Pradhan Mantri Yojna ke Major Schemes ko Samajhna Bharat Sarkar ne kai welfare schemes launch ki hain jinka lakshya nagrikon ki zindagi ko behtar banana hai. Ye programs, jo Pradhan Mantri Yojanas kehlaate hain, economic growth badhane, garibi kam karne aur zaroori services pradan karne ke liye designed hain. Chaliye kuch pramukh Pradhan Mantri Yojanas ko samajhte hain.
1. Pradhan Mantri Jan Dhan Yojana (PMJDY)
2014 mein launch hui Pradhan Mantri Jan Dhan Yojana ka maqsad financial inclusion dena hai, khaaskar un logon ko jo financial system se door rahe hain. Is scheme ke tehat logon ko zero-balance savings account, debit card, accidental insurance cover, aur pension schemes ka labh milta hai. PMJDY ne kai Indians ko pehli baar bank account kholne ka mauka diya, jisse wo formal banking system ka hissa ban sake.
2. Pradhan Mantri Awas Yojana (PMAY)
Pradhan Mantri Awas Yojana 2015 mein launch hui thi, jiska lakshya 2022 tak sabke liye affordable housing pradan karna tha. Ye scheme urban aur rural housing par focus karti hai, khaaskar economically weaker sections, low-income groups, aur middle-income groups ke liye. PMAY ke tehat ghar lene ke liye loans par subsidies milti hain aur ghar banwane ke liye financial support diya jata hai.
Is scheme ke do mukhya components hain:
- PMAY-Urban: Shehri ilakon mein ghar banwane aur loans par subsidies pradan karta hai.
- PMAY-Gramin: Gaon ke logon ko affordable housing ka labh milta hai.
3. Pradhan Mantri Ujjwala Yojana (PMUY)
2016 mein shuru hui Pradhan Mantri Ujjwala Yojana ka maqsad garibi rekha ke neeche (BPL) wale parivaron ko LPG connection pradan karna hai. Is scheme ka khaas lakshya mahilaayein hain, jo pehle traditional cooking methods ka use karti thi, jisse health ko nuksan hota tha. Ye scheme ghar ke andar ki hawa ko behtar banane ke sath mahilayon ko shakti pradan karti hai, kyunki isse cooking mein lagne wala samay aur shram kam hota hai.
4. Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
2019 mein launch hui Pradhan Mantri Kisan Samman Nidhi scheme kisanon ko direct income support deti hai. Is scheme ke tehat chhote aur seemant kisanon ko har saal ₹6,000 milte hain, jo teen barabar installments mein diye jate hain. Is financial support ka maqsad krishi ke liye zaroori cheezon jaise beej, khaad, aur equipment kharidne mein madad karna hai.
Ye scheme Bharat ke rural economy ke liye ek bada sahara sabit hui hai, jisse krishi utpaadakta badhne ke sath kisanon ka aarthik dabav kam hota hai.
5. Pradhan Mantri Mudra Yojana (PMMY)
2015 mein shuru hui Pradhan Mantri Mudra Yojana ka maqsad micro-enterprises ko financial support dena hai. Is scheme ke tehat chhote vyapariyon ko ₹10 lakh tak ka loan milta hai teen categories ke tahat:
- Shishu (₹50,000 tak)
- Kishor (₹50,001 se ₹5,00,000 tak)
- Tarun (₹5,00,001 se ₹10,00,000 tak)
Ye loans bina kisi collateral ke diye jate hain, aur iska lakshya non-corporate, non-farm sector ko support karna hai, khaaskar chhoti aur micro-enterprises jaise dukaan, service providers, aur artisans ke liye.
6. Pradhan Mantri Fasal Bima Yojana (PMFBY)
2016 mein launch hui Pradhan Mantri Fasal Bima Yojana ek mahatvapurn crop insurance scheme hai, jo kisanon ko prakritik aapdaon, keet, aur bimariyon ke kaaran fasal ke nuksan se bachati hai. Is scheme ke tehat kisanon ko apne nuksanon ka muawza milta hai, jo krishi ke financial risks ko kam karta hai.
7. Ayushman Bharat (Pradhan Mantri Jan Arogya Yojana – PMJAY)
Duniya ki sabse badi healthcare programs mein se ek, Ayushman Bharat (PMJAY), 2018 mein launch hui thi jiska lakshya health insurance dena hai. Ye scheme Bharat ke 100 million se zyada low-income parivaron ko ₹5 lakh tak ka health cover pradan karti hai, har saal ke liye secondary aur tertiary care hospitalization ke liye. Ye scheme khaaskar gareeb aur kamzor varg par focus karti hai aur health treatments ko accessible aur affordable banati hai.
Conclusion
Pradhan Mantri Yojanas Bharat mein ek broad spectrum ke government initiatives ko darshati hain, jinka maqsad inclusive growth hasil karna, garibi ko mitana aur zindagi ko behtar banana hai. Chahe wo financial inclusion, housing, healthcare, ya krishi ho, ye schemes underserved logon ki madad karne ke liye designed hain. Financial access, healthcare, aur housing jaise core issues ko address karte hue, Pradhan Mantri Yojanas ne Bharat ke socio-economic vikas mein ek bada yogdan diya hai.
Ye initiatives sirf programs nahi balki wo powerful tools hain jo desh ke kai logon ki zindagi badal rahe hain.