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Indian Banking product: Government Sponsor Scheams

 

5. GOVERNMENT SPONSORED SCHEMES (सरकार द्वारा चलाई जाने वाली योजनाएं)




Definition:

Jab sarkar kisi vishesh varg ke logon (jaise gareeb, mahila, kisan, yuvak, SC/ST, MSME) ko financial support dene ke liye koi scheme chalati hai, to ise Government Sponsored Scheme kehte hain. In schemes ke under loan ya subsidy mil sakti hai.

Pramukh Government Sponsored Schemes (मुख्य सरकारी योजनाएं)

  1. PMMY - Pradhan Mantri Mudra Yojana (प्रधानमंत्री मुद्रा योजना)

    • Chhote business aur startups ke liye ₹50,000 - ₹10 lakh tak loan.

    • Types: Shishu (₹50k tak), Kishore (₹5 lakh tak), Tarun (₹10 lakh tak).

  2. PMEGP - Prime Minister’s Employment Generation Programme (प्रधानमंत्री रोजगार सृजन कार्यक्रम)

    • Self-employment aur MSME setup ke liye.

    • 15-35% subsidy milti hai.





  1. Stand-Up India

    • SC/ST aur mahila entrepreneurs ko ₹10 lakh - ₹1 crore tak loan.

  2. KCC - Kisan Credit Card

    • Kisano ke liye asaan aur sasta loan.

    • ₹3 lakh tak ka loan, sirf 4% byaaj par.

  3. DAY-NULM - Deendayal Antyodaya Yojana - National Urban Livelihoods Mission

    • Shahron mein gareebon ko business ya self-employment ke liye loan aur training milti hai






Government Schemes ka Mahatva (Importance)

✔ Gareeb aur berozgar logon ko support milta hai.
✔ MSME aur self-employment badhta hai.
✔ Kisanon ki arthik sthiti sudhar ti hai.
✔ Women entrepreneurs ka vikas hota hai.

Example: Real-Life Government Scheme Case

Seema ek mahila entrepreneur hai. Usne Stand-Up India scheme ke under ₹25 lakh ka loan liya aur tailoring unit setup kiya. Aaj uske 10 logon ko naukri mili aur uska business grow ho raha hai.




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