Explanation
- A
providing housing loan to poor people at cheaper interest rates.
(a) providing housing loan to poor people at cheaper interest rates. That describes housing-credit schemes such as PMAY-linked bank loans or earlier IAY/RAY credit windows. Jan-Dhan is a bank-account and inclusion mission, not a housing-loan product, so it is not the key.
- B
promoting women's Self-Help Groups in backward areas
(b) promoting women's Self-Help Groups in backward areas. SHG promotion is the terrain of NRLM/DAY-NRLM and related livelihood missions. PMJDY may later link accounts to SHGs, but its launch mandate is not SHG promotion, so (b) is not the key.
- C
promoting financial inclusion in the country
(c) promoting financial inclusion in the country. Pradhan Mantri Jan-Dhan Yojana (August 2014) is the national mission for universal access to banking: a basic savings account, RuPay debit card, overdraft after due diligence, and accident insurance. The official object is to bring the unbanked into the formal system. That is the official key.
- D
providing financial help to the marginalized communities.
(d) providing financial help to the marginalized communities. Direct cash or welfare transfers sit in DBT, pensions and scholarships. Jan-Dhan creates the account rail; it is not itself a grant scheme for the marginalized, so (d) is not the key.
Summary. Official key is (c) promoting financial inclusion in the country. PMJDY was launched in 2014 as a Mission-mode drive for every household to hold a basic bank account with a RuPay card and in-built accident cover. Housing loans, SHG promotion and targeted grants are other schemes. The programme’s stated aim is inclusion of the unbanked, not a credit or subsidy product. Only (c) matches that mandate.
Same topic · past papers
UPSC has asked this before
These previous-year questions sit on the same topic. Open one to practise the earlier ask.
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2024 · Q99 · General Studies · 2 marks
With reference to the 'Pradhan Mantri Surakshit Matritva Abhiyan', consider the following statements : 1. This scheme guarantees a minimum package of antenatal care services to women in their second and third trimesters of pregnancy and six months post-delivery health care service in any government health facility. 2. Under this scheme, private sector health care providers of certain specialities can volunteer to provide services at nearby government health facilities. Which of the statements given above is/are correct ? -
2024 · Q100 · General Studies · 2 marks
With reference to the Pradhan Mantri Shram Yogi Maan-dhan (PM- SYM) Yojana, consider the following statements : 1. The entry age group for enrolment in the shceme is 21 to 40 years. 2. Age specific contribution shall be made by the beneficiary. 3. Each subscriber under the scheme shall receive a minimum pension of Rs. 3000 per month after attaining the age of 60 years. 4. Family pension is applicable to the spouse and unmarried daughters. Which of the statements given above is/are correct ?