Sukanya Samriddhi Account or Sukanya Samriddhi Yojana or Sukanya Samriddhi Scheme (SSAY )

The Sukanya Samriddhi Account Yojana, also known as Girl child prosperity scheme is launched by Prime Minister Narendra Modi. Sukanya Samriddhi account is to ensure a bright future for girl children in India. This yojana is to facilitate them proper education and carefree marriage expenses. The scheme has well been accepted by the masses in wake of the financial security and independence it would provide to the girl child as well as their parents and guardians.
Sukanya Samriddhi Account Yojana offers a small deposit investment for the girl children as an initiative under ‘Beti Bachao Beti Padhao’ campaign. One of the key benefits of the scheme is that it is quite affordable and offers one of the highest rates of interest. Currently it is set as 9.2% per year for Fy 2015-16 and also SSAY is under the Income tax Act 1961, section 80C.

Sukanya Samriddhi Accounts

• Rate of interest 9.2% Per Annum(w.e.f 1-4-2015),calculated on yearly basis ,Yearly compounded.
• Minimum INR. 1000/-and Maximum INR. 1,50,000/- in a financial year. Subsequent deposit in multiple of INR 100/- Deposits can be made in lump-sum No limit on number of deposits either in a month or in a Financial year
• A legal Guardian/Natural Guardian can open account in the name of Girl Child.
• A guardian can open only one account in the name of one girl child and maximum two accounts in the name of two different Girl children.
• Account can be opened up to age of 10 years only from the date of birth. For initial operations of Scheme, one year grace has been given. With the grace, Girl child who is born between 2.12.2003 &1.12.2004 can open account up to1.12.2015.
• If minimum Rs 1000/- is not deposited in a financial year, account will become discontinued and can be revived with a penalty of Rs 50/- per year with minimum amount required for deposit for that year.

What is Digital India?

• Digital India is a Programme to prepare India for a knowledge future.
• The focus is on being transformative – to realize IT + IT = IT
• The focus is on making technology central to enabling change.
• It is an Umbrella Programme – covering many departments.
  • It weaves together a large number of ideas and thoughts into a single, comprehensive vision so that each of them is seen as part of a larger goal.
  • Each individual element stands on its own. But is also part of the larger picture.
  • It is coordinated by DeitY, implemented by the entire government.
  • The weaving together makes the Mission transformative in totality
• The Programme:
  • Pulls together many existing schemes.
  • These schemes will be restructured and re-focused.
  • They will be implemented in a synchronized manner.
  • Many elements are only process improvements with minimal cost.
• The common branding of programmes as Digital India highlights their transformative impact.

Vision of Digital India

Centered on 3 Key Areas

• Digital Infrastructure as a Utility to Every Citizen
• Governance & Services on Demand
• Digital Empowerment of Citizens

Jawahar Gram Samriddhi Yojna

Jawahar Gram Samridhi Yojna (JGSY) is the restructured, streamlined and comprehensive version of the erstwhile Jawahar Rozagar Yojana. Designed to improve the quality of life of the poor, JGSY has been launched on 1st April, 1999. The primary objective of the JGSY is the creation of demand driven community village infrastructure including durable assets at the village level and assets to enable the rural poor to increase the opportunities for sustained employment. The secondary objective is the generation of supplementary employment for the unemployed poor in the rural areas. The wage employment under the programme shall be given to Below Poverty Line(BPL) families.

SCHEME: Indira Aawas Yojna

IAY is the flagship rural housing scheme which is being implemented by the Government of India with an aim of providing shelter to the poor below poverty line. The Government of India has decided that allocation of funds under IAY (Indira Awas Yojna)will be on the basis of poverty ratio and housing shortage.
 Objective:
The objective of IAY is primarily to help construction of new dwelling units as well as conversion of unserviceable kutcha houses into pucca/semi-pucca by members of SC/STs, freed bonded labourers and also non-SC/ST rural poor below the poverty line by extending them grant-in-aid.

SCHEME: Swarnajayanti Gram Swarojgar Yojna

This programme was launched in April, 1999. This is a holistic programme covering all aspects of self employment such as organisation of the poor into self help groups, training, credit, technology, infrastructure and marketing. Objective:The objective of SGSY is to provide sustainable income to the rural poor. The programme aims at establishing a large number of micro-enterprises in the rural areas, based upon the potential of the rural poor. It is envisaged that every family assisted under SGSY will be brought above the poverty-line with in a period of three years. Scope: This programme covers families below poverty line in rural areas of the country.