Imagination is the beginning of Creation

” Imagination will often carry us to worlds that never were. But without it we go nowhere”. – Carl Sagan

Imagination is not only fun but also liberating. It liberates us from the gravity of what we know as real and as possible, opening up avenues that never existed before. Imagination leads us to better and better versions of ourselves just like a high-definition TV is clearer, crisper and more dynamic version of the first black and white TVs from last century. How about we take on the activity of lifting all restrictions and all constraints on who we are and what is possible for us and create a brand new vision for our lives? This does not mean we need to drop all that is great about ourselves and start from scratch

. We just take ourselves as we are and where we are and build from there. Let’s see if new realizations and discoveries about our inner desires and dreams are revealed to us. We can start there. From that, we can cherry-pick and with complete attention design the vision we want for ourselves and create goals to bring us there. Let your imagination give you wings.

 In short, to “Imagine”, is to reason. Imagining is to the mind, what beating is to the heart, a cavalier, incognizant, untamable reflex; so why write an essay on the basis of such a monotonous concept, the answer is simple, I do not intend to. My favorite word is, “Imagination”. You see whilst to imagine is to take a step to preserving life, it is imagination that qualifies us to imagine. People fear the feral nature of the mind, because its capacity is endless, it encompasses every feeling ever felt, every thought ever had, and yet still opens its doors to the unknown.

The untrained mind is a beautiful thing, because it holds no prejudice, it is saturated with one’s most sincere and candid beliefs, it is so true unto itself that one must solicit the mind to liberate the words to speak. If the makings of the mind could be projected for all to see, a whole new life would be born, broadening the spectrum from romantic to sinister idealism, with all in between having their essence crudely accentuated.

Though it is fascinating to delve into the depths of the mind, “Imagination” is to each its own, and for the absence of an oral medium, we must make our peace with the words we speak. “Imagination” in its truest, most organic form, is too innocent and naďve to feature in reality. If there is a world outside the one we live in, then let it be a creation of the mind, for in the words of John Lennon “You may say I’m a dreamer, but I’m not the only one”.

The importance and influence of imagination on the creation and critique of literature varies between and within various artistic eras. Originally seen as an aberrant function of the mind, imagination was subservient to the powers of reason and order. Art involved mere replication of the real, a craft rather than an unique act of creation. Beginning as early as Aristotle, however, human imagination has been linked to the power and value of art. The ascendancy and, in some eras even superiority, of imagination as a potent mental faculty gave birth to new critical enterprises bent on articulating the manner, motivation, and merit embedded in art and the artistic process. 

Imagination is a natural structure of the mind which must be trained or attuned to appreciate the greatness of art, to develop a meaningful standard of taste. Where Hume addresses the critic, Johnson’s attention is fixed on the writer and the duty of each writer “to increase prudence without impairing virtue”. Imagination is both the key and the obstacle to Johnson’s moral vision of art. In order to inspire an audience toward goodness, an artist must possess a fertile and ever expanding imagination. “Whatever is beautiful, and whatever is dreadful, must be familiar to his [the poet’s] imagination… for every idea is useful for the enforcement or decoration of moral and religious truth”.

Imagination is good when its powers are given direction, moral purpose. Johnson assumes a somewhat utilitarian attitude toward imagination; the value of imagination is dependent on its usefulness in attaining or helping others to attain virtue. Unchecked, imagination promotes virtue and vice ambivalently. Imaginative freedom must only exist within the bounds of an imminently rational moral code. Romantic critics turn the Eighteenth Century division between reason and imagination to their own poetic and critical purposes. 

Imagination is a creative power that is necessary for inventing an instrument, designing a dress or a house, painting a picture or writing a book. George Bernard Shaw. Imagination is not only fun but also liberating.

Imagination, also called the faculty of imagining, is the ability of forming mental images, sensations and concepts, in a moment when they are not perceived through sight, hearing or other senses. Imagination is the work of the mind that helps create. Imagination helps provide meaning to experience and understanding to knowledge; it is a fundamental facility through which people make sense of the world, and plays a key role in the learning process. Imagination is the faculty through which we encounter everything. The things that we touch, see and hear coalesce into definite forms through the processes of our imagination.

One person I’m glad I met

We all meet people in our lives, and they shape us into the people we are, whether we are aware of it or not. However, there are some people in our lives who know just how much they have changed our lives, and have helped us to become the person we are today.

The one person I am glad to have met is one of my best friend, life, love, other half. We met way back when i was in ninth grade, when I was young and foolish, and had a very narrow mindset about a lot of things. However, through the year, we became good friends, and I slowly felt myself becoming more open minded.

The one year of school we drifted, until high school brought us back, and from there our amazing friendship flourished. I learned many new things from him. I learned what it means to be adventurous, not care what people think, stand up for myself and I became more aware of the world around me, and more open minded about things I definitely wasn’t open minded about before.

He made me a better person, one that I am proud of today, and if it weren’t for him, I might not be this person that I am.

I’ve learned to question things. I’ve been inspired to create things, think things, do things I’ve never created, thought of or done before. He has brought wonder and magic into my life, and stern words and important lessons that I’ve needed to hear as well, all when necessary.

Meeting you may have been a blessing in disguise. At first I thought you were just another guy, but I soon figured out this wasn’t the case. You were different.

You showed me what it’s like to meet someone and have an instant, undeniable connection with them. That type of connection which makes you question every other emotion you’ve had towards someone.

You showed me that I am capable of having feelings for someone even though I’ve felt so numb to the world for so long.  I had so many reasons to push down almost every emotion. There was pain and anger and uncontrollable heartbreak. But you lit a spark under my heart.

Thank you for that.

You showed me that someone is capable of being interested in me even though I’ve convinced myself I am the girl no one will never love. So, I owe practically my life to him. I wouldn’t be the person I am without him, and for that, I feel blessed.

CBSE Class 10, 12 results 2020: Timeline of what has happened so far

CBSE Class 10, 12 results 2020: The COVID-19 outbreak not only hampered this year’s academic schedule of the board, but also of the coming year as the board was compelled to reduce the syllabus.

CBSE Class 10, 12 results 2020: In what seems to be a first, the Central Board of Secondary Education (CBSE) recently cancelled the board examinations, taking note of the situation prevailing due to the coronavirus pandemic. The CBSE class 10, 12 students will now get their results by July 15, under a special scheme.

The COVID-19 outbreak not only hampered this year’s academic schedule but also had an impact on the coming academic year. With schools shut and lesser instructional hours for teachers, the board has reduced the syllabus for the 2021 batch.

June: CBSE cancels pending 10th, 12th exams

Deviating slightly from its earlier stance, CBSE decided against conducting the class 10 board exams, while class 12 students were to have an option to appear for the pending exams later. The students who thought they were disadvantaged by the internal assessment system were given a chance to opt for improvement exams at a later date. The date is yet to be announced.

HRD minister Ramesh Pokhriyal discusses CBSE exam result

HRD Minister Ramesh Pokhriyal Nishank on Tuesday, July 7 held a meeting with officials of the ministry and Delhi University regarding a synchronised calendar for varsity admission and board exam results.

Smart Cities Mission

National Smart Cities Mission is an urban renewal and retrofitting program by the Government of India with the mission to develop smart cities across the country, making them citizen friendly and sustainable.The Union Ministry of Urban Development is responsible for implementing the mission in collaboration with the state governments of the respective cities. The mission initially included 100 cities, with the deadline for completion of the projects set between 2019 and 2023. On 7 September 2019, the 10,000-acre Aurangabad Industrial City (AURIC) in Aurangabad, Maharashtra was inaugurated as the first greenfield industrial smart city of India.

Cities accommodate nearly 31% of India’s current population and contribute 63% of GDP (Census 2011). Urban areas are expected to house 40% of India’s population and contribute 75% of India’s GDP by 2030. This requires comprehensive development of physical, institutional, social and economic infrastructure. All are important in improving the quality of life and attracting people and investment, setting in motion a virtuous cycle of growth and development. Development of Smart Cities is a step in that direction.

The Smart Cities Mission is an innovative and new initiative by the Government of India to drive economic growth and improve the quality of life of people by enabling local development and harnessing technology as a means to create smart outcomes for citizens.

Smart Cities focus on their most pressing needs and on the greatest opportunities to improve lives. They tap a range of approaches – digital and information technologies, urban planning best practices, public-private partnerships, and policy change – to make a difference. They always put people first.

In the approach to the Smart Cities Mission, the objective is to promote cities that provide core infrastructure and give a decent quality of life to its citizens, a clean and sustainable environment and application of ‘Smart’ Solutions. The focus is on sustainable and inclusive development and the idea is to look at compact areas, create a replicable model which will act like a light house to other aspiring cities. The Smart Cities Mission is meant to set examples that can be replicated both within and outside the Smart City, catalysing the creation of similar Smart Cities in various regions and parts of the country.

The total number of 100 Smart Cities have been distributed among the States and UTs on the basis of an equitable criteria. The formula gives equal weightage (50:50) to urban population of the State/UT and the number of statutory towns in the State/UT. Based on this formula, each State/UT will, therefore, have a certain number of potential Smart Cities, with each State/UT having at least one. The number of potential Smart Cities from each State/UT will be capped at the indicated number. This distribution formula has also been used for allocation of funds under Atal Mission for Rejuvenation and Urban Transformation – AMRUT.

The distribution of Smart Cities will be reviewed after two years of the implementation of the Mission. Based on an assessment of the performance of States/ULBs in the Challenge, some re-allocation of the remaining potential Smart Cities among States may be required to be done by the Ministry of Urban Development.

What makes life beautiful?

The most beautiful thing about our life is that it works in a mysterious way. Sometimes, dwelling upon the past, clinging to things we desire most, chasing our passion, overthinking our problems don’t help us much and we find ourselves stuck at the same place even after years with slight or no change in our lives.

May be sometimes it’s essential to be truthful to ourselves and keep doing what we are meant to do every single day because it would just take one second for every thing to change. A single decision of someone, one random event, thought or proposal and our life will change it’s entire course. Read that again because the message is more powerful than we think.

For years, I have been imagining myself on a magical stage, with an overhead spotlight, glistening every cell of my outer body. My eyes are sparkling, heart sinking in fear and yet I am holding myself all together in front of the huge crowd whose faces are barely vivid. I see myself taking small walk on stage, gesturing my hands, occasionally stopping to make a point and smiling at my audience. I have witnessed myself doing this in the closed room with no particular intention in my mind. I have practiced telling stories, rehearsed in front of the mirror, recorded my audio, listened how my voice sounded while I spoke and all that I have imagined is about to happen.

The power to imagine things and events happening for real in front of our eyes, mind and in our dreams is beyond comprehensible. Everything that I have achieved and enjoyed in my short life is the manifestation of the image I created in my mind. I always imagined being surrounded by quality people, eating healthy food, earning just sufficient money, being loved, writing and inspiring others through my actions and that’s exactly how my life has unfolded. I have never asked for any of this exclusively. I have only imagined myself in a situation which I prefer and where I find myself physically and emotionally comfortable.

Visualisation is one step ahead of positive thinking. The research has proved that our subconscious mind doesn’t know the difference between what we want and what we don’t, what is right and what is wrong. All it does is, bring to life the thoughts and characters we create inside our mind.

We can easily see that when, instead of letting the hungry husband dive into the sumptuous dinner before us, for example, he’ll still have to wait because we are going to take pictures first (for IG perhaps!) before the nice arrangement is messed up. Instead of sitting quietly down to dinner, thank the Lord for the good food and ask Him to bless it, then share it with the ones we love gathered around, our thoughts and actions are centered on sharing it first to the world. We make these little decisions for the sake of the world and not for us.

Now, if we fail to show our moments to the world before they come to pass, we feel like there’s something lacking in our lives. But, this shouldn’t be the case. Our lives should be lived to satisfy us and not the world through its “likes and comments”.

Is life beautiful because a photo shared is scooping up “likes” by the hundreds or even thousands? Is that the gauge?

I’m learning, dear readers, I’m learning!

What makes life beautiful? Is it what people see on the outside? Or is it essentially the life on the inside, the one that cannot be seen? The one that is sturdily connected to its Creator and Sustainer and Savior? The one that is whole and full and complete enough in its God it doesn’t need glorying in “likes”? The one that doesn’t need to show off because it is happy and contented in itself?

I am learning hard, yes, on how to live this one life in contentment in God and not in the world. Sometimes, we think that striving to make our lives beautiful for others to admire and emulate is the way to happiness, but I believe that we need to create first a place in our inmost being that is authentically contented, happy, and grateful before it can even be called beautiful. Our lives should deeply satisfy us first before it can attempt to satisfy others. They should be loved, cherished, and made happy first before they can even be useful to others.

I used to think that adorning and surrounding my life with beautiful things – scented candles, pretty English teacups, flowers arranged in a crystal vase, lovely and comfortable bedroom with walls and covers in perfect harmony (you get the picture) – will somehow cover the want in other areas, such as the lack of health and the absence of travel because of it. These things could temporarily bring comfort and joy and even peace, but in no way can they reach that place in the heart and soul where true and enduring happiness and contentment reside, if in the very first place they aren’t there. The true state of the heart, mind, and soul will determine whether the life that they support is beautiful or wanting.

Stand-Up India

Stand-Up India was launched by Government of India on 5 April 2016 to support entrepreneurship among women and SC & ST communities. It is similar to but distinct from Startup India.

The Stand up India scheme aims at promoting entrepreneurship among women and scheduled castes and tribes. The scheme is anchored by Department of Financial Services (DFS), Ministry of Finance, Government of India.

Stand-Up India Scheme facilitates bank loans between Rs 10 lakh and Rs 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. This enterprise may be in manufacturing, services or the trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or woman entrepreneur.


  • SC/ST and/or woman entrepreneurs, above 18 years of age.
  • Loans under the scheme is available for only green field project. Green field signifies, in this context, the first time venture of the beneficiary in the manufacturing or services or trading sector.
  • In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held by either SC/ST and/or Women Entrepreneur.
  • Borrower should not be in default to any bank/financial institution.

The scheme offers bank loans of between ₹10 lakh (US$14,000) and ₹1 crore (US$140,000) for scheduled castes and scheduled tribes and women setting up new enterprises outside of the farm sector.

How to Apply

A person can apply the application for a loan under the Stand Up India scheme under three ways:

  • Directly at the Banks Branch
  • Stand Up India Portal
  • Lead District Manager (LDM) – List of LDM available on Stand Up India portal

Documents Required

  1. Proof of Identity: Voter’s ID Card / Passport / Driving License / PAN Card / Signature identification from present bankers of the proprietor, partner of the director ( if a company)
  2. Proof of residence: Recent telephone bills, electricity bill, property tax receipt /Passport/voter’s ID Card of Proprietor, partner of Director (if a company)
  3. Proof of Business Address
  4. Applicant should not be a defaulter in any Bank/F.I.
  5. Memorandum and articles of association of the Company / Partnership Deed of partners etc.
  6. Assets and liabilities statement of promoters and guarantors along with latest income tax returns.
  7. Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable.
  8. SSI / MSME registration if applicable.
  9. Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan
  10. It offers photocopies of lease deeds/ title deeds of all the properties as primary and collateral securities.
  11. Documents to establish whether the applicant belongs to SC/ST Category, wherever applicable.
  12. Certificate of incorporation from ROC to establish whether the majority stakeholding in the company is in the hands of a person who belongs to SC/ST/Woman category.
  13. Profile of the unit (includes names of promoters, other directors in the company, the activity undertaken addresses of all offices and plants, shareholding pattern etc.
  14. Last three years balance sheets of the Associate / Group Companies (if any).
  15. Project report (for the proposed project if it requires term funding is required) containing details of the machinery to be acquired, from whom to be acquired, price, names of suppliers, financial details like capacity of machines, capacity of utilization assumed, production, sales, projected profit and loss and balance sheets for the tenor of the loan, the details of labour, staff to be hired, basis of assumption of such financial details etc.
  16. Manufacturing process if applicable, a major profile of executives in the company, any tie-ups, details about raw material used and their suppliers, details about the buyers, details about major-competitors and the company’s strength and weaknesses as compared to their competitors etc.

Why corporate culture is soo important in business?

Corporate world

It’s a formal world where work counts more than anything else. Hence maintaining a professional attitude will help you cope. Learning to behave professionally can’t be learned in a day or two but it is a gradual process. Be a professional at all levels, and each minute.

” The corporate world has the resources to improve the world. It’s where people live and work”. – Douglas Conant

The above quote is truly said that a corporate world can improve the world with its own talent, its own behaviour, with the proper discipline where people can learn and work carefully and with responsibility.

Corporate culture

Corporate culture refers to the shared values, attitudes, standards, and beliefs that characterize members of an organization and define its nature. Corporate culture is rooted in an organization’s goals, strategies, structure, and approaches to labor, customers, investors, and the greater community. As such, it is an essential component in any business’s ultimate success or failure. 

Ever work at a company where you felt like your boss didn’t care about your development, didn’t care if you did well, and only saw you as a resource and didn’t value your contributions?  The truth is, most of us have.

On the other hand, companies that promote leadership and productivity, and place emphasis on employee development is the type of environment we all strive to be a part of. These types of companies typically have a diverse and well-developed company culture.

Businesses with a positive company culture are more likely to succeed and have a higher retention rate because they invest in their employees.

This article will highlight three good reasons why having a strong company culture is important to the success of your business. 

Builds Company Image

When you develop and communicate a strong company culture, it’s a direct reflect on your company’s core values . When you can identify what is important for your company, you can help to foster those values and practices in your employees.

It all starts with you. Lead by example and communicate your expectations to your employees. Good company culture starts at the top, if you don’t practice the values that you preach, your employees won’t practice them either.

Developing a strong company culture helps build a positive image that will attract new employees.  People are attracted to companies that have individuals who share similar values.

When you showcase the culture that you promote in the workplace, it allows others to see how you treat employees and how you relate with others apart from what you do. This should all be incorporated in your online presence since it will show others what you value as a company.

why organizational culture is important

1. It defines your company’s internal and external identity

Here’s a thought exercise: write down on a piece of paper five attributes that best describe your organization’s culture. You might write something like “good work-life balance” or “lots of meetings” or maybe “team-oriented.”

2. Organizational culture is about living your company’s core values

Your culture can be a reflection (or a betrayal) of your company’s core values. The ways in which you conduct business, manage workflow, interact as a team, and treat your customers all add up to an experience that should represent who you are as an organization and how you believe a company should be run. In short, your culture is the sum of your company’s beliefs in action.

But if your espoused values don’t match your culture, that’s a problem. It could mean that your “core values” are a list of meaningless buzzwords, and your people know it.

A strong organisational culture keeps your company’s core values front and center in all aspects of its day-to-day operations and organizational structure. The value of doing so is incalculable.

3. Your culture can transform employees into advocates (or critics)

One of the greatest advantages of a strong organizational culture is that it has the power to turn employees into advocates.

Your people want more than a steady paycheck and good benefits; they want to feel like what they do matters. And when your people feel like they matter, they’re more likely to become culture advocates—that is, people who not only contribute to your organization’s culture, but also promote it and live it internally and externally.


These are just a smattering of reasons why organizational culture is important, but they’re a good starting point to get you thinking about what your own organization brings to the table. What’s important at your company might be totally different depending on the situation.

Pradhan Mantri Mudra Yojana

The Government of India launched a flagship scheme called Prime Minister Mudra Yojana (PMMY) on 8th April 2015 to extend affordable loans to the non-corporate, non-farm micro and small enterprises to cater to their funding needs. One of the major aims of MUDRA loans was to bring the target audience into the formal financial fold.

Micro Units Development & Refinance Agency Ltd. (MUDRA) is a new institution set up by Government of India to provide funding to the non-corporate, non-farm sector income generating activities of micro and small enterprises whose credit needs are below ₹10 Lakh.

Under the aegis of Pradhan Mantri MUDRA Yojana (PMMY), MUDRA has created three products i.e. ‘Shishu’, ‘Kishore’ and ‘Tarun’ as per the stage of growth and funding needs of the beneficiary micro unit. These schemes cover loan amounts as below:

  1. Shishu: covering loans up to ₹50,000
  2. Kishore: covering loans above ₹50,000 and up to ₹5,00,000
  3. Tarun: covering loans above ₹5,00,000 and up to ₹10,00,000

All Non-Corporate Small Business Segment (NCSBS) comprising of proprietorship or partnership firms running as small manufacturing units, service sector units, shopkeepers, fruits/vegetable vendors, truck operators, food-service units, repair shops, machine operators, small industries, food processors and others in rural and urban areas, are eligible for assistance under Mudra.

Bank branches would facilitate loans under Mudra scheme as per customer requirements. Loans under this scheme are collateral free loans.

Eligibility for MUDRA Loan Application:

Enterprises and entities falling under the following categories comprise MUDRA loan eligibility.

  • All non-corporate non-farm enterprises.
  • Primarily engaged in income generation through manufacturing, trading and services.
  • Where the requirement of credit is for maximum Rs.10 lakhs or lower.
  • Engaged in allied agriculture services since 1st April 2016.

How to apply for MUDRA loan at a financial institution?

Individuals have to follow the steps mentioned below to apply for MUDRA loan:

  • Step 1.Keep the necessary documents ready
    Applicants need to have the necessary documents required to avail a MUDRA loan. These include identity proof (Aadhaar, Voter ID, PAN, Driving License, etc.), address proof (electricity bill, telephone bill, gas bill, water bill, etc.), proof of business (business registration certificate, etc.).
  • Step 2.Approach a financial institution
    Individuals can apply for a MUDRA loan with almost all leading financial institutions in India.
  • Step 3.Fill in the loan application form
    Applicants then have to fill the MUDRA loan application form and furnish their personal and business details. They also have to ascertain the amount they want to avail before knowing how to apply for MUDRA loan scheme.

Under the PMMY scheme, one can apply for 3 types of MUDRA loans:

  1. Sishu – Covers loans up to Rs.50,000 for starting a business or for businesses in its early stages.
  2. Kishor – Covers loans up to Rs.5 Lakh for already established businesses seeking additional funding.
  3. Tarun – Covers loans up to Rs. 10 Lakh for well-established businesses meeting certain eligibility.

Rashtriya Swasthya Bima Yojana

RSBY has been launched by Ministry of Labour and Employment, Government of India to provide health insurance coverage for Below Poverty Line (BPL) families. The objective of RSBY is to provide protection to BPL households from financial liabilities arising out of health shocks that involve hospitalization.


  • Unorganized sector workers belonging to BPL category and their family members (a family unit of five) shall be the beneficiaries under the scheme.
  • It will be the responsibility of the implementing agencies to verify the eligibility of the unorganized sector workers and his family members who are proposed to be benefited under the scheme.
  • The beneficiaries will be issued smart cards for the purpose of identification.


The beneficiary shall be eligible for such in – patient health care insurance benefits as would be designed by the respective State Governments based on the requirement of the people/ geographical area. However, the State Governments are advised to incorporate at least the following minimum benefits in the package / scheme:

  • The unroganised sector worker and his family (unit of five) will be covered.
  • Total sum insured would be Rs. 30,000/- per family per annum on a family floater basis.
  • Cashless attendance to all covered ailments
  • Hospitalization expenses, taking care of most common illnesses with as few exclusions as possible
  • All pre-existing diseases to be covered
  • Transportation costs (actual with maximum limit of Rs. 100 per visit) within an overall limit of Rs. 1000.

Funding Pattern

  • Contribution by Government of India: 75% of the estimated annual premium of Rs. 750, subject to a maximum of Rs. 565 per family per annum. The cost of smart card will be borne by the Central Government.
  • Contribution by respective State Governments: 25% of the annual premium, as well as any additional premium.
  • The beneficiary would pay Rs. 30 per annum as registration/renewal fee.
  • The administrative and other related cost of administering the scheme would be borne by the respective State Governments

Enrollment process


Smart card is used for a variety of activities like identification of the beneficiary through photograph and fingerprints, information regarding the patient. The most important function of the smart card is that it enables cashless transactions at the empanelled hospital and portability of benefits across the country. The authenticated smart card shall be handed over to the beneficiary at the enrollment station itself. The photograph of the head of the family on the smart card can be used for identification purpose in case biometric information fails.

Some important Frequently Asked Questions:

Where can I get the application form for RSBY?

You can download the Rashtriya Swasthya Bima Yojana Application Form Pdf from your respective state government’s website.Why are the beneficiaries charged Rs. 30 when the government is paying for the scheme?

The amount borne by the beneficiaries i.e. Rs. 30 is simply the registration fee that helps the Nodal agency to cover the administrative costs. The actual premium of the policy is borne entirely by the Central and State Government of India.What is the age limit for dependent children to be covered under RSBY?

There is no age limit on the children of the policyholder under RSBY. However, if more than two children are present in a family the policyholder needs to decide which of them will be covered under the plan.Whose biometric information is required at the time of medical emergency?

Any beneficiary can give their biometric information at the time of hospitalization or claim. The presence of the head of the household is not mandatory at the hospital.What kind of endorsements are allowed in the smart card in the middle of the policy period?

Addition and removal of family members is allowed in the middle of the policy period only in case of death and newborn child. An additional member of the immediate family can be added only in case of the death of a beneficiary.Who can enrol under Rashtriya Swasthya Bima Yojana?

Any member belonging to the below poverty line can enrol under this scheme. This plan is beneficial especially for rickshaw pullers, rag pickers, mine workers, sanitation workers, drivers of commercial workers, etc.

Jal Shakti Abhiyan

Inspired by the Hon’ble Prime Minister’s impetus on Jal Sanchay, the Jal Shakti Abhiyan (JSA) is a time-bound, mission-mode water conservation campaign. The JSA aims at making water conservation a Jan Andolan through asset creation and extensive communication.

If 2014-19 was the phase to drive and upscale sanitation in the country, then 2019-24 will drop the spotlight on water. Reason: the rising water emergency that’s making India listen to alarm bells and consequentially a strong political commitment coming into place.

As promised by the Bharatiya Janata Party in its election manifesto, a unified Ministry of Jal Shakti was launched in May 2019 as an immediate response to the escalating water crisis in the country.

It also saw the reorganisation of existing ministries and departments like the Ministry of Water Resources, River Development and Ganga Rejuvenation as well as the Ministry of Drinking Water and Sanitation coming under the umbrella of this new ministry.

Within a month of announcing the Ministry of Jal Shakti, the government launched Jal Shakti Abhiyan (JSA), an intensive water conservation campaign built on citizen participation to accelerate water conservation across the country.

In the short run, the campaign will focus on integrated demand and supply-side management of water at the local level, including creation of local infrastructure for source sustainability using rainwater harvesting, groundwater recharge and management of household wastewater for reuse.

For the long run, the government launched the Jal Jeevan Mission (JJM) with an aim to ensure piped water supply to all rural households by 2024.

While the government has put up broader plans to solve the ongoing water crisis, there is a critical need to spell out JSA’s outcomes and targets in a tangible and achievable manner. Rainwater harvesting is a critical intervention and should be undertaken intensively in the identified 256 water-stressed districts where groundwater availability has reached critical and over exploited levels.

However, in the absence of targets, the focus on objectives can be limited as one cannot ascertain the extent of work to be done, priority areas to be covered, and how to actually measure performance.

Under this campaign, targeted activities shall be undertaken under 5 areas of intervention namely:

(i) Water conservation and rainwater harvesting

(ii) Renovation of traditional water bodies/tanks

(iii) Reuse, borewell recharge structures

(iv) Watershed development, and

(v) Intensive afforestation.

Govt. to start Jal Shakti Abhiyan for 255 water-stressed districts from July 1. The Centre is set to initiate the Jal Shakti Abhiyan to ramp up rainwater harvesting and conservation efforts in 255 water-stressed districts from July 1, in line with the government’s promise to focus on water.

National Social Assistance Scheme

  • NSAP stands for National Social Assistance Programme. NSAP was launched on 15th August, 1995.
  • The National Social Assistance Programme (NSAP) represents a significant step towards the fulfillment of the Directive Principles in Article 41 and 42 of the Constitution recognizing the concurrent responsibility of the Central and the State Governments in the matter. In particular, Article 41 of the Constitution of India directs the State to provide public assistance to its citizens in case of unemployment, old age, sickness and disablement and in other cases of undeserved want within the limit of its economic capacity and development.

Objective of NSAP

  • National Social Assistance Programme is a social security and welfare programme to provide support to aged persons, widows, disabled persons and bereaved families on death of primary bread winner, belonging to below poverty line households.

Eligibility and scale of assistance

For getting benefits under NSAP the applicant must belong to a Below Poverty Line (BPL) family according to the criteria prescribed by the Govt. of India. The other eligibility criteria and the scale of central assistance under the sub – schemes of NSAP are as follows. Besides the central assistance, states / UT contribute an equal amount as their share:

  1. Indira Gandhi National Old Age Pension Scheme (IGNOAPS) : The eligible age for IGNOAPS is 60 years. The pension is Rs.200 p.m. for persons between 60 years and 79 years. For persons who are 80 years and above the pension is Rs.500/ – per month.
  2. Indira Gandhi National Widow Pension Scheme (IGNWPS) : The eligible age is 40 years and the pension is Rs.300 per month. After attaining the age of 80 years, the beneficiary will get Rs.500/ – per month.
  3. Indira Gandhi National Disability Pension Scheme (IGNDPS) : The eligible age for the pension er is 18 years and above and the disability level has to be 80%. The amount is Rs.300 per month and after attaining the age of 80 years, the beneficiary will get Rs 500/ – per month . Dwarfs will also be a n eligible category for this pension.
  4. National Family Benefit Scheme (NFBS) : Rs. 20000/ – will be given as a lumpsum assistance to the bereaved household in the event of death of the bread – winner. It is clarified that any event of death (natural or otherwise) would make the family eligible for assistance. A woman in the family, who is a home maker, is also considered as a ‘bread – winner’ for this purpose. The family benefit will be paid to such surviving member of the household of the deceased poor , who after local inquiry, is found to be the head of the household. For the purpose of the scheme, the term “household’ would include spouse, minor children, unmarried daughters and dependent parents. In case of death of an unmarried adult, the term household would include minor brothers/ sisters and dependent parents. The death of such a bread – winner should have occurred whilst he/ she is more than 18 years of age and less than 60 years of age. The assistance would be given to every case of death of breadwinner in a family.
  5. Annapurna Scheme : 10 kgs of food grains (wheat or rice) is given per month per beneficiary. The scheme aims at providing food security to meet the requirements of those eligible old aged persons who have remained uncovered under the IGNOAPS

Source: National Social Assistance Programme

Pradhan Mantri Formalization Of Micro Food Processing Enterprises Scheme (PM- FME)

Minister for Food Processing Industries Harsimrat Kaur Badal has launched the PM Formalization of Micro Food Processing Enterprises (PM FME) scheme as a part of “Atmanirbhar Bharat Abhiyan”, in the presence of Minister of State for Food Processing Industries Rameswar Teli. The minister said that the scheme would generate total investment of Rs 35,000 crore and generate 9 lakh skilled and semi-skilled employment and benefit 8 lakh units through access to information, training, better exposure and formalisation. The guidelines of the scheme were released on the occasion.
            Highlighting the role of local food processing units, the minister said that food products manufactured by the rural entrepreneurs in the villages have a long tradition of supplying Indian food products to the local population. The importance of these local units and their role has been amply emphasised by the Prime Minister in his address to the nation on May 12, 2020. “In times of crisis, this local has fulfilled our demand, this local has saved us. Local is not just the need, it is our responsibility also. Time has taught us that we must make the local as a mantra of our life. The global brands you feel today were sometimes also very local like this. But when people started using them, started promoting them, branding them, proud of them, they became global from local products. Therefore, from today every Indian has to become vocal for their local, not only to buy local products, but also to promote them proudly. I am confident that our country can do this.”

Details of the PM FME scheme            With a view to providing financial, technical and business support for upgradation of existing micro food processing enterprises, MoFPI has launched an all India “Centrally Sponsored PM Formalisation of Micro Food Processing Enterprises (PM FME) scheme” to be implemented over a period of five years from 2020-21 to 2024-25 with an outlay of Rs 10,000 crore. The expenditure under the scheme would to be shared in 60:40 ratio between Central and state governments, in 90:10 ratio with North Eastern and Himalayan states, 60:40 ratio with UTs with legislature and 100% by Centre for other UTs.
               The scheme adopts One District One Product (ODODP) approach to reap benefit of scale in terms of procurement of inputs, availing common services and marketing of products. The states would identify food product for a district keeping in view the existing clusters and availability of raw material. The ODOP product could be a perishable produce based product or cereal based products or a food product widely produced in a district and their allied sectors. Illustrative list of such products includes mango, potato, litchi, tomato, tapioca, kinnu, bhujia, petha, papad, pickle, millet based products, fisheries, poultry, meat as well as animal feed among others. Preference would be given to those producing ODOP products. However, units producing other products would also be supported. Support for common infrastructure and branding & marketing would be for ODOP products. The scheme also places focus on waste to wealth products, minor forest products and aspirational districts.
                    Existing Individual micro food processing units desirous of upgradation of their unit can avail credit-linked capital subsidy @35% of the eligible project cost with a maximum ceiling of Rs 10 lakh per unit. Seed capital @ Rs 40,000 per SHG member would be provided for working capital and purchase of small tools.  FPOs/ SHGs/ producer cooperatives would be provided credit linked grant of 35% for capital investment along the value chain. Support would be provided through credit linked grant @ 35% for development of common infrastructure including common processing facility, lab, warehouse, cold storage, packaging and incubation centre through FPOs/SHGs/cooperatives or state owned agencies or private enterprise to use by micro units in the cluster. Support for marketing & branding would be provided to develop brands for micro units and groups with 50% grant at state or regional level which could benefit large number of micro units in clusters.
            The scheme places special focus on capacity building and research. NIFTEM and IIFPT, two academic and research institutions under MoFPI along with State Level Technical Institutions selected by the states would be provided support for training of units, product development, appropriate packaging and machinery for micro units.
           All the processes of the scheme would take place on an MIS including applications by entrepreneurs, their processing, approval of various projects by the states and MoFPI, release of grant and other funds and monitoring of the project. Individual entrepreneurs and other stakeholders desirous of availing assistance under the scheme may contact the State Nodal Agencies of their respective states/ UTs regarding the roll out of scheme and contact points at the district level.
Extension of Operation Greens from TOP (Tomato-Onion-Potato) crops to all Perishable Fruits & Vegetables (TOP to Total) Operation Greens Scheme, being implemented by MoFPI has been extended from tomato, onion and potato (TOP) crops to other notified horticulture crops for providing subsidy for their transportation and storage from surplus production area to major consumption centres.  The objective of intervention is to protect the growers of fruits and vegetables from making distress sale due to lockdown and reduce the post -harvest losses.
Eligible CropsFruits- Mango, Banana, Guava, Kiwi, Lichi, Papaya, Citrus, Pineapple, Pomegranate, Jackfruit; Vegetables: – French beans, Bitter Gourd, Brinjal, Capsicum, Carrot, Cauliflower, Chillies (Green), Okra, Onion, Potato and Tomato. Any other fruit/vegetable can be added in future on the basis of recommendation by Ministry of Agriculture or State GovernmentDuration of Scheme: – for the period of six months from the date of notification i.e., 11/06/2020.
Eligible entities: – Food Processors, FPO/FPC, Co-operative Societies, Individual farmers, Licensed Commission Agent, Exporters, State Marketing/Co-operative Federation, Retailers etc. engaged in processing/ marketing of fruits and vegetables.
Pattern of Assistance: – Ministry will provide subsidy @ 50 % of the cost of the following two components, subject to the cost norms:Transportation of eligible crops from surplus production cluster to consumption centre; and/or Hiring of appropriate storage facilities for eligible crops (for maximum period of 3 months);Submission of claim for subsidy – Eligible entities, who comply with the aforesaid essential criteria may undertake the transportation and/or storage of notified crops from notified surplus production cluster, without any prior approval from MoFPI and thereafter submit their claim on online portal The applicant should register on the portal before carrying out transportation/storage of fruits and vegetables.
Free on-line Skilling programme for the SC/ST Food Processors                Badal informed that MoFPI is planning to start free online skilling classes for SC and ST entrepreneurs, in collaboration with NIFTEM and FICSI, for providing e-learning. MoFPI has identified 41 courses and job roles like on baking, making jam, pickles, etc for which access to digital content would be made available. Once certified, these entrepreneurs would have better employment potential, or they can start their own venture. She further informed that the participant handbooks and the facilitator’s guide created by the ministry, through NIFTEM, will be converted into e-learning format with suitable digital content and online assessment service. These will be made available in English, Hindi and other regional languages by FICSI on web and on android based app on mobiles.

National Food For Work Programme

National Food for Work Programme. The National Food for Work Programme (External website that opens in a new window) was launched in 14th November, 2004 in 150 most backward districts of the country, identified by the Planning Commission in consultation with the Ministry of Rural Development and the State governments.

Objectives of NFFWP:

The objective of the programme was to provide additional resources apart from the resources available under the Sampoorna Grameen Rozgar Yojana (SGRY) to 150 most backward districts of the country so that generation of supplementary wage employment and providing food security through creation of need based economic, social and community assets in these districts are further intensified.

The scheme was 100 percent centrally sponsored. The programme has since been subsumed in NREGA which has come in force in 200 identified districts of the country including 150 NFFWP districts. The Act provides 100 days of work guarantee to every rural household whose members volunteer to do unskilled manual work.

Some Guidelines for NFFWP:

Target group:

The NFFWP is aimed at “all rural poor who are in need of wage employment and desire to do manual and unskilled work”.


The NFFWP Is centrally funded. Food grains are provided free of cost to the states. States are supposed to cover transportation costs, handling charges and taxes.

Permissible works:

These include water conservation; drought proofing (including afforestation and tree plantation) and land development, flood control/protection (including drainage in water logged areas); rural connectivity in terms of all-weather roads. Other similar works can also be undertaken.

Perspective Plan:

A five year “perspective plan” is to be prepared for each district, With Blocks and Panchayat wise details of works to be undertaken. I lie Ministry of Rural Development will approve the Perspective Plan (with or without modification) which has to be prepared in consultation with the PRls, local MPs and MLAs.

Employment Register:

Each executing agency is to maintain an “employment register” which contains details of number of person employment (by caste and gender). This register is supposed to be open to public scrutiny and copies are to be made available by charging a “small fee if necessary”.

Monitoring Committee:

For each work there will be a monitoring committee comprising of 5-9 nominated members including at least one SC/ST candidate and a women’s representative. The selection of the committee members is to be done through the Grama Sabha. A work cannot start until the monitoring committee has been formed. The monitoring committee is also supposed to send its report along with the completion certificate.

Schedule of Inspection:

10% of panchayats to be inspected by district level officers and 2% of panchayats by state level officers.


Monthly, quarterly and annual reports have to be prepared and submitted to the state government by each district. The planning commission has identified the 150 most backward districts on the basis of agricultural productivity per worker, agricultural wage rate and SC/ST population. These districts have been identified in 27 states.

IMFFWP is an important instrument for ensuring employment generation so that each family is assured of a safe viable livelihood. In a country like India with complex socio-economic, political structure, implementation of such a huge ambitious project is not tin easy task. NFFWP has already started with much enthusiasm, particularly in West Bengal and Andhra Pradesh.

In contrast to the trickledown theory of economic development, the approach of NFFWP Is based on the Keynesian model of employment where the state lakes pro-active steps generating employment opportunities by way of tackling demand deficiency. The NFFWP is a pro-poor re-distributive scheme which is a notable achievement in itself.

Most of the backward districts which would benefit from the scheme are tribal belts. The scheme provides 100 days of employment III minimum wages for at least one able-bodied person from each household in the country.

Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY)

It was originally mentioned in the 2015 Budget speech by Finance Minister Arun Jaitley in February 2015. It was formally launched by Prime Minister Narendra Modi on 9 May in Kolkata. As of May 2015, only 20% of India’s population has any kind of insurance, this scheme aims to increase the number.

Enrolment period
The cover period is 1st June of each year to 31st May of subsequent year. For the cover period 1st June 2018 to 31st May 2019, subscribers are required to enrol and give their auto-debit consent by 31st May 2018. Those joining subsequently would be able to do so with payment of full annual premium for prospective cover. As on May 14, 2018, nearly 5.35 crore people had enrolled under PMJJBY, and the total number of claims received till date were nearly 1,02,849.

PMJJBY is available to people in the age group of 18 to 50 years ( life cover up to age 55) having a savings bank account who give their consent to join and enable auto-debit.

Under PMJJBY scheme, life cover of Rs. 2 lakhs is available at a premium of Rs.330 per annum per member and is renewable every year. In the case of a joint account, all holders of the said account can join the scheme provided they meet its eligibility criteria and pay the premium at the rate of Rs.330 per person per annum.

PMJJBY is administered through LIC and other Indian private life insurance companies. One may also approach their bankers as for the process of enrolment banks have tied up with insurance companies. In the case of multiple bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one bank account only.

For those who wish to join the scheme now may still do so. On may join or renew the scheme anytime during the year by paying the full premium and not the proportionate amount. However, the renewal date will remain June 1 for all of the subscribers.

It’s better to join now and get the cover for the entire 12 months. If you had exited the scheme at any point, you may still re-join the scheme by paying the annual premium.

The enrolment process has been kept simple and easy. To enrol, you can download the form and submit it to your banker. Some banks have initiated an SMS-based enrolment process too. It can be done through net banking also. To join/pay by auto-debit from the designated individual bank account on the prescribed forms will be required to be given by 31st May of every year.


  • This policy is available for the people between the age of 18-50 years. The policy ceases at 55 years of age of the policy holder.
  • The assurance on the life of the member shall terminate on any of the following events and no benefit will become payable there under,
    • On attaining age 55 years (age near birthday) subject to annual renewal up to that date (entry, however, will not be possible beyond the age of 50 years).
    • Closure of account with the Bank or insufficiency of balance to keep the insurance in force.
    • A person can join PMJJBY with one Insurance company with one bank account only.
    • For subscribers enrolling for the first time on or after 1st June 2016, insurance cover shall not be available for death (other than due to accident) occurring during the first 45 days from the date of enrolment into the scheme (lien period) and in case of death (other than due to accident) during lien period, no claim would be admissible.

How to apply?

Blessings that will melt your heart❤️

We are living in this world full of blessings. Yes, we love when someone bless us but what if someone special gives you a blessing….. That will obviously melt your heart and definitely you’ll get happiness. We always listen up that never hurt anyone that will converted into a curse. Yaa it doesn’t sound good but never deceive someone you’ll be cursed by god. And that sometimes occurs naturally and that too break your heart.

“Blessed are they who see beautiful things in humble places where other people see nothing.” – Camille Pissarro

The above quote is absolutely correct and I totally agree. These people see the world with a beautiful nature and never wondered that I wish I could have this. On the other hand there are some people who are selfish, greedy and yes nothing to shame we all are best suited in these words.

Today my topic is of blessings that’ll melt your heart. And this is based on my real situation. We see that poor people who are always looking up for money for food for shelter for clothes but how do we help them by giving some money or some people just drag them out. But they are also a human being they also have a right to live happy and they also need a respect.

Source: internet

Today, morning when I woke up. I saw an old man begging for food. He was moving from one house to another house but no one try to help him also there was a heavy rainfall no one try to gave him a shelter. Then he came to my door he asked for some food and water soo I gave him one bottle full of water and some food. He sat down under mu house shed and started eating. This literally maked me happy and then he started giving me blessings and a smile on his face has given me a strength for life. Believe me helping these poor people will definitely give you a happiness and that too you’ll fell happy. Seeing these smiles on their face will melt your heart.

Another incident is that helping those transgender. Yes, they are also a human being they too need a respect. People start making faces when they see them or they don’t sit beside them. Why? This should be stopped. They are transgender and there is nothing to shame about or making faces and it’s not written anywhere that they are bad omen for anyone. This is a god gifted. Helping these people will give happiness to your life.

Source: Internet

They are too having all the rights that a normal people have. Government gave them every beneficial and every right to live. So try to help others god will definitely help you and believe me their blessings are full of love and it’ll definitely bring a happiness to your own world.

Deen Dayal Antyodaya Yojana (DAY)- A Government Scheme

Deen Dayal Antyodaya Yojana – National Livelihoods Mission (NRLM) was launched by the Ministry of Rural Development (MoRD), Government of India in June 2011 as a restructured version of Swarna Jayanti Gram Swarozgar Yojna (SGSY). The Mission aims at creating efficient and effective institutional platforms of the rural poor enabling them to increase household income through sustainable livelihood enhancements and improved access to financial services. In November 2015, the program was renamed Deendayal Antayodaya Yojana (DAY-NRLM).

Deen Dayal Antyodaya Yojana (DAY) with an aim to uplift the urban poor folks by enhancing sustainable livelihood opportunities through skill development. Keeping in view the objective of Make in India, Skill Development is essential for socio economic betterment. The scheme is integration of the National Urban Livelihoods Mission (NULM) and National Rural Livelihoods Mission (NRLM).

National Urban Livelihoods Mission (NULM) is renamed as Deen Dayal Antyodaya Yojana-(DAY-NULM) and in Hindi as – Rashtriya Shahri Aajeevika Mission. Under the scheme urban areas extends the coverage to all the 4041 statutory cities and towns, there by covering almost the entire urban population. Currently, all the urban poverty alleviating programmes covered only 790 towns and cities.


The scheme is targeted at both urban and rural poor and includes those beneficiaries above the age of 18 years who were part of the earlier *Aajeevika program.

* The Aajeevika – National Rural Livelihoods Mission (NRLM) seeks to provide effective and efficient institutional platforms to enable the rural poor to increase their household income by means of sustainable livelihood enhancements and better access to financial services. The scheme is now renamed the Deen Dayal Antyodaya – National Rural Livelihoods Mission scheme.

The above link will provide the application form fill up all the details to proceed further with the next step.

Vidya Lakshami Portal

The Government of India has brought various financing schemes for higher education, a significant one being the Vidya Lakshmi portal. Students can apply for education loan to multiple financial institutions with one application on this portal. Vidya lakshmi Portal is a Central IT-based Education Loan portal to provide student finance services for young Indians. It is an interface that helps students to apply for student loan online through a centralized website. Vidyalakshmi Portal is a one stop solution for students looking for study loan information. Not only can you apply for Education Loans on Vidyalakshmi Website but also compare student loan services, apply for education loan interest subsidy and even refinance your studebt loan.

Under this scheme, students can apply for an Education Loan through a common application form CELAF. Track your application status online at this portal. Or, find the government scholarships through the National Scholarship Portal link it provides.

Register on the portal first to apply for this loan. Proceed with Vidyalakshmi login details, and fill up the common application form. Apply to a maximum of three financial institutions with that same application form depending on the eligibility and needs. On approval, loan disbursal happens directly from the concerned institution.

The Vidyalakshmi Education Loan interest rates offered by various institutions follow the guidelines issued by the RBI and IBA, concerning the standard lending rates. It may vary from one institution to another.

While the Vidyalakshmi Loan is a convenient financing option for higher education, it may not always suffice the cost of education. Seeking admission to overseas universities may be far costlier.

How to apply for Educational loan through Vidya Lakshmi?

  • The applicant must register and login to Vidya Lakshmi portal and then fill-up the Common Education Loan Application Form (CELAF) by providing all the necessary details.
  • After filling the form, the applicant can search for Educational Loan and APPLY as per his/her needs, eligibility and convenience.
  • Alternatively, the applicant can also search for Educational Loan after login and apply for the suitable Educational Loan by filling the *CELAF.

*What is Common Educational Loan Application Form (CELAF)?

The Common Educational Loan Application Form is the single form which students can fill to apply for Educational Loan to multiple banks / schemes. CELAF is the application form prescribed by Indian Banks Association (IBA) and accepted by all banks. This form is provided on Vidya Lakshmi portal to apply for Educational loan.

Vidyalakshmi Portal is a Central IT-based Education Loan portal to provide student finance services for young Indians. It is an interface that helps students to apply for student loan online through a centralized website. Vidyalakshmi allows students to apply for multiple banks with a single Vidyalakshmi common education loan application form (CELAF). This is also helps students in managing their Education Loan Status on Vidyalakshmi Portal and keeps the information of applicant/student/parents safe with the government. All of it can be done without visiting the bank and online.

Vidyalakshmi Portal is a one stop solution for students looking for study loan information. Not only can you apply for Education Loans on Vidyalakshmi Website but also compare student loan services, apply for education loan interest subsidy and even refinance your studebt loan.

VidyaLakshmi Education Loan Portal: Banks List

Almost all Indian Banks that are member of Indian Banking Association are obligated to provide loans to students. This includes Government-Private Banks, and even NBFC (Non-Banking Financial Institutions) and other entities.

Currently there are 36 Indian Banks enlisted with the Vidyalakshmi Education Loan Schemes providing 96 different types of loans for education of students. The different schemes appeal to the needs of students from different region, education levels, institutions and courses.

A detailed list of all these schemes and banks is mentioned belowVidyalakshmi Banks ListVidyalakshmi Education Loan Schemes (Each Bank)

Abhyudaya :- Cooperative Bank Limited Educational Loan Under The Scheme Of Abhyudaya Gyan

Bank limited :- Vardhini

Allahabad Bank :- Education Loan

Andhra Bank :- Dr. Pattabhi Vidya Jyothi Scheme

Axis Bank :- Axis Bank Education Loan Scheme

Bank Of Baroda :- Baroda Gyan
Baroda Scholar Baroda Education Loan To Students Of Premier Institutions Baroda Vidya
Baroda Education Loan For Executive Development Programmes (India)
Baroda Education Loan For Executive Development Programmes (Abroad)
Skill Loan Scheme

Bank Of India :- BOI Star Education Loan Scheme

Bank Of Maharashtra :- Model Educational Loan Scheme

Canara Bank :- IBAS Model Education Loan Scheme For Study In India And Abroad IBA Skill Loan Scheme

Credit Guarantee fund Scheme for Education Loans

Credit Guarantee Fund Scheme for Education Loan (CGFSEL) has been launched by the Government of India to provide a guarantee for education loans under the Model Education Loan Scheme of Indian Banks’ Association. All Education Loans up to INR 4 lakhs are collateral-free but under this scheme, a student can avail an education loan up to INR 7.5 Lakhs without any collateral and a third-party guarantee. However, if there is a requirement to revise the loan limit, the fund has the right to do so. Disbursal of an education loan under this scheme is comparatively simple. 

There will be a maximum of up to 2% interest rate over the base rate and if the interest rate is above that, then that education loan will fall outside the mandate of CGFSEL. However, this may change with respect to the prevalent interest rate scenario, base rates of Bank and RBI’s Credit Policies.


  • Up to INR 4 Lakhs – Nil
  • Above INR 4 Lakhs- 5% for study in India and 15% for study abroad.


There is no specific restriction regarding the age of a student in order to be eligible for an education loan. Age of joint applicant / co-borrower / guarantor should be minimum 21 years at the time of loan origination and maximum age at the time of loan maturity can be 70 years.


Academic records (10th, 12th, Graduation (if applicable), entrance exam result through which admission is obtained. Proof of admission: Admission letter or offer letter from the educational institution. Loan account statement of the previous 1 year, if loan has been taken from another lender. Passport size photographs.

Which Education Loans are covered under this scheme?

The following Education loans will be considered eligible under this scheme:

  1. The loans that are given by the bank to an eligible borrower according to the scheme of IBA ( Indian Banks Association ) without any collateral security and third-party guarantee. They must be in an agreement with NCGTC  (National Credit Guarantee Trustee Company). The procedures prescribed by NCGTC must be followed and the guarantee cover in respect of education will be applied by the bank.
  2. Loans that are disbursed in a quarterly manner prior to the expiry of the following quarter are eligible for the application of guarantee cover in respect of education loan by the Banks like PNBAxis BankHDFC, etc. 
  3. “Material Date” basically means the date on which the guarantee fee, which has been covered previously in respect of the eligible borrower, becomes payable by the Bank to the respective trust. On the material date, the following criteria should satisfy:
    •  Overdue in respect of the account to the banks should not be there and in the books of the bank, the loan should not be classified as an NPA (Non-Performing Asset). An asset is classified as a non-performing asset on the basis of the guidelines given by the RBI (Reserve Bank of India).
    • The purpose for which the loan has been granted to the borrower should not have been ceased.
    • Without obtaining any consent from the NCGTC, the credit facility should not be utilized for adjustments of any debts.
  4. There will be a list of educational institutes and their courses or the categories of educational institutes for which the guarantee cover will be available.

Which Education Loans are NOT covered under this scheme?

The following Education loans will not be considered eligible under this scheme:

  1. Any Education Loan which is inconsistent in any way and does not follow the provisions, laws, and instructions issued by the central government or the Reserve Bank of India.
  2. If an Education Loan is sanctioned by the bank with an interest rate of more than 2% over the base rate of the banks.
  3. A case where the risks are additionally covered by the Government or any external authority.

Thousands of students are applying for Education Loan nowadays. To ensure fast and efficient disbursal of Education Loans the government of India launched CGFSEL. This scheme has definitely been useful for many students and the Cabinet Committee on Economic Affairs (CCEA) has approved the continuation of the CGFSEL with an aim to provide loans to around 10 Lakh students.

Sanjay Gandhi Niradhar Yojana – Pension Scheme

Government of Maharashtra implemented Sanjay Gandhi Niradhar Yojana to help women, orphan children and person suffering from a severe illness in the State. Sanjay Gandhi Niradhar Yojana’s key objective is to support the needy person financially.

Sanjay Gandhi Niradhar Yojana Beneficiaries

The main focus of this scheme is to help women and children. Below mentioned persons will get monthly Pension through Sanjay Gandhi Niradhar Yojana:

  • Dispute
  • Disabled person
  • Blind
  • Orphan children
  • A person suffering from a severe illness
  • Divorced women
  • Outraged women
  • Transgender
  • Abandoned women
  • Women freed from prostitution

Eligibility for Sanjay Gandhi Niradhar Pension

Beneficiaries mentioned above are eligible for this Pension. Other eligibility criteria to receive Sanjay Gandhi Niradhar Pension are listed below:

  • The person should be a resident of Maharashtra
  • A person with 40% and above disability is eligible for SGN Pension
  • A person who is affected by significant illness will be eligible only if the age is below 65 years
  • If the family income of a person is less than Rs. 21000, then he or she can apply for SGN Pension

Pension Amount

1. Family with only one beneficiary Rs. 600.

2. Family with more than one beneficiary Rs. 900.

Document Required to Apply SGNY

Essential documents to apply the Sanjay Gandhi Niradhar Scheme are below for reference:

  • Sanjay Gandhi Niradhar Scheme Application Form
  • Residence certificate of Maharashtra
  • Age proof document (Niradhar old age certificate)
  • Income certificate to prove family income is below Rs. 21000 (Salary slip can be provided)
  • Certificate of BPL (Below Poverty Line family).
  • Certificate of incapacity can be provided.
  • In the case of major illness, Medical certificate needs to be submitted. The medical certificate should be issued by the medical superintendent or the civil surgeon of Government hospitals.

Applying for Sanjay Gandhi Niradhar Scheme

Procedure to apply for Sanjay Gandhi Niradhar Pension scheme:

Step 1: Fill Sanjai Gandhi Niradhar Yojana Application form.

Step 2: After filling all details in the application form, visit Talathi of the village.

Step 3: You need to visit Tahsildar for further process.

Step 4: You have to contact the officer of District social welfare officer to complete the application procedure.

Step 5: The State Government will announce the beneficiaries list and Pension will be granted to such beneficiaries.

 Step 6: Pension amount will be distributed to all beneficiaries through Tahsildar.

Central Scheme to provide Interest Subsidy

Central Scheme for Interest Subsidy has been announced by Ministry of HRD for providing interest on Education Loans during moratorium for technical and professional courses for studies in India under the IBA Model Education Loan Scheme for students from Economically Weaker Sections (EWS) with annual gross parental/family income upto Rs. 4.50 lacs per annum from the academic year 2009-10.

Eligibility for Interest Subsidy

The interest subsidy under the scheme shall be available to the eligible students only once either for the first undergraduate degree course or the post graduate degree/diploma in India. Interest subsidy shall however, be admissible for integrated courses (graduate plus postgraduate).

Interest subsidy under this scheme shall not be available for those students once they discontinue the course midstream, or who are expelled from the institutions on disciplinary or academic grounds. However, the interest subsidy will be available only if the discontinuation was due to medical grounds for which necessary documentation to the satisfaction of the Head of educational institution will have to be given.

The scheme shall be implemented through Canara Bank, which is the Nodal Bank for the Ministry of Human Resources Development.

The scheme is applicable from the academic year 2009-10 starting 1st April 2009. The scheme is applicable only in respect of disbursements made by the Banks on or after 1st April, 2009 for the academic year 2009-10, irrespective of date of sanctioning. In case of loans sanctioned prior to 1.4.2009, for the courses beginning prior to academic year 2009-10, the interest subsidy is available to the extent of disbursements made after 1.4.2009.

The disbursement of Interest Subsidy Claims to the Banks shall be on half-yearly or yearly basis which has to be worked out in consultation with the Ministry of HRD.

Moratorium Period

Under the Scheme, the interest payable on the Educational Loan for the moratorium period i.e., Course Period plus one year as will be borne by the Government of India. After the period of moratorium, the interest on the outstanding loan amount shall be paid by the student, in accordance with the provisions of the existing Model Educational Loan Scheme of Banks and as may be amended from time to time.

Income Limit/Proof

The benefits of the Scheme is applicable to students belonging to economically weaker sections, with having parental income upto Rs. 4.5 lacs per year (from all sources). Income proof is required from authorised Public authority of the State Government. The present scheme is intended to cater to the needs of students belonging to economically weaker sections with prescribed upper parental gross income limit of the family from all sources, which is based on economic index and not on social background- The scheme is independent of any other schemes which may cater to EWS.

Application procedures

1. Collect the necessary documents required for education loan subsidy application

2. CSIS : Income certificate and loan agreement.

3. Visit the nearest branch of the bank which provides you the education loan.

4. Ask for an Education Loan Subsidy Application form.

5. Fill in the required details and submit your documents with the application.

6. Track your application regularly by seeking the status update from bank officials.

7. Provide additional documents as if requested by bank authorities.

Dr. Ambedkar Central Sector Scheme- Education Loans for the backward students

Dr. Ambedkar Scheme of Interest Subsidy on Educational Loan for Overseas Studies for the Students belonging to the OBCs and EBCs.

The Dr. Ambedkar Scheme of Interest Subsidy on Educational Loans for Overseas Studies for Other Backward Classes (OBCs) and Economically Backward Classes (EBCs) is a scheme that is dedicated for the promotion of education and more importantly education overseas among students belonging to OBCs and EBCs to study abroad in the programmes listed under this scheme.This education loan scheme is a Central Sector Scheme which is designed to provide educational loans to students belonging to OBC and EBC category to study abroad for Masters, M.Phil. and PhD level studies.


  • Students should secure admission in any of the approved courses under this scheme for Masters, M.Phil. or PhD.
  • The student should avail a loan from a scheduled bank of the Indian Banks Association (IBA) under the Education Loan Scheme.
  • An OBC caste certificate is necessary to be produced by the student to give it to the bank they are availing the loan from.

Income Ceiling

  • For OBC candidates, the income ceiling is Rs. 3 lakh per annum.
  • For EBC candidates, the income ceiling is Rs. 1 lakh per annum.
  • Income certificate needs to be produced by the student while availing an educational loan which can be viz. ITR, Form 16, Audited Accounts, Income certificate (State Govt authorized), UT administration.

Documents Required for Interest Subsidy on Educational Loan for Overseas Studies for EBC:

  1. Income certificate/ ITR/Form 16/Audited Accounts of employed candidate or his/her parents/guardians below Rs. 300000 (3 lakh)
  2. Admission proof that student is pursuing higher education in abroad e.g. I-20
  3. Aadhar card
  4. Identity proof e.g. passport
  5. Address proof e.g. electricity bill
  6. Bank details, account holder name, account number, IFSC code, MICR code

How to apply:

  1. The scheme is applicable for higher studies abroad. The interest subsidy will be linked with the existing educational loan scheme of Indian Banks Association (IBA) and restricted to students enrolled for course at Masters, M.Phil. and Ph.D. level
  2. Student has to go designated bank the designated banks will lay down the detailed procedure for processing and sanctioning of interest subsidy to eligible students in consultation with NBCFDC

Whom to Contact and Where to Contact:

  1. Student has to contact designated bank where he has applied for education loan and should check eligibility and apply with proper documents
  2. Should contact the District. Collector or District. Manager/Officer of respective SCA’s (state channelizing agencies)
  3. For getting state channelizing agencies address and contacts state wise please visit following link:

Padho Pardesh Scheme- A Scheme of Interest Subsidy On education loan

It was announced in June, 2006. It provides the scholarships for
meritorious students from minority communities will be formulated and implemented. The scheme of Interest Subsidy on educational loans for overseas studies will promote educational advancement of student from minority communities.


i) The Scheme is applicable for higher studies abroad. The interest Subsidy shall be linked with the existing Educational Loan Scheme of Indian Banks’ Association (IBA) and restricted to students enrolled for course at Masters, M.Phil and Ph.D levels.
ii) The interest subsidy under the scheme shall be available to the eligible students only once, either for Masters, M.Phil. or Ph.D. levels. Interest subsidy shall not be available to those students who either discontinued the course mid- stream, due to any reason, or those who are expelled from the institutions on disciplinary or academic grounds.
iii) If it is found that a student has violated any condition of the scheme, the subsidy will be discontinued forthwith.

iv) If a student is found to have obtained the subsidy by false
statement/documents/certificates, the subsidy will be withdrawn/cancelled forthwith and amount of the subsidy paid already, shall be recovered with penal interest, apart from taking criminal action as per law.
v) The students obtaining benefits under this Scheme shall not be given the interest subsidy if he gives up Indian citizenship during the tenure of the period.


The student should have secured admission in the approved courses at Masters, M.Phil or Ph.D levels abroad for the courses. He/ She should have availed loan from a scheduled bank under the Education Loan Scheme of the Indian Banks Association (IBA) for the purpose. Students should apply for the benefits under the scheme during 1st year itself of the course. Fresh applications received during 2nd year or subsequent years will not
be accepted in any case.

i) Total income from all sources of the employed candidate or his/ her
parents/guardians in case of unemployed candidate shall not exceed Rs. 6.00 lakh per annum.
ii) Income certificate issued by the competent authority in the State/ Union Territory should be submitted in support of income shown by a candidate.

i) 35% seats will be earmarked for girl students. In case of non-availability of girl students, seats can be transferred to boys students.
ii) The decision of the Selection Committee in regard to awarding the interest subsidy will be final and no appeal could be filed against it.

(i) Under the scheme, interest payable by the students availing of the education loans of the IBA for the period of moratorium (i.e. course period, plus one year or six months after getting job, whichever is earlier) as prescribed under the Education
Loan Scheme of the IBA, shall be borne by the Government of India.
(ii) After the period of moratorium is over, the interest on the outstanding loan amount shall be paid by the student, in accordance with the existing Educational Loan Scheme as may be amended from time to time.
(iii) The Candidate will bear the Principal installments and interest beyond moratorium period.

How to apply:

First, you need to avail the study loan from your chosen lender, and then apply for the Padho Pardesh scheme.

Submit all the relevant documents to your lender stating that you’re eligible for the interest subsidy scheme.

The lending organisation shall submit your personal information as well as education loan details on the scheme’s portal.

Ayushman Pradhan Mantri Jan Arogya Scheme- The health insurance scheme

This scheme also known as Ayushman Bharat Yojna. It aims to help economically vulnerable Indians who are in need of healthcare facilities. PM Narendra Modi rolled out this scheme on 23rd September, 2018 to cover about 50 crore citizens in india and already has several success stories to its credit. As of September 2019, it was reported that 18,059 hospitals have been empanelled, over 4,406,461 lakh beneficiaries have been admitted and over 10 crore e-cards have been issued. The PM Jan Arogya Yojana beneficiaries get an e-card that can be used to avail services at an empanelled hospital, public or private, anywhere in the country. With it, you can walk into a hospital and obtain cashless treatment.

Eligibility Criteria for rural and urban people

For rural:

24% of rural families access healthcare facilities by borrowing money. PMJAY’s aim is to help this sector avoid debt traps and avail services by providing yearly assistance of up to Rs. 5 lakh per family. The scheme will come to the aid of economically disadvantaged families as per data in the Socio-Economic Caste Census 2011. Here too, households enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will come under the ambit of the PM Jan Arogya Yojana.

In the rural areas, the PMJAY health cover is available to:

1) Those living in scheduled caste and scheduled tribe households

2) Families with no male member aged 16 to 59 years

3) Beggars and those surviving on alms

4) Families with no individuals aged between 16 and 59 years

5) Families having at least one physically challenged member and no able-bodied adult member

6) Landless households who make a living by working as casual manual labourers

7) Primitive tribal communities

For Urban:

PMJAY will benefit urban workers’ families in the occupational category present as per the Socio-Economic Caste Census 2011. Further, any family enrolled under the Rashtriya Swasthaya Bima Yojana will benefit from the PM Jan Arogya Yojana as well.

In the urban areas, those who can avail of the government-sponsored scheme consist mainly of:

1. Washerman / chowkidars

2. Rag pickers

3. Mechanics, electricians, repair workers

4. Domestic help

5. Sanitation workers, gardeners, sweepers

6. Home-based artisans or handicraft workers, tailors

7. Cobblers, hawkers and others providing services by working on streets or pavements

8. Plumbers, masons, construction workers, porters, welders, painters and security guards

9. Transport workers like drivers, conductors, helpers, cart or rickshaw pullers

People not entitled for the Health Cover under Pradhan Mantri Jan Arogya Yojana:

  • 1. Those who own a two, three or four-wheeler or a motorised fishing boat
  • 2. Those who own mechanised farming equipment
  • 3. Those who have Kisan cards with a credit limit of Rs.50000
  • 4. Those employed by the government
  • 5. Those who work in government-managed non-agricultural enterprises
  • 6. Those earning a monthly income above Rs.10000
  • 7. Those owning refrigerators and landlines
  • 8. Those with decent, solidly built houses
  • 9. Those owning 5 acres or more of agricultural land

How to apply:

  • Visit and click on ‘Am I Eligible’
  • Enter your mobile number and the CAPTCHA code and click on ‘Generate OTP’
  • Then select your state and search by name/ HHD number/ ration card number/ mobile number
  • Based on the search results you can verify if your family is covered under PMJAY

Alternatively, to know if you are eligible for PMJAY you can approach any Empanelled Health Care Provider (EHCP) or dial the Ayushman Bharat Yojana call centre number: 14555 or 1800-111-565

Some NGOs who spread and help to educate poor children in India

India has four NGOs for every 1,000 people in the urban areas, and 2.3 NGOs for every 1,000 people in rural areas. Some amazing education NGOs which are driving the change in the education sector.

1. Teach for India (TFI)

Shaheen Mistri’s, the founder of TFI, believes that only a people’s movement can ensure children’s quality education. Since 2009, TFI identifies and recruits bright candidates as fellows every year. Fellows commit to teaching low-income schools for two years. They enable the holistic development of students, and also make an impact on the school and community through their initiatives. At the end of two years, fellows are equipped with leadership skills and a deep understanding of the educational system. Today, alumni of the fellowship occupy positions of influence where they have the power to initiate macro level changes.

With a presence in 7 cities where 1,100 fellows are shaping the lives of 38,000 students, TFI is ensuring children receive education and at the same time building dynamic young leaders. Here is how you can help drive the revolution in education.

2. Pratham

It was established in 1995 to provide education to children in the slums of Mumbai. Today, it has grown in scope and reach with a focus on high quality, low cost, and replicable interventions which addresses the lapses in the education system. With a mission of ‘Every child in school and learning well,’ the organization has addressed several issues such as learning levels, dropout rates, child rights, and teacher training. Their programs focus on education, vocational training, technology, vulnerable children, and research and advocacy. Notably, it’s research and assessment unit publishes the Annual Status of Education Report (ASER), which is the only annual source of data on children’s learning outcome in the country today. 

3. The Akshaya Patra Foundation (TAPF)

Established in 2000 and headquartered in Bengaluru, the organization addresses malnutrition and supports the right to education of disadvantaged children. Working on a public-private partnership model, it provides fresh and nutritious meals to children in government and government-aided schools as an implementing agency of the government’s midday meal schemes. With a vision that no child shall be deprived of education because of hunger, it aims to feed 5 million children by 2025. TAPF focuses on technology to help scale their operations, with its state-of-the-art kitchens receiving worldwide acclaim. Today, TAPF is the world’s largest not for profit run Midday meal programme, serving 1.76 million children in 12 states. On February 11, 2019, it commemorated the serving of 3 billion meals! You can ensure that the Akshaya Patra is, indeed, never exhausted.

4. Akanksha Foundation

The Akanksha Foundation is a non-profit organisation with a mission to build the largest network of innovative schools that empowers children to maximise their potential and that influences systemic reform.

For over 28 years, Akanksha has educated children from low-income communities across Mumbai and Pune – first, through our after-school centers, and since 2007, through the Akanksha Schools.

Today, Akanksha is one of the largest urban networks of public-private partnership schools of its kind in India.

Challenges faced by the poor communities during lockdown

Women walk through a deserted village in India during the lockdown, April 2020.

COVID-19 and the lockdown have decimated incomes and threaten the food security of India’s rural population.It has been more than a month since India’s Prime Minister, Narendra Modi, announced a complete lockdown across India with just a few hours’ notice. At the time of his announcement, the country had no more more than a few hundred cases of COVID-19. However, Modi felt the country could not afford an outbreak of the virus. This is true, given that we have among the lowest access to and quality of healthcare in the world.

Here is the foundation that helps a lot to the poor people:

Mann deshi foundation:

Mann Deshi is a rural women’s organization dedicated to the economic empowerment of women. We are located in Mhaswad, a drought-prone area of Maharashtra. We run the country’s first cooperative bank for and by rural women, 20 business schools, and chambers of commerce that help women micro entrepreneurs set up and grow their businesses. They also run a community radio station that reaches about 100,000 people.

The Prime Minister asked communities to band together and support each other. For the poor, who have few financial resources and no income coming in, this is an enormous ask. But we have been deeply inspired to see, all around us, thousands of acts of kindness and resilience. Small and marginal farmers have begun distributing their produce free of cost to vulnerable families in their villages; neighbours, who have barely enough to feed their own families, have begun sharing their vegetables from their kitchen gardens; and when our grassroots workers came up with a list of over 10,000 families who were facing food insecurity, a generous funder and community volunteers stepped forward to support the most vulnerable with essential food and hygiene items.

While immediate food relief is a concern, so is safety. Since income had dried up for most women, our field staff wondered about the possibility of making masks as a source of livelihood for some.

Here are some people who work with their own creativity

Roopali Pavnikar, whose T-shirt making business had been suspended, offered her machines to cut large swathes of cloth.

Ranjana Kulshetty, who makes jute bags, offered her 10 sewing machines to start making masks.

Accredited social health activists (ASHA)

It monitors the health of their villages. These are our nation’s front-line healthcare workers; tens of thousands of women who live in every Indian village, and who go door-to-door monitoring the health of their community. Unfortunately, they are also amongst the most poorly paid government workers. During this time, they regularly visit up to 100 households each, collecting detailed medical information and reporting COVID-19 cases or suspected cases to the state. And they are doing this with no protective gear. We have distributed masks and sanitizer to about 1,200 women and are setting up a counselling and support service for them.

Those poor people are struggling a lot lockdown for poor people means more hunger, no food. So there is some foundations and help centres who gave food to eat clothes and who are facing financial crisis.

National old age pension scheme- The Social Security

Ministry of Rural Development of India has introduced Indira Gandhi National Old Age Pension Scheme (IGNOAPS) under National Social Assistance Programme (NSAP) in the year 2007. IGNOAPS also called as National Old Age Pension Scheme (NOAPS).

National Social Assistance Programme (NSAP) provides social assistance benefits to poor households in India such as old age person, widow and disability person. NSAP key objective is to ensure social protection to its beneficiaries in India.

Indira Gandhi National Old Age Pension Amount for senior citizen is as below:

S.No. Age of BPL Citizen. Amount

1. 60 to 79 years. Rs. 200 per month

2. 80 and above. Rs. 500 per month

Documents Required

The documents required for apply Indira Gandhi National Old Age Pension Scheme are as follows:

  • Application form for IGNOAP
  • Proof of age – The age certificate needs to be obtained from the concern medical officer and to be attested by the concerned Block medical officer.
  • Income certificate to be submitted
  • Below Poverty Line (BPL) card in the name of Applicant should be submitted.
  • Bank pass book or Post office passbook
  • Passport size photographs


All the Indian citizens are eligible for a pension account under National Pension Scheme through eNPS. Aadhaar is mandatory for opening an NPS account. The KYC for NPS is done using Aadhaar and One Time Password (OTP) authentication using your mobile number registered with Aadhaar.

All individuals above the age of 60 who live below the poverty line are eligible to apply for IGNOAPS.

How to apply

Step 1: Get an application form from Social Welfare Department in the concerned area.

Step 2: Fill all information in the Application form.

  • State, District and Block details
  • Name of the village Panchayat
  • Name of Society, Beneficiary and Heirs
  • House number
  • Gender (Male / Female)
  • Age and Date of Birth
  • Birth certificate details
  • Annual income and domicile certificate details.
  • EPIC number (Voter ID number)

Sample Copy of Indira Gandhi National Old Age Pension Application is given here.

Step 3: Submit the application form along with all documents to the concerned Tehsil Social Welfare Officers. An applicant from urban area can directly submit the application to concern District Social Welfare Officer.

Step 4: Application will be scrutinized or verified by officers

Step 5: Social Welfare department will recommend the beneficiaries to District Social Welfare Officer.

Step 6: The final sanction will be made by District Level Sanctioning Committee (DLSC).

Mode of Payment of Pension Amount

The old age pension amount will be credited to the beneficiary bank account or post office account as per the information furnished by Applicant.

Check Old Age Pension Scheme Beneficiaries List

Step 1: In the NASP web portal, select Beneficiary search option from the menu given.

Step 2: Select your State District Municipality, Grama Panchayat or Ward from the drop down menu.

Indira Gandhi National Old Age Pension Scheme Beneficiaries list will appear on the screen.

Mid day meal scheme – A nutritious promise programme

Nutrition, as we all know, forms the pillar for sustainable growth of the human body and mind. One of the primary objectives of the Mid-Day Meal Scheme—the world’s largest school feeding programme — is to enhance children’s nutritional profile, thus having a positive impact on their health as well as learning outcomes. It was launched in 1995 comes under the human resource development. The programme supplies free lunches on working children. No midday meal scheme made many changes and is covered under the National Food Security Act, 2013. It provides everyday meal and Mid-day meal (MDM) is a wholesome freshly-cooked lunch served to children in government and government-aided schools in India. 

Who is eligible?

Children studying in Primary and Upper Primary Classes in Government, Govt. Aided, Local Body, EGS and AIE Centres, Madarsa and Maqtabs supported under Sarva Shiksha Abhiyan and NCLP Schools run by Ministry of Labour are eligible for Mid Day Meal.

Moreover, when children are healthy, they are less likely to miss school due to illness, and considering that absenteeism is one of the major impediments when it comes to education, the nutritional mid-day meal is no doubt a blessing for children. In a country like India, where hunger and malnutrition are chronic issues, long-term exposure to a nutritional program as an educational intervention is of great significance.

According to norms under the scheme, pulses, rice, rotis, vegetables, with fruits and milk on certain days, are to be served to school-going children to ensure necessary nutrition to them. The scheme is designed to provide a minimum of 450 calories per child per day, of which at least 12 grams should be of protein each day. These meals should be served to each child at least 200 days a year.

“We are working on changing the mid-day meal scheme and it will be a big revamp. Most changes will be related to financing and monitoring,” a senior HRD ministry official said.

“We are not planning on changing the meal type as many of the children come from poor families and the mid-day meal is the only nutritious one that they have in a day. We cannot change the menu from dal, roti, rice and such things to dry items.”

Main objectives:

  • Improving the nutritional status of children in classes I – VIII in Government, Local Body and Government aided schools, and EGS and AIE centres.
  • Encouraging poor children, belonging to disadvantaged sections, to attend school more regularly and help them concentrate on classroom activities.

Meal provision

The scheme guidelines envisage to provide cooked mid-day meal with 450 calories and 12 g of protein to every child at primary level and 700 calories and 20 g of protein at upper primary level. This energy and protein requirement for a primary child comes from cooking 100 g of rice/flour, 20 g pulses and 50 g vegetables and 5 g oil, and for an upper primary child it comes from 150 g of rice/flour, 30 g of pulses and 75 g of vegetables and 7.5 g of oil.

Just a labour and sewer cleaners, jobless due to lockdown

We are now trapped due to lockdown but we all are creating some new things everday. Some became chef during lockdown and having fun. But what about those who doesn’t have enough money to survive their lives. Yes, they are not happy. Yes, they fight everday to fulfill their needs. Yes, they starve everyday. Yes, they fight for death everyday. Yes, they struggles a lot but not get respect, money, can’t afford anything. Yes, they are laborers or sewer cleaners or sweepers. Sewer cleaners life is a hard life. The practice of manual scavenging involves workers physically entering sewers or septic tanks to clean out excreta. The work has historically been connected to Dalit communities in India, making its prevalence not just a question of capability but also one of social mores. But now they are jobless due to lockdown. But why to enter in it just like other countries we can also provide some machines which can automatically clean the sewage system that’s how they’ll do their work and no shortage of money wiuld be there. Entering into it is very dangerous for the person because of germs. And yes its a hell. Helping them by providing some kind of new technologies and that would be more beneficial to the person and for the country.

A labour who works a lot but now they are jobless due to lockdown. No money, no food. So donating some money will help them a lot. Donation is one of the biggest solution.

Here are many people who are not having enough money to have food or for medicine or for hospital charges. If want to donate you can go various social media pages on insta like milaap, kettoindia or from facebook you can pay through paytm. The above pic says ” i m just a labour, jobless due to lockdown. I sold and spent everything i had for my first son who suffered from brain disease. Now the second one is also suffering the same thing. He needs urgent treatment to survive i am not having enough money and no one to ask for. Your donation is the only way to save my child.” Your donation will save a precious life.

Central Government Schemes for single girl child

Girls are the future of nation. They are having an equal hand in nation’s progress and ensuring well being for the country. To keep these in mind government started various schemes for girl child along with the central and state government. Educate the girl and she will be also having a beautiful future.

Government had started schemes for any initial benefits like for farmers or for the old age but there are schemes for the girls too. The main moto of the schemes for girls is to create awareness and importance of a girl child, their education and to save a girl child. Some schemes provide free education for girls who’s parents can’t afford. Building up their better future, having enough money for their savings. Here are some benefits of launching the schemes:

* The interest rate on FDs and accounts in these schemes are higher and this allows more savings.

* The terms and conditions are clear that the savings should be used for girl child for their better future or for their marriage.

Here are some schemes for girl child and how to apply for it

1. Beti bachao, beti pdhao yojna (save the daughter, educate the daughter)

Country: India

This schemes was launched on 22nd January, 2015 by PM Narendra Modi. Its aim is to address the issue of the declining child sex ratio image (CSR) and is a national initiative jointly run by the Ministry of Women and Child Development, the Ministry of Health and Family Welfare and the Ministry of Human Resource Development.

To only educate them not to kill them. They are the future of nation. They also have the equal rights in any sections. People should celebrate the birth of their girl child and educate them with full responsibility as they do for the boy.

“Let us celebrate the birth of the girl child. We should be equally proud of our daughters. I urge you to sow five plants when your daughter is born to celebrate the occasion.” -PM Narendra Modi to citizens of his adopted village Jayapur.


* A girl age should be below the 10 with having a family.

* There should SSA account in bank in the name of a girl child.

* Should be a Indian citizen.

How to apply

  • Visit the bank or post office wherever the scheme is available
  • Obtain and Fill the application form for BBBP/SSA
  • The form is to be filled manually and attached with all the required documents
  • Submit the documents to the same bank/post office. The account must be opened in the name of the girl child

Note: This account can be easily transferred from one bank/post office account to another bank/post office account

2. Suknaya samriddhi account

Country : India

It is a government programme targeted at the parents of girl children. The scheme encourages parents to build a fund for the future education and marriage expenses for their female child. It was launched on 2015 by PM Narendra Modi and is a part of beti bachao beti pdhao.


  • Only parents or legal guardians of the girl child can open a Sukanya Samriddhi account in the name of the girl.
  • The girl child should be less than 10 years at the time of account opening. The account can be operational till the girl reaches the age of 21 years.
  • The initial investment can start from Rs. 250 and a maximum of Rs. 1,50,000 annually with further deposits in the multiples of Rs. 100.
  • A single girl child cannot have multiple Sukanya Samridhhi accounts.
  • You can benefit from higher interest rates offered by company fixed deposit
  • Only two Sukanya Samriddhi Yojana accounts are allowed per family i.e., one for each girl child.


  1. Fill the application form.
  2. Carry ID and Address proof.
  3. Good if you have Aadhaar card.
  4. Birth certificate of the girl child.
  5. Fill out the SSY Account opening form.
  6. Keep the documents ready along with photographs.
  7. Pay the deposit amount (any amount between Rs. 250 and Rs. …
  8. You can give a standing instruction at the branch or you can set up automatic credit to SSY Account through NetBanking.

3. Ladli laxmi yojna

Country: India

This scheme was launched by the Government of Madhya Pradesh on 2nd May, 2007. The objective of this scheme is to bring a change in the negative approach of the society towards the birth of a girl child.

  • The Government provides Rs. 1 Lakh to applicant’s family for her marriage
  • Girls who are married before the age of 18 will not be benefited under the Ladli Laxmi Yojana


  • The girl child whose parents are a native of Madhya Pradesh. The parents of the girl child must not be paying any kind of tax to the Government
  • In case of a second girl child, the parents who have adopted family planning can get the benefits of the scheme
  • The lump sum amount of Rs.1 lakh gets released only when the registered girl child is not married before the age of 18 years
  • In case the girl leaves her education in between, she will not be eligible to get any benefits of the scheme
  • Two girls from a family will be benefited under Ladli Laxmi Yojana. However, in case the girls are twins then the third girl child will also get the benefit
  • The scheme stands valid only for the ones people below poverty line
  • An orphan girl child can receive the benefits of this scheme only when she is adopted and the certificate of adoption is duly submitted by the family.

How to apply

  • Visit and click on “Application Letter” to proceed
  • There are three options on the page- Public Service Management, General Public and Project Officer
  • Select and Click on “General Public” 
  • Read and Fill the form carefully. Click on “Save” to apply
  • The applicant is required to attach scanned copies of all the mandatory documents with the application form and click on submit to send the form for further selection process.

Is money donation the only way to save a life

We all know about the donation but what if it could not save the lives. Money donations are right because money is the important source of our lives. But beside this there are more donations which you can go through like blood donations or making some useful things from the old clothes. Helping the kids in orphanage. Making yourself with the first volunteer planning about what to do for them and what to make for them. Making some toys with the old clothes that would be more beneficial or giving them an education so that they can also learn about what is happening in this world, learn about faith, love, wisdom, sincere, sacrifice, success, helping others.

Blood donations

Blood is donated when a person is in need of it. It may be of a whole blood and may be a part of it.

Who can donate blood

You can donate blood if you are eligible to donate blood with having good health. A proper test has been done it sees that whether you are capable of it or not.

Who cannot donate blood

You will be denied if your blood tests positive for: HIV-1, HIV-2, human T-lymphotropic virus (HTLV)-I, HTLV-II, hepatitis C virus, hepatitis B virus, West Nile Virus (WNV), and T. pallidum (syphilis). Blood donation is actually a quick and easy way to get tested for all of these things.

How you can donate blood

You must be 18 years old and above not less than 18. Should be healthy and not having any internal problem. Find a local blood bank.

Here is a hero who just save a 14 years old girl’s life without hesitation by donating blood

A Mumbai cop who just save a life of a girl by donating blood. When the lockdown had trapped us tight and cyclone nisarga threatened to shake our world. He was on duty then found her family helpless due to cyclone and covid 19. So always be a volunteered. Donate to the needed people if you can like Donate Sadaqah.

Helping with old clothes by making soft toys and be a volunteer

We all are having old clothes which we sometimes threw them but we can you it and can make some different things. You can make a small bag from that or make a soft toy by filling cotton inside it and distribute/ donate the owner of orphanage.

When to give

You can give as per choice or when asked on a monthly basis. So by this always be a volunteer. A volunteer needs a time initiating and how to be innovative how much skills you can share how much you are passionate about and how much time you can give in this. A quote which inspired us all by National volunteer and philanthropy centre that think about the cause you are passionate about, how much time you can commit and the skills you can share when considering volunteering .

Yes, we bleed and there is nothing about to shame

Yes, we bleed and it matters a lot because we’re girls, we bleed every month. Yes, we use pads and we do have periods, but there’s no need to keep sanitary napkins in black polybags or wrap it with newspapers; it’s a reality and it’s not going to change ever by keeping it away from the peeps eye catch….and if rapists are not the taboo to the society then this is nothing.

How to help the poor people

Numerous people surviving in this world who are not having shelter to protect themselves, food to remove their starves, clothes to cover themselves, money to feed their family. They don’t even know about the education because they don’t have the money to study in schools or universities. Though we know that government and ngos are working for them but it can be our contribution to them a part giving them will not let anyone down. So here are some tips you can use while helping them:

1. Social media

So this the number 1 platform where you can easily give your contribution. Like you can easily donate from apps which are helping the poor people. In facebook there is number of pages for donating. Also, emails instagram where could one donation will help them a lot. And helping those needy people will make you happy.

2. Donation

Donations can be number of types like cash donations, clothes donations. So if you are having old clothes you can easily gave them to wear. Just don’t through them you can donate to those who are not having clothes to cover themselves. By this they will have a smile on their face.

3. Education

Education is must required for everyone but some poor people couldn’t afford it so there is a free education system for those people who wants to study. Poor People just dream to study in schools but they can’t now what we can do is as a part time for us non beneficial we could start teaching those poor people. Giving them proper information about anything they want. They’ll learn lot of new things some basic things in our daily lives and that too will remove the poverty also.

4. Donate groceries

As they are not having enough money to buy food and sometimes remains in hunger. So here you can also donate groceries/ eatable items so they don’t feel helpless.

Ways to donate food:

* Directly to your local food bank – find the nearest one.

* Add collection points in supermarkets across the country.

* By hosting a collection at your school/ universities/ temple/ church/ business/ friends for your local food bank

5. Financial help

“Being rich is having money; being wealthy is having time.” — Margaret Bonnano. Money is an important part of financial freedom. But it’s simply a vehicle to pursue living your best life. You can always make more money but you can’t make more time.

Though we all know that money is soo important part of our lives. Helping those needy by financial support. Give some charity so that they can also live happy like us. Support them with some amount of money. Giving a small loans so that they can open their own business and can feed themselves. As if financial support is their one can easily be helpful from the hospitals and buying the medicines which are expensive and poors can’t afford it they can also save the life of their lovedones.

So here were the some tips that cou

Government schemes to lead economic development and financial stability for upliftment of poor people

Government has launched various schemes, programs for the needy ones and right for the education schemes. So during lockdown we people are busy making variety of foods new recipes but if we look on the other side the poor ones who need soo much help from the government and from us also. Though, the government is launching schemes for the poor like the Pradhan Mantri Gareeb kalyan yojna( PMGKY) where the poor ones are getting 5 kg of rice/ wheat for three months. Other several schemes are also their for helping them. They are surviving a lot from this as they are jobless and not having a one time meal. Soo people should help them by giving a one time meal and some donations. So that they are living peacefully and they can fulfilled their needs.

On one hand, there are people who live their life lavishly. They are not only enjoying the joy of essentials but also have what they want and desire; a luxurious living providing them an extra comfort. On the other hand, there are people who cannot even afford the basic requirements of living. They do not have shelter to live, food to eat, and clothes to wear.People who have extra are living a comfortable and a posh life. While those who have barely the vitals are fighting each day for life.They fail to meet the basic requirements.

There are people who have much more than they need to live while others have barely enough to survive.

On one hand, there are people who live their life lavishly. They are not only enjoying the joy of essentials but also have what they want and desire; a luxurious living providing them an extra comfort. On the other hand, there are people who cannot even afford the basic requirements of living. They do not have shelter to live, food to eat, and clothes to wear.People who have extra are living a comfortable and a posh life. While those who have barely the vitals are fighting each day for life.They fail to meet the basic requirements.

There are people who have much more than they need to live while others have barely enough to survive.

Poor people do not have enough clothing, food, education and healthcare. Being poor means deprived economically, politically and socially. They hardly get opportunities. They have inadequate nutrition, higher risk of diseases and lack access to healthcare and basic essentials for living resulting in low achievement.

One cannot make such people opulent but can at least help them achieve the essentials of life and lead a prosperous life. Helping the poor and needy people is a good deed. Caring for the poor and needy people and helping them is a noble endeavor. The more you give to poor and needy people, the more you strengthen their dependency. If you give them the chance or opportunity, you’ll see an effective and long-lasting improvement in their lives. Create a new system built on inter-dependency which motivates them to work and move forward and their dignity is maintained. Tossing out money or other kinds of donation do help the poor and needy people but the need is to direct your energies and efforts in raising them, building relationship, teaching them and moreover, regaining their self-confidence and self-esteem to work for themselves.

Social media can help a lot just by donating a portion of their proceeds. Just a portion will give them a second life donating through any charity app would help them a lot so there is proper economic development and financial

How to make a better morning?

A lovely good afternoon to everyone soo, here i am a first user and this is my first post that would be my first choice as a topic to start a day. As i was looking after these quarantine days people are getting lethargic and working online these days. So here some points that you should kept in your mind:

* While getting up have some stretching. Also most important is be happy.

* Get a warm class of water with honey so that it will give a cure to your stomach and you’ll feel fresh.

* While you sitting and taking an online classes so just rotate your legs so that no fat is stored in your thighs. Also rotate your wrist by this you’ll be fit and also your work been done.