our identity – it may be a choice but it’s still a central database. If we’re willing to surrender our identity, then does the fact that the State is collecting information make a difference? would it be satisfactory if there were norms governing collection and use?

Shyam Divan:

This is not a question of checks and balances, because the architecture is that of pervasive surveillance. I am alive to the concern that you cannot go back to the pre-digital age, and this is not what I am suggesting.

Aadhaar is premised on the assumption that we are a nation of knaves. This represents a complete breakdown of trust, because the presumption is that if you don’t have Aadhaar, then you’re a crook.

An individual is entitled to develop her personality without being tracked and registered. In a liberal democracy, routine everyday transactions cannot be made conditional on a barter of your biometric information.

Elements of Limited Government:

An element of limited government is that it is a shared enterprise between the people and the government.

Another element of limited government is autonomy and the idea of space – the idea that I can do something without the State necessarily knowing.

A final element of limited government is the idea of giving citizens a choice in establishing an identity.

State has advanced two justifications – giving people an identity, and savings. Both these claims are undermined by the State’s own documents.

Identity:

Introducer System:

Aadhaar enrolment system requires a pre-existing identity, and if you don’t have it, then an Introducer is required. According to government statistics, the number of people who used the Introducer system is 0.03% (a little over 2 lakhs). Consequently, the question is that can such small numbers justify such a vast an invasive system. We are not saying that identity is not important for the small number who didn’t have it, but the point is whether it is justified to resort to Aadhaar.

We are only pointing out that one of the State’s core justifications for this project is not borne out by the facts. (When Bhushan, J said that numbers will not make a difference either way.)

Types of malpractices:

The first is that you fake your data and claim to be eligible when you’re not.

Second, quantity fraud.

Third, identity fraud: Aadhaar can at best only deal with the third type of fraud.

Savings:

World Bank Claim:

The World Bank has estimated a saving of 11 billion dollars per annum. Union has relied on this. Union of India has said that the World Bank is independent and will not indulge in puffery.

Recently Paul Romer resigned from the World Bank citing no integrity in the data. This is one excellent example. There is some dispute over what exactly the pleadings were with respect to the issue of puffery.

The State’s claims are based on the enrolment percentages, which amount to puffery, because enrolment has been not limited to citizens, and there has been no oversight.

The World Bank claim footnoted a 2011 article which made no such claims. That article used the 11 billion figure to talk about transfers from five schemes, and talked only about the value of the transfers. Therefore, the World Bank claim stands discredited. The figure was the total disbursement. There was no mention of savings.

Maybe the World Bank didn’t know, but the government official who signed the affidavit surely should have known that this figure is wrong.

MGNREGA:

The Union has claimed DBT benefits and Aadhaar savings as 11741 crores. UIDAI records show that the 74 lakhs NREGA job cards were seeded with Aadhaar, out of which out 67000 were found to be bogus. These were all in Tripura. A Lok Sabha question was asked, where the figure given was 63000. Aadhaar, therefore, eliminated 63000. The maximum savings this would yield is 127 crores. This is less than 5% of the claimed saving of 3000 crores.

In an RTI questions were asked about the scale of savings and the method. No specific methodology was provided. It was just said that savings are in terms of efficiency and reducing delay. Nothing about fraud. In another year 93000 job cards were canceled, but many far reasons other than them being fake. In an RTI reply it was found that the number of cards canceled for being fake were 1%.

LPG Subsidies:

The LPG linking began as a pilot in 2014. The figures given in UIDAI affidavit is 14000 crores of savings. However, cabinet secretariat minutes show an annual subsidy saving of 91 crores. Compare 14000 with 91. What happened was that long before Aadhaar, the NIC came up with a scheme to weed out duplicates. The savings occurred long before Aadhaar.

The CAG report is specifically with respect to the implementation of the LPG linking scheme, and the CAG has specifically said that you cannot attribute the savings to the Aadhaar linking, because the savings come from the NIC’s earlier program to weed out duplicates. In fact, the CAG specifically said that part of the savings is because of people not linking Aadhaar. This actually points to exclusion. So what really is the scale of the savings then?

Starvation deaths because of Aadhaar Linking Failures:

An affidavit by a fieldworker on the Jharkhand NREGA program recounts starvation deaths that occurred in Jharkhand because of Aadhaar linking failures.

The affidavit recounts the testimonies of family members who said that individuals gradually starved to death because they were dependent on their grain entitlement, which in turn was linked to Aadhaar.

It recounts villagers” testimony about ration dealers tampering with the Aadhaar grain records to hide leakages.

It recounts testimony about pension not being credited because Aadhaar was linked to more than one account, and the pension was sent elsewhere. The bank manager said that it was a technical glitch.

Shyam Divan will conclude his arguments on the next date of hearing and the case will be taken forward by other counsel for the petitioners. Bench will continue the hearing on next Tuesday 06.02.2018.

On Day 5 of the hearing, there was a detailed discussion between Bench and Shyam Divan on the issue of surveillance.

Also read the highlights from Day 1, Day 2, Day 3 and Day 4 of the hearing.

Source: twitter.com/gautambhatia88

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[wionews]

Opinion: Rahul is the Man of the Match. Modi is the Man of the Series

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Narendra Modi clinched a victory for BJP in Gujarat. He ensured it by consolidating his party’s base in urban India. He has given a new political mantra for his party to function: hope and fear. Evidently, Indian politics has the potential to behave as T20 match and Test cricket at the same time. Gujarat result is an example in case.

Rahul Gandhi despite the loss, took away the sheen from BJP’s victory. Under his leadership, the Congress brought the BJP down to a two-digit victory, making him the Man of the Match. Narendra Modi, however, remains the Man of the Series when it comes to elections. Modi proved, again, that he is the only one who has the stamina to either change the public mood or arrest a tsunami.

Also read: In spite of GST, how Modi won Gujarat

Gujarat election changes a couple of things in the political narrative. It proves that Narendra Modi will not shy away from taking the battle to any level, provided it led to victory. Clearly, he is the only one in Indian politics who has the capacity to shape the mood of the voters if not completely shift them. It shows that Modi treats elections like a battle to be won at all the cost, and rest of the issues are shoved at the periphery.

Whether it is the dinner diplomacy gaffe or Mani-Kapil's quick mistakes between the wickets, the urban audience in Gujarat reacted positively to Modi’s jibe. Urban Gujarat chose Modi despite economic distress. Ultimately, the Prime Minister is their original poster boy. To take him down would mean taking one’s own down.

On the day Rahul Gandhi took over as the Congress President, the former Prime Minister Manmohan Singh spoke of politics of hope and fear. He said that hope must triumph over fear. The results in Gujarat show that for urban India the hope and fear do not exist in a binary but are intermeshed.

It was best reflected by the speeches of the prime minister on the 'neech' comment, dinner and temple issue. Both fear and hope were stoked at the same time. The hope was in the assertion of majoritarian politics and the fear was the return to a state where minority voice mattered.

Also read: Rahul, Hardik run out BJP at 99

Rahul Gandhi did neutralise his anti-Hindu stance which he inherited during 2014 elections but the political memories of hard secularism came flushing back into the electoral arena because of the mistakes committed by Congress leaders and activists. It is not to say that BJP supporters don’t use abusive language. In fact, the correct picture is that twitter handles of far-right supporters have been far more abusive and rest seems to be only catching up now.

The challenge for Rahul Gandhi is to break this matrix put in place by the BJP which thrives on hard Hindutva during elections, and once the race is won it goes back to sabka saath sabka vikas. It works on fear and hope at the same time. It is also married to new and some repackaged government schemes which are all attributable to Narendra Modi.

The only thing attributable to Rahul Gandhi today is the extension of NREGA throughout India. However, it is a distant memory today. It is this politics of hope and fear which Rahul Gandhi has to battle as it is enmeshed with fear of the return of massive corruption and minority politics. The hope is pinned on assertive India sitting on the stool of identity.

Rahul played the match well and lost. The vote share difference was again 8 per cent but rural Gujarat supported Congress. It reinforces the image of Congress as a party which takes up agrarian issues more than BJP. He won admiration from both his own party and other regional players. This has happened for the first time. He has received sympathy and grudging respect. To borrow it from "The Last Jedi", the BJP should hope that Rahul doesn’t become the spark which fires up the entire Opposition, which today is in the doghouse, lying straight on the ground.

Also read: What BJP and Congress learned from Gujarat elections

(Disclaimer: The opinions expressed above are the personal views of the author and do not reflect the views of ZMCL).

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