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Doctors Medicines MCQs Q&A

  1. Pradhan Mantri Mudra Yojana
  2. Pradhan Mantri Ayushman Bharat Yojana
  3. Pradhan Mantri Suraksha Bima Yojana
  4. Pradhan Mantri Jan Dhan Yojana
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1 Answers

Option 1 : Pradhan Mantri Mudra Yojana

The correct answer is Pradhan Mantri Mudra Yojana.

  • The Government of India launched MUDRA Yojana in 2015 to boost the micro sector by setting up institutions for development and refinancing.
  • Under this scheme, a loan of up to Rs. 10 lakhs is provided to non-corporate, micro-enterprises.
  • There are three products under this scheme -
    • Shishu: Loan up to Rs. 50,000.
    • Kishore: Loan from Rs. 50,000 to Rs. 5 lakh.
    • Tarun: Loan from Rs. 5 lakh to Rs. 10 lakh.
  • Purpose of MUDRA loan:
    • Commercial transport vehicle loan.
    • Loans for the agriculture and food sector.
    • Equipment finance loan for micro-units.
    • Business loans for Traders and shopkeepers.
    • Development & Promotional Support (Sectoral Development, Financial Literacy, Institution Development).

  • Pradhan Mantri Ayushman Bharat Yojana:
    • The Government of India's Ayushman Bharat Scheme is a national public health insurance fund that intends to provide low-income Indians with free health insurance coverage.
    • The Ayushman Bharat Scheme was launched on 23rd September 2018 in Ranchi, Jharkhand.
    • It was launched by the Prime Minister of India, Narendra Modi.
    • It was launched as recommended by the National Health Policy 2017, to achieve the vision of Universal Health Coverage (UHC).
    • The scheme was extended to the Union Territories of Jammu Kashmir and Ladakh by December 26, 2020.
    • It is the largest government-sponsored healthcare programme in the world.
    • The Pradhan Mantri Jan Arogya Yojna (PM-JAY) is the second component of Ayushman Bharat.
    • The scheme will have a defined benefit cover of Rs.5 lakh per family per year.
    • Benefits are available in both public and private facilities that have been impaneled.
  • Pradhan Mantri Suraksha Bima Yojana:
    • Pradhan Mantri Suraksha Bima Yojana is a government scheme launched on 9th May 2015 by PM Narendra Modi.
    • It intends to provide an affordable insurance scheme for the poor and underprivileged people in the age group of 18 to 70 years with a bank account at a premium of Rs.12 per annum; risk coverage of Rs.2 lakh for accidental death and full disability and Rs. 1 lakh for partial disability.
    • As per the latest PIB release, about 41.50 percent of enrolment under this scheme belong to women, and 61.29 per cent of claim beneficiaries are women.
    • Some of the benefits provided by the scheme are mentioned below:
      • The Pradhan Mantri Suraksha Bima Yojana offers a life cover of Rs. 2 lakhs for one year to all its account holders.
      • This life cover is provided in case of accidental death or permanent disability.
      • A life cover of Rs. 1 lakh is provided to the beneficiary in case of partial disability.
      • This scheme can be availed by any individual aged between 18 years to 70 years.
      • In case of the death of the account holder, the benefits of the scheme can be availed by his/her nominee.
      • The scheme provides an annual premium of Rs. 12 per annum per member.
      • This premium is auto-debited in one instalment on or before 1st June of every year.
  • Pradhan Mantri Jan Dhan Yojana (PMJDY):
    • It is a National Mission on Financial Inclusion that has an integrated approach to bringing about comprehensive financial inclusion and providing banking services to all households in the country.
    • PMJDY is one of the biggest financial inclusion initiatives in the world, announced on 15 August 2014 by PM Narendra Modi from the ramparts of the Red Fort and launched on August 28th.
    • Guinness World Records has also recognized the achievements made under PMJDY and has certified that the "Most bank accounts opened in one week as part of the Financial Inclusion Campaign is 18,096,130 and was achieved by the Department of Financial Services, Government of India."
    • Coverage: Today, coverage of almost 100% has been achieved where out of the accounts opened, 60% are in rural areas and 40% are in urban areas while the share of female account holders is about 51%.
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Related Questions

All actions to address climate change ultimately involve costs. Funding is vital in order for countries like India to design and implement adaptation and mitigation plans and projects. The problem is more severe for developing countries like India, which would be one of the hardest hit by climate change, given its need to finance development. Most countries do indeed treat climate change as real threat and are striving to address it in a more comprehensive and integrated manner with the limited resources at their disposal. With reference to the above passage, the following assumptions have been made: 1. Climate change is not a challenge for developed countries. 2. Climate change is a complex policy issue and also a development issue for many countries. 3. Ways and means of finance must be found to enable developing countries to enhance their adaptive capacity. Which of the above assumptions is/are valid?
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