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Type: Schemes

  • Start-up Ecosystem In India

    [pib] Credit Guarantee Scheme for Startups (CGSS)

    Schemes | Economics | Mains Paper 3: Effects Of Liberalization On The Economy, Changes In Industrial Policy and their effects on Industrial Growth

    Why in the News?

    The Department for Promotion of Industry and Internal Trade (DPIIT), under the Ministry of Commerce and Industry, has announced the expansion of the Credit Guarantee Scheme for Startups (CGSS).

    About Credit Guarantee Scheme for Startups (CGSS):

    • The CGSS was launched on October 6, 2022, as part of the Startup India Action Plan.
    • The scheme is designed to provide collateral-free credit to eligible startups through recognized financial institutions.
    • It offers credit guarantee cover for loans extended by Scheduled Commercial Banks, All India Financial Institutions (AIFIs), Non-Banking Financial Companies (NBFCs), and SEBI-registered Alternative Investment Funds (AIFs).
    • The guaranteed coverage is available in 2 formats:
      1. Transaction-based (for individual borrowers) and
      2. Umbrella-based (for Venture Debt Funds).
    • The scheme helps startups access funding through instruments such as working capital, term loans, and venture debt.
    • The DPIIT is responsible for the oversight and implementation of the scheme.
    • The scheme is operated by the National Credit Guarantee Trustee Company Limited (NCGTC).
    • A Management Committee (MC) and a Risk Evaluation Committee (REC) have been constituted to supervise and review the operations of the scheme.
    • It aligns with the objective of encouraging innovation, supporting early-stage entrepreneurship, and driving economic self-reliance.

    Key Changes in the Expanded CGSS:

    • Guarantee ceiling increased from ₹10 crore to ₹20 crore per borrower.
    • Guarantee cover enhanced to:
      • 85% for loans up to ₹10 crore.
      • 75% for loans exceeding ₹10 crore.
    • Annual Guarantee Fee (AGF) reduced from 2% to 1% p.a. for startups in 27 Champion Sectors.
    • The Champion Sectors are identified under the ‘Make in India’ initiative to strengthen domestic manufacturing and services.
    [UPSC 2023] Consider the following statements with reference to India:

    1. According to the ‘Micro, Small and Medium Enterprises Development (MSMED) Act, 2006’, the ‘medium enterprises’ are those with investments in plant and machinery between Rs. 15 crore and Rs. 25 crore.

    2. All bank loans to the Micro, Small and Medium Enterprises qualify under the priority sector.

    Which of the statements given above is/are correct?

    Options: (a) 1 only (b) 2 only* (c) Both 1 and 2 (d) Neither 1 nor 2

     

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  • Coal and Mining Sector

    [pib] Cabinet approves Revised SHAKTI Policy 

    Schemes | Economics | Mains Paper 3: Infrastructure: Energy, Ports, Roads, Airports, Railways Etc.

    Why in the News?

    The Cabinet Committee on Economic Affairs (CCEA) has approved a proposal under the Revised SHAKTI (Scheme to Harness and Allocate Koyla Transparently in India) Policy to enhance coal availability for Central/State Sector Thermal Power Plants and Independent Power Producers (IPPs).

    About the SHAKTI Policy:

    • The SHAKTI Policy, launched in 2017 by the Ministry of Power, created a transparent mechanism to allocate coal linkages to thermal power plants lacking Fuel Supply Agreements (FSAs).
    • It replaced the earlier nomination-based system with auction-based and tariff-based bidding, enhancing fairness and transparency.
    • While government-owned plants continue receiving coal through nominations, private power producers must obtain coal via competitive bidding.
    • The policy aimed to reduce coal imports, promote the domestic coal industry, and improve energy self-sufficiency.
    • It also intended to revive stressed assets in the power sector, indirectly supporting public sector banks and infrastructure growth.

    Key Features of the Revised SHAKTI Policy (2024):

    • The revised 2024 policy simplifies the system by merging eight criteria into just two windows, enhancing the ease of doing business.
    • Window-I allocates coal at notified prices to central and state government utilities, their joint ventures, and subsidiaries, including those with PPAs under Section 62 of the Electricity Act.
    • Window-II permits coal and imported coal-based producers to acquire coal through premium-based auctions for 12 to 25 years, without requiring a PPA.
    • The policy encourages pithead plants, supports new capacity planning, and allows Imported Coal-Based (ICB) plants to transition to domestic coal, reducing import reliance.
    • Existing FSA holders can now purchase coal beyond 100% of their Annual Contracted Quantity (ACQ) during periods of peak demand.
    • Unrequisitioned surplus electricity can be sold on power exchanges, boosting plant utilization.
    • The policy imposes no additional financial burden on coal companies.
    • Beneficiaries include thermal power plants, Coal India, SCCL, railways, state governments, and end consumers.
    [UPSC 2023] With reference to coal-based thermal power plants in India, consider the following statements:

    1. None of them uses seawater.

    2. None of them is set up in water-stressed district.

    3. None of them is privately owned.

    How many of the above statements are correct?

    Options: (a) Only one (b) Only two (c) All three (d) None*

     

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  • Road and Highway Safety – National Road Safety Policy, Good Samaritans, etc.

    Cashless Treatment Scheme for Road Accident Victims

    Schemes | Indian Society | Mains Paper 2: Government Scheme/Policies

    Why in the News?

    The Ministry of Road Transport and Highways (MoRTH) has officially notified the Cashless Treatment of Road Accident Victims Scheme, 2025, which came into force on May 5, 2025.

    In 2023, India reported over 4.80 lakh road accidents and 1.72 lakh fatalities, highlighting the urgent need for such a scheme.

    About the Cashless Treatment Scheme for Road Accident Victims, 2025:

    • The scheme provides financial coverage up to ₹1.5 lakh per person, per accident, for a maximum of seven days from the date of the accident.
    • All victims, including those without health insurance, are eligible for treatment under this scheme.
    • This initiative was introduced following a Supreme Court directive, urging action under Section 162(2) of the Motor Vehicles Act, 1988.
    • The scheme aims to deliver critical care during the “golden hour”, defined under Section 2(12A) as the first hour after a traumatic injury, when prompt treatment can save lives.

    Key Features of the Scheme:

    • Treatment must be provided immediately and is fully covered up to ₹1.5 lakh for up to 7 days from the accident.
    • Designated hospitals are required to treat victims without delay or demanding any upfront payment.
    • Non-designated hospitals may only offer initial stabilisation, as defined in the guidelines.
    • The State Road Safety Council serves as the nodal agency for implementation at the state level.
    • The Council will work with the National Health Authority (NHA) to onboard hospitals, monitor care, and ensure timely reimbursements.
    • Additional hospitals may be designated by State Health Agencies, beyond those already listed under Ayushman Bharat PM-JAY.
    • Hospitals must file payment claims via an online portal, attaching all required documentation.
    • The State Health Agency will process claims and may approve, partially approve, or reject them, with reasons provided.
    • A national steering committee, chaired by the MoRTH Secretary and NHA CEO, will oversee the scheme’s implementation and compliance.
    [UPSC 2023] Consider the following actions:

    1. Detection of car crash/collision which results in the deployment of airbags almost instantaneously

    2. Detection of accidental free fall of a laptop towards the ground which results in the immediate turning off of the hard drive.

    3. Detection of the tilt of the smart phone which results in the rotation of display between portrait and landscape mode.

    In how many of the above actions is the function of accelerometer required?

    Options: (a) Only one (b) Only two (c) All three* (d) None

     

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  • Land Reforms

    India to showcase SVAMITVA Scheme at World Bank Land Conference

    Schemes | Governance | Mains Paper 2: E-Governance

    Why in the News?

    India’s SVAMITVA Scheme will be showcased at the World Bank Land Conference, highlighting its role in land governance reform, climate action, and rural empowerment.

    About SVAMITVA (Survey of Villages and Mapping with Improvised Technology in Village Areas):

    • Launched on 24th April 2020 by the Ministry of Panchayati Raj, the SVAMITVA Scheme aims to provide legal ownership of residential properties in rural areas using drone and geospatial technology.
    • It is a Central Sector Scheme, fully funded by the Centre.
    • It involves the Ministry of Panchayati Raj, Revenue Departments at the state level, and the Survey of India as the technical partner.
    • The scheme issues property cards to rural households, reducing land disputes and enhancing financial inclusion.
    • These cards serve as legally valid ownership documents (e.g., Gharauni in Uttar Pradesh, Adhikar Abhilekh in Madhya Pradesh), and the scheme aims to formalize property rights in rural India.

    Key Features:

    • Drone-based technology ensures high-resolution mapping of village areas for transparency and accuracy.
    • Uses Continuous Operating Reference System (CORS) to achieve mapping precision up to 5 cm.
    • The Gram Manchitra platform helps in village-level development planning, disaster risk mitigation, and infrastructure management.
    • Aims to unlock land value estimated at USD 1.162 trillion, formalizing property ownership and enabling its use as a financial asset.
    • Promotes collaboration between central and state governments and aims to reduce litigation and improve rural governance.
    [UPSC 2024] With reference to the Digital India Land Records Modernisation Programme, consider the following statements:

    1. To implement the scheme, the Central Government provides 100% funding.

    2. Under the Scheme, Cadastral Maps are digitised.

    3. An initiative has been undertaken to transliterate the Records of Rights from local language to any of the languages recognized by the Constitution of India.

    Which of the statements given above are correct?

    Options: (a) 1 and 2 only (b) 2 and 3 only (c) 1 and 3 only (d) 1, 2 and 3*

     

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  • Organic Farming – Paramparagat Krishi Vikas Yojna (PKVY), NPOF etc.

    Bio-Input Resource Centres (BRCs) to Promote Natural Farming

    Schemes | Agriculture | Mains Paper 3: Agriculture and related issues

    Why in the News?

    The Union Ministry of Agriculture and Farmers’ Welfare has come up with the guidelines for setting up of bio-input resource centres (BRC) under the National Mission on Natural Farming (NMNF).

    What are Bio-Input Resource Centres (BRCs)?

    • BRCs are part of the National Mission on Natural Farming (NMNF), aimed at promoting chemical-free and sustainable agriculture.
    • BRCs will produce, store, and supply bio-inputs like Jeevamrit, Beejamrit, and Neemastra using local livestock by-products and plant-based materials.
    • Key Functions:
      1. Local Production: Ensures availability of bio-fertilizers and bio-pesticides, reducing dependency on synthetic inputs.
      2. Training: Provides training on bio-input preparation and natural farming techniques.
      3. Entrepreneurship: Promotes local entrepreneurship, empowering self-help groups (SHGs) and farmers.
      4. Affordability: Aims to make sustainable farming practices accessible to small and marginal farmers.
    • Financial support of Rs 1 lakh per BRC are provided in two tranches of Rs 50,000, though experts raise concerns about its adequacy for infrastructure.

    Back2Basics: National Mission on Natural Farming (NMNF):

    • NMNF is a Centrally Sponsored Scheme was launched on November 2024 under the Ministry of Agriculture & Farmers’ Welfare, promoting chemical-free farming.
    • Objectives:
      • Focus on eco-friendly practices and organic methods.
      • Reduce input costs by minimizing chemical usage.
      • Restore soil health, promote biodiversity, and improve climate resilience.
    • Implementation Strategy:
      • Establish 15,000 clusters across Gram Panchayats.
      • Train 1 crore farmers and implement practices on 7.5 lakh hectares.
      • Establish 10,000 BRCs for bio-input accessibility.
      • Deploy 30,000 Krishi Sakhis for mobilization.
    • Financial Outlay: ₹2,481 crore until 2025-26.
    [UPSC 2021] How is permaculture farming different from conventional chemical farming?

    1.Permaculture farming discourages monocultural practices, but in conventional chemical farming, monoculture practices are predominant. 2.Conventional chemical farming can cause an increase in soil salinity, but this phenomenon is not observed in permaculture farming. 3.Conventional chemical farming is easily possible in semi-arid regions, but permaculture farming is not so easily possible in such regions. 4.The practice of mulching is very important in permaculture farming but not necessarily so in conventional chemical farming.

    Select the correct answer using the code given below:

    Options: (a) 1 and 3  (b) 1, 2, and 4* (c) 4 only (d) 2 and 3

     

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  • Poverty Eradication – Definition, Debates, etc.

    Support for Marginalised Individuals for Livelihood and Enterprise (SMILE) Scheme

    Schemes | Social Justice | Mains Paper 2: Government Scheme/Policies

    Why in the News?

    Under the SMILE scheme, the Union Social Justice Ministry has identified only 9,958 beggars across 81 cities, compared to 3.72 lakh recorded in the 2011 Census.

    About the SMILE Scheme:  

    • The Ministry of Social Justice and Empowerment launched the SMILE scheme in 2022.
    • It is a Central Sector Scheme to rehabilitate individuals engaged in begging and empower transgender persons.
    • It focuses on rehabilitation, livelihood opportunities, skill development, and social empowerment for marginalized individuals.
    • It combines previous programs targeting beggars and transgender persons, providing a more cohesive approach to their empowerment.
    • Key Components:
      • Shelter Homes: Utilizes existing shelter homes managed by state/UT governments; new homes will be established where necessary.
      • Livelihood Support: Provides education, documentation, skill development, and economic linkages to help individuals become self-sufficient.
      • Target Beneficiaries: Around 60,000 marginalized individuals.
    • Implementation:
      • Pilot project has been launched in 30 cities (Phase 1) and extended to 50 more cities (Phase 2).
      • A local survey identifies individuals engaged in begging, aiming to rehabilitate 25 individuals per survey.
      • ₹100 crore has been allocated for FY 2023-24 to 2025-26, with ₹14.71 crore spent by December 2024 on identification and rehabilitation.

    Issues in Implementation:

    • Inadequate Shelter Infrastructure: Some regions face a lack of facilities for rehabilitation.
    • Resistance to Rehabilitation: Some individuals resist rehabilitation due to socio-economic factors or distrust in government schemes.
    • Funding and Resource Constraints: Ongoing financial investment is required for sustainability.
    • Sustainability of Rehabilitation: Long-term support is essential for successful reintegration into society.
    [UPSC 2016] ‘Rashtriya Garima Abhiyaan’ is a national campaign to-

    (a) rehabilitate the homeless and destitute persons and provide them with suitable sources of livelihood*

    (b) abolish the Child Labour

    (c) salvage the marshy lands and wetlands in the coastal areas and cultivate crops in them

    (d) rehabilitate the manual scavengers and provide them with suitable sources of livelihood

     

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  • Air Pollution

    Particulate Matter Emission Trading Scheme in Gujarat

    Schemes | Enviro & Biodiversity | Mains Paper 3: Conservation, Environmental Pollution & Degradation, Eia

    Why in the News?

    A new study highlights the success of Surat’s Particulate Matter Emission Trading Scheme (PM-ETS), the world’s first market-based system for trading particulate emissions.

    The scheme has reduced pollution by 20-30%, providing insights into its potential to improve air quality in industrial areas.

    About Particulate Matter Emission Trading Scheme in Gujarat:

    • This PM ETS was launched in Surat, Gujarat in 2019.
    • It is the world’s first pilot project targeting particulate pollution using a market-based emissions trading system.
    • It is India’s first emissions trading initiative for any pollutant.
    • The scheme aims to reduce emissions from industries using solid (coal, lignite) and liquid fuels (diesel) by controlling fine particulate matter (PM).
    • How It Works?
      • Cap-and-Trade: Regulators set a cap on total emissions, and industries are issued permits (1 kg of particulate matter per permit).
      • Permit Allocation: 80% of permits are given for free; 20% are sold via auctions.
      • Market Trading: Permits can be bought or sold to meet emission targets. A ceiling price (Rs 100/kg) and floor price (Rs 5/kg) are set.
      • Compliance: Non-compliant industries face fines double the ceiling price for each excess emission.

    Successes of PM-ETS:

    • Reduction in Emissions: Participating plants cut emissions by 20-30% compared to traditional methods.
    • Improved Compliance: 99% compliance in participating plants.
    • Cost-Effective: The system allowed industries to choose the most cost-effective methods for compliance.

    Limitations of PM-ETS:

    • Over-reliance on Free Permits: Smaller plants may struggle as the number of free permits decreases.
    • Supply Chain Limitations: Tightened caps could increase costs for industries not reducing emissions.
    • Market Manipulation: Concerns over unfair permit trading.
    • Geographical Constraints: Limited to Surat, restricting broader impact.
    [UPSC 2011] Regarding “carbon credits’’, which one of the following statements is not correct?

    (a) The carbon credit system was ratified in conjunction with the Kyoto protocol.

    (b) Carbon credits are awarded to countries or groups that have reduced greenhouse gases below their emission quota.

    (c) The goal of the carbon credit system is to limit the increase of carbon dioxide emission.

    (d) Carbon credits are traded at a price fixed from time to time by the United Nations environment programs. *

     

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  • Higher Education – RUSA, NIRF, HEFA, etc.

    PM-Vidyalaxmi Scheme

    Schemes | Indian Society | Mains Paper 2: Health & Education

    Why in the News?

    The PM Vidyalaxmi scheme, aimed at supporting meritorious students, is facing slow uptake due to technical issues, including login failures and frequent auto logouts

    About the PM Vidyalaxmi Scheme:

    Details
    Objective A Central Sector Scheme to provide financial assistance to meritorious students pursuing higher education in quality institutions.
    Eligible Students Students gaining admission to the top 860 Quality Higher Education Institutions (QHEIs), including government and private institutions.
    Annual Family Income Criteria Up to ₹8 lakh for students who do not qualify for other government scholarships or interest subsidies.
    Eligibility Based on NIRF Rankings • Top 100 institutions in overall, category-specific, and domain-specific NIRF lists.
    • State government-run institutions ranked 101-200.
    • All Central government-governed institutions.
    Loan Amounts • Loans up to ₹7.5 lakh with a 75% credit guarantee.
    • For loans up to ₹10 lakh, 3% interest subvention during the moratorium period.
    Target Beneficiaries Approximately 1 lakh students each year, with preference for students in technical or professional courses from government institutions.
    Financial Outlay ₹3,600 crore for the period from 2024-25 to 2030-31.
    Expected Impact Benefit for 7 lakh new students through interest subvention during the scheme’s duration.
    Application Process Applications can be submitted via the PM-Vidyalaxmi portal for loans and interest benefits.
    Payment Processing Interest support payments through e-vouchers and Central Bank Digital Currency (CBDC) wallets.

     

    [UPSC 2017] What is the purpose of Vidyanjali Yojana’?

    1. To enable the famous foreign campuses in India.

    2. To increase the quality of education provided in government schools by taking help from the private sector and the community.

    3. To encourage voluntary monetary contributions from private individuals and organizations so as to improve the infrastructure facilities for primary and secondary schools.

    Select the correct answer using the code given below:

    (a) 2 only* (b) 3 only (c) 1 and 2 only (d) 2 and 3 only

     

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  • Hunger and Nutrition Issues – GHI, GNI, etc.

    PM-POSHAN Scheme

    Schemes | Governance | Mains Paper 2: Government Scheme/Policies

    Why in the News?

    The material cost for the PM-POSHAN (Pradhan Mantri Poshan Shakti Nirman) Scheme has been increased by 9.5%, resulting in an additional cost of ₹954 crore to be incurred by the Centre in the 2025-26 financial year.

    About PM-POSHAN Scheme:

    • The PM-POSHAN Scheme, formerly known as the Mid-Day Meal Scheme, is a centrally sponsored initiative aimed at providing a hot, cooked meal to children studying in government and government-aided schools across India.
    • Launched under the Ministry of Education, it focuses on improving children’s nutritional status, school participation, retention, and attendance.
    • The scheme complements POSHAN Abhiyan and Mission POSHAN 2.0 to improve nutrition among children and mothers.

    Key Features:

    • Target Group: It serves 11.20 crore children in Balvatikas (pre-primary classes) and Classes 1-8 in 10.36 lakh schools. Special focus is placed on disadvantaged children from low-income backgrounds.
    • Nutritional Goals: The scheme provides balanced meals to meet children’s nutritional needs.
      1. Primary Students: 20g pulses, 50g vegetables, 5g oil.
      2. Upper Primary Students: 30g pulses, 75g vegetables, 7.5g oil.
    • Model: The Centre provides 100% funding for food grains through the Food Corporation of India (FCI), while States contribute to meal implementation.
    • Funding Pattern:
      • 60:40 between Centre and States/UTs with the legislature.
      • 90:10 for Northeastern and Himalayan States.
      • 100% central funding for UTs without legislature.
    • 26 lakh metric tonnes of food grains are provided annually, with transportation costs covered by the Centre.
    • It also has a component to promote the development of School Nutrition Gardens in schools
    • Social Audit of the scheme is made mandatory in all the districts.
    [UPSC 2014] Which of the following can be said to be essentially the parts of Inclusive Governance?

    1 Permitting the Non-Banking Financial Companies to do banking

    2 Establishing effective District Planning Committees in all the districts

    3 Increasing the government spending on public health

    4 Strengthening the Mid-Day Meal Scheme

    Select the correct answers using the codes given below:

    (a) 1 and 2 only (b) 3 and 4 only (c) 2, 3 and 4 only (d) 1, 2, 3 and 4

     

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  • Electronic System Design and Manufacturing Sector – M-SIPS, National Policy on Electronics, etc.

    [pib] Electronics Components Manufacturing Scheme

    Schemes | Economics | Mains Paper 3: Effects Of Liberalization On The Economy, Changes In Industrial Policy and their effects on Industrial Growth

    Why in the News?

    The Ministry of Electronics and Information Technology (MeitY) has notified the Electronics Components Manufacturing Scheme to expand the manufacturing capabilities of passive electronic components in India.

    About Electronics Components Manufacturing Scheme:

    • The scheme is designed to promote the manufacturing of select electronic components in India, such as resistors, capacitors, relays, switches, sensors, and connectors.
    • It focuses particularly on passive electronic components, while active components like semiconductors fall under the India Semiconductor Mission (ISM).
    • The scheme has a tenure of 6 years, with a 1-year gestation period.
    • The scheme offers 3 types of incentives:
      1. Turnover-linked incentive: Based on revenue.
      2. Capex-linked incentive: For investments in plants and machinery.
      3. Hybrid incentive model: A combination of both turnover and capex incentives.

    Achievements and Growth in the Electronics Sector:

    • Domestic Production Growth: India’s electronics production has grown from ₹1.90 lakh crore in FY 2014-15 to ₹9.52 lakh crore in FY 2023-24, at a compound annual growth rate (CAGR) of over 17%.
    • Export Growth: Electronics exports have increased from ₹0.38 lakh crore in FY 2014-15 to ₹2.41 lakh crore in FY 2023-24, reflecting a CAGR of over 20%. India is now the second-largest mobile phone producer globally.
    • Future Projections: By 2026, India’s electronics production is projected to reach USD 300 billion.

    Government Initiatives for Electronics Growth:

    • Make in India (2014): Aimed at boosting India’s manufacturing sector and transforming it into a global hub for design and manufacturing.
    • Phased Manufacturing Programme (2017): Focused on increasing domestic value addition in mobile phones and their parts.
    • Production Linked Incentive (PLI) Scheme (2020): Aimed at boosting domestic manufacturing in mobile phones, electronic components, and semiconductor packaging, offering 3-6% incentives on incremental sales.
    • Semicon India Program (2021): With a financial outlay of ₹76,000 crore, this scheme promotes the domestic semiconductor industry.
    • Scheme for Promotion of Manufacturing of Electronic Components and Semiconductors (SPECS) (2021): Provides a 25% financial incentive for capital expenditure in electronic goods manufacturing.
    • Increased Budget for 2025-26: The allocation for electronics manufacturing has been raised from ₹5,747 crore in FY 2024-25 to ₹8,885 crore in FY 2025-26.
    [UPSC 2016] Recently, India’s first ‘National Investment and Manufacturing Zone’ was proposed to be set up in:

    (a) Andhra Pradesh (b) Gujarat (c) Maharashtra (d) Uttar Pradesh

     

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