5-Apr-2022: More than Rs 30,160 crore loans sanctioned to over 1,33,995 accounts under Stand-Up India Scheme in 6 years
As we celebrate the sixth anniversary of Stand Up India Scheme, let us take a look at how this scheme has fulfilled the aspirations entrepreneurs, particularly women and Scheduled Castes (SCs), Scheduled Tribes (STs) and also sift through the achievements, salient features and enhancement to the scheme over the years.
Recognizing the challenges faced by Aspiring SC, ST and women entrepreneurs, Stand up India Scheme was launched on 5th April 2016 to promote entrepreneurship at grassroot level focusing on economic empowerment and job creation. In 2019-20, the Stand Up India scheme was extended for the entire period coinciding with the 15th Finance Commission period of 2020-25.
On the occasion, Union Finance & Corporate Affairs Minister Smt. Nirmala Sitharaman said, “As we commemorate the sixth anniversary of the Stand-Up India Scheme, it is heartening to see that more than 1.33 lakh new job-creators and entrepreneurs have so far been facilitated under this Scheme.”
Smt. Sitharaman further said, “More than 1 lakh women promoters have benefitted from this Scheme during its six years of operation. The Government understands the potential these rising entrepreneurs have in driving economic growth through their roles as not just wealth-creators but also job-creators.”
“As more and more beneficiaries from the underserved segments of entrepreneurs are targeted for coverage, we would make significant strides towards building an Atmanirbhar Bharat,” the Finance Minister added.
As India is growing rapidly, hopes, aspirations and expectations of a large group of potential entrepreneurs, particularly women and Scheduled Castes (SCs), Scheduled Tribes (STs), are rising. They want to set up an enterprise of their own to allow themselves to thrive and grow. Such entrepreneurs are spread across country and are bubbling with ideas on what they can do for themselves and their families. The scheme envisages to facilitate the dreams of aspiring SC, ST and women entrepreneurs to reality by supporting their energy and enthusiasm and removing many hurdles from their path.
As we celebrate the sixth anniversary of Stand Up India Scheme, let us take a look at the features and achievement of this Scheme.
The objective of Stand-Up India is to promote entrepreneurship amongst women, Scheduled Castes (SC) & Scheduled Tribes (ST) categories, to help them in starting a greenfield enterprise in manufacturing, services or the trading sector and activities allied to agriculture.
The purpose of Stand-Up India is to:
- promote entrepreneurship amongst women, SC & ST category;
- provide loans for greenfield enterprises in manufacturing, services or the trading sector and activities allied to agriculture;
- facilitate bank loans between Rs.10 lakh and Rs.1 crore to at least one Scheduled Caste/ Scheduled Tribe borrower and at least one woman borrower per bank branch of Scheduled Commercial Banks.
Why Stand-Up India?
The Stand-Up India scheme is based on recognition of the challenges faced by SC, ST and women entrepreneurs in setting up enterprises, obtaining loans and other support needed from time to time for succeeding in business. The scheme therefore endeavors to create an eco-system which facilitates and continues to provide a supportive environment for doing business. The scheme seeks to give access to loans from bank branches to borrowers to help them set up their own enterprise. The scheme, which covers all branches of Scheduled Commercial Banks, will be accessed in three potential ways:
- Directly at the branch or,
- Through Stand-Up India Portal (www.standupmitra.in) or,
- Through the Lead District Manager (LDM).
Who all are eligible for a loan?
- SC/ST and/or women entrepreneurs, above 18 years of age;
- Loans under the scheme are available for only green field projects. Green field signifies; in this context, the first time venture of the beneficiary in manufacturing, services or the trading sector and activities allied to agriculture;
- In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held by either SC/ST and/or Women Entrepreneur;
- Borrowers should not be in default to any bank/financial institution;
- The Scheme envisages ‘upto 15%’ margin money which can be provided in convergence with eligible Central/State schemes. While such schemes can be drawn upon for availing admissible subsidies or for meeting margin money requirements, in all cases, the borrower shall be required to bring in minimum of 10 % of the project cost as own contribution.
Handholding Support: Apart from linking prospective borrowers to banks for loans, the online portal www.standupmitra.in developed by Small Industries Development Bank of India (SIDBI) for Stand Up India Scheme is also providing guidance to prospective entrepreneurs in their endeavour to set up business enterprises, starting from training to filling up loan applications, as per bank requirements. Through a network of more than 8,000 Hand Holding Agencies, this portal facilitates step by step guidance for connecting prospective borrowers to various agencies with specific expertise viz. Skilling Centres, Mentorship support, Entrepreneurship Development Program Centres, District Industries Centre, together with addresses and contact number.
Changes to Stand Up India Scheme
Pursuant to an announcement by the Union Finance Minister in the Budget speech FY 2021-22, the following changes have been made in the Stand Up India Scheme:-
- The extent of margin money to be brought by the borrower has been reduced from ‘upto 25%’ to ‘upto 15%’ of the project cost. However, the borrower will continue to contribute at least 10% of the project cost as own contribution;
- Loans for enterprises in ‘Activities allied to agriculture’ e.g. pisciculture, beekeeping, poultry, livestock, rearing, grading, sorting, aggregation agro industries, dairy, fishery, Agri clinic and agribusiness centers, food & agro-processing, etc. (excluding crop loans, land improvement such as canals, irrigation, wells) and services supporting these, shall be eligible for coverage under the Scheme.
To extend collateral free coverage, Government of India has set up the Credit Guarantee Fund for Stand Up India (CGFSI). Apart from providing credit facility, Stand Up India Scheme also envisages extending handholding support to the potential borrowers. It also provides for convergence with Central/State Government schemes. Applications under the scheme can also be made online at (www.standupmitra.in) portal.
20-Jul-2021: Stand Up India Scheme extended up to the year 2025
Key Highlights:
- Stand Up India Scheme was launched by the Prime Minister on 05th April, 2016 and extended up to the year 2025.
- Stand Up India Scheme facilitates loans to Scheduled Caste, Scheduled Tribe and women borrowers.
- A total of 1,16,266 loans amounting to Rs. 26204.49 crore extended under the Scheme since inception.
- Margin Money requirements for Scheme loans reduced in the Budget Speech for FY 2021-22
- Activities allied to agriculture included in the Scheme in the Budget Speech for FY 2021-22.
As informed by the Department of Financial Services, Ministry of Finance, the Stand Up India Scheme was launched by the Prime Minister on 05th April, 2016 and has been extended up to the year 2025. The objective of the Stand Up India Scheme is to facilitate loans from Scheduled Commercial Banks (SCBs) of value between Rs. 10 lakh and Rs.1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and one woman borrower per bank branch for setting up a green field enterprise in manufacturing, services or trading sector. As on 28.06.2021, a total of 1,16,266 loans amounting to Rs. 26204.49 crore have been extended under the Scheme since inception.
Pursuant to an announcement made by the Finance Minister in the Budget Speech for F.Y.2021-22, the margin money requirement for loans under the Scheme has been reduced from 'upto 25%' to `upto 15%' and activities allied to agriculture have been included in the Scheme. Apart from this, no other change is contemplated in the scheme.
Government does not allocate funds for loans under the Stand Up India Scheme. Loans under the Scheme are extended by SCBs as per commercial parameters, Board approved policies of respective banks and extant RBI guidelines. An amount of Rs. 500 crore each was however released by Government in FY 2016-17 and FY 2017-18 and Rs 100 crore in FY 2020-21 towards the corpus of Credit Guarantee Fund for Stand Up India (CGFSI).
The Government has taken various steps towards effective implementation of the Scheme, these, inter alia, include provision for submission for online applications by potential borrowers through www.standupmitra.in portal, hand-holding support, intensive publicity campaign, simplified loan application form, Credit Guarantee Scheme, convergence with State and Central government Schemes wherever feasible, reduction in margin money and inclusion of activities allied to agriculture etc.
4-Apr-2021: More than Rs 25,586 crore sanctioned to over 1,14,322 accounts by the Banks under Stand-Up India Scheme in 5 years
India is growing rapidly. Hopes, Aspirations and Expectations are rising. There is a large group of potential entrepreneurs particularly women and Scheduled Caste (SC), Scheduled Tribes (ST) who want to set up an enterprise of their own, which allows them to grow and thrive. Such entrepreneurs are spread across country and are bubbling with ideas on what they can do for themselves and their families.
Aspiring SC, ST and women entrepreneurs are energetic and enthusiastic but may face challenges in converting their dream to reality. Recognizing these challenges, Stand up India Scheme was launched on 5th April 2016 to promote entrepreneurship at grassroot level focusing on economic empowerment and job creation. This scheme has been extended up to the year 2025.
As we celebrate the fifth anniversary of Stand Up India Scheme, let us take a look at the features and achievement of this Scheme.
The objective of Stand-Up India is to promote entrepreneurship amongst women, Scheduled Castes (SC) & Scheduled Tribes (ST) categories, to help them in starting a greenfield enterprise in trading, manufacturing and services sector, by both ready and trainee borrowers.
The purpose of Stand-Up India is to:
- promote entrepreneurship amongst women, SC & ST category.
- Provide loans for setting up greenfield enterprises in manufacturing, services or the trading sector & activities allied to agriculture by both ready and trainee borrowers
- facilitate bank loans between Rs.10 lakh to Rs.1 crore to at least one Scheduled Caste/ Scheduled Tribe borrower and at least one woman borrower per bank branch of Scheduled Commercial Banks
Why Stand-Up India?
The Stand-Up India scheme is based on recognition of the challenges faced by SC, ST and women entrepreneurs in setting up enterprises, obtaining loans and other support needed from time to time for succeeding in business. The scheme therefore endeavors to create an eco-system which facilitates and continues to provide a supportive environment for doing business. The scheme seeks to give access to loans from bank branches to borrowers to help them set up their own enterprise. The scheme, which covers all branches of Scheduled Commercial Banks, will be accessed in three potential ways:
- Directly at the branch or,
- Through Stand-Up India Portal (www.standupmitra.in) or,
- Through the Lead District Manager (LDM).
Who all are eligible for a loan?
- SC/ST and/or women entrepreneurs, above 18 years of age.
- Loans under the scheme are available for only green field projects. Green field signifies, in this context, the first time venture of the beneficiary in the manufacturing, services or the trading sector & activities allied to agriculture
- In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held by either SC/ST and/or Women Entrepreneur.
- Borrowers should not be in default to any bank/financial institution.
Achievements of this Scheme as on 23.03.2021
Rs. 25,586 crore has been sanctioned under Stand Up India Scheme to over 1,14,322 accounts upto 23.03.2021 since inception of the Scheme.
9-Mar-2021: Implementation of ‘Stand Up India’ Scheme
The ‘Stand Up India Scheme’ was launched by the Prime Minister on 5thApril, 2016 and has been extended upto the year 2025 as informed by the Department of Financial Services, Ministry of Finance. The objective of the Stand Up India Scheme is to facilitate loans from Scheduled Commercial Banks (SCBs) of value between Rs. 10 lakh and Rs.1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and one woman borrower per bank branch for setting up a greenfield enterprise in manufacturing, services or trading sector. As on 02.03.2021, a total of 1,11,619 loans amounting to Rs. 24985.27 crore have been extended under the Scheme since inception
Pursuant to an announcement made in the Finance Minister's Budget Speech for F.Y. 2021-22, the margin money requirement for loans under this has been reduced from 'upto 25%' to 'upto 15%' and activities allied to agriculture have been included in the Scheme.
Government does not allocate funds for loans under the Stand Up India Scheme. Loans under the Scheme are extended by SCBs as per commercial parameters, Board approved policies of respective banks and extant RBI guidelines. An amount of Rs. 500 crore each was however released by Government in FY 2016-17 and FY 2017-18 and Rs. 100 crore in FY 2O2O-21 towards the corpus of the Credit Guarantee Fund for Stand Up India (CGFSI).
The Government has taken various steps towards effective implementation of the Scheme. These, inter alia, include provision for submission for online applications by potential borrowers through www.standupmitra.in portal, handholding support, intensive publicity campaigns, simplified loan application form, Credit Guarantee Scheme, convergence with State and Central Government Schemes wherever feasible, reduction in margin money and inclusion of activities allied to agriculture etc.
8-Mar-2021: More than 81% account holders are Women under Stand Up India Scheme
Ministry of Finance, in the past seven years has launched various Schemes which have special provisions for empowerment of women. These Schemes have financially empowered women to lead a better life and chase their dreams of being an entrepreneur.
As we are celebrating International Women’s Day , today , on 8th March 2021, we take a look at various schemes initiated by the Ministry of Finance which have benefitted the women in India.
Stand-Up India Scheme - Stand Up India Scheme was launched on 5 April 2016 to promote entrepreneurship at grass root level for economic empowerment and job creation. This scheme seeks to leverage the institutional credit structure to reach out to the underserved sector of people such as Scheduled Caste, Scheduled Tribe and Women Entrepreneurs so as to enable them to participate in the economic growth of nation.
The objective of this scheme is to facilitate bank loans between Rs.10 lakh and Rs.1 crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch of SCBs for setting up a Greenfield enterprise.
As on 26.02.2021, more than 81% i.e., 91,109 accounts with an amount of Rs. 20,749 crore have been sanctioned to women entrepreneurs under Stand Up India Scheme.
Pradhan Mantri MUDRA Yojana (PMMY) - PMMY was launched on April 8, 2015 for providing loans up to 10 lakh to the non-corporate, non-farm small/micro enterprises. These loans are classified as MUDRA loans under PMMY. These loans are given by Commercial Banks, RRBs, Small Finance Banks, MFIs and NBFCs.
Under the aegis of PMMY, MUDRA has created three products namely 'Shishu', 'Kishore' and 'Tarun' to signify the stage of growth / development and funding needs of the beneficiary micro unit / entrepreneur and also provide a reference point for the next phase of graduation / growth.
As on 26.02.2021, about 68% i.e., 19.04 crore accounts with an amount of Rs. 6.36 lakh crore have been sanctioned to women entrepreneurs under MUDRA scheme since inception.
Pradhan Mantri Jan-Dhan Yojana (PMJDY) - PMJDY was launched on 28th August 2014. It envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension.
As on 24.02.2021, 23.21 crore accounts, out of the total 41.93 crore accounts opened under the scheme belong to women account holders.
17-Mar-2020: More than Rs 20,000 crores of loans sanctioned under Stand Up India Scheme since inception
Rs 20,466.94 crores of loans have been sanctioned under Stand Up India Scheme to over 91,000 accounts upto 10.03.2020 since inception of the Scheme.
Stand Up India Scheme was launched by the Government on 5th April, 2016. The Scheme facilitates bank loans between Rs. 10 lakh and Rs. 1 crore to at least one Scheduled Caste/ Scheduled Tribe borrower and at least one woman borrower, per bank branch of Scheduled Commercial Banks (SCBs), for setting up greenfield enterprises in the manufacturing, services or the trading sectors.
4-Apr-2022: Nai Pahal Scheme
Ministry of Minority Affairs is not implementing “Nai Pahal Scheme.” However, Ministry of Minority Affairs is implementing the following schemes:
- Nai Roshni -Nai Roshni scheme is a Central Sector scheme which aims to empower and enhance confidence in women by providing knowledge, tools and techniques for Leadership Development of Women. It is a six-day non-residential/five-day residential training programme conducted by selected Programme Implementing Agencies for the women belonging to minority community in the age group of 18 to 65 years. The training programme cover areas related to programmes for women, health and hygiene, legal rights of women, financial literacy, digital literacy, Swachch Bharat, Life Skills, and advocacy for social and behavioural changes, etc. So far, around 4.35 Lakh women have been trained under the scheme.
- Naya Savera - Free Coaching and Allied Scheme - The Scheme aims to provide free coaching to students/candidates belonging to six notified minority communities i.e. Sikhs, Jains, Muslims, Christians, Buddhists and Parsis for technical/professional courses and competitive examination for recruitment to Group ‘A’, ‘B’, & ‘C’ services and other equivalent posts under the Central and State Governments. The scheme is implemented across the country through empanelled project implementing agencies (PIAs). So far, more than 1.19 lakh minority students / candidates have benefitted from Naya Savera.
- Nai Udaan - Support is provided to minority candidates clearing Preliminary examination conducted by Union Public Service Commission (UPSC), State Public Service Commission (PSC), Staff Selection Commission (SSC) etc. So far financial support has been provided to around 9800 minority candidates.
- Nai Manzil – The Scheme “Nai Manzil” aims to benefit the minority youth (both men & women) belonging to six notified minority communities of 17-35 years of age, who do not have formal school leaving certificate, i.e., those in the category of school – dropouts or educated in community education institutions like Madrasas. 30% of the beneficiary seats are earmarked for girl/women candidates and 5% of the beneficiary seats for persons with disability belonging to the minority community under the scheme. The scheme provides a combination of formal education (Class VIII or X) and skills to enable beneficiaries seek better employment and livelihood. A total of 93485 beneficiaries have been trained so far under the scheme all over India.
29-Mar-2022: Scheme for Economic Empowerment of DNTs
A Scheme for Economic Empowerment of DNTs(SEED) has been formulated for livelihood support for the Denotified, Nomadic and Semi Nomadic communities. The interventions under this are:
- To facilitate youth of these communities to secure jobs through competitive examinations by providing coaching of good quality;
- To provide health insurance to DNT communities under PM-JAY;
- To promote secure livelihoods though economic activities and by organising them into self-help groups;
- To provide financial assistance for construction of houses to members of the DNT communities.
The Scheme will benefit 6250 students by providing free coaching, 4,44,500 families by providing health insurance, 2,000 clusters for livelihood initiative and 4,200 families by providing houses in next five years.
A portal has been developed for inviting application through online system for easy access to the beneficiaries under the Scheme. Utmost care has been taken to make this portal user friendly.
16-Feb-2022: Union Minister for Social Justice & Empowerment Dr. Virendra Kumar launches a Scheme for Economic Empowerment of DNTs (SEED)
Union Minister for Social Justice and Empowerment, Dr. Virendra Kumar launches the Scheme for Economic Empowerment of DNTs (SEED) today here at Dr. Ambedkar International Centre, New Delhi for the welfare of De-notified, Nomadic and Semi Nomadic Communities.
Speaking on the occasion, Dr. Virendra Kumar said that the DNTs, NTs, SNTs are the one of the most deprived and economically weaker communities in India. There are historical reasons for this. The misery of these communities began with the enactment of the Criminal Tribes Act, 1871 during the British rule. These communities were subjugated, persecuted and neglected. The policies of the colonial government affected lives and livelihood adversely. Little did the colonial state realize the plight of these communities after they were branded as criminals under various colonial acts. This led to the forcible alienation from their traditional occupations and habitations. They remained hunter gatherers and pastoral/peripatetic.
Even after the Independence; they have not benefitted much from the planned development of over seven decades. They were deprived of state support like the SCs/STs. Various efforts were undertaken for bringing these communities in the main stream. Accordingly, the first commission was set up in October 2003 during the first NDA Government to look into the problems of these communities. The Renke Commission was set up in 2008. Government was pained to see the miserable condition in which the members of these communities are living and to give impetus for planned development of these communities, the National Commission was constituted in 2015 under the chairmanship of Shri Bhiku Ramji Idate. This commission was tasked among others to identify and proper listing of these communities in different states, to evaluate the progress of development of these communities in the states so that a systematic approach can be developed for the development of these communities.
Based on the recommendation of this commission, the Government of India set up the Development and Welfare Board for DNTs, SNTs &NTs (DWBDNCs) in 2019.
The Government also decided to create an umbrella scheme for empowerment of these communities and accordingly, the Scheme for Economic Empowerment of DNTs, SNTs &NTs (SEED) has been formulated with four components that affect their livelihood.
The four component of the SEED scheme are:
- Educational empowerment- Free coaching to students from these communities for Civil Services, entry to professional courses like medicine, engineering, MBA, etc.
- Health Insurance through PMJAY of National Health Authority.
- Livelihoods to support income generation, and
- Housing (through PMAY/IAY)
The scheme will ensure expenditure of Rs.200 crore to be spent over five years beginning 2021-22. The DWBDNCs has been tasked with the implementation of this scheme.
One important feature of this scheme is the online portal which has been developed by the Department. This portal will ensure seamless registration and will also act as a repository of the data on these communities. The portal is very user friendly and easily accessible on mobile phone with its mobile application. It will provide real time status of the application to the applicant. The payment to the beneficiaries will be made directly in to their accounts.
“This government is committed for the upliftment of the last man standing and is determined to bring him into the mainstream of overall development,” said Dr. Virendra Kumar.
“This scheme is first small step towards the progress and development but not the last for these communities who have been subjected to neglect and apathy for many years,” the Union Minister added.
On this occasion, Minister for State for Social Justice and Empowerment Shri A. Narayanaswamy Said that the De-notified, Nomadic and Semi-Nomadic Tribes are the most neglected, marginalized and economically and socially deprived communities. That is why, it is extremely important to bring changes in the collective thinking about these communities.
This Government, under the guidance of our Prime Minister Shri Narendra Modi Ji, has taken the initiatives for proper rehabilitation of these communities and for identification of areas of intervention for their progress. Accordingly, a Welfare Board for De-notified, Nomadic and Semi-Nomadic Communities has been constituted.
He said that this Government is committed to ensure overall development of these communities in true sense following the mantra of our Prime Minister Shri Narendra Modi Ji - Sabka Saath, Sabka Vikas, Sabka Viswas, Sabka Prayaas.
Shri R. Subrahmanyam, Secretary, Shri Surendra Singh, Joint Secretary, Department of Social Justice & Empowerment and Shri Bhiku Ramji Idate, Chairman, Development and Welfare Board for De-notified, Nomadic Communities were also present on the occasion.
15-Feb-2022: Social Justice and Empowerment Ministry to launch a Scheme for Economic Empowerment of DNTs (SEED)
The Minister of Social Justice and Empowerment, Dr. Virendra Kumar will launch the Scheme for Economic Empowerment of DNTs (SEED) at 11:00 A.M. on Wednesday, the 16th February, 2022 at Dr. Ambedkar International Centre, New Delhi for the welfare of De-notified, Nomadic and Semi Nomadic Communities.
The De-notified, Nomadic and Semi-Nomadic Tribes are the most neglected, marginalized and economically and socially deprived communities. Most of them have been living a life of destitution for generations and still continue to do so with an uncertain and gloomy future. De-notified, Nomadic and Semi- nomadic Tribes somehow escaped the attention of our developmental framework and thus are deprived of the support unlike Scheduled Castes and Scheduled Tribes.
Historically, these communities never had access to private land or home ownership. These tribes used forests and grazing lands for their livelihood and residential use and had "strong ecological connections. Many of them are dependent upon various types of natural resources and carve out intricate ecological niches for their survival. The changes in ecology and environment seriously affect their livelihood options.
The Ministry of Social Justice & Empowerment took a decision in February, 2014 to constitute a National Commission for De-Notified, Nomadic and Semi Nomadic Tribes for a period of three years. This National Commission was constituted under the Chairmanship of Shri Bhiku Ramji Idate. This commission has given its report in December, 2017. In its report, the commission prepared draft lists of DNT/NT/SNT Communities. The details of the number of DNT/NT/SNT communities.
Based on the National Commission’s recommendations, the Ministry of Social Justice and Empowerment has constituted the Development and Welfare Board for De-notified, Nomadic and Semi-Nomadic Communities (DWBDNCs) in 2019. The Board has been mandated to formulate and implement welfare and development programmes for these communities. A Scheme for empowerment of DNT communities have been formulated for families having income from all sources of Rs.2.50 lakh or less per annum and not availing any such benefits from similar Scheme of Centre Government or the State Government. The Scheme will have following four components with an approximate cost of Rs 200 crore to be spent over a period of 5 years starting Financial Year 2021-22 to 2025-26.
To provide coaching of good quality for DNT/NT/SNT candidates to enable them to appear in competitive examinations.
A component of free Coaching for DNT Students has been envisioned for the educational empowerment of these communities. The objective of this component is to provide good coaching quality for DNT candidates to enable them to appear in competitive examinations/ admission to professional courses like medicine, engineering, MBA, etc for obtaining an appropriate job in Public/Private Sector. The selection of the candidates for each course will be based on system generated merit list through the portal. Approximately, 6250 students will be provided free coaching under this component in five years. The total funds spend in the five years will be Rs.50 crore.
To provide health insurance to DNT/NT/SNT Communities.
Members of DNT/NT/SNT communities are likely to have little or no access to medical facilities and other benefits available under the mainstream health policies. They are so poor that they cannot afford private medical care. The primary objective of the scheme is to provide financial assistance to National Health Authority (NHA) in association with State Health Agencies (SHAs) for undertaking providing a health insurance cover of Rs.5 lakhs per family per year to DNT, NT and SNT families as per norms of “Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. Approximately, 4,44,500 families will be covered under health insurance in five years. The total funds spend in the five years will be Rs.49 crore.
To facilitate livelihoods initiative at community level to build and strengthen small clusters of DNT/NT/SNT Communities institutions.
The decline of traditional occupations of DNT/NT/SNT communities has exacerbated their poverty. A focus to support livelihood generation for these communities is required. The primary objective of the scheme is to provide financial assistance to National Rural Livelihood Mission (NRLM)for undertaking institution building in association with State Rural Livelihoods Mission (SRLM) of state Governments/UTs at community level as a livelihood initiative to enhance productivity growth in key livelihood sectors for employment generation for DNT/NT/SNT communities through investments in institutional support, technical assistance. Approximately, 2,000 clusters will get benefit under this component in five years. The total funds spend in the five years will be Rs.49 crore.
To provide financial assistance for construction of houses to members of the DNT/NT/SNT Communities.
At present, a very large number of families belonging to the DNT/NT communities are without permanent shelters and dwellings. In view of their changing Socio-economic scenario, a large number of DNT communities are trying to settle themselves at one place or the other and take to alternative professions. It has been seen that DNTs are living in slum conditions all over the country both in urban and rural areas. They live either in the open, small and makeshift tents or in small hutments or improvised pucca or kachcha houses.
Considering the shortage of houses for DNTs, it has been proposed to earmark a separate outlay for PMAY to support specific importance in providing houses only for DNTs living in rural areas who have not taken benefits of the Pradhan Mantri Awas Yojana as SC, ST, OBC and are living below poverty line. The admissible support is Rs 1.20 lakhs in plains and 1.30 lakhs in hilly areas (per unit assistance).Approximately, 4,200 houses will be constructed under this component in five years. The total funds spend in the five years will be Rs.50 crore.
PORTAL: The Scheme will be implemented through a portal, developed by the Department of Social Justice & Empowerment. The portal consists of two modules. One module for registration of the applicant with details of his family, income, occupation, Aadhar and bank details, caste certificate, etc. Upon completing the registration, the applicant will be assigned a unique ID (UID) number, which will be his permanent registration number. With this UID, the applicant can apply of one or other components of the scheme, subject to his eligibility. The second part consists of the scheme component for which the applicant wants to seek benefit with his UID as Login id and his mobile as his password. The portal will create a permanent database and can be retrieved whenever the applicant desires to enroll for new component.
The funds will be transferred directly to the beneficiaries in their account. The other implementing agencies are Ministry of Rural Development, National Rural Livelihood Mission (NRLM) and National Health Authority (NHA).