The Union Government launches several schemes for the citizens of India from time to time. The schemes launched by the Union Government which concentrates on providing benefits for an individual are the Union Government Schemes for Individuals in India. They are launched for the purpose of improving the livelihood of the people and providing security for leading a better life. Each scheme is launched to provide benefits to the individual in certain areas of their life. Some schemes grant financial security while others aim to provide socio-economic measures. The beneficiaries covered under most of the individual schemes are the rural people, urban poor, low-income families, economically backward sections or weaker sections of the society. The list of Union Government Schemes for Individuals In India are stated below.
Atal Pension Yojana
 "List of Union Government Schemes for Individual in India 1")
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Atal Pension Yojana was passed in the Union Budget of 2015-16 by the then Honorable Finance Minister, Mr Arun Jaitley. This scheme is a pension scheme which aims at providing pension to the unorganised sector of the society such as the maids, gardeners, delivery boys, etc. Even the Private sector employees or employees who work in an organisation which does not provide pension benefits to them can also apply for this scheme.
Atal Pension Yojana is administered by the Pension Fund Regulatory and Development Authority (PFRDA). This scheme provides options for getting a fixed pension starting from Rs.1000 to Rs.5000 on attaining the age of 60 years. The individuals who can avail this scheme must be between the age of 18 and 40 and should contribute for a minimum of 20 years.
Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)
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The Government of India introduced the Unnat Jeevan by Affordable LEDs and Appliances for All Scheme in 2015. This scheme is implemented by the Energy Efficiency Services Limited, a joint venture of four Public Sector Undertakings under the Ministry of Power. This scheme enables the price-sensitive customers to buy LEDs at affordable rates.
This scheme aims to promote every household to have LED-powered appliances. This scheme is of utmost importance to enable the country’s broad base of price-sensitive customers to purchase LEDs at affordable rates. Every domestic household in the country can obtain the benefits under this scheme if they have a metered connection from their respective Electricity Distribution Company.
Ayushman Bharat Yojana
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Ayushman Bharat Yojana is a health protection scheme which provides health insurance to the citizens of India. It was launched on 23 September 2018. It is an initiative under the existing National Health Protection Scheme and also referred to as Ayushman Bharat – National Health Protection Scheme (AB-NHPS).
Under this scheme, insurance coverage of up to Rs.5 lakh on a family floater basis is provided to the beneficiaries every year. The insurance coverage provided is for receiving primary, secondary, and tertiary healthcare services. The poor deprived rural families and identified occupational category of urban workers’ families based on the Socio-Economic Caste Census (SECC) are eligible to avail this scheme as beneficiaries.
Grameen Kaushalya Yojana or DDU-GKY
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Deen Dayal Upadhyaya Grameen Kaushalya Yojana is a part of another scheme,i.e. National Rural Livelihood Mission scheme. This scheme was announced on 25 September 2014 by the Ministry of Rural Development. This scheme was launched to provide training, employment and placement for jobs to the poor rural youth between the age of 15 and 35. Even the unemployed rural youth or anyone who earns a daily wage doing odd jobs with even a little bit of schooling is eligible for obtaining training and employment under this scheme.
Pradhan Mantri Gramin Awaas Yojana
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Pradhan Mantri Awaas Yojana-Gramin, previously the Indira Awaas Yojana scheme, came into effect from 1 April 2016. This scheme was effected for addressing the gaps in the rural housing program and for achieving the Government’s commitment to providing “Housing for All’’ by 2022.
This scheme aims to provide a pucca house which has all the necessary amenities to the houseless and to the households living in kutcha and dilapidated houses. The beneficiaries under this scheme are all the houseless and households living in zero, one or two-room houses with kutcha hall and kutcha roof as per SECC (Socio-Economic and Caste Census) data.
Pradhan Mantri Matritva Vandana Yojana
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Pradhan Mantri Matritva Vandana Yojana is a social welfare scheme introduced in the year 2017. This scheme is implemented under the Ministry of Women and Child Development. This scheme provides a direct cash benefit to the pregnant and lactating mothers who are above the age of 19 for the birth of their first living child.
Pradhan Mantri Matritva Vandana Yojana covers all pregnant women or lactating mothers except those employed with the Government or those who receive similar benefits under some other law for the time being. But this scheme covers only those women whose pregnancies commence after 01.01.2017.
Deen Dayal Upadhyaya Antyodaya Yojana
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Deen Dayal Upadhyaya Antyodaya Yojana (DAY) is the integration of two Government schemes,i.e. National Urban Livelihoods Mission (NULM) and National Rural Livelihoods Mission (NRLM). The Ministry of Housing and Urban Poverty Alleviation launched NULM. The Ministry of Rural Development launched NRLM in June 2011. The aim of DAY is the upliftment of the urban and rural poor by providing them skill development and enhancement of their sustainable livelihood opportunities.
NULM is implemented for the reduction of poverty and vulnerability of the urban poor households. NRLM provides effective and efficient institutional platforms to the rural poor for providing improved access to financial services and increasing their household income through sustainable livelihood opportunities.
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