Government Schemes [India & States] Current Affairs MCQs

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Bad loans in Kisan Credit Card (KCC) accounts have risen by 42% in scheduled commercial banks, excluding RRBs. KCC was introduced in 1998 to provide farmers easy access to credit for buying seeds, fertilizers, and other inputs. Extended in 2004 to cover investment credit for allied and non-farm activities. In 2018-19, KCC was extended to fisheries and animal husbandry farmers for working capital needs. It was implemented by Scheduled Commercial Banks, RRBs, Small Finance Banks, and Cooperatives.

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The Delhi government will sign an MoU with the Ministry of Health and Family Welfare to implement the Pradhan Mantri Ayushman Bharat Health Infrastructure Mission (PM-ABHIM). PM-ABHIM is a Centrally Sponsored Scheme with some Central Sector Components. It has a total outlay of ₹64,180 crore for 2021-22 to 2025-26. The scheme aims to integrate and strengthen health services and public health action. It focuses on improving primary, secondary, and tertiary healthcare. It prepares health systems to respond effectively to pandemics and disasters.

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Pradhan Mantri Virasat Ka Samvardhan (PM VIKAS) is a Central Sector Scheme under the Ministry of Minority Affairs. It merges five schemes: Seekho Aur Kamao, Nai Manzil, Nai Roshni, USTTAD, and Hamari Dharohar. It focuses on uplifting six notified minority communities through skilling, women leadership, education, and infrastructure development. Credit linkages are provided through the National Minorities Development & Finance Corporation (NMDFC). Export Promotion Council for Handicrafts (EPCH) supports artisans in marketing, branding, and training.

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Pradhan Mantri Mudra Yojana (PMMY) marked its 10th anniversary in April 2025, celebrating its role in promoting small businesses and financial inclusion. PMMY, launched in 2015 by the Government of India, aims to provide affordable credit to micro and small enterprises. It helps integrate underserved entrepreneurs into the formal financial system through easy access to credit. Loans up to ₹10 lakh are given for non-farm income-generating activities like manufacturing, trading, services, and processing. Loan categories include Shishu (up to ₹50,000), Kishore (₹50,000–₹5 lakh), and Tarun (₹5–10 lakh) based on business stage. No direct subsidy is given, but loans under government-linked schemes with capital support can benefit from PMMY.

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The Union Cabinet chaired by Prime Minister Narendra Modi approved the Modernization of Command Area Development and Water Management (M-CADWM) as a sub-scheme of Pradhan Mantri Krishi Sinchayee Yojana (PMKSY) for 2025–2026 with ₹1600 crore outlay. The scheme aims to modernize irrigation water supply from canals or other sources to farm gates using underground pressurized piped systems for up to 1 hectare. It will use technologies like Supervisory Control and Data Acquisition (SCADA) and Internet of Things (IoT) for water management and improve Water Use Efficiency (WUE). It will boost farm productivity and income. Irrigation Management Transfer (IMT) to Water User Societies (WUS) will ensure sustainability. These societies will be supported and linked to Farmer Producer Organizations (FPOs) or Primary Agricultural Credit Societies (PACS) for five years. The scheme aims to attract youth to modern irrigation methods.

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The Madhya Pradesh Chief Minister announced that funds under the Ladli Behna Yojana will now be transferred from Mandla district and disbursed regularly around the 15th of each month. Ladli Behna Yojana is a scheme launched by the Madhya Pradesh Government on 28th January 2023. The main aim of this scheme is to economically empower the women of Madhya Pradesh. So far, ₹1553 crore has been transferred directly to the bank accounts of 1.27 crore women beneficiaries. With the amount increased to ₹3000 per month, more women will benefit and improve their financial condition.

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The Rajasthan government has launched the One Time Settlement Scheme (OTS) to provide relief to farmers and small entrepreneurs while strengthening the financial position of land development banks. Announced in the 2025-26 budget, the first phase of the scheme will run from May 1 to September 30, 2025. The scheme applies to loans disbursed by the Rajasthan Minorities Finance and Development Cooperative Corporation Limited (RMFDCC), overdue by March 31, 2024.

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The Uttar Pradesh government launched the Resham Sakhi Yojana to economically empower rural women. The scheme allows women to earn income through sericulture by rearing silkworms at home. It is being implemented jointly by the State Rural Livelihood Mission and the Silk Department. Women will receive training in silkworm rearing to produce mulberry silk and tussar silk. Training for mulberry silk will be conducted in Mysore, Karnataka, and for tussar silk in Ranchi, Jharkhand. The scheme aims to benefit 50,000 women in 5 years. In the first phase, 7,500 women from 15 districts will be trained by 2025-26.

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Madhya Pradesh government has announced that farmers who burn crop residue, also known as narwai, will be denied benefits under the Chief Minister Kisan Kalyan Yojana. They will also not be allowed to sell their crops at the Minimum Support Price (MSP) in the following year. The Mukhyamantri Kisan Kalyan Yojana was launched by the Madhya Pradesh government. This scheme aims to financially assist farmers in the state, particularly those with limited economic resources, to improve their farming capabilities and increase their income.

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The Ministry of Social Justice and Empowerment (MoSJE) and the United Nations Development Programme (UNDP) are now working together under the wastepickers component of the National Action for Mechanised Sanitation Ecosystem (NAMASTE) Scheme. UNDP is providing financial support to State Project Management Units (PMUs) to strengthen the scheme’s implementation. The NAMASTE Scheme was jointly launched by Ministry of Social Justice and Empowerment (MoSJE) and the Ministry of Housing and Urban Affairs (MoHUA) in 2023 to protect the safety and dignity of sanitation workers. Its wastepicker component was launched in 2024 with the goal to digitally profile and register 2.5 lakh wastepickers across India. It also provides health insurance under Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana (PMJAY), and offers skill development training.