misaal | fellowship - changemakers’ · 2019. 3. 2. · 10 rashtriya arogya nidhi [ran] 79 11...

CHANGEMAKERS’ MANUAL

ACCESS TO RIGHTS, ENTITLEMENTS AND

OPPORTUNITIES

P U B L I S H E D B Y M I S A A L F O U N D A T I O N M - 5 , H A U Z K H A S , (R E A R S I D E , G R O U N D F L O O R) , A U R O B I N D O M A R G , N E W D E L H I - 1 1 0 0 1 6 , I N D I A

Misaal was founded on notions of justice, equality and pluralism. It seeks to

strengthen civil society among poor minorities and other deprived groups in the

poorest parts of India, to enable communities to access justice and rights, and

to encourage inter-group dialogue and understanding.

Misaal is committed to a just, equal, democratic, and pluralistic India. It envisions

a society where individuals and groups – however they define themselves – have

an equal chance in life, as empowered citizens, and where they live, side by side,

in peace and harmony, as members of the same national community. We aspire

to empower minorities and other marginalized communities to overcome the

significant barriers they face in obtaining justice and access to services.

R E A C H U S W E B S I T E : W W W . M I S A A L . N G O E M A I L : I N F O @ M I S A A L . N G O F A C E B O O K : M I S A A L F E L L O W S H I P

Contents

Sl. No. Title Pg No

Foreword 1

Chapter I: Education Related Schemes

Introduction

3

A. Scholarships and Schemes for Students from Minority

1 Pre-Matric Scholarships Scheme for Minorities 5

2 Post-Matric Scholarships Scheme for Minorities 6

3 Merit cum Means Scholarship For Professional and Technical Courses 8

4 Naya Savera: Free Coaching and allied Scheme for Minority Communities

Students

9

5 Maulana Azad National Fellowship for Minority Students 10

6 Padho Pardesh: Scheme of Interest Subsidy on Educational Loans for Overseas

Studies

12

7 Nai Udaan

13

B. Scholarships and Schemes for Students with Disabilities

8 Pre-matric Scholarship for Students with Disabilities 15

9 Post-matric Scholarship for Students with Disabilities 16

10 Scholarships for Top Class Education for Students with Disabilities 17

11 National Fellowship for PwDs 18

12 National Overseas Fellowship for Students with Disabilities 19

13 Free Coaching for Students with Disabilities 20

14 Saksham Scholarship Scheme for Differently-abled Students (Diploma/Degree)

for Technical Education

21

C. Scholarships and Schemes for Students from SC Communities

15 Pre-matric Scholarship for SC Students 23

16 Pre-Matric Scholarship for Students whose parents are engaged in occupations

involving cleaning and prone to health hazards

24

17 Post-Matric Scholarship for Schedule Caste Students 24

18 Scheme of Upgradation of Merit of SC Students 25

19 Central Sector Scholarship of Top Class education for SC students 26

20 National Overseas Scholarship for SC and other candidates 27

21 Rajiv Gandhi National Fellowship for Scheduled Caste Students 29

22 Scheme of Free Coaching for SC and OBC Students

29

D. Scholarships and Schemes for Students belonging to ST communities

23 Post Matric Scholarships to the Students belonging to Scheduled Tribes 31

24 Pre Matric Scholarships to the Students belonging to Scheduled Tribes 32

25 National Overseas Scholarships for ST Candidates 33

26 National Fellowship and Scholarship for Higher Education of ST students 34

27 PG Scholarship for SC/ST Students Pursuing Professional Courses 36

28 Post Doctoral Fellowship to SC/ST Candidates

36

E. Scholarships and Schemes for Students from OBC communities

29 Pre-Matric Scholarship for OBC Students 38

30 Post-Matric Scholarship for OBC Students 39

31 National Fellowship for OBC candidates

40

F. Scholarships and Schemes for Women/Girl Students

32 National Scheme of Incentive to Girls for Secondary Education [NSIGSE] 41

33 Post Graduate Indira Gandhi Scholarship for Single Girl Child 42

34 Swami Vivekananda Single Girl Child Scholarship for Research in Social

Sciences

42

35 Pragati Scholarship Scheme for Girls (Diploma/Degree) for Technical

Education

44

36 Balika Samridhi Yojana 45

37 Post-Doctoral Fellowship to Women Candidates 46

38 Udaan Programme for Girl Students

48

G. Other Targeted Schemes and Scholarships

39 Scheme for Award of Financial Assistance for Education (Scholarship) to the

children of Beedi/Cine/IOMC/LSDM Workers

49

40 Aam Aadmi Bima Yojna Scholarship for Andhra Pradesh 50

41 Prime Minister's Scholarship Scheme For Central Armed Police Forces And

Assam Rifles

50

42 Prime Minister's Scholarship Scheme For RPF/RPSF 52

43 ISHAN UDAY - Special Scholarship Scheme For North Eastern Region 53

44 Prime Minister's Special Scholarship Scheme [PMSSS] for Jammu & Kashmir

students

54

45 Scholarship Scheme for Children of Workers in Jute Industry 55

46 Cultural Talent Search Scholarship Scheme 56

47 Scholarship to Young Artists 56

48 UNNATI - A Scholarship Scheme under National Children's Fund for

Academic Excellence of Children

57

H. Other Scholarships and Schemes

49 National Means Cum Merit Scholarship 59

50 Central Sector Scheme for Scholarships for College and University Students 60

51 PG Scholarship for University Rank Holders 61

52 PG Scholarship (GATE/GPAT) 61

53 AICTE National Doctoral Fellowship Scheme [NDF] 62

54 Central Sector Interest Subsidy Scheme 63

55 Kishore Vaigyanik Protsahan Yojana 64

56 National Talent Search Scheme

65

Chapter II: Health Related Schemes

Introduction

67

A. Schemes Relating to Maternity and Infants

1 Pradhan Mantri Matru Vandana Yojana [PMMVY] 69

2 Janani Suraksha Yojana [JSY] 71

3 Janani Shishu Suraksha Karyakram 72

4 Pradhan Mantri Surakshit Matritva Abhiyan [PMSMA] 73

5 Mission Indhradhanush (Immunization Programme) 74

6 National Deworming Day 75

7 Rashtriya Bal Swasthya Karyakram 75

8 Rashtriya Kishor Swasthya Karyakram

76

B. Schemes Relating to Treatment of Certain Diseases and Ailments

9 Health Minister's Discretionary Grant [HMDG] 78

10 Rashtriya Arogya Nidhi [RAN] 79

11 Health Minister's Cancer Patient Fund [HMCPF - RAN] 80

12 Pradhan Mantri National Dialysis Program 82

13 Affordable Medicines and Reliable Implants for Treatment [AMRIT] 83

14 Integrated Child Development Services [ICDS] 84

15 Mid-Day Meal Programme 85

16 National Iron Plus Initiative

86

C. Schemes Assisting the Elderly and Persons with Disabilities

17 National Programme for the Health Care of the Elderly [NPHCE] 87

18 Assistance to Disabled Persons for Purchase/Fitting of Aids/Appliances

88

D. Health Insurance Schemes

19 Rashtriya Swasthya Bima Yojana [RSBY] 89

20 Ayushman Bharat - Pradhan Mantri Jan Arogya Abhiyan 90

21 Niramaya

92

Chapter III: Social Security Related Schemes

Introduction

94

1 Indira Gandhi National Old Age Pension Scheme [IGNOAPS] 95

2 National Family Benefit Scheme [NFBS] 96

3 Indira Gandhi National Widow Pension Scheme [IGNWPS] 97

4 Atal Pension Yojana [APY] 98

5 Pradhan Mantri Jeevan Jyoti Yojana 99

6 Pradhan Mantri Suraksha Bima Yojana [PMSBY] 100

7 Indira Gandhi Disability Pension Scheme [IGNDPS] 101

8 Annapurna Scheme 102

9 Central Victim Compensation Fund 103

10 Pradhan Mantri Ujjawala Yojana 104

11 Working Women Hostel 105

12 Prerna Scheme 106

13 One Stop Centre 107

14 Disha - Early Intervention and School Readiness Scheme 108

15 Vikaas Scheme 109

16 Samarth Scheme for Respite Care 111

17 Gahraunda - Group Home for Adults with Disabilities 112

18 Dr. Ambedkar Scheme for Social Integration through Inter-Caste Marriages

113

Chapter IV: Livelihood Related Schemes

Introduction

115

1 Mahila Coir Yojana 116

2 Credit Enhancement Guarantee Scheme for the Scheduled Castes 116

3 Venture Capital Fund for Scheduled Castes 118

4 New Swarnima Special Scheme for Women 120

5 Seekho aur Kamao 121

6 Pradhan Mantri Mudra Yojana [PMMY] 122

7 Mahatma Gandhi National Rural Employment Guarantee Act [MGNREGA] 124

1

Foreword

Entitlements are rights as benefits to which individuals who meet certain eligibility criteria

are beneficiaries. These criteria are specified in the laws that authorise these programmes.

Beneficiaries of entitlement schemes and programmes are usually citizens of a State,

however, under domestic law or international law and norms non-residents/foreigners and

organisations (businesses, political parties, local governance bodies etc.) are eligible for

specific entitlements. Entitlements may also be legal right mandated by the legislature and

enforceable by judiciary. Entitlements or public benefits include many programmes and

schemes, for example, social welfare (social security, pension, unemployment benefits, food

security etc.), health related or medical, education, livelihood, sanitation, labour rights,

housing or agriculture related schemes.

The human rights-based approach to development has found recent support from State,

intergovernmental organisations and non-governmental stakeholders. The human rights

approach to development enables the rights holder by making them aware of entitlements as

rights. It focuses on awareness, capacity building, advocacy and use of legal instruments to

empower marginalised individuals and groups. Central human rights principles that play an

important role in the implementation of human rights based approach to benefits and

entitlements are:

(i) participation and inclusion

(ii) non-discrimination and equality

(iii) accountability

One of the primary challenges to operationalising a human rights based approach to

development has been efficient implementation of public delivery mechanisms and

government services on public goods. This gap cannot be addressed just by raising awareness

on rights/entitlements or by campaign based mobilisation of civilians. This gap can only be

improved by successful advocacy (based on the awareness and public mobilisation) by social

entrepreneurs and activists. Advocacy to improve the implementation of human rights based

development model includes two things. First, it focuses on creating State sponsored systems

and mechanisms that can help deliver rights and entitlements. Second, it focuses on

2

improving access of public to State organs like Courts, Police, District Legal Services

Authorities, Block level offices, District level offices etc.

This manual is a compilation of the various programmes and schemes that make up the

portfolio of entitlements that individuals enjoy under various domains, viz. Education,

Health, Social Security and Livelihoods, mostly those enacted by the Central Government.

The purpose of this compendium is to help practitioners – grassroots activists and mobilisers;

local intermediaries; NGO functionaries and indeed citizens and beneficiaries - to use as a

ready reckoner and guide to educate community members and successfully advocate for

accessing schemes and claiming rights that individuals are entitled to.

Misaal, New Delhi

January, 2019

3

Chapter I

Education Related Schemes

Introduction

Education, closely related with literacy in the policy formations of Indian administrators, has

often proved to be a tool by which historically oppressed and marginalised communities have

been able to gain social mobility. Education is the process of facilitating learning, or the

acquisition of knowledge, skills, values, beliefs, and habits. Literacy is narrowly understood

as the ability to read and write, or more expansively as competence or knowledge in a

specified area. Both these components are vital to provide citizens with a sense of self-worth

and dignity in addition to being crucial in gaining employment and achieving social mobility.

Therefore, education is required to be seen as a right which the state provides for through

universal basic schooling and higher educational opportunities.

Multiple struggles have been waged by Peoples' Movements in order to make education

accessible for all. In the past decade, 'Right of Children to Free and Compulsory Education

Act' (known commonly as the Right to Education Act), was passed in 2009 after a long

campaign by civil rights groups involving educationists, policy makers and activists involved

with critical literacy. The campaign and the outcome in the form of the RTE Act was a step in

the direction towards making education not simply accessible to all and focused on literacy,

but rather to make it student-centric and introduce critical thinking within school curriculums.

A few decades earlier in the 1970s, the Hoshangabad Science Training Programme (HSTP)

created new pathways by which teaching science was made to break out of the moulds of

bookish knowledge and included experiences the students had with the world around them.

The HSTP was initiated by educationists and scientists working in laboratories across India,

who focused their efforts in primary government schools in the state of Madhya Pradesh. In

doing so, the participants of the HSTP prioritized providing alternative education to students

of government schools, not limiting it to expensive institutes in urban centres.

At the time of Independence and during the nation-building exercise, constitution assembly

debates reveal much about the focus that education had for certain leaders of India. Dr.

Ambedkar ensured that reservations within public institutions, including those of education,

4

would be provided as a matter of rights to the communities that hitherto had remained

excluded from such entitlements. This followed in the lineage of radical leaders Savitribai

Phule and Jyotiba Phule who sought to make education available to women and those from

the marginalised castes. In 1990, India saw a struggle to implement the Mandal Commission

Report's (submitted in 1980) recommendations which included setting reservations for those

from OBC communities. Measures like reservations, which have emerged out of long

struggles only go on to point out that education should be provided as a right, and especially

more so for those from communities that have and continue to face discrimination.

In India, however, there is a long way to go in achieving proportional representation in the

area of education. The All India Survey on Higher Education (AISHE) 2017-18, shows that

14.41% of students enrolled in higher education belong to SC communities as compared to

their proportion of 16.2% in the total population of India. 5.22% of students enrolled in

higher education belong to ST communities as compared to their proportion of 8.2% in the

total population of India. 5% of students enrolled in higher education come from the Muslim

community, compared to their share of the population being 14.23%. The skewed statistics

show that educational progression for these communities require further efforts and the

entitlements offered by the government are a step in this direction.

5

A. Scholarships and Schemes for Students from Minority

1. Pre-Matric Scholarships Scheme for Minorities

The scholarship at pre-matric level will encourage parents from minority communities to

send their school going children to school, lighten their financial burden on school education

and sustain their efforts to support their children to complete school education. The scheme

will form the foundation for their educational attainment and provide a level playing field in

the competitive employment arena. Empowerment through education, which is one of the

objectives of this scheme, has the potential to lead to upliftment of the socio economic

conditions of the minority communities.

Eligibility:

Students from minority communities who are studying between classes I to class X, in

government schools or in eligible private schools as notified by the State government.

Annual family income should not exceed Rs. 1 lakh

Benefits:

Amount of scholarship money provided varies depending on the class in which the

student is enrolled, ranging from Rs. 350 to Rs. 500 per annum.

Maintenance allowance ranging from Rs. 100 to Rs. 600 per month. Maintenance

allowance is provided for 10 months in an academic year.

Procedure for application:

The scheme is implemented through the National Scholarship Portal (NSP). It is

mandatory for all students to apply online on the website i.e.

www.scholarships.gov.in.

The scheme will be announced through different media outlets. Interested applicants

should regularly look for updates on www.scholarships.gov.in.

Documents required:

An Income Certificate, issued from a competent authority in the State/UT

governments is required in respect of parent/guardian of the student.

www.scholarships.gov.in


6

A Self-Certified Community Certificate is required from the student who has attained

18 years of age. For others the Community Certificate certified by the parent/guardian

of the student is required.

Bank details are to be provided as scholarship amount will be credited to the student's

bank account directly under Direct Benefit Transfer (DBT) mode.

Aadhaar card details are to be provided, and if not available then documents as

notified by the scholarship portal are to be provided.

Institution Verification form.

Previous marksheets.

Fee receipt of current course year.

Residential/domicile certificate.

Other Features:

30% of scholarships are earmarked for girl students of each minority community in a

State/UT.

For those applicants who are renewing their scholarships, the continuance of award

will be subject to securing 50% marks in the previous year's examination.

2. Post-Matric Scholarships Scheme for Minorities

The objective of the scheme is to award scholarships to meritorious students belonging to

economically weaker sections of minority community so as to provide them better

opportunities for higher education, increase their rate of attainment in higher education and

enhance their employability.

Eligibility:

Students from minority communities who have secured not less than 50% marks or

equivalent grade in the previous final examination.

Annual family income should not exceed Rs. 2 lakh.

7

Benefits:

Scholarship ranging from Rs. 3,000 to Rs. 10,000 per annum depending on course

enrolled in.

Maintenance allowance ranging from Rs. 230 to Rs. 1200 per month. Maintenance

allowance is provided for 10 months in an academic year.







Documents required:

An Income Certificate, issued from a Competent Authority in the State/UT

Governments is required in respect of parent/guardian of the student.










Fee receipt of 'current course year'.


Other Features:


State/UT.





8

3. Merit cum Means Scholarship for Professional and Technical Courses

The objective of the Scheme is to provide financial assistance to the poor and meritorious

students belonging to minority communities to enable them to pursue professional and

technical courses.

Eligibility:

Students from minority communities who are registered in technical or professional

courses.

They should have secured not less than 50% marks or equivalent grade in the previous

final examination.

Annual family income should not exceed Rs. 2.5 lakh

Benefits:

Scholarship amount of Rs. 20,000 per annum.

Maintenance allowance of Rs. 500 to Rs. 1000 per month. Maintenance allowance is

provided for 10 months in an academic year.

There is a list of 85 Reputed Premier Institutes, covered under the scheme, for which

a student is eligible for full Course Fee reimbursement as scholarship during an

academic year. A list of such Institutes is available here:

http://www.minorityaffairs.gov.in/sites/default/files/Institution_List.pdf







Documents required:

An Income Certificate, issued from a Competent Authority in the State/UT

Governments is required in respect of parent/guardian of the student.

http://www.minorityaffairs.gov.in/sites/default/files/Institution_List.pdf



9










Fee receipt of 'current course year'.


Other Features:


State/UT.



4. Naya Savera: Free Coaching and allied Scheme for Minority Communities Students

The scheme aims to empower the students belonging to minority communities and prepare

them for competitive examinations, so that their participation in government and private jobs

improves. The scheme provides financial support for free coaching to notified minority

students in selected coaching institutions. The courses for which coaching will be imparted

ranges from competitive examinations conducted by the UPSC, SPSC, etc. to entrance

examinations for admission in engineering/medical courses and other professional courses.

Please refer to the guidelines for an extensive idea of the courses:

http://www.minorityaffairs.gov.in/sites/default/files/FreeCoaching-Guidelines.PDF

Eligibility:

Candidates belonging to the notified minority communities, and who have secured

the requisite marks in the qualifying examination prescribed for admission into the

desired courses/recruitment examinations.

http://www.minorityaffairs.gov.in/sites/default/files/FreeCoaching-Guidelines.PDF

10

Total family income from all sources should not exceed Rs.6.00 lakh per annum,

Benefits:

Free coaching through government coaching centres/universities or registered private

institutions/NGOs towards competitive exams, entrance exams, and public sector

jobs. Stipend of Rs. 2500 is also provided per month.


Application information will be available at the website of the Ministry of Minority

Affairs: http://www.minorityaffairs.gov.in/

5. Maulana Azad National Fellowship for Minority Students

The objective of the scheme is to provide integrated five year fellowships in the form of

financial assistance to students from minority communities, as notified by the Central

Government to pursue higher studies such as M.Phil. and Ph.D. at Indian

Universities/Institutions/Colleges

Eligibility:

Candidate should belong to one of the minority communities – Muslim, Christian,

Sikh, Buddhist, Parsi & Jain notified under Section 2 (c) of the National Commission

for Minorities Act, 1992.

Candidate should submit the minority community certificate on an actionable and

legally valid affidavit, until the State Government/Union Territory administration

starts to issue the minority community certificate.

Candidate should be registered for regular and full time M.Phil/Ph.D courses in

University/Academic Institution by fulfilling conditions of admission of that

University/Institution.

The annual income of the beneficiary/parents or guardian of the beneficiary should

not exceed Rs. 2.5 lakh from all sources. Candidate should submit his/her income or

his/her parent’s/guardian’s income certificate issued by the appropriate Authority.

The candidate should have secured a minimum score of 50% at Post Graduate level.

http://www.minorityaffairs.gov.in/

11

Transgender candidates are eligible to apply under the scheme. The reservation shall

be followed as per Government of India norms.

Benefits:

Fellowship amount similar to that of JRF and SRF released by the UGC. Additional

contingency funds and assistance funds are provided.


The University Grants Commission [UGC] is the nodal body to provide the

fellowship. Applications are to be done online. Applicants may regularly check the

UGC website for details and the dates of the scheme: https://www.ugc.ac.in/manf/

Documents required:

Domicile Certificate

Minority Community Certificate (Affidavit on a non-judicial stamp paper of Rs.10/-).

Format can be downloaded here:

https://www.ugc.ac.in/manf/Downloads/AFFIDAVIT_MANF.pdf

Scanned Copy of Candidate's Recent Color Photograph And Signature

NET/JRF award letter or marksheet in case award letter has not been received.

Master’s degree and marksheet

Verification certificate to be uploaded at the designated place after getting it signed

and attested by the Competent Authority. Applications attested by officers other than

Registrar of University, Director of Institute or Principal of the College shall be

treated as incomplete and will not be considered for award of fellowship.

Disability certificate, if applicable.

https://www.ugc.ac.in/manf/

https://www.ugc.ac.in/manf/Downloads/AFFIDAVIT_MANF.pdf

12

6. Padho Pardesh: Scheme of Interest Subsidy on Educational Loans for Overseas

Studies

The objective of the scheme is to award interest subsidy to meritorious students belonging to

economically weaker sections of notified minority communities so as to provide them better

opportunities for higher education abroad and enhance their employability.

Eligibility:

Students belonging to minority communities who are admitted to Master's level

course, MPhil or PhD in universities abroad.

Annual family income should not be more than Rs. 6 lakh.

Benefits:

Interest for the loan will be borne by Government of India, for the moratorium period.


Application to be done through online portal as set up by the Ministry of Minority

Affairs. Interested applicants should regularly check the website of the Ministry of

Minority Affairs: http://www.minorityaffairs.gov.in/

Other notes:

The student 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.


13

7. Nai Udaan

The objective of the scheme is to provide financial support to the minority candidates

clearing prelims conducted by Union Public Service Commission, Staff Selection

Commission and State Public Service Commissions to adequately equip them to compete for

appointment to Civil Services in the Union and the State Governments and to increase the

representation of the minority in the Civil Services by giving direct financial support to

candidates clearing Preliminary Examination conducted by Union Public Service

Commission (UPSC); State Public Service Commission’s (SPSCs) for Group A and B

(Gazetted Post) and Staff Selection Commission (Combined Graduate Level) for Group

‘B’(Non Gazetted posts).

Eligibility:

The candidate should belong to one of the minority communities.

The candidate should have passed the Civil Services Prelims Examination conducted

by UPSC, or SPSCs, or SSCs.

Total family income of the candidates from all sources should not exceed Rs. 6.0 lakh

per annum.

The financial support can be availed by a candidate only once. The candidate will not

be eligible to benefit from any other similar Scheme of the Central or State

Governments /UT Administrations.

Benefits:

Maximum assistance of Rs. 1 lakh for clearing preliminary exam conducted by UPSC,

Rs. 50000 for clearing preliminary exam conducted by SPSC, and Rs. 25000 for

clearing preliminary exam conducted by Staff Selection Commissions-Combined

Graduate Level.


Eligible candidates may apply online through the portal i.e. www.naiudaan-

moma.gov.in for availing of the benefit under the Scheme within one month from the

date of declaration of result. For other information please refer to the website of the

Ministry of Minority Affairs: http://www.minorityaffairs.gov.in/

www.naiudaanmoma.gov.in%20

www.naiudaanmoma.gov.in%20


14

Documents required:

Scanned photo and scanned signature.

Self declaration of belonging to Minority Community or Minority Community

certificate as per the format available at http://naiudaan-

moma.gov.in/WriteReadData/FormAndGuidelines/FormAndGuidelines_207.pdf

Scanned documents for identity i.e. Aadhaar Card., PAN Card, Driving License,

Voter ID Card, Passport, Ration Card, BPL Card.

Scanned copy of a cancelled cheque of Bank Account or copy of Bank Passbook of

the student to verify the Account Number and Banks IFSC Code.

Scanned copy of an affidavit on Non-Judicial Paper of Rs. 5/10/20/- duly notarized to

the effect that he/she is not availing/not availed financial assistance from any other

source

Scanned copy of Admit Card of the particular exam

Scanned copy of roll number slip with copy of result page in which the roll number is

reflected.

http://naiudaan-moma.gov.in/WriteReadData/FormAndGuidelines/FormAndGuidelines_207.pdf

http://naiudaan-moma.gov.in/WriteReadData/FormAndGuidelines/FormAndGuidelines_207.pdf

15

B. Scholarships and Schemes for Students with Disabilities

8. Pre-Matric Scholarship for Students with Disabilities

The scheme was created to support students with disabilities to study further in order to

prepare themselves to earn their livelihood and to find a dignified place for themselves in

society as they face several barriers – physical, financial, psychological, mental – in pursuing

studies and living with dignity.

Eligibility:

PwD student who is enrolled in class IX or X in a government school or government

recognised school under central/state board of secondary education.

Benefits:

Scholarship of Rs. 500 to day scholars and Rs. 1000 to hostellers, per month.

Additional book grant of Rs. 1000 per annum and disability allowance ranging from

Rs. 2000 to Rs. 4000 depending on the type of disability.


The Department of Empowerment of Persons with Disabilities will announce the

details of the scheme and invite applications by issuing an advertisement in all leading

newspapers and through websites and other media outlets. Applications can be made

through online mode only, through the National Scholarship Portal. The scheme is

implemented through the National Scholarship Portal (NSP). It is mandatory for all

students to apply online on the website i.e. www.scholarships.gov.in.

Interested applicants should regularly look for updates on www.scholarships.gov.in.

Documents Required:

Photograph

Proof of age

Disability certificate

Income certificate of parents

Tuition fee receipt



16

Last academic qualification certificate

9. Post-Matric Scholarship for Students with Disabilities

The scheme was created to support students with disabilities to study further in order to

prepare themselves to earn their livelihood and to find a dignified place for themselves in

society as they face several barriers – physical, financial, psychological, mental – in pursuing

studies and living with dignity.

Eligibility:

PwD student who is enrolled in classes XI, XII or post-matriculation

diploma/certificates, or Bachelor’s degree in India, or Master’s degree in any

institution recognized by the UGC or AICTE.

Benefits:

Maintenance allowance ranging from Rs. 1600 to Rs. 550 per month depending on

course and hostel facility. Disability allowance ranging from Rs. 2000 to Rs. 4000

depending on the type of disability.

Reimbursement of compulsory non-refundable fees not exceeding Rs. 1.5 lakh.

Book allowance of Rs. 1500 per annum.









Additionally, all institutions have to register themselves should also register

themselves at www.scholarships.gov.in.in order for students to be able to process

their applications.



17

Documents Required:

Photograph

Proof of age

Disability certificate

Income certificate of parents

Tuition fee receipt

Last academic qualification certificate

10. Scholarships for Top Class Education for Students with Disabilities

This scheme aims at recognizing and promoting quality education among students with

disabilities by providing full financial support. It covers students with disabilities for

pursuing studies at the level of graduate or post-graduate degree or diploma in notified

institutes of excellence identified by the Department of Empowerment of Persons with

Disabilities.

Eligibility:

PwD students enrolled for graduate or post-graduate degree/diploma in notified

institute of excellence in education.

Benefits:

Reimbursement of tuition fees upto Rs. 2 lakh per annum.

Maintenance allowance ranging from Rs. 1500 to Rs. 3000 per month depending on

hostel facility.

Special allowances related to disability amounting to Rs. 2000 per month.

Amount of Rs. 5000 per annum for books and stationary.

Additional Reimbursement of expenses related to aids and technology amounting to

Rs. 60,000 as a one-time expense.




18






Other Notes:

Of a total of 300 scholarships, 50% are reserved for women students.

11. National Fellowship for PwDs

The scheme caters to a total of 200 fellowships per year to students with disabilities. The

scheme covers all universities and institutions recognized by the UGC. It is intended to

provide financial assistance to students with disabilities for pursuing higher education leading

to degrees such as MPhil or PhD in India. Additionally, it is intended to enable PwDs to be

eligible for employment to the posts of lecturers in various colleges and universities.

Eligibility:

Any PwD student registered in an MPhil/ PhD course in an institution in India.

Benefits:

Fellowship amount similar to that of JRF and SRF released by the UGC.

Additional contingency funds depending on stream of study being pursued is provided

and ranges from Rs. 10,000 to 12,000 for the initial two years and Rs. 20,500 to Rs.

25,000 for the remaining tenure.

Assistance funds are provided.




UGC website for details and the dates of the scheme: https://www.ugc.ac.in/manf/



https://www.ugc.ac.in/manf/

19

12. National Overseas Fellowship for Students with Disabilities

The scheme is intended to provide financial assistance to students with disabilities who are

selected for Master’s level course and PhD abroad. Twenty scholarships are awarded every

year.

Eligibility:

PwD student with necessary qualification who have been granted admission to MA or

PhD course overseas.

Family income cap of Rs. 6 lakh.

Benefits:

Tuition fees covered along with other costs.

Various amounts of assistance provided depending on the country where higher

education is being pursued.

Various contingencies and financial awards. This includes travel costs, visa

applications, etc.


Candidates shall apply through the notifications given at the website

http://disabilityaffairs.gov.in/

Candidates shall be selected through a screening committee that is formed through the

Department of Empowerment of Persons with Disabilities.

Other Requirements:

Candidates in employment should provide a ‘No Objection Certificate’ by the

employer.

Candidates are required to make applications with three years of being admitted to the

course of study abroad.


20

13. Free Coaching for Students with Disabilities

The scheme intents to provide coaching for economically disadvantaged students with

disabilities, to enable them to appear in competitive examinations and succeed in obtaining an

appropriate job. Free coaching shall be provided at selected institutes.

Eligibility:

PwDs with family income cap of Rs. 6 lakh.

Benefits:

Free coaching through government coaching centres/ universities or registered private


jobs. Stipend ranging from Rs. 4500 to Rs. 7000 is also provided per month.

Courses for coaching:

Recruitment examinations conducted by the UPSC, Staff Selection Commission

(SSC)

Recruitment examinations conducted by the State Public Service Commissions in

respective states.

Recruitment examinations conducted for various Public Sector Undertakings (PSUs)

and banking posts.

Entrance examinations for admission to various professional courses.

Procedure for application and selection:

Candidates should apply to and will be selected by certain coaching institutions as

approved by the Department of Empowerment of Persons with Disabilities.

Candidates may also regularly check the website of the Department of Empowerment

of Persons with Disabilities: http://disabilityaffairs.gov.in/


21

14. Saksham Scholarship Scheme for Differently-abled Students (Diploma/Degree) for

Technical Education

Saksham is a MHRD Scheme being implemented by of AICTE aimed at providing

encouragement and support to students with disabilities to pursue Technical Education. This

is an attempt to give every young student, who is otherwise differently-abled, the opportunity

to study further and prepare for a successful future.

Eligibility:

Students with disabilities admitted to 1st year of diploma/degree course in AICTE

approved institutions.

Income cap of Rs. 8 lakh per annum.

Benefits:

Fee waiver/tuition fee reimbursement of Rs. 30,000.

In case of candidate applying for fee waiver, an amount of Rs. 30,000 may be

reimbursed to the candidates selected for this scheme for the purchase of Books/

Equipment/ Software’s/ Laptops/Desktop/ Vehicle/ Fee paid towards competitive

examination applications forms/exam fee for all examinations related to higher

education/employment.

Additional allowance of Rs. 2000 per month every year.


Interested applicants are to register through the national scholarship portal:

https://scholarships.gov.in/. Interested applicants should check the website regularly

for updates and further information.

Applicants should also refer to the All India Council of Technical Education (AICTE)

website for further information: https://www.aicte-india.org/

Documents required:

Mark Sheet of standard Xth /XIIth / others as applicable.

Annual family Income Certificate for the preceding financial year in the prescribed

format issued by not below the rank of Tahsildar.

Disability certificate issued by Competent Authority

https://scholarships.gov.in/

https://www.aicte-india.org/

22

Admission letter issued by Directorate of Technical Education for the admission in

Diploma/Degree course.

Certificate issued by the Director/Principal/ Head of the Institute.

Tuition fee receipt.

AADHAR seeded Bank Pass Book in the name of the student indicating Account

number, IFSC code and Photograph

Caste Certificate for SC/ST/OBC category.

AADHAR Card

Declaration by parents duly signed stating that the information provided by their child

is correct and will refund Scholarship amount, if found false at any stage.

Other notes:

For a list of FAQs please see:

https://www.aicte-India.org/sites/default/files/Final%20FAQ.pdf

https://www.aicte-india.org/sites/default/files/Final%20FAQ.pdf

23

C. Scholarships and Schemes for Students from SC Communities

15. Pre-matric Scholarship for SC Students

This scheme is a Centrally Sponsored Scheme and implemented through State Government

and UT administration. The objectives of the scheme are to support parents of SC children for

education of their wards studying in classes IX and X so that the incidence of drop-out,

especially in the transition from the elementary to the secondary stage is minimized, and to

improve participation of SC children in classes IX and X of the pre-matric stage, so that they

perform better and have a better chance of progressing to the post-matric stage of education.

Eligibility:

Student should belong to a SC communities

She/he should be a regular, full time student studying in a Government School or in a

School recognized by Govt. or a Central/State Board of Secondary Education, and

studying in class IX and X.

Annual family income should not exceed Rs. 2.5 lakh.

Benefits:


Additional grant of Rs. 1000 per annum for hostellers and Rs. 750 for day scholars.


The Scheme will be implemented through State Governments/U.T. Administrations.

All the State Governments/UT Administrations will, at the appropriate time, suitably

publicise the Scheme and invite applications by issuing an advertisement in local

language, in the leading newspapers of the State and through their respective websites

and other media outfits. The applicant should submit the complete application to the

prescribed authority, before the last date prescribed for receipt of applications.

24

16. Pre-Matric Scholarship for Students whose parents are engaged in occupations

involving cleaning and prone to health hazards

The objective of the scheme is to provide financial assistance to children of whose

parents/guardians belong to one of the following categories, to pursue Pre-matric education:-

Persons who are Manual Scavengers, Tanners & Flayers, Waste pickers and Persons engaged

in hazardous cleaning.

Eligibility:

Students whose parents occupations fall under the categories as notified by the GoI

and are enrolled between classes I and X.

Benefits:

Scholarship of Rs. 225per month to day scholars and Rs. 700per month to hostellers,.

Additional grant of Rs. 1000 per annum for hostellers and Rs. 750 for day scholars.


The concerned Department of the State Government/Union Territory administration

will supply the application forms, which should be received back by that department

along with prescribed certificate, by the last date.

Other notes:

For more details, applicants may refer to a section of the Ministry of Social Justice

and Empowerment: http://socialjustice.nic.in/SchemeList/Send/24?mid=24541

17. Post-Matric Scholarship for Schedule Caste Students

Post Matric Scholarship scheme is a Centrally Sponsored Scheme and implemented through

State Government and UT administration. The Scheme provides financial assistance to the

Scheduled Caste students studying at post matriculation or post-secondary stage to enable

them to complete their education. These scholarships are available for studies in India only

and are awarded by the government of the State/Union Territory to which the applicant

actually belongs i.e. permanently settled.

http://socialjustice.nic.in/SchemeList/Send/24?mid=24541

25

Eligibility:

Students belonging to SC communities studying in post-matriculation stages.

Annual family income should not exceed Rs. 2.5 lakh.

Benefits:

Maintenance allowance amounting to Rs.380/- to 1200/- per month for hostellers and

Rs. 230/- to Rs. 550/- per month for day scholars, dependent on level of study.

Additional allowances for various costs incurred while in programme of study are

provided.


All the State Governments/UT Administrations will announce in May-June, the

details of the scheme and invite applications by issuing an advertisement in the

leading newspapers of the State and through their respective websites and other media

outfits. All requests for application forms and other particulars should be addressed to

the Government of State/Union Territory Administration to which the scholars

actually belong. The applicant should submit the completed application to the

prescribed authority before the last date prescribed for receipt of applications.

18. Scheme of Upgradation of Merit of SC Students

The objective of the Scheme is to upgrade the merit of SC students by providing them

remedial and special coaching in classes IX to XII. While the remedial coaching aims at

removing deficiencies in various subjects, the special coaching is provided with a view to

prepare the students for competitive examinations for seeking entry into professional courses

like engineering and medical disciplines.

Eligibility:

Students belonging to SC and ST communities studying between classes IX and XII

in schools selected by the state government.

Family income does not exceed Rs. 3 lakh.

26

Benefits:

Financial assistance of Rs. 15,000 per year (inclusive of hostellers charges).

Additional amounts in the case of student being a PwD.


While the scheme is a 100% centrally sponsored scheme, selection of schools and

students are done by the state government.

19. Central Sector Scholarship of Top Class education for SC students

This scheme aims at recognising and promoting quality education among students belonging

to SCs, by providing full financial support. The scheme will cover SC students for pursuing

studies beyond Class XII, and will operate in all institutions notified by the Ministry of Social

Justice and Empowerment.

Eligibility:

Students belonging to SC communities

Candidates should have been admitted to a full time course in any of the notified

institutions.

Total family income cap of Rs. 6 lakh per annum.

Benefits:

Full tuition fee reimbursement (ceiling of Rs. 2 lakh).

Allowances of Rs. 2200 per month and grant of Rs. 3000 per annum for books and

stationary.

A computer (cost of maximum Rs. 45000) will be provided to the student. The

Ministry will release funds directly to the concerned institutions in a single

installment on a yearly basis.

27






should regularly look for updates on www.scholarships.gov.in. and

http://socialjustice.nic.in/

Other notes:

A list of the notified institutions can be found at

https://scholarships.gov.in/public/schemeGuidelines/Top_Class_Education_Scheme_

2018.pdf

30% of the scholarships are reserved for women candidates.

20. National Overseas Scholarship for SC and other candidates

This scheme provides financial assistance to the finally selected candidates for pursuing

Master level courses and PhD abroad in the accredited Institutions/University by an

authorized body of that country, under the Scheme in following specified fields of study:

Engineering and Management; Pure Sciences & Applied Sciences; Agricultural Sciences and

Medicine; Commerce, Accounting & Finance; and Humanities & Social Science.

One hundred awards, subject to availability of funds, per year are available under the

Scheme.

Eligibility:

Students belonging to SC, NT and DNT communities or from families of landless

agricultural labourers and traditional artisans.

Total family income cap of Rs. 6 lakh.

Minimum of 55% marks or equivalent grade in relevant Master's degree for those

candidates applying for PhD programme, and a minimum of 55% marks or equivalent

grade in relevant Bachelor's degree for those candidates applying for Master's

programme.




https://scholarships.gov.in/public/schemeGuidelines/Top_Class_Education_Scheme_2018.pdf

https://scholarships.gov.in/public/schemeGuidelines/Top_Class_Education_Scheme_2018.pdf

28

Candidates are to already have taken admission in an accredited foreign institution.

However, if they have already left the country before the issuance of the notification

for applications, they will not be eligible.

Benefits:

Annual maintenance allowance of USD 15400 (if enrolled in a university in USA or

other country), or GBP 9900 (if enrolled in the UK).

Tuition fees will be paid by the Ministry.

Additional allowances such as visa charges, air passage charges medical insurance

premiums, etc. are also granted.


Advertisements/ notifications are published at the website of the Ministry of Social

Justice and Empowerment: http://socialjustice.nic.in/

Applications should be sent at the following address to this Ministry (employed

candidates through proper channel), in the prescribed application form which will

form a part of the advertisement published by the D/o SJ&E in Employment News

/Rozgar Samachar: "Director (SCD-V), Ministry of Social Justice and

Empowerment, Department of Social Justice and Empowerment Room No.636 - ‘A’

Wing, Shastri Bhavan, Dr. Rajendra Prasad Marg, New Delhi-110 001."

Documents Required:

Self Attested photo copies of the following documents must accompany with applications:

Matriculation or other certificate as proof for date of birth

(b) All Degrees/Diplomas/Certificate with mark sheets,

(c) Income certificate in the prescribed format.

Offer letter if obtained admission

Caste Certificate issued by a Competent Authority

In case of Passage Grant additional information with a statement indicating:

Details of merit scholarship and the manner in which it has been obtained

Self Attested copy of the letter of the award.


29

21. Rajiv Gandhi National Fellowship for Scheduled Caste Students

The scheme caters the requirements of the Scheduled Caste students for pursuing research

degree in universities, research institutions and scientific institutions. This will not only

enable them to be eligible for employment to the posts of Lecturers lying vacant in various

colleges and universities but will equip them to effectively take advantage of the growing

opportunities at the national and international level in the context of the new economic order.

The scheme caters to a total number of 2000 Fellowships (Junior Research Fellows) per year

to Scheduled Caste students.

Eligibility:

Candidates belonging to SC communities who are enrolled in MPhil or PhD courses

in a university or institution, subject to completing the formalities required for

admission at the particular institution.

Benefits:

Fellowship amount similar to that of JRF and SRF released by the UGC.

Additional contingency funds and assistance funds are provided.




UGC website for details and the dates of the scheme: https://www.ugc.ac.in/

22. Scheme of Free Coaching for SC and OBC Students:

The objective of the Scheme is to provide coaching of good quality for economically

disadvantaged Scheduled Castes (SCs) and Other Backward Classes (OBCs) candidates to

enable them to appear in competitive examinations and succeed in obtaining an appropriate

job in Public/Private Sector.

Eligibility:

Students belonging to SC and OBC communities


https://www.ugc.ac.in/

30

Benefits:

Free coaching through government coaching centres/ universities or registered private


jobs.

Stipend ranging from Rs. 2500 for local students attending coaching classes to Rs.

5000 for outstation candidates is also provided per month.

Courses for coaching:

Recruitment examinations conducted by the UPSC, Staff Selection Commission

(SSC)

Recruitment examinations conducted by the State Public Service Commissions in

respective states.

Recruitment examinations conducted for various Public Sector Undertakings (PSUs)

and banking posts.

Entrance examinations for admission to various professional courses.

Eligibility tests/examinations like SAT, GRE, GMAT and TOEFL.


Candidates should apply to and will be selected by certain coaching institutions as

approved by the Ministry of Social Justice and Empowerment.

Candidates may also regularly check the website of the the Ministry of Social Justice

and Empowerment: http://socialjustice.nic.in/

List of notified coaching institutions provided at




31

D. Scholarships and Schemes for Students belonging to ST

communities

23. Post Matric Scholarships to the Students belonging to Scheduled Tribes

The objective of the scheme is to provide financial assistance to the Scheduled Tribe students

studying at post matriculation or post-secondary stage to enable them to complete their

education.

Eligibility:

Students belonging to ST communities pursuing post matriculation studies.

Family income cap of Rs. 2.5 lakh.

Benefits:

Varying scholarship amounts depending on level of study, and if hosteller or not.

Amount ranges from Rs. 230 to Rs. 1200 per month.

Certain allowances related to registration, and other costs are also released.

Further allowances released to PwD students.






and other media outfits. The applicant should submit the completed application to the

prescribed authority, as mentioned below before the last date prescribed for receipt of

applications.

Documents required:

One copy of the application for scholarship in the prescribed form

One copy of the passport size photograph with signatures of the student thereon.

A certificate (in original) of Scheduled Tribe duly signed by an authorized Revenue

Officer not below the rank of Tehsildar.

32

An income declaration of parents by the employer. If the parents are self-employed,

affidavit stating self-declaration of income is required.

A receipt in acknowledgement of the scholarship in the previous year on the form

attached to the application only duly counter-signed by the Head of the

Institution/School concerned, if the applicant was in receipt of a scholarship under

this scheme in the preceding year.

One attested copy of certificates, diploma, degree, etc. in respect of all examinations

passed.

Other notes:

Only those candidates who belong to Scheduled Tribes so specified to the State/UT to

which applicant has her/his domicile, are eligible.

24. Pre Matric Scholarships to the Students belonging to Scheduled Tribes

The objectives of the scheme are to support parents of ST children for education of their

wards studying in classes IX and X so that the incidence of drop-out, especially in the

transition from the elementary to the secondary stage is minimized, and to improve

participation of ST children in classes IX and X of the pre-matric stage, so that they perform

better and have a better chance of progressing to the post-matric stage of education.

Eligibility:

Students belonging to SC communities studying in class IX and X in a government

school or a school recognised by government or central/state board of secondary

education.

Total family income does not exceed Rs. 2 lakh.

Benefits:


Additional book grant of Rs. 1000 per annum for hostellers, and Rs. 750 for day

scholars.

33

Additional allowances for PwD students.






and other media outfits. The applicant should submit the completed application to the

prescribed authority, as mentioned below before the last date prescribed for receipt of

applications.

Documents required:

One copy of the application for scholarship in the prescribed form

One copy of the passport size photograph with signatures of the student thereon.

A certificate (in original) of Scheduled Tribe duly signed by an authorized Revenue

Officer not below the rank of Tehsildar.

An income declaration of parents by the employer. If the parents are self-employed,

affidavit stating self-declaration of income is required.

A receipt in acknowledgement of the scholarship in the previous year on the form

attached to the application only duly counter-signed by the Head of the

Institution/School concerned, if the applicant was in receipt of a scholarship under

this scheme in the preceding year.

25. National Overseas Scholarships for ST Candidates

The scheme provides financial assistance to students from ST communities selected for

pursuing higher studies abroad in certain subjects at the Master's level, and for PhD and post-

doctoral research programmes.

Eligibility:

Students belonging to ST communities.

34


Applicants should have scored 55% of marks or equivalent grade in the previous

qualifying degree.

Applicants should be below the age of 35 years, as on the first day of July of the

relevant year of award.

Benefits:

Annual maintenance allowance of USD 15400 (if enrolled in a university in USA or

other country), or GBP 9900 (if enrolled in the UK).

Tuition fees will also be paid by the ministry.

Additional allowances such as contingency grants, visa costs, air passage costs,

medical insurance premium, etc. are also granted.


The scheme will be announced through employment news and the website of the

ministry every year: https://tribal.nic.in/. The candidates should apply to the ministry

within last date of applying for the same.

Candidates shall be selected through a screening committee that is formed through the

Ministry of Tribal Affairs.

26. National Fellowship and Scholarship for Higher Education of ST students

The objective of the fellowship component of the scheme is to encourage the ST students, a

section of society with the lowest literacy levels in the country, to acquire higher education in

the form of fellowships to pursue M. Phil and Ph. D. Courses, with a view to create qualified

professionals to hold posts of teachers /professionals and other higher stages of employment.

Additionally, the scholarship component of the scheme is also meant to encourage

meritorious ST students to pursue courses at Graduate/Post Graduate level in identified

Institutions of excellence, Government and Private, in professional fields such as

Management, Medicine, Engineering, Information Technology, Law etc.

https://tribal.nic.in/

35

Eligibility for fellowship:

Students belonging to ST communities and who have been admitted to MPhil/PhD

courses in recognised institutions.

Eligibility for scholarship:

Students belonging to ST communities who are admitted to graduate/post-graduate

courses in institutions that are notified by the Ministry of Tribal Affairs.

Family income cap of Rs. 6 lakh

Benefits:

Fellowship amount similar to that of JRF and SRF released by the UGC. Additional

contingency funds and assistance funds are provided.

Under the scholarship scheme, there will be a reimbursement of complete tuition fees

and non-refundable dues subject to a ceiling of Rs. 2.5 lakh. Stipend of Rs.

2200/month, and allowance for books and stationeries of Rs. 3000/annum is also

provided. One time assistance of Rs. 45000 for purchase of computer and other

accessories.


For fellowship, the Ministry of Tribal Affairs will provide notifications and invite

applications before a last date that is decided.

For scholarship, the scheme is implemented through the National Scholarship Portal

(NSP). It is mandatory for all students to apply online on the website i.e.


Other notes:

The list of all notified institutions for the award of the scholarship is available at:

https://tribal.nic.in/DivisionsFiles/Education/246RevisedInstitutesListj18.pdf


https://tribal.nic.in/DivisionsFiles/Education/246RevisedInstitutesListj18.pdf

36

27. PG Scholarship for SC/ST Students Pursuing Professional Courses

The scheme has been initiated keeping in view the social background of the candidates from

the deprived section of the society and to provide them opportunity to undertake postgraduate

level studies in Professional subjects like Engineering & Technology, Management,

Pharmacy etc. in Indian Universities/Institutions/ Colleges.

Eligibility:

Students belonging to SC/ST communities.

Applicants should be registered in a professional course,

Benefits:

Rs. 7800 per month for those admitted to ME/MTech courses. For those enrolled in

other courses Rs. 4500 per month.





28. Post Doctoral Fellowship to SC/ST Candidates

This scheme has been initiated keeping in view the social background of the candidates from

the deprived section of the society and to provide them an opportunity to undertake advanced

studies and research in Science, Engineering & Technology, Humanities and Social Sciences

in Indian Universities/Institutions/Colleges.

Eligibility:

Doctoral candidates with published work, from SC/ST communities.

Only Ph.D. awarded unemployed candidates will be eligible for the award of Post

Doctoral Fellowship.


37

The candidates of SC/ST categories having 50% marks at UG level and 55% marks at

PG level are eligible to apply under the Scheme.

Age limit of 50 years for male candidates and 55 years for female candidates.

Benefits:

Fellowship of Rs. 38800 per month for first two years. From third year onwards

fellowship of Rs. 46500.

Contingency grant of Rs. 50000 per annum.

Additional HRA is provided.

Additional financial assistance is provided to students with disabilities.


Applications are invited through online mode once in a year through advertisement in

leading newspapers & employment news. Short notification is also uploaded in the

UGC website.

Application portal is available at the relevant section of the UGC website:

https://www.ugc.ac.in/pdfss/

Documents required:

Apart from other documents, candidates applying for PDF must upload the No

Objection Certificate from the proposed research centre duly signed by the HOD and

Registrar/Principal/ Director of the University/College/Institute as per format

provided at the UGC website.

Other notes:

For other information and relevant profomas please view the guidelines here:

https://www.ugc.ac.in/pdfnews/1962361_PDF-SC-ST-revised.pdf

https://www.ugc.ac.in/pdfss/

https://www.ugc.ac.in/pdfnews/1962361_PDF-SC-ST-revised.pdf

38

E. Scholarships and Schemes for Students from OBC communities

29. Pre-Matric Scholarship for OBC Students

Experience shows that children of OBCs of the poorer sections do not go to schools as they

often have to provide a helping hand to their parents in traditional occupation or otherwise

supplement the family income. It is considered that a scheme of pre-matric scholarship would

be helpful in spreading education amongst such children especially amongst the girl children

of weaker sections. A scheme of pre-matric scholarship for the benefit of children belonging

to the weaker section of the OBCs has been formulated with this objective in mind.

Eligibility:

Students belonging to the OBC community

The scholarships may be given to the students enrolled in class I or any subsequent

class of pre-matric stage in the case of day scholars, or class III and any subsequent

class of pre-matric stage for hostellers. The scholarship will terminate at the end of

class X and will be awarded for 10 months of the year.

Annual family income cap of Rs. 2.5 lakh.

Benefits:

Scholarship of Rs.500 per month for hosteller, and Rs. 100 per month for day

scholars.

All registration fees, tuition fees and other academic charges will also be paid.

Ad-hoc grant of Rs. 500 per annum is also provided to all students.






39

and other media outfits. The applicant should submit the complete application to the

prescribed authority, before the last date prescribed for receipt of applications.

30. Post-Matric Scholarship for OBC Students

The objective of the scheme is to provide financial assistance to the OBC students studying at

post-matriculation or post-secondary stage to enable them to complete their education.

Eligibility:

Students belonging to the OBC community

Annual family income cap of Rs. 1.5 lakh.

Benefits:

Scholarship ranging from Rs. 160 to Rs. 750 per month depending on level of course

enrolled in and whether the student is a day scholar or hosteller .

All registration fees, tuition fees and other academic charges will also be paid.

Additional grants allowed to blind scholars.



All the State Governments/UT Administrations will announce in the month of May-

June and suitably publicise the Scheme and invite applications by issuing an

advertisement in local language, in the leading newspapers of the State and through

their respective websites and other media outfits.

Documents required:

One copy of passport size photo with signature of student

One attested copy each of certificates/diploma/degree in respect of all examinations

passed.

A certificate (in original) of caste signed by an authorized Revenue Officer not below

the rank of Tehsiladar.

40

An income declaration of parents/guardians from employer along with affidavit on

non-judicial stamp paper.

A receipt of acknowledgement of scholarship in the previous year duly countersigned

by Head of the Institution concerned, in case of renewal of scholarships.

31. National Fellowship for OBC candidates

The scheme aims at providing financial assistance to the OBC students in obtaining quality

higher education leading to degrees such as MPhil and PhD in universities, research

institutions and scientific institutions. This will only enable them to be eligible for

employment to the posts of Lecturers lying vacant various colleges and universities, but will

also equip them to effectively take advantage of the growing opportunities at the national and

international level in the context of the new economic order.

Eligibility:

Students from OBC communities who are enrolled in research at MPhil/PhD levels.


Benefits:

Fellowship tenure is of five years. Fellowship of Rs. 25000 per month for the first two

years, and Rs. 28,000 per month for the remaining tenure. This is similar to the JRF

and SRF amounts.

Contingency grant awarded annually and escort reader assistance also provided.

HRA will also be granted if the institution does not provide hostel accommodation.




UGC website for details and the dates of the scheme: https://www.ugc.ac.in/

Other notes:

5% of the total number of scholarships awarded are to be reserved for students with

disabilities.

https://www.ugc.ac.in/

41

F. Scholarships and Schemes for Women/Girl Students

32. National Scheme of Incentive to Girls for Secondary Education [NSIGSE]

The objective of the scheme is to establish an enabling environment to reduce the drop-outs

and to promote the enrolment of girl children, mainly belonging to SC/ST communities, in

secondary schools. The scheme is a central government scheme from the Department of

School Education and Literacy.

Eligibility:

All SC/ST girl students who enroll for class IX in State Government, Government-

aided and Local Body schools.

All girls who pass VIII examination from Kasturba Gandhi Balika Vidyalayas

(irrespective of whether they belong to SC/ST).

Applicants should be below 16 years of age on joining class IX.

Benefits:

Fixed Deposit of Rs. 3000/- is deposited in the name of the eligible student. Following

her passing from the Xth Standard, she can withdraw the money including deposit.


Applications are to be submitted online through the national scholarship portal:




42

33. Post Graduate Indira Gandhi Scholarship for Single Girl Child

In order to achieve and promote girls education, UGC has introduced a Post Graduate Indira

Gandhi Scholarship for Single Girl Child with an aim to compensate direct costs of girl

education, especially for such girls who happen to be the only girl child in their family.

Eligibility:

Single girl child upto the age of 30,

Applicant can apply in the first year of being enrolled in a regular, full-time PG

course.

Benefits:

Fellowship of Rs. 36,200 per annum payable for a period of two years.





Procedure for renewing the scholarship are to be followed through from the online

portal.

34. Swami Vivekananda Single Girl Child Scholarship for Research in Social Sciences

Keeping Swami Vivekananda’s ideas of women education and to achieve and promote girls

education, UGC has introduced Swami Vivekananda Fellowship for Single Girl Child for

research in Social Sciences with an aim to compensate direct costs of higher education

especially for such girls who happen to be the only girl child in their family.

Eligibility:

Single girl child pursuing a PhD in the social sciences.

Age limit of 40 years for women in general category, and 45 for those from

SC/ST/OBC and PwD categories.


43

Benefits:

Fellowship tenure is of five years. Fellowship of Rs. 25000 per month for the first two

years, and Rs. 28000 per month for the remaining tenure. Contingency grant awarded

annually and escort reader assistance also provided.




UGC website i.e. www.ugc.ac.in. Interested applicants may refer to the UGC website

for further details.

Documents required:

Proof of being single girl child has to be submitted on an affidavit of Rs.50/- Stamp

paper from the fellow/parent duly attested by SDM/First Class Magistrate/Gazetted

Officer (not below the rank of Tahsildar) as per the prescribed proforma provided in

the UGC website.

Caste Certificate (in Case of SC/ST/OBC) issued by competent authority viz.

Tehsildar/SDM etc.

Proof of Age Certificate. (i.e. Xth certificate, School Leaving Certificate etc)

Proof of admission in Ph.D. degree course in a recognized Indian University

Marksheet for Under-Graduate and Post-Graduate degree.

Upload Undertaking/NOC Form (can be found here:

https://www.ugc.ac.in/svsgc/Downloads/noc.pdf )

Person with Disability (PwD) Certificate (if applicable)

www.ugc.ac.in.%20

https://www.ugc.ac.in/svsgc/Downloads/noc.pdf

44

35. Pragati Scholarship Scheme for Girls (Diploma/Degree) for Technical Education

Pragati is a MHRD Scheme being implemented by of AICTE aimed at providing assistance

for Advancement of Girls pursuing Technical Education. Education is one of the most

important means of empowering women with the knowledge, skill and self-confidence

necessary to participate fully in the development process. This is an attempt to give young

Women the opportunity to further her education and prepare for a successful future by

“Empowering Women through Technical Education”

Eligibility:

Women students admitted to the first year of Diploma or UG level courses in AICTE

approved institutions.


Upto two women in a family can avail of the scholarship.

Benefits:

Fee waiver/tuition fee reimbursement of Rs. 30,000.

In case of candidate applying for fee waiver, an amount of Rs. 30,000 may be

reimbursed to the candidates selected for this scheme for the purchase of Books/

Equipment/ Software’s/ Laptops/Desktop/ Vehicle/ Fee paid towards competitive

examination applications forms/exam fee for all examinations related to higher

education/employment.

Additional allowance of Rs. 2000 per month every year.





Applicants should also refer to the All India Council of Technical Education (AICTE)

website for further information: https://www.aicte-india.org/



45

Documents required:

Mark Sheet of standard Xth /XIIth / others as applicable.

Annual family Income Certificate for the preceding financial year in the prescribed

format issued by not below the rank of Tahsildar.

Admission letter issued by Directorate of Technical Education for the admission in

Diploma/Degree course.

Certificate issued by the Director/Principal/ Head of the Institute.

Tuition fee receipt.

AADHAR seeded Bank Pass Book in the name of the student indicating Account

number, IFSC code and Photograph

Caste Certificate for SC/ST/OBC category.

AADHAR Card

Declaration by parents duly signed stating that the information provided by their child

is correct and will refund Scholarship amount, if found false at any stage.

Other notes:


https://www.aicte-India.org/sites/default/files/Final%20FAQ.pdf

36. Balika Samridhi Yojana

The scheme of Balika Samridhi Yojana was launched by Government of India with the

following objectives: to change negative family and community attitudes towards the girl

child at birth and towards her mother, to improve enrolment and retention of girl children in

schools, to raise the age at marriage of girls and to assist the girl to undertake income

generating activities.

Eligibility:

Girl children born into BPL households.

Benefits:

Varying amount of scholarship is debited into an account of the girl student, following

the successful completion of a school year. Amount ranges from Rs. 300 per annum to

Rs. 1000 per annum depending on the class that the student completes.

https://www.aicte-india.org/sites/default/files/Final%20FAQ.pdf

46

On reaching 18 years of age, she is eligible to access the account, the money and the

interest accrued on it.

Procedure for application/obtaining benefits:

This scheme is being implemented through ICDS infrastructure in rural areas and

through functionaries of Health Department in urban areas. The application forms are

available with Anganwadi Workers in the villages and with Health functionaries in

urban areas. The beneficiaries are required to submit the filled in applications to these

functionaries.

On the girl child attaining 18 years of age and on production of a certificate from the

Gram Panchayat /Municipality that she is unmarried on her eighteenth birthday, the

implementing agency would authorise the bank or the post office authorities

concerned to allow her to withdraw the amount standing in her name in the interest

bearing account.

Other notes:

In the event of the girl getting married before attaining the age of 18 years, she shall

forgo the benefit of the amount of annual scholarships and the interest accrued

thereon and shall stand entitled only to the Post Birth Grant amount of Rs.500/- and

the interest accrued thereon. In the eventuality of the death of the girl child before

attaining the age of 18 years, the accumulated amount in her account would be

withdrawn.

37. Post-Doctoral Fellowship to Women Candidates

The objective of this award is to provide an opportunity to carry out the advanced studies and

research in science, engineering and technology, humanities and social sciences in Indian

Universities and Colleges recognized under Section 2 (f) and fit to receive assistance under

section 12(B)of the UGC Act 1956/Institutes of National Importance established by the

Central/State Government.

Eligibility:

Women doctoral candidates with published work.

47

Age limit of 55 year for general category candidates and 60 years for female

candidates from SC/ST/OBC/PwD categories.

A minimum of 55% marks at UG level and 60% of marks at PG level in case of

general category candidates, and a minimum of 50% at UG level and 55% at PG

level.

Benefits:

Fellowship of Rs. 38800 per month for first two years. From third year onwards

fellowship of Rs. 46500.


Additional HRA is provided.

Additional financial assistance is provided to students with disabilities.




UGC website.

Application portal is available at the relevant section of the UGC website:

https://www.ugc.ac.in/pdfw/default.aspx

Documents required:

Apart from other documents, candidates applying for PDF must upload the No

Objection Certificate from the proposed research centre duly signed by the HOD and

Registrar/Principal/ Director of the University/College/Institute as per format

provided at the UGC website.

Other notes:

For other information and relevant profomas please view the guidelines here:

https://www.ugc.ac.in/pdfnews/8868819_revised-final-PDF-W.pdf

https://www.ugc.ac.in/pdfw/default.aspx

https://www.ugc.ac.in/pdfnews/8868819_revised-final-PDF-W.pdf

48

38. Udaan Programme for Girl Students

Udaan is a project launched by Central Board of Secondary Education (CBSE) under the

guidance of Ministry of Human Resource Development, Government of India, to address the

low enrollment of girl students in prestigious engineering institutions and the teaching gap

between the school education and engineering entrance examination. The effort is to enrich

the teaching and learning of Science and Mathematics at school level by addressing the three

dimensions of education- curriculum design, transaction and assessments

Eligibility:

All girl students studying in class XI in any government school and CBSE affiliated

private school, who are enrolled in Physics Chemistry, Mathematics (PCM) stream.

Minimum 70% marks in Class X overall and 80% marks in Science and

Mathematics;for Boards which follow CGPA, a minimum CGPA of 8 and a GPA of 9

in Science and Mathematics.

Annual family income should be less than 6 lakh per annum

Benefits:

Provision of facilities such as free tablet

Cost support for preparation of engineering entrance examinations, etc.

Financial assistance provided after being admitted to any centrally funded engineering

institutes.


For further information and online application portal, please visit:

https://www.india.gov.in/spotlight/udaan-program-give-wings-girl-students

https://www.india.gov.in/spotlight/udaan-program-give-wings-girl-students

49

G. Other Targeted Schemes and Scholarships

39. Scheme for Award of Financial Assistance for Education (Scholarship) to the

children of Beedi/Cine/IOMC/LSDM Workers

This scheme is meant to provide financial assistance to the wards of beedi workers, cine

workers, iron ore, manganese ore, chrome ore, limestone and dolomite mine workers. It is

seen as a scheme which provides for the social security of these different categories of

workers and is envisaged by the Ministry of Labour and Employment.

Eligibility:

Children of Beedi/Cine/IOMC/LSDM Workers, who are enrolled in various levels of

education.

Either of the parents should have at least a six month service record in the respective

specified industries.

Income cap differs for various categories of workers and is specified by the Ministry.

Benefits:

Financial assistance varies according to level of education being pursued and ranges

from Rs. 250 per month to Rs. 1840 per month for pre-matriculation years of study.

For post-matriculation study, the financial assistance ranges from Rs. 2000 per month

to Rs. 15000 per month depending on the course of study.





Documents required:

Photo

Copy of the Identity card of the worker (Form B Register Number in case of Mine

workers)


50

Copy of front page of Bank Pass Book or Cancelled Cheque(which should contain

details of the account holder/beneficiary)

Passing Certificate/Mark Sheet of previous Academic Year

Income Certificate issued by the Revenue Authority

40. Aam Aadmi Bima Yojna Scholarship for Andhra Pradesh

Eligibility:

Two children from a family, whose parents are covered under Aam Aadmi Bima

Yojana Insurance Scheme for rural landless agricultural labourers.

Benefits:

Scholarship of Rs. 100 per month payable in two installments annually.


The benefits are a component of the scheme provided to rural agricultural labourers in

Andhra Pradesh. It is tied with the insurance scheme and all processing of the benefits

is done offline.

41. Prime Minister's Scholarship Scheme For Central Armed Police Forces And Assam

Rifles

Prime Minister’s Scholarship Scheme (PMSS) under the aegis of the National Defence Fund,

was introduced from the academic year 2006-07 to encourage higher technical & professional

education for the dependent wards & widows of Central Armed Police Forces & Assam

Rifles (CAPFs & AR) Personnel.

Eligibility:

Wards/widows of Central Armed Police Forces and Assam Rifles personnel who are

admitted to professional or technical courses

A minimum of 60% in the Minimum Educational Qualification (MEQ).

51

Benefits:

Rs. 2000 per month for male students and Rs. 2250 per month for female students,

continuing for the duration of the course. To be paid annually as Rs. 24000 for male

students and Rs. 27000 for female students.

Duration of scholarship will be upto five years (dependent on course that is being

pursued)






portal.

For further details regarding the various categories under which wards/dependents

may avail of scholarship, interested applicants may find the guidelines here:

https://scholarships.gov.in/public/schemeGuidelines/MoHA-(WARB)-

RevisedGuidelines_PMSS(MHA).pdf

Documents required:

Service Certificate to be issued by the H.O.O in case of serving personnel

Scanned copy of the Mark sheet MEQ i.e. XII/Diploma/Graduation or equivalent

PPO/Discharge Certificate/Book (where applicable)

Disability Certificate (where applicable)

Death Certificate (where applicable)

Certificate of Gallantry award (where applicable)

Service Certificate to be issued by the H.O.O in case of serving personnel


https://scholarships.gov.in/public/schemeGuidelines/MoHA-(WARB)-RevisedGuidelines_PMSS(MHA).pdf

https://scholarships.gov.in/public/schemeGuidelines/MoHA-(WARB)-RevisedGuidelines_PMSS(MHA).pdf

52

42. Prime Minister's Scholarship Scheme For RPF/RPSF

The scheme was introduced to encourage higher technical and professional education for the

dependent wards of Ex/Serving RPF/RPSF personnel and widows (below the Rank of

Gazetted officer)

Eligibility:

Wards/widows of RPF/RPSF personnel who are admitted to professional or technical

courses

Aminimum of 60% in the Minimum Educational Qualification (MEQ) required for

enrolment to various courses.

Benefits:

Rs. 2000 per month for male students and Rs. 2250 per month for female students,

continuing for the duration of the course.





Procedure for renewing the scholarship is to be followed through from the online

portal.

For further details regarding the various categories under which wards/dependents

may avail of scholarship, interested applicants may find the guidelines here:

https://scholarships.gov.in/public/schemeGuidelines/MORB_GL.pdf

Documents required:

Service Certificate issued by respective offices of the serving personnel (where

applicable)

A copy of PPO/Discharge certificate/book (where applicable)


https://scholarships.gov.in/public/schemeGuidelines/MORB_GL.pdf

53

Applicants are required to upload duly attested scanned copy of the mark-sheet/Grade

card of MEQ i.e. 10+2/ Diploma/Graduation (as the case may be).

43. ISHAN UDAY - Special Scholarship Scheme For North Eastern Region

The Ministry of HRD and the University Grants Commission has taken special interest with

regard to promotion of higher education in the NER. For improving the Gross Enrollment

Ratio, promoting higher education and for encouraging children belonging to economically

weaker section of the NE region, the UGC has decided to launch “Ishan Uday” Special

Scholarship Scheme for North Eastern Region from academic session 2014-15

Eligibility:

Students with domicile of North Eastern Region (NER) who are admitted to the first

year of an UG course.

Annual family income should not exceed Rs. 4.5 lakh per annum.

Benefits:

Rs.5400/- per month for general degree course and Rs.7800/- per month for

technical/medical/professional/paramedical courses.






portal.

Documents required:

Domicile certificate to be issued by the competent authority.

Proof of annual income to be issued by the competent authority

For renewals, the annual progress report and continuation of studies will be required

to be uploaded/ verified by the concerned University/ Institution/ College.


54

44. Prime Minister's Special Scholarship Scheme [PMSSS] for Jammu & Kashmir

students.

This scheme was introduced in the context of enhancing employment opportunities among youths

of Jammu & Kashmir and to formulate job plan involving public and private sectors. Every year

fresh scholarships were given to J&K Students to pursue undergraduate studies outside the State

of Jammu and Kashmir for improving their skills by providing access to education.

Eligibility:

Students having domicile of Jammu and Kashmir who are pursuing undergraduate

courses outside the state of J&K.

Students should have passed 10+2 from J&K board, or from a CBSE affiliated

schools located in J&K state, or passed 10+3 diploma from J&K State Polytechnics.

Annual family income cap of Rs. 8 lakh per annum.

Applicant should be registered through online counselling on the AICTE website.

Benefits:

Scholarship towards academic fee is reimbursed to instituition directly, based on

certain limits as set by the government which varies according to course undertaken.

Maintenance allowance of Rs 1 lakh per annum will be paid to the student.


Online portal is available through the AICTE website: https://www.aicte-

india.org/bureaus/jk. Interested applicants should regularly check for updates.

FAQs are available here: https://www.aicte-

india.org/sites/default/files/Final%202%20Frequently%20Asked%20Questions%2018

_19.pdf

https://www.aicte-india.org/bureaus/jk

https://www.aicte-india.org/bureaus/jk

https://www.aicte-india.org/sites/default/files/Final%202%20Frequently%20Asked%20Questions%2018_19.pdf



55

45. Scholarship Scheme for Children of Workers in Jute Industry

National Jute Board Act, 2008 provides to “secure better working conditions and provisions

and improvement of amenities and incentives for workers engaged in the jute industry” under

Section, 5(2), (xxii) for the welfare of workers in jute-producing units. In line with the same,

NJB extends support to the workers’ family for education of their children, a scholarship

scheme as Workers’ Welfare measures.

Eligibility:

Girl child or wife of a jute worker (definition according to guidelines provided by

government).

Limit of two children per family.

Benefits:

Scholarship to the girl children on Passing out the Examination in 2018 will be

Rs.5,000/- for Secondary Education examination and Rs.10,000/- for Higher

Secondary Education examination.


Applications should be submitted to the nodal officer assigned in a mill unit, and will

thereafter be forwarded to the National Jute Board for consideration.

Documents required:

Admit Card of the Examination passed

Mark Sheet of the Examination passed

Certificate issued by the Board/Council, the Controller of Examination

Aadhaar / Voter ID of the applicant

Bank details – Copy of the Bank Pass Book (Bank Account must be Aadhar linked)

Mill shall enclose a copy of current pay slip of the worker against respective

applications

Other notes:

Further information and application format are available at the relevant section of the

National Jute Board website: http://jute.com/web/guest/schemes/scholarship

http://jute.com/web/guest/schemes/scholarship

56

46. Cultural Talent Search Scholarship Scheme

The Cultural Talent Search Scholarship Scheme aims at providing facilities to outstanding

young children to develop their talents in various cultural fields such as traditional forms of

music, dance, drama as well as painting, sculpture, crafts and literary activities. .

Eligibility:

Children belong to traditional artisans family or

Children who are studying in recognized schools, between the age of 10 to 14 years.

Benefits:

Scholarship amount of Rs. 3600 per year

Additional reimbursement of fees paid to the guru/teacher upto ceiling of Rs. 9000 per

year.

Other notes:

650 new scholarships are awarded every year, of which 100 are reserved for Tribal

Culture (ST candidates), 125 for the children of families practicing traditional arts, 20

for Differently Abled children and 30 for the students applying in the field of Creative

Writing/literary Arts.

For application and further guidelines please visit the website of the Centre for

Cultural Resources and Training (CCRT), an autonomous organization of Ministry of

Culture is implementing the Cultural Talent Search Scholarship (CTSS) Scheme:

http://ccrtindia.gov.in/

47. Scholarship to Young Artists

This Scheme seeks to give assistance to young artistes of outstanding promise for advanced

training within India in the field of Indian Classical Music, Indian Classical Dance, Theatre,

Mime, Visual art, Folk, Traditional and Indigenous Arts and Light Classical Music.

Eligibility:

http://ccrtindia.gov.in/

57

Young artistes who enroll for advanced training in certain fields such as Indian

classical music, Indian classical dance, theatre, mime, folk, tribal and indigenous art,

etc.

Benefits:

Scholarship of Rs. 5000 per month, for a period of two years.


Applications are to be made online through the Culture Scheme Monitoring portal, set

up by the Ministry of Culture: http://csms.nic.in/

48. UNNATI - A Scholarship Scheme under National Children's Fund for Academic

Excellence of Children

The objective of the scheme are to improve the academic performance of children living in

Child Care Institutions(CCI) run as per the Juvenile Justice Act, 2015, enable children to

inculcate a sense of self-dependence and confidence in their innate ability and capacities to

take on the challenges, the future would hold before them, and to create an enabling

atmosphere by providing equitable opportunities and further the pursuit of excellence in life.

Eligibility:

Children sheltered within Child Care Institutions (CCIs), largely catering to children

in conflict with the law. Children can be enrolled from Class IX to Class XII.

Benefits:

Scholarship of Rs. 700 per month for students enrolled in Class IX and X (child will

receive Rs 16800 on completing Class X).

Scholarship of Rs. 800 per month for students enrolled in Class XI and XII (child

will receive Rs 16800 on completing Class XII).

Scholarship amount will be released to a fixed deposit amount in the student's name.

http://csms.nic.in/

58


The scholarship scheme will be published on the official website of Ministry of

Women and Child Development and NIPCCD in the month of April-June and the last

date for receiving application from CCIs will be 15th July every year.

Every year the Managing Committee of the CCI will identify the beneficiaries and

their eligibility and send the applications to NCF.

On receipt of the applications the NCF Secretariat will prepare a list of eligible

beneficiaries whose names have been sent by various CCIs.

Other notes:

For the complete details and the application formats, please visit:

http://nipccd.nic.in/ncf/unnati.pdf

http://nipccd.nic.in/ncf/unnati.pdf

59

H. Other Scholarships and Schemes

49. National Means Cum Merit Scholarship

The objective of the scheme is to award scholarships to meritorious students of economically

weaker sections to arrest their drop out at class VIII and encourage them to continue the study

at secondary stage. The scheme is a central government scheme from the Department of

School Education and Literacy.

Eligibility:

Students from class IX to class XII are eligible to apply for the scholarship.

Students are selected through an examination conducted by the State governments.

The student should have scored a minimum of 55% in the in class VII to appear for

the selection examination and at the time of award of scholarship the student should

have scored a minimum of 55% in the class VIII (to be relaxed by 5% for SC/ST

candidates).

For continuing the scholarship through the classes, student should be promoted with a

minimum of 55% of marks in class IX and class XI and 60% in class X to be relaxed

by 5% for SC/ST candidates).

Annual family income of the applicant should not be more than Rs 1.5 lakh.

Benefits:

Scholarship of Rs. 500 per month awarded to meritorious students of economically

weaker sections, amounting to Rs. 6000 per annum.






60

50. Central Sector Scheme for Scholarships for College and University Students

The objective of this scheme is to provide financial assistance to meritorious students from

low income families to meet a part of their day-to-day expenses while pursuing higher

studies.

Eligibility:

Students above the 80th percentile mark of their respective class XII board exams.

Only students who have passed out of class XII in the current academic year are

eligible to apply.

Students should be pursuing regular courses (not correspondence or distance mode)

from recognised institutions.

In order for the scholarship to be renewed, the applicant should have secured 60% in

the previous examination and have a attendance record of at least 75%.

Annual family income should not be more than Rs. 8 lakh.

Benefits:

Scholarship of Rs. 10000 per annum at graduation level, and Rs. 20000 per annum at

post-graduation level.






portal.


61

51. PG Scholarship for University Rank Holders

To emerge as a powerful nation, there is an urgent need to bring in talented boys and girls in

the field of Post-Graduate education by way of providing them good incentives in the form of

scholarships. The UGC, therefore, introduced a Post-Graduate Merit Scholarship Scheme for

University undergraduate rank holders. The purpose of this scheme is to attract talent for

pursuing post graduate studies besides strengthening the basic subjects at Undergraduate

level. The awardees, under this scheme, can pursue their Postgraduate programme in any area

of specialization in any institution of higher learning in the country.

Eligibility:

First and second rank holders at the UG level, who are admitted in any PG course.

Age limit of 30 years.

Scholarship available for first PG course only.

Benefits:

The student shall receive per Rs. 3100 per month for a period of two years.






portal.

52. PG Scholarship (GATE/GPAT)

AICTE in order to ensure development of technical education in India awards Post Graduate

Scholarship of Rs. 12,400/- per month through its Post Graduate Scholarship Scheme to full

time GATE/GPAT qualified students admitted to AICTE approved programs Master of

Engineering, Master of Technology, Master of Architecture and Master of Pharmacy courses

in AICTE approved Institutions and AICTE approved University Departments.


62

Eligibility:

Students admitted to Master of Engineering, Master of Technology, Master of

Architecture and Master of Pharmacy courses in AICTE approved Institutions and

AICTE approved University Departments.

Students should be GATE/GPAT qualified at time of admission.

Benefits:

Rs. 12400 per month for a period of 24 months or for the duration of course,

whichever is lesser.


Application portal is available through the All India Council for Technical

Education website. Interested students may regularly check the website for updates:

https://www.aicte-india.org/schemes/students-development-schemes/PG-

Scholarship-Scheme

To see Frequently Asked Questions (FAQs), please see: https://www.aicte-

india.org/sites/default/files/PG%20FAQ.pdf

53. AICTE National Doctoral Fellowship Scheme [NDF]

The objective of this scheme are to promote research culture in AICTE approved institutions

by admitting full time meritorious research scholars by providing research fellowship who

wants to seek admission to Ph.D. in AICTE approved Technical Institutes/University

Departments for carrying out research in thrust areas. Further, the objective is to nurture

talents for technical research and to promote collaborative research between Institute and

Industries leading to start-ups.

Eligibility:

Research scholars admitted to research institutes of AICTE. Scholars must have

scored a CGPA of at least 7.5 at both UG and PG levels

Candidate must not be older than 30 years at the time of application.

CGPA and age relaxation allowed to SC/ST, women, PwD scholars.

https://www.aicte-india.org/schemes/students-development-schemes/PG-Scholarship-Scheme

https://www.aicte-india.org/schemes/students-development-schemes/PG-Scholarship-Scheme

https://www.aicte-india.org/sites/default/files/PG%20FAQ.pdf

https://www.aicte-india.org/sites/default/files/PG%20FAQ.pdf

63

Benefits:

Fellowship of Rs. 28000 per month.

HRA as per rates notified by MHRD.


Duration of scheme is for 3 years. Extension may be provided.


Interested applicants are to register through a portal that has been set up by the

AICTE: https://portal.aicte-

india.org/partnerportal_enu/start.swe?SWECmd=GotoView&SWEView=Home+Page

+View+CX&SWERF=1&SWEHo=portal.aicte-india.org&SWEBU=1

Interested applicants should check the AICTE website regularly for updates and

further information: https://www.aicte-india.org/

Other notes:


https://www.aicte-india.org/sites/default/files/FAQs%20NDF.pdf

54. Central Sector Interest Subsidy Scheme

CSIS is a unique scheme which pivots around the vision that no student desiring to pursue

higher education is denied of the opportunity if he/ she is financially poor. This scheme

benefits all categories of economically weaker students for pursuing professional/ technical

courses in lndia only, and intends to provide affordable higher education. The Scheme,

envisages uplifting the students from the grassroots level and increasing the number of

qualified technicians and professionals in the nation. CSIS aims to check the existing

geographical imbalance with regard to Gross Enrolment Ratio (GER) in Higher Educational

institutions.

Eligibility:

Student of an undergraduate degree/postgraduate course (diploma/degree) pursuing a

professional/technical course.

https://portal.aicte-india.org/partnerportal_enu/start.swe?SWECmd=GotoView&SWEView=Home+Page+View+CX&SWERF=1&SWEHo=portal.aicte-india.org&SWEBU=1




https://www.aicte-india.org/sites/default/files/FAQs%20NDF.pdf

64

Students enrolled in professional/ technical courses only from NAAC accredited

institutions or professional/ technical programmes accredited by NBA or institutions

of National importance or Central Funded Technical institutions (CFTls).

Scheme can be availed one time only by a student in the course of her/his career.

Income cap of Rs. 4.5 lakh per annum.

Benefits:

Interest for the loan will be borne by Government of India, for the moratorium period

(period of course plus one year or six month after getting a job).


All scheduled banks offering loans can be approached at the time of taking the loan.

The nodal bank for interest subsidy is Canara Bank as appointed by the government.

55. Kishore Vaigyanik Protsahan Yojana

The Kishore Vaigyanik Protsahan Yojana (KVPY) is an on-going National Program of

Fellowship in Basic Sciences, initiated and funded by the Department of Science and

Technology, Government of India, to attract exceptionally highly motivated students for

pursuing basic science courses and research career in science. The objective of the program is

to identify students with talent and aptitude for research; help them realize their academic

potential; encourage them to take up research careers in Science, and ensure the growth of the

best scientific minds for research and development in the country.

Eligibility:

Students studying between class XI and 1st year of any undergraduate Program in

Basic Sciences namely B.Sc./B.S./B.Stat./B.Math./Int. M.Sc./M.S. in Mathematics,

Physics, Chemistry and Biology.

Students are selected on the basis of an aptitude test and an interview.

Benefits:

Monthly fellowship ranging from Rs. 5000 at UG level and Rs. 7000 at PG level.

65

Annual contingency grant of Rs. 20,000 and Rs. 28,000 to fellows at the UG and PG

levels respectively.

Other benefits and facilities are provided in order to induce the student to take up

research in the sciences as a career.


Application for KVPY must be done online only through the website of the KVPY.

Interested students should regularly check for updates at the KVPY website:

http://kvpy.iisc.ernet.in/main/index.htm

56. National Talent Search Scheme

National Talent Search Scheme is a flagship activity of the NCERT started in the year 1963.

The purpose of the scheme was to identify talented students and nurture their talent. Talent

refers to the potentiality that manifests itself in a high level of performance in one or more

specialized areas. The scheme, therefore, covers areas like Sciences, Social Sciences,

Engineering, Medicine, Management and Law. It honours and helps talented students by

providing financial assistance in the form of a monthly scholarship. For the courses in Basic

Sciences, Social Sciences and Commerce, this assistance is provided up to Ph.D. level. For

professional courses like Engineering, Medicine, Management and Law this assistance is

given only up to Post Graduation. The NCERT conducts the National Talent Search

Examination for students studying in Class X only.

There will be two-stage selection process for award of scholarship. For Stage-I, selection will

be done by States/UTs through a written examination. Students who qualify Stage I will be

eligible to appear for Stage II examination conducted by NCERT. The written test is followed

by an interview. Candidates qualifying the written examination at the national level are

invited for an interview. The final award is made on the basis of combined scores of the

exams and the interview.

Eligibility:

Students of class X who have secured 60% marks in class IX for general and OBC

categories, and 55% marks for other categories.

http://kvpy.iisc.ernet.in/main/index.htm

66

Students are selected through a two-stage exam, the first of which is conducted by the

state in which she/he resides and the second conducted by the NCERT.

Benefits:

Scholarship of Rs. 1250 per month for classes XI and XII.

Scholarship of Rs. 2000 per month for UG and PG.


Since the first of the two stage examination is conducted by the state in which the

student has domicile, the notification for the exam is released by the concerned states

and procedure for application is also decided by the concerned states. Therefore,

interested candidates should regularly check for notifications released by the state

governments.

Other notes:

For further information on the NTSS, please refer to the relevant section of the

NCERT website: http://www.ncert.nic.in/programmes/talent_exam/index_talent.html

For FAQs on NTSS, please see:

http://www.ncert.nic.in/programmes/talent_exam/pdf_files/FAQNTSE23_7_15.pdf

http://www.ncert.nic.in/programmes/talent_exam/index_talent.html

http://www.ncert.nic.in/programmes/talent_exam/pdf_files/FAQNTSE23_7_15.pdf

67

Chapter II

Health Related Schemes

Introduction

A primary responsibility of the state is to ensure the well-being of its citizens. Health can be

broadly defined as the complete well-being of the physical, mental and social aspect of both

the individual and the community. In such broad understandings, health need not be restricted

to a relation with disease or dis/ability. Rather, it is to be connected with medical facilities,

but also with the provision of suitable housing, nutrition, potable water, cultural identity, and

a relatively peaceful environment for work and leisure.

While these are the aspects which concern a broad understanding of health and well-being, in

a developing nation like India, certain aspects are prioritised. With a large part of the

population unable to meet nutritional requirements and susceptible to natural calamities and

changes, focus is given to the provision of medical facilities, health infrastructure and

adequate nutrition to infants, children, women and other vulnerable populations.

As such, the Indian government (along with the state governments) accords 1.4% of its GDP

on health. The low spending has facilitated the rise of private medical institutions, but with a

population that exceedingly cannot afford private medical care, the government is

necessitated to provide a wide public network of health facilities in the form of primary,

secondary and tertiary (specialised) healthcare which reduces the out-of-pocket expenditure

on citizens. Currently, the out-of-pocket expenditure is pegged at Rs. 2394 per capita,

according to the National Health Accounts Estimate for India, 2017.

In efforts to reduce out-of-pocket expenditure and to provide affordable, quality healthcare

for citizens, the government has established multiple schemes. One aspect of these schemes

involve targeting infants, children, mothers, adolescents, women and other vulnerable

demographics in order to alleviate their physical well-being. The other main aspect of these

schemes is to provide health insurance to demographics which may not have the financial

capability to otherwise enroll for a insurance scheme.

68

The following module covers both categories of schemes in the hope that a larger section of

the population may be able to access their entitlements which should ideally provide them

with a higher quality of life.

69

A. Schemes Relating to Maternity and Infants

1. Pradhan Mantri Matru Vandana Yojana [PMMVY]

Under-nutrition continues to adversely affect majority of women in India. In India, every

third woman is undernourished and every second woman is anaemic. An undernourished

mother almost inevitably gives birth to a low birth weight baby. When poor nutrition starts

in-utero, it extends throughout the life cycle since the changes are largely irreversible. Owing

to economic and social distress many women continue to work to earn a living for their

family right up to the last days of their pregnancy. Furthermore, they resume working soon

after childbirth, even though their bodies might not permit it, thus preventing their bodies

from fully recovering on one hand, and also impeding their ability to exclusively breastfeed

their young infant in the first six months.

This scheme therefore aims to provide partial compensation for the wage loss in terms of

cash incentives so that the woman can take adequate rest before and after delivery of the first

living child and provide a cash incentive would lead to improved health seeking behaviour

amongst the Pregnant Women and Lactating Mothers (PW&LM).

Eligibility:

All Pregnant Women and Lactating Mothers, excluding PW&LM who are in regular

employment with the Central Government or the State Governments or PSUs or those

who are in receipt of similar benefits under any law for the time being in force.

For First Live Births only

Benefits:

Cash incentives in three installments i.e. first installment of ` 1000/- on early

registration of pregnancy at the Anganwadi Centre (AWC)/ approved Health facility

as may be identified by the respective administering State/ UT, second installment of

2000/- after six months of pregnancy on receiving atleast one ante-natal check-up

(ANC) and third installment of ` 2000/- after child birth is registered and the child has

received the first cycle of BCG, OPV, DPT and Hepatitis-B, or its equivalent/

substitute.

70

The eligible beneficiaries would receive the incentive given under the Janani

Suraksha Yojana (JSY) for Institutional delivery and the incentive received under

JSY would be accounted towards maternity benefits so that on an average a woman

gets 6000/-.

Payments will be made through Direct Bank Transfer (DBT).

Procedure for obtaining benefits:

The eligible women desirous of availing maternity benefits are required to register

under the scheme at the Anganwadi Centre (AWC)/ approved Health facility

depending upon the implementing department for that particular State/UT.

For registration, the beneficiary shall submit the prescribed application form,

complete in all respects, along with the relevant documents and undertaking/consent

duly signed by her and her husband, at the AWC/ approved Health facility. The

prescribed form(s) can be obtained from the AWC/ approved Health facility free of

cost

While submitting the form, the beneficiary will be required to submit her and her

husband’s Aadhaar details with their written consents, her/husband/family member’s

Mobile Number and her Bank/Post Office account details.

Other notes:

For the detailed application guide and related forms, please see:

http://www.wcd.nic.in/sites/default/files/PMMVY%20Scheme%20Implemetation%2

0Guidelines%20._0.pdf

http://www.wcd.nic.in/sites/default/files/PMMVY%20Scheme%20Implemetation%20Guidelines%20._0.pdf

http://www.wcd.nic.in/sites/default/files/PMMVY%20Scheme%20Implemetation%20Guidelines%20._0.pdf

71

2. Janani Suraksha Yojana [JSY]

Janani Suraksha Yojana (JSY) is a safe motherhood intervention under the National Rural

Health Mission (NRHM) being implemented with the objective of reducing maternal and

neo-natal mortality by promoting institutional delivery among the poor pregnant women. The

scheme launched is being implemented in all states and UTs with special focus on low

performing states. JSY is a centrally sponsored scheme, which integrates cash assistance with

delivery and post-delivery care. The Yojana has identified Accredited Social Health Activist

(ASHA) as an effective link between the government and pregnant women.

Eligibility:

In low performing states (LPS) where the rate of institutional delivery is low, All

pregnant women delivering in government health centres, such as Sub Centers

(SCs)/Primary Health Centers (PHCs)/Community Health Centers (CHCs)/First

Referral Units (FRUs)/general wards of district or state hospitals

In high performing states (HPS) where the rate of institutional delivery is better off,

all BPL/Scheduled Caste/Scheduled Tribe (SC/ST) women delivering in a

government health centre, such as SC/PHC/CHC/FRU/general wards of district or

state hospital.

BPL cardholders eligible for cash incentive even on occasion of at-home delivery or

delivery in private institutions, Order of births not applicable

Benefits:

Cash entitlement differs in rural and urban areas, and LPS and HPS identified states.

It ranges from Rs. 1400 to Rs. 600.


As the cash assistance to the mother is mainly to meet the cost of delivery, it should

be disbursed effectively at the institution itself.

Documents required:

Pregnant women should be registered with ASHA workers, AWW or other similar

worker authorized by concerned state governments for this purpose.

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Each beneficiary registered under this scheme should have a JSY card along with a

MCH card, which should be present at the time of admission to the health facility for

birth.

In HPS, BPL certification is required.

3. Janani Shishu Suraksha Karyakram

The scheme is estimated to benefit more than 12 million pregnant women who access

Government health facilities for their delivery. Moreover it will motivate those who still

choose to deliver at their homes to opt for institutional deliveries. . It is an initiative with a

hope that states would come forward and ensure that benefits under JSSK would reach every

needy pregnant woman coming to government institutional facility. All the States and UTs

have initiated implementation of the scheme.

Essential care is provided to the mother and her neonate within 48 hours. This postnatal

period is critical for identification and management of complication of post-delivery. In case

of institutional delivery, accessing availing this care is a little easier. Reasons like high out of

pocket expenditure on diagnostics/investigations, blood, drugs, food and user charges deter

many pregnant women from institutional delivery. JSSK was launched to eliminate out-of-

pocket expenses for institutional delivery of pregnant women and treatment of sick infants.

Eligibility:

All Pregnant Women approaching government health facilities

Sick new-borns till the age of 30 days

Entitlements for Pregnant women and sick new-borns:

Free and cashless delivery

Free C-Section

Free drugs and consumables

Free diagnostics

Free diet during stay in the health institutions

Free provision of blood

Exemption from user charges

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Free transport from home to health institutions

Free transport between facilities in case of referral

Free drop back from Institutions to home after 48hrs stay


All entitlements are provided at the government medical institution where the

pregnant women or new born has been admitted or referred to.

4. Pradhan Mantri Surakshit Matritva Abhiyan [PMSMA]

The Pradhan Mantri Surakshit Matritva Abhiyan has been launched by the Ministry of Health

& Family Welfare (MoHFW), Government of India. The program aims to provide assured,

comprehensive and quality antenatal care, free of cost, universally to all pregnant women on

the 9th of every month.

Pradhan Mantri Surakshit Matritva Abhiyan envisages to improve the quality and coverage of

Antenatal Care (ANC) including diagnostics and counselling services as part of the

Reproductive Maternal Neonatal Child and Adolescent Health (RMNCH+A) Strategy.

Eligibility:

All Pregnant Women

Benefits:

At least one antenatal checkup for pregnant women by OBGY specialist at

government health facilities.

Currently scheduled for the 9th of every month.


All pregnant women may receive an appointment at government designated health

facilities on the 9th of every month.

74

Other notes:

This scheme is dependent on the voluntary efforts of doctors and institutions, and

therefore it is unclear if it has been realised in all regions.

5. Mission Indhradhanush (Immunization Programme)

The ultimate goal of Mission Indradhanush is to ensure full immunization with all available

vaccines for children up to two years of age and pregnant women. The Government has

identified 201 high focus districts across 28 states in the country that have the highest number

of partially immunized and unimmunized children.

To further intensify the immunization programme, an Intensified Mission Indradhanush was

launched. Through this programme, Government of India aims to reach each and every child

up to two years of age and all those pregnant women who have been left uncovered under the

routine immunisation programme/UIP. The special drive will focus on improving

immunisation coverage in select districts and cities to ensure full immunisation to more than

90%

Eligibility:

All infants and children

Pregnant mothers receive anti-tetanus toxoids.

Benefits:

Free vaccinations against twelve diseases


The immunization drives will be conducted in all district by appointed health workers

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6. National Deworming Day

In 2015, the Ministry of Health and Family Welfare, launched the National Deworming Day

(NDD) as part of the National Health Mission. The NDD has emerged as the world's largest

public health campaign for treatment of intestinal parasitic worms.

The objective of the NDD is to deworm all preschool and school-age children between the

ages of 1-19 years through the platform of schools and anganwadi centres in order to improve

their overall health, nutritional status, access to education and quality of life.

Eligibility:

Children between the age group of 1 - 19,

The drug is administered at Anganwadi Centres and schools (both government and

private) .

Benefits:

Free de-worming medication provided to children


The drives will be conducted on notified dates in coordination with health workers

and schools and anganwadi centres, thereby attempting to achieve maximum

coverage.

7. Rashtriya Bal Swasthya Karyakram

Under National Rural Health Mission, significant progress has been made in reducing

mortality in children. While there is an advance in reducing child mortality, there is a dire

need to improving survival outcome. This would be reached by early detection and

management of conditions that were not addressed comprehensively in the past. Rashtriya

Bal Swasthya Karyakram (RBSK) is an important initiative aiming at early identification and

early intervention for children from birth to 18 years to cover 4 ‘D’s viz. Defects at birth,

Deficiencies, Diseases, Development delays including disability.

76

Eligibility:

Children from the ages 0 - 6 years in rural areas and urban slums.

Children enrolled in government and government aided schools.

Benefits:

Early identification and intervention of certain identified childhood health conditions.

Free treatment provided post-diagnosis for these specific conditions.


Child screening under RBSK is at two levels community level and facility level.

While new born screening at public health facilities like PHCs / CHCs/ DH, will be

by existing health manpower like Medical Officers, Staff Nurses & ANMs, the

community level screening will be conducted by the Mobile health teams at

Anganwadi Centres and Government and Government aided Schools.

Specific District Early Intervention Centres will also be set up under this scheme.

Other notes

For a list of the conditions that will be treated under this scheme, please visit:

http://nhm.gov.in/images/pdf/programmes/RBSK/For_more_information.pdf

8. Rashtriya Kishor Swasthya Karyakram

The strategy of this scheme envisions that all adolescents in India are able to realise their full

potential by making informed and responsible decisions related to their health and well-

being. The implementation of this vision requires a concerted effort by all stakeholder

ministries and institutions, including health, education, women and child development, and

labour as well as the adolescents’ own families and communities.

To deliver these interventions, the Ministry of Health and Family Welfare has launched a

new adolescent health programme – Rashtriya Kishor Swasthya Karyakram. The programme

envisages strengthening of the health system for effective communication, capacity building

and monitoring and evaluation. Further, RKSK underscores the need for several

constituencies to converge effectively and harness their collective strength to respond to

adolescent health and development needs.

http://nhm.gov.in/images/pdf/programmes/RBSK/For_more_information.pdf

77

Eligibility:

Adolescents in the age group of 10 - 19 years.

Benefits:

This is largely awareness programme but the scheme also provides for screening and

nutritional supplements for adolescents.


The scheme seeks to provide adolescents with information, training, screening of

many conditions and nutritional supplements rough Adolescent Friendly Health

Clinics (AFHCs) set up in certain government health facilities.

78

B. Schemes Relating to Treatment of Certain Diseases and

Ailments

9. Health Minister's Discretionary Grant [HMDG]

Financial assistance is provided under this scheme to the poor patients with family income

less than Rs.1,00,000/- annually and suffering from major illness and undergoing treatment in

Government Hospitals/Institutions, so that a part of the expenditure on

hospitalization/treatment is subsidized, in cases where free medical facilities are not

available.

Eligibility:

Patients with annual family income below Rs. 1,25,000 receiving treatment in

government institutions where free medical facilities are not available.

Benefits:

Financial Assistance towards hospitalisation/treatment charges are released to the

institution where treatment is being undergone.

Financial assistance limits are as follows: a)Rs.50, 000/- if the estimated cost of

treatment is up to Rs. 1, 00,000/- ; b)Rs. 75,000/- if the estimated cost of treatment is

above Rs. 1,00,000/- & up to Rs. 1,50,000/-; c)and Rs.1, 00,000/- if the estimated

cost of treatment is above Rs.1, 50,000/-.


A copy of the prescribed proforma application duly filled in by the treating

Doctor/HOD and duly countersigned by the Medical Superintendent of the Hospital

from where the patient is receiving the treatment, to be submitted to the Ministry of

Health & Family Welfare.

A Certificate in original from the BDO/ Tehsildar/Collector /SDM(quoting full name,

designation, telephone number and complete official address of the certificate issuing

authority) regarding occupation and monthly/yearly income of the applicant and

his/her family members from all sources, may be furnished along with the application

form.

79

Other notes:

Reimbursement of expenditure already incurred is not permissible

Prolonged treatment involving recurring expenditure is not permissible.

10. Rashtriya Arogya Nidhi [RAN]

The scheme provides for financial assistance to patients, living below poverty line who are

suffering from major life threatening diseases as specified by the government, to receive

medical treatment at any of the super specialty government hospitals/institutes or other

government hospitals. The financial assistance to such patients is released in the form of ‘one

time grant’ to the Medical Superintendent/Director of the hospital in which the treatment is

being received.

Eligibility:

Patients belonging to BPL households being treated for life-threatening diseases at

certain government institutions

Benefits:

Financial Assistance towards hospitalisation/treatment charges is released to the

institution where treatment is being undergone.


Patients who are eligible for availing benefits of this scheme are provided assistance

at the recommendation of the doctor and discretion of Director of the concerned

hospital/institution.

Documents required:

An application in the prescribed format with medical report duly signed /stamped by

the treating Doctor/ Head of Department and Countersigned by Medical

Superintendent in original from the Government Hospital where you receive the

treatment

80

Monthly Income Certificate (in original) of the patient/parents/other major earning

members of the family duly certified by the Block/Mandal Development Officer/

Tehsildar/ S.D.M/ Administrator/ Special Officer of Municipal Boards/District

Officer stating that the beneficiary belongs to a family living below poverty line in

the area of their jurisdiction and including the source of income.

A copy of the entire ration card along with its cover page, covering details of all the

family members.

Other notes:

Patient taking treatment in his/her State should preferentially avail assistance from

State Illness Fund (where such fund has been set up) provided medical estimate does

not exceed Rs. 1.50 lakh. Cases of estimates above Rs.1.50 lakh to be referred by

States for assistance from Rashtriya Arogya Nidhi (Central Fund) of the Ministry of


For list of conditions and diseases that are covered under this scheme, a list of

selected government medical institutions, relevant proformas and application forms,

please see: https://mohfw.gov.in/sites/default/files/25632541254789653265.pdf

11. Health Minister's Cancer Patient Fund [HMCPF - RAN]

The Health Minister’s Cancer Patient Fund (HMCPF) within the Rashtriya Arogya Nidhi

(RAN)” has been set up. In order to utilize the Health Minister’s Cancer Patient Fund, the

Revolving Fund as under RAN, has been established in 27 Regional Cancer Centres (RCCs).

Such step would ensure and speed up financial assistance to needy patients and help fulfill

the objective of HMCPF under RAN.

Eligibility:

Patients belonging to BPL households being treated for cancer at any Regional

Cancer Centre only.

Benefits:

Financial Assistance towards hospitalization/treatment charges is released to the

institution where treatment is being undergone

https://mohfw.gov.in/sites/default/files/25632541254789653265.pdf

81


Patients who are eligible for availing benefits of this scheme are provided assistance

at the recommendation of the doctor and discretion of Director of the concerned

hospital/institution

Documents required:

An application in the prescribed format with medical report duly signed /stamped by

the treating Doctor/ Head of Department and Countersigned by Medical

Superintendent in original from the Government Hospital where you receive the

treatment

Monthly Income Certificate (in original) of the patient/parents/other major earning

members of the family duly certified by the Block/Mandal Development Officer/

Tehsildar/ S.D.M/ Administrator/ Special Officer of Municipal Boards/District

Officer stating that the beneficiary belongs to a family living below poverty line in

the area of their jurisdiction and including the source of income.

A copy of the entire ration card along with its cover page, covering details of all the

family members.

Other notes:

Patient taking treatment in his/her State should preferentially avail assistance from

State Illness Fund (where such fund has been set up) provided medical estimate does

not exceed Rs. 1.50 lakh. Cases of estimates above Rs.1.50 lakh to be referred by

States for assistance from Rashtriya Arogya Nidhi (Central Fund) of the Ministry of


For relevant proformas and application forms, please see:

https://mohfw.gov.in/sites/default/files/25632541254789653265.pdf (same

application forms and proformas as the RAN scheme).

For other information, please visit:




82

12. Pradhan Mantri National Dialysis Program

Every year about 2.2 Lakh new patients of End Stage Renal Disease (ESRD) get added in

India resulting in additional demand for 3.4 crore dialysis every year. With approximately

4950 dialysis centres, largely in the private sector in India, the demand is less than half met

with existing infrastructure. Since every Dialysis has an additional expenditure tag of about

Rs.2000, it results in a monthly expenditure for patients to the tune of Rs. 3-4 lakhs annually.

Besides, most families have to undertake frequent trips, and often over long distances to

access dialysis services incurring heavy travel costs and loss of wages for the patient and

family members accompanying the patient. This therefore leads to financial catastrophe for

practically all families with such patients. With substantial gain in quality of life and

extension of progression free survival for patients, families continue to stretch financially to

make large out of pocket spends. It has been felt that both in terms of provision of this

important life saving procedure and also for reducing impoverishment on account of out of

pocket expenditure for patients, a Dialysis program is required. It is in this regard that this

scheme is being implemented.

Eligibility:

Patients belonging to BPL households. Non-BPL patients can also avail of the

dialysis facility on paying the same rates as paid by the government for the BPL

patient.

Benefits:

Financial Assistance (100% of charges) towards dialysis treatment charges is released

to the private partner who is providing treatment within government district hospitals.


Patients from BPL households can avail of the benefits at the government district

hospitals.

83

13. Affordable Medicines and Reliable Implants for Treatment [AMRIT]

With the aim to reduce the expenditure incurred by patients on treatment of cancer and heart

diseases, the Ministry for Health & Family Welfare, has launched the Affordable Medicines

and Reliable Implants for Treatment (AMRIT) programme.

Eligibility:

Cancer patients and patients suffering from cardio-vascular conditions

Benefits:

Subsidized medications and implants provided at AMRIT retail centres.


The AMRIT pharmacy would be selling cancer and cardio-vascular drugs, and

cardiac implants at very affordable prices in AMRIT retail centres which the

government plans to set up in all central government hospitals.

Other notes:

For a list of hospitals where AMRIT pharmacies have been set up, please see:

http://vikaspedia.in/health/nrhm/national-health-programmes-1/affordable-medicines-

and-reliable-implants-for-treatment?content=large

http://vikaspedia.in/health/nrhm/national-health-programmes-1/affordable-medicines-and-reliable-implants-for-treatment?content=large

http://vikaspedia.in/health/nrhm/national-health-programmes-1/affordable-medicines-and-reliable-implants-for-treatment?content=large

84

C. Nutritional Programmes for Children

14. Integrated Child Development Services [ICDS]

The Integrated Child Development Services (ICDS) Scheme is one of the flagship

programmes of the Government of India and represents one of the world’s largest and

unique programmes for early childhood care and development. It is a response to the

challenge of providing pre-school non-formal education on one hand and breaking the

vicious cycle of malnutrition, morbidity, reduced learning capacity and mortality on the

other. The beneficiaries under the Scheme are children in the age group of 0-6 years,

pregnant women and lactating mothers. Objectives of the scheme are to improve the

nutritional and health status of children in the age-group 0-6 years, to lay the foundation

for proper psychological, physical and social development of the child, to reduce the

incidence of mortality, morbidity, malnutrition and school dropout, to achieve effective

co-ordination of policy and implementation amongst the various departments to promote

child development, and to enhance the capability of the mother to look after the normal

health and nutritional needs of the child through proper nutrition and health education.

Eligibility:

Children below 6 years, Pregnant and lactating women, Women in the age group of

15-44 years, and adolescent girls in selected blocks.

Benefits:

Supplementary Nutrition is provided to children below 6 years, and Pregnant &

Lactating Mothers (P&LM)

Health Check-up conducted for children below 6 years, and Pregnant & Lactating

Mothers (P&LM)

Referral Services conducted for children below 6 years, Pregnant & Lactating

Mothers (P&LM)

Pre-School Education given to children between 3-6 years.

Nutrition & Health Education given to Women between 15-45 years.

85

Procedure for obtaining benefit:

The ICDS scheme is enacted through Anganwadi Workers, Anganwadi Helpers,

Supervisors, Child Development Project Officers (CDPOs) and District Programme

Officers (DPOs). Besides, the medical officers, Auxiliary Nurse Midwife (ANM) and

Accredited Social Health Activist (ASHA) form a team with the ICDS functionaries

to achieve convergence of different services.

15. Mid-Day Meal Programme

This scheme was launched with a view to enhancing enrolment, retention and attendance and

simultaneously improving nutritional levels among children. Mid Day Meal Scheme is a

scheme under which every child in every Government and Government aided primary school

was to be served a prepared Mid Day Meal with a minimum content of 450 calories of energy

and 12 gram protein per day for a minimum of 200 days. The Scheme was extended to cover

not only children studying in Government, Government aided and local body schools, but

also children studying in Education Guarantee Scheme (EGS) and Alternative & Innovative

Education (AIE) centres, and Madrasas and Maqtabs.

Eligibility:

Students upto upper primary classes in in Government, Local Body and Government-

aided primary and upper primary schools and the EGS/AIE centres including

Madrasa and Maqtabs.

Benefits:

The scheme is a nutritional programme for students providing them with a single

meal a day


Since this is a universal scheme, the schools will provide for the mid-day meals of all

children.

86

16. National Iron Plus Initiative

The National Family Health Survey data suggests that anaemia is widely prevalent among all

age groups, and is particularly high among the most vulnerable – nearly 58 per cent among

pregnant women, 50 per cent among non-pregnant non-lactating women, 56 per cent among

adolescent girls (15–19 years), 30 per cent among adolescent boys and around 80 per cent

among children under 3 years of age and 70% below 5 years of age. In young children, iron

deficiency is due to increased iron requirement during periods of rapid growth. In addition,

infant and toddler diets are often poor in bio-available iron, particularly post weaning.

Children who suffer from anaemia have delayed psychomotor development and impaired

performance; in addition they have 5–10 point deficits in intelligence quotient. Iron

deficiency can cause significant central nervous system (CNS) damage even in the absence of

anaemia. There seems to be a vulnerable period for these damages particularly between 9 and

18 months of age. To combat this health problem the National Iron Plus Initiative has been

operationalised.

Eligibility:

All infants, children, women of reproductive age, pregnant and lactating women.

Benefits:

Bi-weekly 20 mg elemental iron and 100 microgram (mcg) folic acid per ml of liquid

formulation and age appropriate de-worming for preschool children of 6-59 months.

Weekly supplementation of 45 mg elemental iron and 400 mcg folic acid per child

per day for children from 1st to 5th grade in Govt. & Govt. Aided schools, and at

AWC for out of school children (6 to 10 years).

Weekly dose of 100 mg elemental iron and 500 mcg folic acid with biannual de-

worming in adolescents (10–19 years)

Weekly supplementation for women in reproductive age, Pregnant and lactating

women


Iron and Folic Acid supplements provided through AWC, ANM, other health

workers.

87

D. Schemes Assisting the Elderly and Persons with Disabilities

17. National Programme for the Health Care of the Elderly [NPHCE]

The National Programme for Health Care for the Elderly (NPHCE) is a modest attempt by

the Ministry of Health and Family Welfare to address this issue by way of introducing a

comprehensive health care set up completely dedicated and tuned to the needs of the elderly.

The interventions are designed to capture the Preventive, Curative and rehabilitative aspects

in the geriatric field. The programme is largely meant to be a blueprint of creating the

required infrastructure for the elderly, but also provides some direct benefits to elderly

patients.

Eligibility:

All elderly people (above 60 years) in the country

Benefits:

Free, specialised health care facilities exclusively for the elderly people through the

State health delivery system.

The services will be provided through District Hospitals with Geriatric Clinic (OPD)

and Geriatric Ward, Regional Geriatric Centres, Bi-weekly Geriatric Clinic at

Community Health Centres, Weekly Geriatric Clinic at Public Health Centres;

Domiciliary visits to the elderly persons by ANM/Male Health Workers posted under

Sub-Centres, etc.


Each state is expected to bring out its own implementation plan and procedure, but all

facilities may be availed at the above mentioned medical institutions.

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18. Assistance to Disabled Persons for Purchase/Fitting of Aids/Appliances

With the application of modern technology, a number of aids have emerged which can reduce

the effects of disabilities and enhance the economic potential of the disabled. However, a

large number of disabled persons are from the low income groups and are deprived of the

benefits of these appliances because of their inability to find funds to acquire them and

consequently of dignified independent living.

The main objective of the Scheme is to assist the needy disabled persons in procuring

durable, sophisticated and scientifically manufactured, modern, standard aids and appliances

to promote physical, social, psychological rehabilitation of Persons with Disabilities by

reducing the effects of disabilities and at the same time enhance their economic potential.

Assistive devices are given to PwDs with an aim to improve their independent functioning,

and to arrest the extent of disability and occurrence of secondary disability. The aids and

appliances supplied under the Scheme must have due certification.

Eligibility:

Any Indian citizen of any age.

She/he holds a 40% Disablement Certificate.

Her/his monthly income from all sources should not exceeding Rs. 20,000/- per

month.

In case of dependents, the income of parents/guardians should not exceed Rs. 20,000/-

per month.

She/he should not have received assistance during the last 3 years for the same

purpose from any source. However, for children below 12 years of age, this limit

would be one year.

Benefits:

Applicants are provided with aids and appliances with a cost of upto Rs. 10,000.

Aids and appliances will cover locomoter disabilities, visual and hearing disabilities,

mental disabilities, and others.

Assisting devices are provided to students with disabilities.

Cochlear implants are provided to children recommended by the government.

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E. Health Insurance Schemes

19. Rashtriya Swasthya Bima Yojana [RSBY]

The workers in the unorganized sector constitute about 93% of the total work force in the

country. The Government has been implementing some social security measures for certain

occupational groups but the coverage is miniscule. Majority of the workers are still without

any social security coverage. One of the major insecurities for workers in the unorganized

sector is the frequent incidences of illness and need for medical care and hospitalization of

such workers and their family members. Despite the expansion in the health facilities, illness

remains one of the most prevalent causes of human deprivation in India.

It has been clearly recognized that health insurance is one way of providing protection to

poor households against the risk of health spending leading to poverty. The poor are unable

or unwilling to take up health insurance because of its cost, or lack of perceived benefits.

Organizing and administering health insurance, especially in rural areas, is also difficult.

Recognizing the need for providing social security to these workers, the Central Government

has introduced the Rashtriya Swasthya Bima Yojana (RSBY).

Eligibility:

Unorganized sector workers belonging to BPL category and their family members (a

family unit of five) shall be the beneficiaries under the scheme.

Benefits:

Health Insurance Cover of Rs. 30,000 per annum per family.

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.

Hospitalization expenses, taking care of most common illnesses

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.

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An electronic list of eligible BPL households is provided to the insurer, using a pre-

specified data format. An enrollment schedule for each village along with dates is

prepared by the insurance company with the help of the district level officials.

Eligible persons can register themselves at the enrollment centre at the village on the

dates given in the schedule.

Once the beneficiary and her/his family is registered with the insurance company

she/he will receive a smart card.

When the need arises for obtaining medical treatment, the patient is to provide the

card at the empanelled hospital so that she/he may receive treatment and can claim the

amount from the insurer.

In case of cashless service, the patient will not have to spend any amount for taking

the treatment and hospitalization. It is the job of hospital to claim from the insurer.

Other notes:

For a list of FAQs, Frequently Occuring Problems, and grievance redressal portal,

please visit: http://rsby.gov.in/tempsites/cgrs/Index.html

20. Ayushman Bharat - Pradhan Mantri Jan Arogya Abhiyan

Under the ambit of Ayushman Bharat, a Pradhan Mantri Jan Arogya Yojana (PM-JAY) to

reduce the financial burden on poor and vulnerable groups arising out of catastrophic hospital

episodes and ensure their access to quality health services was conceived. PM-JAY seeks to

accelerate India’s progress towards achievement of Universal Health Coverage (UHC).

Pradhan Mantri Jan Arogya Yojana (PM-JAY) aims to provide financial protection

(Swasthya Suraksha) to 10.74 crore poor, deprived rural families and identified occupational

categories of urban workers’ families as per the latest Socio-Economic Caste Census (SECC)

data (approx. 50 crore beneficiaries). It will have offer a benefit cover of Rs. 500,000 per

family per year (on a family floater basis).

To ensure that nobody is left out (especially girl child, women, children and elderly), there

will be no cap on family size and age in the Mission. The scheme will be cashless &

http://rsby.gov.in/tempsites/cgrs/Index.html

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paperless at public hospitals and empanelled private hospitals. The beneficiaries will not be

required to pay any charges for the hospitalization expenses. The benefit also includes pre

and post-hospitalization expenses. The scheme is an entitlement based, the beneficiary is

decided on the basis of family being figured in Socio-Economic Caste Census database.

Eligibility:

Poor, deprived rural families and identified occupational category of urban workers'

families as per the latest Socio-Economic Caste Census (SECC) data covering both

rural and urban areas.

Benefits:

Government provides health insurance cover of up to Rs. 5,00,000 per family per

year.

Free treatment available at all public and empanelled private hospitals in times of

need.

Covers secondary and tertiary care hospitalization.

All pre-existing diseases covered. Hospitals cannot deny treatment.

Procedure for obtaining benefits: \

PM-JAY is an entitlement based mission. There is no enrolment process. Families

who are identified by the government on the basis of deprivation and occupational

criteria using the SECC database both in rural and urban areas are entitled for PM-

JAY.

A dedicated PM-JAY family identification number will be allotted to eligible

families. Additionally, an e-card will also be given to beneficiary at the time of

hospitalization.

Other notes:

To know if a citizen may be eligible, she/he may visit:

https://mera.pmjay.gov.in/search/login

For a list of empanelled hospitals where the patient may avail benefits, please visit:

https://hospitals.pmjay.gov.in/Search/empnlWorkFlow.htm?actionFlag=ViewRegister

edHosptlsNew

https://mera.pmjay.gov.in/search/login

https://hospitals.pmjay.gov.in/Search/empnlWorkFlow.htm?actionFlag=ViewRegisteredHosptlsNew

https://hospitals.pmjay.gov.in/Search/empnlWorkFlow.htm?actionFlag=ViewRegisteredHosptlsNew

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For a list of FAQs, please visit: https://www.pmjay.gov.in/faqs

21. Niramaya

Nirmaya is a insurance scheme for any person below the poverty line with the four

disabilities under the National Trust. The scheme envisages delivering comprehensive cover

which will have a single premium across age band, provide same coverage irrespective of the

type of disability covered under the National Trust Act, provide an insurance cover. All

persons with disabilities under the National Trust Act with valid disability certificate will be

eligible and included.

Eligibility:

All PwDs who have at least one of the disabilities under the National Trust Act, 1999

with valid disability certificate are eligible to apply for the scheme.

Benefits:

The insurance cover is up to Rs. 1 lakh for a range of health services.

Facility for OPD treatment including the medicines, pathology, diagnostic tests, etc,

Regular Medical checkup for non-ailing disabled, Dental Preventive Dentistry,

Surgery to prevent further aggravation of disability, Non- Surgical/ Hospitalization,

Corrective Surgeries for existing Disability including congenital disability, Ongoing

Therapies to reduce impact of disability and disability related complications,

Alternative Medicine.

Treatment can be taken from any hospital. .


Any eligible person can apply for enrolment under the Scheme in the prescribed

format given on the website and submit it to the nearest organization registered with

the National Trust or to any other agencies specially entrusted in this regard by the

National Trust at any time during the year. On successful enrolment and approval,

Health ID No./ card will be issued to each beneficiary and then can print E-card

through the website.

https://www.pmjay.gov.in/faqs

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There will be a nominal processing fee as determined from time to time which shall

be payable to the National Trust.

Documents required:

Disability certificate issued from the District Hospital or appropriate Government

authority.

Address Proof

One Passport size photograph of the Special Need person.

BPL card, if applicable.

Income certificate (Latest IT return, or Income certificate from Tehsildar).

Proof of payment of applicable fee (Bank receipt).

Bank details for settlement of claims.

Other notes:

For enrollment details, claim settlement, renewal of insurance and grievance

redressal, please visit: http://thenationaltrust.gov.in/content/scheme/niramaya.php

http://thenationaltrust.gov.in/content/scheme/niramaya.php

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Chapter III

Social Security Related Schemes

Introduction

In a welfare state, such as that of India, the government has the responsibility to provide for

certain needs and requirements of individuals and communities, since some form of

assistance may be required for the citizens to lead a relatively safe, secure and stable life.

Social security is to cover multiple aspects of life including health and education, the two

important aspects we covered in the previous modules. The Indian government offers many

more social security schemes some of which are targeted to benefit specific demographics

which have been excluded and discriminated against for most of history. These demographic

include the SC, ST, OBC and minority communities, apart from women in general and

persons with disabilities, among others.

The schemes are meant as an integration of all populations of Indian society as per the nation-

building vision set at a juncture of modernization. Therefore, these schemes provide for

financial exclusion, pension post-retirement, rehabilitation of vulnerable groups, and

incentives to break free from traditional, oppressive structures.

The following schemes are meant to be entitlements that those who have been disadvantaged

in society may avail to their benefit in hopes of upward social mobility.

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1. Indira Gandhi National Old Age Pension Scheme (IGNOAPS)

National Old Age Pension Scheme is a broad based scheme meant to cover all BPL families.

All persons of 60 years or above belonging to a household below the poverty line (BPL). The

Central Assistance under IGNOAPS shall beat the rate of Rs. 200 per month per beneficiary.

States have been urged to give matching amounts. Some states are giving additional amounts.

The pension is to be credited, where possible, into a post office or public sector bank account

of the beneficiary. The States/ UTs are required to furnish a certificate that all eligible

persons have been covered under IGNOAPS. State Governments also give pension to

destitute and needy older people.

Eligibility:

The beneficiary should be 60 years of age or more

The beneficiary should be a destitute - that is, no means of subsistence through her

own means or through family members - or belong to a BPL household.

Benefits:

Rs. 200/month for those persons eligible upto the age of 79. For those of age 80 and

above pension provided is Rs. 500.This is the amount provided by the Central

government and State governments are also expected to contribute similar amounts.


All eligible applicants should approach the Gram Sabha with a filled in application

form as prescribed in the annexure section of the guidelines:

http://nsap.nic.in/Guidelines/nsap_guidelines_oct2014.pdf

Various states may have versions of the form available at the Gram Sabha.

A list verifying previous beneficiaries and adding new ones are required to be

prepared by the gram panchayats/municipalities.

Following the creation of the list, state governments are required to create application

forms through which the applicants can forward their applications.

Documents required:

For age, the birth certificate or school certificate may be relied on.


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Ration card and BPL card may also be required depending on the guidelines of

various states.

2. National Family Benefit Scheme [NFBS]

The NFBS scheme is meant to provide assistance to those BPL families whose primary

breadwinner has passed away, thus enabling the family to pass through a transitory phase of

grief and financial instability.

Eligibility:

The primary breadwinner will be the member of the household whose earning

contributes substantially to the total household income.

Death of the primary breadwinner should have occurred between the ages of 18 to 59

years.

The household should qualify as one that is BPL.

Benefits:

Rs. 20,000/ - will be given as a lump sum assistance to the bereaved household in the

event of death of the breadwinner.


Eligible households can apply to the Gram Panchayats with a completed application

form as available in the format provided in the annexure section of the guidelines:


Gram panchayats/municipalities are to take a central role in identifying families

which are to be benefited by the NFBS.

Verification will be done by an appointed authority at the block level.

Preferred mode of disbursement of the pension amount is through Bank or Post Office

accounts. However, if the eligible applicants do not have such a facility, then cash

disbursement will be provided in public meetings of the Gram Sabha in rural areas,

and Ward Committees in urban areas.


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3. Indira Gandhi National Widow Pension Scheme [IGNWPS]

Indira Gandhi National Widow Pension Scheme (IGNWPS) was launched by the Central

Government in 1995 as a part of the National Social Assistance programme. The contribution

to this scheme is made by the Central Government, in association with the State Government.

It is expected to improve the livelihood of the widows residing in rural areas, and to ensure

the widows living below the poverty line gets financial allowances and benefits from the

government.

Eligibility:

Recipient should belong to a BPL household

Recipient should range between 40-79 years.

Benefits:

Recipient will be provided with Rs. 300 per month. This is the amount provided by

the Central government and State governments are also expected to contribute similar

amounts.


Eligible households can apply to the Gram Panchayats with a completed application

form as available in the format provided in the annexure section of the guidelines:


Gram panchayats/municipalities are to take a central role in identifying women who

may be widows in the areas that they have jurisdiction over.

Following the identification of beneficiaries, state governments are required to create

application forms through which the applicants can forward their applications.

Pensions are to be disbursed through bank or post office savings accounts of the

applicants. In cases where this is not possible, cash disbursements are to be done at

public meetings of the Gram Sabha or Ward Committees.

Documents required:

Age proof

Aadhar card.

Below Poverty Line ration card.

Husband’s Death Certificate.


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Residence proof.

Account details of the applicant.

4. Atal Pension Yojana [APY]

Atal Pension Yojana (APY) addresses the old age income security of the working poor and

the longevity risks among the workers in unorganised sector. It encourages the workers in

unorganised sector to voluntarily save for their retirement. The Government had launched the

scheme to effect the replacement of the Swavalamban Yojana / NPS Lite scheme. The

scheme is mainly targeted at unorganised sector workers and provides them with pension

post-retirement.

Eligibility:

Atal Pension Yojana (APY) is open to all bank account holders who are not members

of any statutory social security scheme.

The minimum age of joining APY is 18 years and maximum age is 40 years.

Benefits:

Fixed pension for the subscribers ranging between Rs.1000 to Rs. 5000, if s/he joins

and contributes between the age of 18 years and 40 years. The contribution levels

would vary and would be low if subscriber joins early and increase if s/he joins late.

The same pension is payable to Spouse after death of Subscriber.

Return of indicative pension wealth to nominees after death of spouse.

Contributions to the Atal Pension Yojana (APY) is eligible for tax benefits similar to

the National Pension System (NPS).


Approach the bank branch/post office where individual’s savings bank account is held

or open a savings account if the subscriber doesn’t have one.

Provide the Bank A/c number/ Post office savings bank account number and with the

help of the Bank staff, fill up the APY registration form.

Provide Aadhaar / Mobile Number. This is not mandatory, but may be provided to

facilitate the communication regarding contribution.

99

Ensure keeping the required balance in the savings bank account/ post office savings

bank account for transfer of monthly / quarterly / half yearly contribution.

Other notes:

For a list of FAQs, please visit: http://npstrust.org.in/sites/default/files/APY_FAQ.pdf

For scheme details, guidelines and forms, please visit: http://npstrust.org.in/atal-

pension-yojana

5. Pradhan Mantri Jeevan Jyoti Yojana

PMJJBY will be an Insurance Scheme offering life insurance cover for death due to any

reason. It would be a one year cover, renewable from year to year. The scheme would be

offered / administered through LIC and other Life Insurance companies willing to offer the

product on similar terms with necessary approvals and tie ups with Banks for this purpose.

Eligibility:

Available to people in the age group of 18 to 50 and having a bank account.

People who join the scheme before completing 50 years can, however, continue to

have the risk of life cover up to the age of 55 years subject to payment of premium.

Benefits:

A risk coverage of Rs.2 Lakh in case of death for any reason.

Premium of Rs. 330 per annum is required to be paid.


A list of banking partners have been provided here:

https://www.licindia.in/getattachment/Products/Pradhan-Mantri-Jeevan-Jyoti-Bima-

Yojana-

(PMJJBY)/NodalagenciesBankPartnersforimplementationofPMJJBYScheme.pdf.aspx

Interested applicants may approach these banks and open accounts with them. The

scheme may be applied through forms provided at the bank since the premiums are to

be auto-debited from the account annually.

http://npstrust.org.in/sites/default/files/APY_FAQ.pdf

http://npstrust.org.in/atal-pension-yojana

http://npstrust.org.in/atal-pension-yojana

https://www.licindia.in/getattachment/Products/Pradhan-Mantri-Jeevan-Jyoti-Bima-Yojana-(PMJJBY)/NodalagenciesBankPartnersforimplementationofPMJJBYScheme.pdf.aspx



100

Other Notes:

For FAQs, and other details, please visit: https://www.licindia.in/Products/Pradhan-

Mantri-Jeevan-Jyoti-Bima-Yojana-(PMJJBY)

6. Pradhan Mantri Suraksha Bima Yojana [PMSBY]

The scheme is a one year cover Personal Accident Insurance Scheme, renewable from year to

year, offering protection against death or disability due to accident. The premium will be

directly auto-debited by the bank from the subscribers account on or before 1st June of each

annual coverage period under the scheme.

Eligibility:

All individual (single or joint) bank account holders in the age 18 to 70 years in

participating banks will be entitled to join

Benefits:

In case of death of the applicant, Rs. 2 lakh will be provided to nominee.

In case of total and irrecoverable loss of both eyes or loss of use of both hands or feet

or loss of sight of one eye and loss of use of hand or foot, Rs. 2 lakh will be provided

to applicant.

In case of total and irrecoverable loss of sight of one eye or loss of use of one hand or

foot, Rs. 1 lakh will be provided to applicant.

Premium payable is Rs.12/- per annum per member.


A list of banking partners have been provided here:

https://www.licindia.in/getattachment/Products/Pradhan-Mantri-Jeevan-Jyoti-Bima-

Yojana-

(PMJJBY)/NodalagenciesBankPartnersforimplementationofPMJJBYScheme.pdf.aspx

Interested applicants may approach these banks and open accounts with them. The

scheme may be applied through forms provided at the bank since the premiums are to

be auto-debited from the account annually.

https://www.licindia.in/Products/Pradhan-Mantri-Jeevan-Jyoti-Bima-Yojana-(PMJJBY)

https://www.licindia.in/Products/Pradhan-Mantri-Jeevan-Jyoti-Bima-Yojana-(PMJJBY)




101

Other Notes:

For FAQs, and other details, please visit:

http://www.jansuraksha.gov.in/Files/PMSBY/ENGLISH/FAQ.pdf

7. Indira Gandhi Disability Pension Scheme [IGNDPS]

The objective of the scheme is to assure a respectful life financial assistance are provided to

severe and multi-disabled persons who are living below poverty line.

Eligibility:

The eligible age for the pensioner is 18 years and above.

The disability level has to be 80% at least.

Dwarfs will also be an eligible category for this pension.

Benefits:

Amount of pension is Rs. 300 per month.

After attaining the age of 80 years, the beneficiary will get Rs.500/- per month.

Above mentioned amounts are the amounts provided by the Central government and

State governments are also expected to contribute similar amounts.


Eligible persons can apply to the Gram Panchayats with a completed application form

as available in the format provided in the annexure section of the guidelines:


Gram panchayats/municipalities are to take a central role in identifying PwDs who

may be eligible for the scheme.

Following the identification of beneficiaries, state governments are required to create

application forms through which the applicants can forward their applications.

All efforts are to be made for the pension to be delivered to the residence of the

applicant and if this is not possible, it is to be ensured that the pension disbursement

point is not more than 3 km from the residence of the applicant.

Documents required:

Disability certificates

http://www.jansuraksha.gov.in/Files/PMSBY/ENGLISH/FAQ.pdf


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In case such certificate is not eligible, the applicant can receive one at camps

organised by the state government or in a recognised government medical facility.

8. Annapurna Scheme

The Annapurna scheme aims at providing food security to meet the requirement of those

senior citizens who, though eligible, have remained uncovered under the National Old Age

Pension Scheme. The Scheme is targeted to cover, 20% (13.762 lakh) of persons eligible to

receive pension under NOAPS.

Eligibility:

Old aged persons who have remained uncovered under the IGNOAPS.

Age of applicant should be above 65 years of age.

The applicant should fall under the category ‘destitute’, in that she must have little or

no regular means of sustenance from her/his source of income or from the financial

support of family members.

Benefits:

10 kgs of food grains (wheat or rice) is given per month per beneficiary, free of cost.


Gram panchayats/municipalities are to take a central role in identifying senior citizens

who may be eligible for the scheme and providing them the benefits.

Documents required:

For age, the birth certificate or school certificate may be relied on.

Ration card and BPL card may also be required depending on the guidelines of

various states.

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9. Central Victim Compensation Fund

The central government has initiated the CVCF in order to address the vast disparity among

states in the compensation given to survivors and victims of certain crimes and incidents. The

CVCF covers survivors and victims of rape, acid attacks, human trafficking and women

killed or injured in the cross border firing and others. The scheme aims to support and

supplement the existing Victim Compensation Schemes notified by States/UT

Administrations, to reduce disparity in quantum of compensation amount notified by different

States/ UTs for victims of similar crimes and to encourage States/UTs to effectively

implement the Victim Compensation Schemes (VCS) notified by them under the provisions

of section 357A of Cr.P.C. and continue financial support to victims of various crimes

especially sexual offences including rape, acid attacks, crime against children, human

trafficking etc.

Eligibility:

Victim or dependent of victim to crimes mentioned in the CVCF.

The loss or injury sustained by the victim or his dependents should have caused

substantial loss to the income of the family making it difficult to make both ends to

meet without the financial aid or which requires such expenditure beyond his means

on medical treatment of such mental/physical injury to the victim

Benefits:

Compensation ranging from Rs. 50,000 to Rs. 3 lakh is provided on the basis of the

category of the crime.

Procedure for obtaining benefit:

The police station at which the complaint is registered is to forward the application of

the victim under section 357A of CrPC

State governments are required to set up web portals in order to facilitate applications.

Further, state governments are to set up empowered committees which are to approve

applications and provide the compensation.

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Other notes:

For guidelines and other details concerning compensation amount for different

crimes, please see:

https://mha.gov.in/sites/default/files/CVCFGuidelines_140716.PDF

10. Pradhan Mantri Ujjawala Yojana

In India, the poor have limited access to cooking gas (LPG). The spread of LPG cylinders has

been predominantly in the urban and semi-urban areas with the coverage mostly in middle

class and affluent households. But there are serious health hazards associated with cooking

based on fossil fuels. According to WHO estimates, about 5 lakh deaths in India alone due to

unclean cooking fuels. Most of these premature deaths were due to non-communicable

diseases such as heart disease, stroke, chronic obstructive pulmonary disease and lung cancer.

Indoor air pollution is also responsible for a significant number of acute respiratory illnesses

in young children.

Providing LPG connections to BPL households will ensure universal coverage of cooking gas

in the country. This scheme is expected to empower women and protect their health. It will

reduce drudgery and the time spent on cooking. It will also provide employment for rural

youth in the supply chain of cooking gas.

Eligibility:

A woman of the BPL household, may apply for a new LPG connection

Benefit:

New LPG connection is installed in BPL households.


Applicant is to submit application to the nearest LPG distributor.

While submitting the application form, the woman needs to submit detailed address,

Jan Dhan Bank Account and Aadhaar number of all members of the household.

In case the consumer opts for EMI, the EMI amount will be adjusted against the

subsidy amount due to the consumer on each refill.

https://mha.gov.in/sites/default/files/CVCFGuidelines_140716.PDF

105

Other notes:

To download forms related to the scheme, please visit:

http://www.pmujjwalayojana.com/download.html

11. Working Women’s Hostel

The objective of the scheme is to promote availability of safe and conveniently located

accommodation for working women, with day care facility for their children, wherever

possible, in urban, semi urban, or even rural areas where employment opportunity for women

exist. The scheme is assisting projects for construction of new hostel buildings, expansion of

existing hostel buildings and hostel buildings in rented premises. The working women’s

hostel projects being assisted under this scheme shall be made available to all working

women without any distinction with respect to caste, religion, marital status etc., subject to

norms prescribed under the scheme.

Eligibility:

Working women, who may be single, widowed, divorced, separated, married but

whose husband or immediate family does not reside in the same city/area.

Particular preference may be given to women from disadvantaged sections of the

society

There should be also provision for reservation of seats for physically challenged

beneficiaries

Working women are entitled to hostel facilities provided their gross income does not

exceed Rs. 50,000/- consolidated (gross) per month in metropolitan cities, or Rs

35,000/- consolidated (gross) per month, in any other place.

Benefits:

Accommodation provided at subsidised rates by either government run or social

organisation run hostels.


Applications are to be made directly to the hostel where the applicant desires

occupation.

http://www.pmujjwalayojana.com/download.html

106

In this regard, hostels will from time to time provide notifications on the availability

of seats.

12. Prerna Scheme

In order to help push up the age of marriage of girls and space the birth of children in the

interest of health of young mothers and infants, the government has launched PRERNA, a

Responsible Parenthood strategy in all districts of seven high focus states namely Bihar, Uttar

Pradesh, Madhya Pradesh, Chhattisgarh, Jharkhand, Odisha and Rajasthan.

The strategy has been to identify the couple and award couples who have broken the

stereotype of early marriage, early childbirth and repeated child birth and have helped change

the mindsets of the community.

Eligibility:

Couple must belong to BPL.

Year of marriage of women should not before year 2011.

The woman should have been married on or after 19 years.

First child birth occurs after at least 2 years of marriage.

Second Child birth occurs after at least 3 years of the birth of 1stchild.

Either parent voluntarily accepts permanent method of family planning within one

year of the birth of the 2ndchild.

Benefit:

If the couple fulfils all eligibility conditions then they are to receive and amount

ranging from Rs. 10000 to Rs 19000 based on the gender of the two children.


The filled in application along with documents must be submitted to Office of

CM&HO by applicant or NGO/CBO/other institution.

CM&HO will verify all the credentials of each application and recommended for

Prerna award.

Documents required:

BPL card

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Marriage Certificate of the couple (Registrar of marriages/appropriate govt.

officer/delegated authorities)

Mother’s birth certificate (School/Board/Registrar of birth/death/Adhar Card)

Birth Certificate of 1st child (Registrar of births/death)

Birth Certificate of 2nd child, if any. (Registrar of births/death)

Sterilization Certificate (NSV/LTT), if any, ( Govt. Hospital)

Aadhaar, if available

Other notes:

Detail information about the scheme can be sought from @1800-11-6555 (Toll Free),

free of cost from 9 a.m. to 11 p.m., everyday (except national holidays).

For other details and proformas required, please visit:

https://jsk.gov.in/content/info/prerna.php

13. One Stop Centre

In India, gender based violence has many manifestations; from the more universally prevalent

forms of domestic and sexual violence including rape, to harmful practices such as, dowry,

honour killings, acid attacks, witch-hunting, sexual harassment, child sexual abuse,

trafficking for commercial sexual exploitation, child marriage, sex selective abortion, Sati,

etc. Other than these, India is also grappling with violence due to inequities in social life,

displacement and communal incidents.

This scheme aims to facilitate access to an integrated range of services including medical aid,

police assistance, legal aid/case management, psychosocial counselling, and temporary

support services to women affected by violence. Under the scheme, it has been envisaged that

One Stop Centres would be set up across the country in phased manner. In the first phase, one

Centre was sanctioned per State/UT.

Eligibility:

All women in requirement of assistance of any kind, and especially related to gender

based violence.

Facilities provided:

Medical assistance in referral to hospital through helpline/Centre

https://jsk.gov.in/content/info/prerna.php

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Police assistance in facilitating/assisting in filing First Information Report (FIR/NCR)

Psycho-social support/counselling

Legal aid/counselling

Shelter such that a short stay with food and clothing is possible. Referral to shelter

homes for prolonged stay.

Video conferencing facility in order to facilitate police and court proceedings.

Procedure to receive help at One Stop Centre facility:

Women in need only need to contact the helpline that may be set up by the different

states, or approach a One Stop Centre directly.

14. Disha - Early Intervention and School Readiness Scheme

This is an early intervention and school readiness scheme for children in the age group of 0-

10 years with the four disabilities covered under the National Trust Act that aims at providing

training (specifically school readiness) and counselling to both children and parents.This

scheme aims at setting up Disha Centres for early intervention for Persons with Disability

(PwD) in 0-10 years of age covered under the National Trust Act, through therapies, trainings

and providing support to family members.

Eligibility:

PwD should be in the age group of 0-10 years

PwD should have one of the disabilities covered under the National Trust Act, 1999,

which are Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities

PwD should not be registered under Samarth scheme

Benefits/Facilities available at the Disha Centre:

Special Educator / Early Intervention Therapist will be available

Physiotherapist or Occupational Therapist will be available

Counsellor will be available

Other required infrastructural needs will also be provided to the day care centre.


PwD comes to the centre set up by a registered organisation (RO - registered with the

National Trust) with the required proof.

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The Disha centre conducts a PwD Assessment Test with the help of a Therapist or

Counsellor

Verification of all documents will be conducted.

After successful verification of all the above furnished documents, the PwD is

enrolled at the Disha centre – a confirmation Enrolment ID card/receipt is handed

over to the parents or guardians, along with a starter kit

Documents required:

Enrolment form

Birth Certificate or Date of Birth proof of the PwD

Disability Certificate

BPL certificate or Income certificate of Parent or Guardian issued by competent

authority as authorized by the concerned State/ Union Territory (for LIG or BPL

family)

ID proof of parent or guardian

Residence (Local) proof (Mandatory in case of LIG parent or guardian or for parents

of PwD availing transport facility)

Other notes:

For the entire guidelines, please visit:

http://thenationaltrust.gov.in/upload/uploadfiles/files/disha_eng.pdf

15. Vikaas Scheme

This scheme aims at setting up Vikaas Centres for welfare of PwDs. This is a Day care

scheme, primarily to expand the range of opportunities available to a person with disability

attaining the age of 10 years for enhancing interpersonal and vocational skills as they are on a

transition to higher age groups.The centre will also offer care giving support to Person with

Disability (PwD) during the time the PwD is in the Vikaas centre. In addition it also helps in

supporting family members of the PwDs with disabilities covered under the National Trust

Act to get some time during the day to fulfill other responsibilities.

The Vikaas Scheme is meant to target all those PwDs who are above the age of 10 years and

will not be eligible in Disha day care centres.

http://thenationaltrust.gov.in/upload/uploadfiles/files/disha_eng.pdf

110

Eligibility:

PwD should be of the age of 10 years or more.

PwD should have one of the disabilities under the National Trust Act, 1999, which are

Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities.

PwD should not be simultaneously enrolled under Samarth or Gharaunda scheme.

Benefits/Facilities available at the Vikaas Centre:

Special Educator / Early Intervention Therapist will be available

Physiotherapist or Occupational Therapist will be available

Counsellor will be available

Other required infrastructural needs will also be provided to the day care centre.


PwD comes to the centre set up by a registered organisation (RO - registered with the

National Trust) with the required proof.

The Vikaas centre conducts an Individual Assessment Test with the help of

Therapist/Counsellor.

In case of enrolling PwD in the Vikaas centre, a check is made on whether the child is

applicable for the LIG or BPL funding by the National Trust

Documents required:

Enrolment form





family)


Residence (Local) proof (Mandatory in case of LIG parent or guardian or for parents

of PwD availing transport facility)

Declaration proof of the guardianship if PwD is lesser than 18 years of age and

parents are not the guardians, or LG certificate, if PwD is greater than 18 years of age

and parents are not the guardians.

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Other notes:


http://thenationaltrust.gov.in/upload/uploadfiles/files/vikas_eng.pdf

16. Samarth Scheme for Respite Care:

The objective of Samarth scheme is to provide respite home for orphans or abandoned PwDs,

families in crisis and also for Persons with Disabilities (PwD) from BPL & LIG families

including destitutes with at least one of the four disabilities covered under the National Trust

Act. It also aims at creating opportunities for family members to get respite time in order to

fulfil other responsibilities.

Eligibility:


Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities

PwD should not be enrolled under Disha, Vikaas scheme or Gharaunda Scheme

simultaneously

Benefits/Facilities available at the Samarth Centre:

Group home for the orphaned and abandoned PwDs.

Provision to take up age-specific vocational activities.

Special educators, Physiotherapist or Occupational Therapist, Caregivers and others

will be present in the centre.


PwD comes or is brought to the centre.

The Samarth centre conducts an Individual PwD Assessment Test with the help of a

Therapist or Counsellor to understand the specific needs of the PwD.

If PwD is orphan or abandoned or is from a family in crisis, the RO should approach

the competent district officials authorised by the State Government to certify the

same. Apart from the document for certifying the above, no more documents to be

produced for enrolling with the Samarth Centre. Also, the PwD is automatically

http://thenationaltrust.gov.in/upload/uploadfiles/files/vikas_eng.pdf

112

included in the BPL category. The PwD is enrolled for Niramaya along with

registration for Samarth.

Documents required:

Enrolment form





family)


Declaration proof of the guardianship if PwD is lesser than 18 years of age and

parents are not the guardians.

Other notes:


http://thenationaltrust.gov.in/upload/uploadfiles/files/samarth_eng.pdf

18. Gahraunda - Group Home for Adults with Disabilities

This scheme aims at setting up Gharaunda Centres for life long shelter and care of Persons

with Disability (PwD) covered under the National Trust Act. The objective of Gharaunda

scheme is to provide an assured home and minimum quality of care services throughout the

life of the person with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities

and ensure that the Gharaunda Centres facilitate establishment of requisite infrastructure for

the assured care system throughout the country, encourage assisted living with independence

and dignity and provide care services on a sustainable basis.

Eligibility:


Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities

PwD should be more than 18 years of age


http://thenationaltrust.gov.in/upload/uploadfiles/files/samarth_eng.pdf

113

PwD comes or is brought to the Centre.

The Gharaunda Centre conducts an Individual PwD Assessment Test with the help of

a Therapist or Counsellor to understand the specific needs of the PwD.

If PwD is orphan or abandoned or is from a family in crisis, the RO should approach

the competent district officials authorised by the State Government to certify the

same. Apart from the document for certifying the above, there are no more documents

to be produced for enrolling with the Gharaunda Centre. The PwD is automatically

included in the BPL category.

In case of successful verification of all the above furnished documents, the PwD is

enrolled at the Gharaunda centre – a confirmation Enrolment ID card or receipt is

handed over to the beneficiary parents or guardians (if any), along with a starter kit.

Documents required:

Enrolment form





family)


Local Guardian certificate in case parents are not the guardians

Other notes:


http://thenationaltrust.gov.in/upload/uploadfiles/files/gharaunda_eng.pdf

19. Dr. Ambedkar Scheme for Social Integration through Inter-Caste Marriages

Traditionally, marriage in Hindu society was a sacrament but after the passage of Hindu

Marriage Act, 1955 it can be treated as a contract. However, marriages still primarily take

place on the traditional grounds of caste and sub-caste. That means marriage is inextricably

linked to caste system with its roots in the religion. Inter-caste marriages can be one of the

significant steps to reduce the caste prejudices, abolish ‘untouchability’ and spread the values

of liberty, equality, fraternity etc in the society.

http://thenationaltrust.gov.in/upload/uploadfiles/files/gharaunda_eng.pdf

114

The objective of this scheme is to appreciate the socially bold step, of an inter-caste marriage,

taken by the newly married couple and to extend financial incentive to the couple to enable

them to settle down in the initial phase of their married life.

Eligibility:

An Inter-caste marriage, for the purpose of this Scheme means a marriage in which

one of the spouses belongs to Scheduled Caste and the other belongs to a Non-

Scheduled Caste.

The marriage should be valid as per the law and duly registered under the Hindu

Marriage Act, 1955. An affidavit of their being legally married and in matrimonial

alliance would be submitted by the couple.

Proposal would be treated as valid if submitted within one year of marriage

The total annual income of the newly married couple, both put together, should not be

more than Rs. 5.00 lakh.

Benefits:

The incentive for a legal inter-caste marriage shall be Rs.2.50 lakh per marriage.


The proposal to give incentive under the Scheme should be recommended either by

sitting Member of Parliament or Member of Legislative Assembly or the District

Collector/ Magistrate and submitted by the State/UT Government.

The couple may provide their details through a form provided at the Dr. Ambedkar

Foundation.

Documents required:

An affidavit of their being legally married and in matrimonial alliance would be

submitted by the couple.

Other notes:

For the entire guidelines, and the application format please visit:

http://ambedkarfoundation.nic.in/html/schemes/rsicm16.pdf

http://ambedkarfoundation.nic.in/html/schemes/rsicm16.pdf

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Chapter IV

Livelihood Related Schemes

Introduction

A phrase in the Hindustani vernacular often times associated with the term ‘livelihood’ is

‘rozee roti’. In some senses the phrase encapsulates the importance of what livelihood holds

in the lives of individuals, especially those who are vulnerable to the unstable conditions in

which they live in. ‘Rozee Roti’ roughly translates to ‘daily bread’, an indication of what the

consequences of livelihood are – the gaining of one’s means of existence at the very least.

As a nation in the Global South, India’s population serves as labour to both ventures within

and without the country. In fact, the International Labour Organisation (ILO) estimates that

81% of Indians employed serves as labour within the informal economy. As is only too

obvious, this leaves them exposed to the precarious nature of the market often unable to see

where there next source of employment comes from. In this context, the state while

recognizing the unpredictability of the market for many has provided a minimum

employment that should be available to all. This comes through multiple schemes aimed at

opening up entrepreneurial options, or skill training facilities for targeted groups like SC/ST,

women and minorities who have not been able to undertake gainful and dignified livelihoods.

Apart from these targeted schemes, it is important to note the presence of a scheme which

guarantees work for those in rural India – the Mahatma Gandhi National Rural Employment

Guarantee Act [MGNREGA]. It is not simply the benefits of the scheme which are to be

noted, but also the history of struggle and advocacy which multiple stakeholders engaged in,

in order for such a framework to be present in a nation struggling with resources.

The information on the schemes below in this section will hopefully be helpful in then

providing citizens with a dignified and non-exploitative occupation through which an

individual’s innate worth is recognized.

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1. Mahila Coir Yojana

This scheme is intended to provide self employment to rural women artisans in regions

producing coir fibre. Over the last two decades, production of coir fibre has substantially

increased in India. Conversion of coir fibre into yarn on motorized ratts in rural households

provides scope for large scale employment, improvement in productivity and quality of coir

fibre, better working conditions and higher income, which ultimately leads to the

improvement of standard of living of rural woman artisans. The scheme envisages

distribution of motorized ratts/ motorized traditional ratts/electronic ratts for spinning coir

yarn to trained women artisans.

Eligibility:

Women artisans need to have successfully completed training programme in spinning

of coir yarn through any of the training centers of the Coir Board.

Not more than one artisan per household would be eligible to receive assistance under

the scheme.

Benefits:

Coir Board will provide 75% of the cost of equipment required for the women

artisans.

This subsidy will be subject to a maximum of Rs. 7500 for motorized ratt and Rs.

3200 for traditional ratts.


The Coir board has provided a website through which applicants can submit their

applications online: http://www.coirservices.gov.in/frm_login.aspx

2. Credit Enhancement Guarantee Scheme for the Scheduled Castes

As per Census, 2011, the SC population is 20.13 crore, which constitutes 16.63% of the total

population, in India. While the Ministry of Social Justice and Empowerment has no reliable

data on SC Entrepreneurs, as per the rough estimates of various stake holders such as Dalit

Indian Chamber of Commerce and Industry (DICCI) there are around 1000 Dalit

entrepreneurs with combined turnover of Rupees Sixty thousand crore. There are around 50

companies with turnover of Rs. 10 crore or more. Hence, the Credit Enhancement Guarantee

http://www.coirservices.gov.in/frm_login.aspx

117

Scheme has the potential not only to significantly uplift the businesses of the existing SC

entrepreneurs but also the first generation SC entrepreneurs, who aspire to be part of neo

middle class category.

Eligibility and other conditions:

Small and Medium Enterprises, projects/units being set up, promoted and run by

Scheduled castes in manufacturing and services sector ensuring asset creation out of

the funds deployed in the unit

Registered Companies and Societies having more than 75% shareholding by

Scheduled Caste entrepreneurs/promoters/members with management control for the

past 12 months

Registered Partnership Firms having more than 75% shareholding with Scheduled

Caste Partners for the past 12 months

Documentary proofs of being SC will have to be mandatorily submitted by the

entrepreneurs/promoters/partners/society members at the time of submitting the

proposals

The Scheduled Caste promoter(s)/Partners/Society members shall not dilute their

stake below 75% in the company/enterprise during the currency of the loan.

Individuals and sole proprietorship firms are not covered in the scheme.

Benefits:

The GoI ensures a guarantee cover of 80% of the sanctioned facility if the loan

amount is between Rs. 25 lakh and Rs. 2 crore, in the case of registered companies.


amount is between Rs. 2 crore and Rs. 5 crore, in the case of registered companies.


amount is above Rs. 5 crore, in the case of registered companies.

For registered partnerships and firms, the amount of guarantee cover is 60% of the

sanctioned facility in all loan brackets mentioned above.

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Interested borrowers may seek loan sanction in certain Member Lending Institutions

(MLI).

The list of MLIs along with their Nodal Officers for the scheme is provided on the

IFCI's website:

https://www.ifcicegssc.in/Content/Manual/List%20of%20Nodal%20Officer-

Banks_New.pdf

Other notes:

For more details and the entire set of guidelines, please visit:

http://socialjustice.nic.in/writereaddata/UploadFile/CEGSforSCs-14515.pdf

For a list of FAQs, please visit:

http://socialjustice.nic.in/writereaddata/UploadFile/CEGS-FAQs_2015.pdf

3. Venture Capital Fund for Scheduled Castes

The scheme is a social sector initiative to be implemented nationally in order to promote

entrepreneurship among the scheduled caste population in India. It aims to promote

entrepreneurship amongst the Scheduled Castes who are oriented towards innovation and

growth technologies. The scheme seeks to provide concessional finance to the scheduled

caste entrepreneurs, who will create wealth and value for society and at the same time will

promote profitable businesses, thereby increasing the financial inclusion of SC entrepreneurs

and motivating them to further the growth of SC communities.

Eligibility and other conditions:

Projects/units being set up in manufacturing and services sector ensuring asset

creation out of the funds deployed in the unit shall be considered

Companies having at least 60% stake holding by Scheduled Caste entrepreneurs for

the past 12 months with management control

Documentary proofs of being SC will have to be submitted by the entrepreneurs at the

time of submitting the proposals

While selecting the SC entrepreneurs, women SC entrepreneurs would be preferred

https://www.ifcicegssc.in/Content/Manual/List%20of%20Nodal%20Officer-Banks_New.pdf

https://www.ifcicegssc.in/Content/Manual/List%20of%20Nodal%20Officer-Banks_New.pdf

http://socialjustice.nic.in/writereaddata/UploadFile/CEGSforSCs-14515.pdf

http://socialjustice.nic.in/writereaddata/UploadFile/CEGS-FAQs_2015.pdf

119

Benefits:

Financial assistance upto Rs. 5 crore - Investment under this category shall be funded

maximum upto 75% of the project cost and the balance 25% of the project cost will be

funded by the promoters.

Financial assistance above Rs. 5 crore - Investment under this category shall be

funded maximum upto 50% of the project cost. At least 25% of the project cost has to

be financed by bank/other institutions. Balance 25% of the project cost will be funded

by the promoters.


Proposals shall be invited by way of Advertisements/ publications through Print &

Electronic Media.

All the processes from the application stage to sanction stage would be online, and

proper tracking system of the application would be implemented by the IFCI.

The estimated time period required for an investment proposal to mature from

application stage to sanction stage would be approximately 3-4 months for equity

proposals and 2-3 months for equity linked debt proposals.

Post submitting the proposal, the proposals shall be put up before the screening

committee for approval.

Other notes:

For further details and guidelines, please visit:

http://socialjustice.nic.in/writereaddata/UploadFile/VCFforSC.pdf

http://socialjustice.nic.in/writereaddata/UploadFile/VCFforSC.pdf

120

4. New Swarnima Special Scheme for Women

The ‘New Swarnima Special Scheme for Women’ is a scheme coordinated by the National

Backward Classes Finance and Development Corporation. It allows for eligible women to

innovate and start their own entrepreneurial venture with the support of the money provided

by the chanelising agencies. For ventures upto Rs. 1 lakh, the women need not use any

money out of her own savings. The scheme therefore works on two fronts: it allows for

alleviation of backward classes, but importantly by focusing on the women in the

communities since it is the women who are often times doubly disadvantaged.

Eligibility:

The women belonging to Backward Classes as notified by the Central / State

Governments from time to time shall be eligible for loan under this scheme.

The annual family income of the applicant is fixed as Rs.3.00 lakh.

The banks are requested to release at least 50% of total funding to persons with

annual family income upto Rs.1.50 lakh.

Benefits:

Under this scheme, women belonging to backward classes living below double the

poverty line can obtain loan upto Rs.1,00,000/- @ 5% per annum


Prospective eligible beneficiaries should apply on prescribed form (available with the

State Channelising Agencies [SCA]) to District Office of SCA where she/he normally

resides.

The applicant should clearly mention his/her felt needs and choice of vocation and

training requirements, if any, in the application form.

Submit documents as a proof of the same such as Caste and Income Certificate issued

by Competent Authority like Tehsildar/Sub Divisional Magistrate/District Collector

etc.

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Other notes:

Loan is to be repaid in quarterly installments within 4 Years (including the

moratorium period of six months on the recovery of principal).

To initiate application process, the applicant is required to contact an SCA within

her/his state of domicile. A list of SCAs are available here: http://nbcfdc.gov.in/view-

nbcfdc-scas.php?state=all

5. Seekho aur Kamao

This scheme aims at upgrading the skills of the minority youths in various modern/traditional

vocations depending upon their educational qualification, present economic trends and the

market potential, which can earn them a suitable employment or make them suitably skilled

to go for self employment. As its objectives, the scheme aims to bring down the

unemployment rate among minorities, conserve and update traditional skills of minorities and

establish their linkages with market, improve employability of existing workers, school

dropouts etc. and ensure their placement, generate means of better livelihood for

marginalized minorities and bring them in the mainstream, and to provide opportunities for

minorities in the market.

Eligibility:

The trainee should belong to minority community.

The trainee should be between 14 and 45 years of age.

The minimum qualification of trainee should be at least class V

Benefits:

Placement linked ‘Skills Training Programme’ for Modern Trades which includes soft

skills training, basic IT training, basic English training and other skills, are provided

to the beneficiaries.

For traditional trades, training is provided to enhance skills and develop Self Help

Groups develop a market oriented production model.

http://nbcfdc.gov.in/view-nbcfdc-scas.php?state=all

http://nbcfdc.gov.in/view-nbcfdc-scas.php?state=all

122

Monthly stipend for non-residential trainees would be Rs. 2000/- per month, and

residential trainees will receive Rs. 1000/- per month.

Post Placement Support to all placed candidates will be Rs. 2000/- per month for two

months.


Interested applicants can register with the voluntary organizations (NGOs) who have

empanelled themselves with the Ministry of Minority Affairs, if the organization is

present within their locality.

A list of such organizations (or Project Implementation Agencies) are provided at the

website of the Ministry of Minority Affairs:

http://www.minorityaffairs.gov.in/sites/default/files/134%20PIA%20with%20Addres

s.pdf

All voluntary organizations/ Project Implementation Agencies are to advertise their

skill training programs targeting minority youth suitably.

Other notes:

Interested applicants should regularly check the scheme related webpage of ‘Seekho

aur Kamao’ in the event that other voluntary organizations/Project Implementing

Agencies are added: http://seekhoaurkamao-moma.gov.in/

6. Pradhan Mantri Mudra Yojana [PMMY]

PMMY is a scheme launched by for providing loans upto Rs. 10 lakh to the non-corporate,

non-farm small and micro enterprises. These loans are classified as MUDRA loans under

PMMY. These loans are given by Commercial Banks, RRBs, Small Finance Banks,

Cooperative Banks. Under the aegis of PMMY, MUDRA has created three products namely

'Shishu', 'Kishore' and 'Tarun' to signify the stage of growth and development, and funding

needs of the beneficiary micro unit/entrepreneur and also provide a reference point for the

next phase of growth.

http://www.minorityaffairs.gov.in/sites/default/files/134%20PIA%20with%20Address.pdf

http://www.minorityaffairs.gov.in/sites/default/files/134%20PIA%20with%20Address.pdf

http://seekhoaurkamao-moma.gov.in/

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By providing the necessary financial assistance the government hopes that the capital loaned

to the entrepreneur allows her/him to enlarge business opportunities, and also in turn

providing employment opportunities to others.

Eligibility:

Non–Corporate Small Business Segment (NCSB) comprising of small manufacturing

units, service sector units, shopkeepers, fruits/vegetable vendors, truck operators,

food-service units, repair shops, machine operators, small industries, artisans, food

processors and others, in rural and urban areas, are eligible for Mudra loans.

Applicant should not be defaulter of any Bank / Financial Institution

Benefits:

No processing fee

No collateral

Repayment period of loan is extended up to 5 years

‘Shishu’ loans of upto Rs. 50000, ‘Kishore’ loans of upto Rs. 5 lakh, and ‘Tarun’

loans of upto Rs. 10 lakh are provided to applicants based on their requirements,

experience and stage of growth of enterprise.


Interested applicants may download and fill up the relevant application form, from

here: https://www.mudra.org.in/Home/PMMYBankersKit

Following the above step, interested applicants may submit their loan application and

proposal at any bank. The procedure for loan sanction of the bank applies from here.

However, since the scheme allows for no collateral and refinancing help for the

financial institution involved, it is believed that the loans will be processed faster and

more easily through this scheme.

https://www.mudra.org.in/Home/PMMYBankersKit

124

Documents required:

Proof of identity – Self attested copy of Voter’s ID Card / Driving Licence / PAN

Card / Aadhaar Card / Passport / Photo Ids issued by Government authority, etc.

Proof of Residence : Recent telephone bill / electricity bill / property tax receipt (not

older than 2 months) / Voter’s ID Card / Aadhaar Card / Passport / Proprietor or

Partner’s Bank passbook or latest account statement duly attested by Bank Officials /

Domicile Certificate / Certificate issued by Government authority, etc.

Applicant’s recent photograph

Quotation of machinery / other items to be purchased.

Copies of relevant licenses / registration certificates / other documents pertaining to

the ownership, identity of address of business unit, if any.

7. Mahatma Gandhi National Rural Employment Guarantee Act [MGNREGA]

The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), also known

as Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS), was

enacted on August 25th, 2005. The MGNREGA provides a legal guarantee for one hundred

days of employment in every financial year to adult members of any rural household willing

to do public work-related unskilled manual work at the statutory minimum wage. Therefore,

MGNREGA results in the employment of a significant rural population, but also results in the

creation of productive assets of prescribed quality and durability. The MGNREGA

strengthens the livelihood resource base of the poor, and thereby ensures social inclusion and

also strengthens Panchayati Raj institutions since at least 50% works will be allotted to Gram

Panchayats for execution.

At the time of its introduction the MGNREGA was seen (and is still seen) as a substantial

shift in the way the state is to perceive the employment options of the poor. The MGNREGA

provides a statutory guarantee of wage employment through a a rights-based framework for

wage employment. Employment is dependent upon the worker exercising the choice to apply

for registration, obtain a Job Card, and seek employment for the time and duration that the

worker wants. To view employment as a right of a citizen that the state must provide for, was

125

in many ways a radical departure from the early wage employment programmes that were

allocation based.

The MGNREGA is therefore seen as a milestone for the nation, in leveraging the

employment needs of the poor.

Eligibility:

All adult members of rural households are eligible to apply for work. It is necessary to

apply as a household at the local Gram Panchayat. ‘Household’ will mean a nuclear

family comprising mother, father, and their children, and may include any person

wholly or substantially dependent on the head of the family. Household will also

mean a single-member family.

All adult members of the household are to be local residents: ‘Local’ implies residing

within the Gram Panchayat. This includes those that may have migrated some time

ago but may return.

They should be willing to do unskilled manual work.

Guaranteed Benefits and Rights:

MGNREGA guarantees hundred days of wage employment in a financial year, to a

rural household whose adult members volunteer to do unskilled manual work.

Individual beneficiary oriented works can be taken up on the cards of Scheduled

Castes and Scheduled Tribes, small or marginal farmers or beneficiaries of land

reforms.

Within 15 days of submitting the application or from the day work is demanded, wage

employment will be provided to the applicant.

Right to get unemployment allowance, in case employment is not provided within

fifteen days of submitting the application or from the date when work is sought.

Receipt of wages within fifteen days of work done.

126

Process to register household:

The application for registration may be given on plain paper to the local Gram

Panchayat. It should contain the names of those adult members of the household who

are willing to do unskilled manual work, and particulars such as age, sex and SC/ST

status.

An individual may appear personally and make an oral request for registration.

Verification of applications will be regarding local residence in the Gram Panchayat

concerned, the household as an entity, and the fact that applicants are adult members

of the household.

The process of verification shall be completed as early as possible, and in any case,

not later than a fortnight after the receipt of the application in the Gram Panchayat.

After verification, the Gram Panchayat will enter all particulars in the Registrations

Register in the Gram Panchayat.

The Gram Panchayat will issue Job Cards to every registered household. The timely

issue of well-designed Job Cards is essential; this is a critical legal document, which

also helps to ensure transparency and protect labourers against fraud.

Process for application to gain work:

Applications for work should generally be submitted to the Gram Panchayat.

Applications should be given in writing and should include the registration number of

the Job Card, the date from which employment is required, and the number of days of

employment required

A single application may be given for a number of days in different periods during the

year for which employment is required. ‘Joint applications’ may also be submitted by

several applicants. The applicant may present himself in the GP office to indicate

willingness for work. This will be recorded by Gram Rozgar Sahayak in the

prescribed application form and employment register. A worker having a job card

may apply for work on work-site.

A dated receipt for the application for work must be issued to the applicant.

127

The lack of formal application form should not be a ground for denying work. This

will encourage workers to get work without having to formally articulate their

demand for work.

Other notes:

For further details and the operation guidelines of the MGNREGA, please visit:

http://nrega.nic.in/Nrega_guidelinesEng.pdf

For a list of FAQs, please visit:

http://nrega.nic.in/Circular_Archive/archive/nrega_doc_FAQs.pdf

http://nrega.nic.in/Nrega_guidelinesEng.pdf

http://nrega.nic.in/Circular_Archive/archive/nrega_doc_FAQs.pdf

OUR PROJECTS

MISAAL FELLOWSHIP: Misaal, with the support of many like-

minded organisations, launched the ‘Misaal Fellowship: Youth for Inclusive

Development’ programme in January 2015 to support a nation-wide network

of youth activists working with the poorest Muslim communities in the poorest

minority concentrated districts. Under the fellowship, we work towards

training, capacity building, networking and advocacy support for fellows and

the local communities.

MISAAL TALEEM: After more than one year of field engagement in

few states we realized through the baseline surveys, community meetings and

engagement with beneficiaries and volunteers, that, education level was

drastically low. Most of the children were either out of school or enrolled in

government schools, and not getting proper education. It came out that lack of

education was root for many other problems that communities are facing

including awareness, employment and ability to take informed decisions.

MISAAL ROZGAAR: Is an attempt to develop sustainable models of

livelihood generation for weaker sections who are stuck in the cycle of being

dependent on labour work. Under this project we have established Misaal

Rozgaar Resource Centres in Patna and Banda. The Patna centre is supported

thanks to the generosity of Midlands International Aid Trust and British

Association for People of Asian origin, both UK based charities. Banda centre is

supported Indian Muslim Welfare Association, Lucknow. Misaal Rozgaar aims to

provide skills training in crafts (tailoring, among others) as well as in enterprise

development for sustainable income generation, to older and young adult women

from weaker section of the society, namely poor Muslim and Dalit families.

WE AT MISAAL STRIVE FOR:

Greater awareness, organization, and capacity among

poorer minorities and other excluded groups, and activities,

organization and alliances working with them.

Better access of the excluded groups to pro-poor laws,

services, and programs.

Promoting pro-poor, gender-friendly and progressive

attitudes and practices within the community.

Strengthened mixed-group mobilization and capacity, at

local level, around pluralistic value, tolerance of diversity

and minority rights.

OUR PARTNERS:

Quill Foundation

Citizens Against Hate

The South Asia Collective

CONTACT US

M I S A A L F O U N D A T I O N

M - 5 , H A U Z K H A S , (R E A R S I D E , G R O U N D F L O O R) , A U R O B I N D O M A R G , N E W D E L H I - 1 1 0 0 1 6 , I N D I A.