PM Vishwakarma Yojana: The central and state governments in the country run many schemes to make people economically strong. One of these is the Pradhan Mantri Vishwakarma Kaushal Samman Yojana, which was started by the Central Government in the year 2023. The objective of this scheme is to provide new identity, new skills and financial support to the people involved in traditional occupations.

Today, a large number of artisans and workers are joining this scheme and taking advantage of training, tools and cheap loans. If you also want to start your own small business or want to take your old work forward, then this scheme can be helpful for you. The special thing is that the government provides loan facility up to Rs 3 lakh, that too at a low interest rate.

What are the benefits available in the scheme?

PM Vishwakarma Yojana is not limited to loans only. In this, first of all the beneficiaries are given advanced training related to their work, so that both their skills and quality can improve. During the training, a daily stipend of Rs 500 is also given by the government. So that there is no problem of income while learning.

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Apart from this, toolkit assistance of up to Rs 15,000 is also available for purchasing necessary tools. Talking about loan, in the first phase a loan up to Rs 1 lakh is available, which has to be repaid in 18 months. If you make timely payment, you can get an additional loan of up to Rs 2 lakh in the second phase for 30 months. In this way, total assistance is available up to Rs 3 lakh.

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Who gets loan up to Rs 3 lakh?

Under PM Vishwakarma Yojana, loans are available only to those people who are associated with traditional professions and want to start or expand their own business. 18 types of trades have been included in this scheme. These include fishing net makers, hammer and toolkit makers, locksmiths, masons, basket, mat and broom makers, doll and toy makers, barbers, gunsmiths, stone carvers, sculptors, cobblers and shoe makers, stone breakers, washermen, tailors, blacksmiths, boat makers and silversmiths. The loan available under this scheme is given at about 5 percent interest rate. If you are associated with any of these professions and fulfill the required eligibility, then you can apply for this scheme.

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The Government of India now wants that Made in India should not remain just a slogan, but should become a ground reality. Before Union Budget 2026, the government will spend approximately Rs. Working on incentive packages worth Rs 23,000 crore. The objective of these schemes is to increase manufacturing in the country and reduce dependence on imports. The biggest package is being prepared for the construction equipment sector, so that heavy machines like tunnel boring machines and cranes can be made in India. There will be emphasis on local production of advanced components, safety systems and sensors for the auto sector. This can provide huge benefits to domestic companies, exports and the overall economy.

Road Accident Treatment Scheme: Every year about 5 lakh road accidents occur in the country and about 1.8 lakh people lose their lives. A large number of deaths also occur because the injured do not get timely treatment. The biggest problem after the accident is money. Hospitals ask for the amount before starting the treatment. Many times no one is with you and even if someone is there.

So it becomes difficult to raise so much money immediately. To solve this big problem, the central government is going to bring a new cashless treatment scheme. According to Union Road Transport Minister Nitin Gadkari, Prime Minister Narendra Modi will soon launch this scheme across the country. So that people injured in road accidents can get treatment without delay.

On what kind of accidents will this scheme be applicable?

This scheme will be applicable to all types of road accidents occurring due to the use of motor vehicles. That means, be it a highway, a city road or a village road, if a vehicle-related accident occurs at any place, the victim will be entitled to cashless treatment under this scheme. It will not be seen what type of accident it was or which vehicle it was. As soon as an accident happens.

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The injured can be admitted to the designated hospital and there will be no need to pay money for treatment. Its biggest advantage will be that ambulance, police or common people will be able to immediately take the injured to the hospital without any fear. Getting timely treatment will significantly increase the chances of survival in serious cases. The clear objective of the government is that treatment should not stop due to money.

How much cashless treatment will be available?

The Road Transport Ministry started the pilot project of this scheme from Chandigarh on March 14, 2024, which was later extended to six states. Under the Cashless Treatment of Road Accident Victims Scheme, 2025, each victim will get cashless treatment of up to Rs 1.5 lakh per accident for a maximum of seven days from the date of the accident.

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So many people have been benefited

According to the data given in the Lok Sabha, till now requests for treatment have come in 6833 cases, out of which 5480 victims were found eligible. So far, more than Rs 73.88 lakh has been spent on treatment from the Motor Vehicle Accident Fund. The government believes that after being implemented across the country, this scheme will help in saving thousands of lives.

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Pradhan Mantri Kisan Samman Nidhi Yojana is a big help for crores of farmers of the country. Under this scheme, the government provides financial assistance to farmers every year. Now farmers are waiting for the 22nd installment, but many farmers could not get the previous installments. The reason for this is that some important rules are not fulfilled. If the farmers complete the necessary work on time, then the next installment can be received without any hindrance.

Under the Prime Minister Kisan Samman Nidhi Yojana, eligible farmers are given assistance of six thousand rupees every year. This amount is sent directly to the bank accounts of the farmers in three equal installments. Till now the government has released twenty one installments. Now everyone’s eyes are fixed on the 22nd installment. The aim of the government is that the benefits of this scheme should reach all the farmers.

reason for not getting money

It has been seen many times that money does not reach the accounts of some farmers. The biggest reason for this is non-completion of eKYC. The installments of those farmers who have not yet done eKYC are stopped. Apart from this, not linking the bank account with Aadhaar is also a big reason. Payment may also get stuck due to wrong account number or closed bank account.

What should be done?

If farmers want to get the 22nd installment on time, they will have to do some important work. First of all you have to complete your eKYC. After this it is important to check whether the bank account is linked to Aadhaar or not. Farmers can also get their information corrected like name, date of birth and account details. All this work can be done through online portal or nearest CSC centre. For more information, beneficiaries should keep their mobile number updated on the portal. Pay attention to message alerts. In case of any problem, contact the helpline or agriculture office. By making timely corrections, payment delays can be avoided and profits are assured. Also transparency is maintained.

The date of the 22nd installment has not been officially announced by the government yet, but it is expected that the installment can be released at the beginning of the new year, around February. The money will be directly transferred to the accounts of those farmers who have already completed all the necessary procedures. Those farmers who have been negligent are still being given a chance.

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Viksit Bharat Ji Ram Ji Scheme: The government is preparing to make major changes in the rural employment system. There are going to be important changes in the name and structure of MNREGA, the country’s largest rural employment scheme. The central government is working on bringing a new rural employment law to replace the existing Mahatma Gandhi National Rural Employment Guarantee Act. The government says that this change will happen under the vision of Developed India 2047.

In this, only the name of the scheme will not change. In fact, changes may also be seen in the number of days of employment, method of payment after work and funding pattern. This is the reason why this question is being discussed among lakhs of families living in villages, what will be new and different for them in the new scheme coming in place of MNREGA. Know the complete details.

There will be change in working days along with name.

The government is going to bring a new law. It has been named Viksit Bharat Guarantee for Rozgar and Ajeevika Mission Gramin Bill 2025. This is being called VB G RAM G Bill in short. After the bill is passed, it will replace the existing MNREGA law. Earlier there was talk of naming it Pujya Bapu Rural Employment Scheme.

But now developed India is being described as Ram ji. According to sources, in the new scheme, it is being considered to increase the days of guaranteed employment to rural families from 100 to 125 days. The government says that this will increase rural income and will also strengthen the availability of work. Its purpose is not just to pay wages. Rather, people have to be given more employment opportunities.

There may also be changes in payment and funding system

In the new scheme, it has also been said that the payment system will be made easier and faster. In MNREGA where wages were paid within 15 days. In the new bill, it has been said to have a weekly payment system. Under this, it will be necessary to pay wages every week or within a maximum of 15 days after completion of the work. If work is not received within 15 days. So there will also be a provision to give unemployment allowance.

There may also be a major change in the funding system. Earlier the entire expenditure of MNREGA was borne by the central government. But states will also have to contribute in the new scheme. In some states, 90 percent center and 10 percent state. Whereas in the remaining states, 60 percent of the expenses will be borne by the Center and 40 percent by the states. This will increase both the role and responsibility of the states in running the scheme.

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Pujya Bapu Gramin Rojgar Yojana: Many schemes are currently being run in the country. Many of these schemes were started in the previous government. MNREGA scheme, one of the most important schemes related to rural India, was started in the year 2005. The central government has taken a big decision regarding this scheme. In the Union Cabinet meeting, the name of MNREGA has now been changed to Pujya Bapu Rural Employment Scheme. Not only the name of the scheme is being changed but along with it the benefits of the scheme are also going to be changed.

The government has increased both the guaranteed days of employment and wages. This will have a direct impact on crores of families living in villages. This scheme has been the main support for their income. The government’s focus is now on making rural employment more stable. Amid rising inflation, this decision is being considered to boost the rural economy. Let us tell you what other benefits have been increased in the scheme.

The name of MNREGA scheme will be changed

Mahatma Gandhi National Rural Employment Guarantee Act or MNREGA has been counted among the biggest social security schemes of the country. Its purpose was to provide legal guarantee to the right to work in rural areas. Under the scheme, every such rural family was given employment for at least 100 days in a year. It was started in 2005 under the name of NREGA.

Which was later added to the name of Mahatma Gandhi. Under MNREGA, works like road construction, water conservation, pond digging, horticulture and community development were done. This scheme played an important role in stopping migration, increasing women’s participation and stabilizing rural income. In times of crisis, this scheme emerged as a safety net for the villages.

What will you get in Pujya Bapu Rural Employment Scheme?

Under the new Pujya Bapu Rural Employment Scheme, the government has made two major changes. First, the number of days of guaranteed employment has now been increased from 100 to 125. This means that rural laborers will be assured of getting work for more days in a year. Secondly, the minimum wage has been increased to Rs 240 per day. This will directly improve the daily income of the workers.

The effect of more work and better wages will also be visible on the purchasing power of the villages. Local market, small businesses and agriculture based works will get support from this. The objective of the scheme is that rural laborers should not depend only on assistance. Rather, strengthen your financial position with your own hard work.

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PM Shram Yogi Mandhan Yojana:: The Government of India runs many schemes for the people of the country. Crores of people of the country benefit from them. Many people in the country work in unorganized sectors. Who do not have many resources for income. Therefore, a new scheme has been started by the government to give pension every month. In this scheme people are given a pension of Rs 3 thousand.

The government prepared this scheme for the workers which can provide financial security as they grow older. Such people work hard all day long. But as work stops with increasing age, the biggest worry is how the expenses will be managed. Keeping this in view, the Prime Minister Shram Yogi Maandhan Yojana was started. Its objective is to secure the future of unorganized workers by giving them a minimum pension. Know who can apply for the scheme and what documents will be required for it.

Who can apply?

Workers aged between 18 to 40 years can participate in the Pradhan Mantri Shram Yogi Maandhan Yojana. And the contribution amount depends entirely on the age at which one applies. If a person joins this scheme at the age of 18 years. So he will have to deposit only Rs 55 every month.

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This contribution has to continue till he turns 60 years of age. After this the government will give a pension of Rs 3 thousand every month. The sooner you join the scheme, the less amount you will have to deposit. This scheme is special for those who work as laborers or on daily wages and whose income fluctuates.

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Which documents should be ready before application?

Registering for the scheme is easy. But only when you have the correct documents. Those who will not have the necessary documents. Their application may be rejected outright. Therefore, before applying, keep Aadhaar card, identity related documents, bank passbook, mobile number and passport size photo ready. These documents are necessary for your identity and banking details. So that the pension can reach your account without any interruption. If the documents are ready, you can apply by going to the nearest Common Service Centre.

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Now the process of making Aadhaar card of new born has also been started in Bihar. This scheme is being started in more than one lakh Anganwadi centers of the state. So that identification of children can be ensured immediately after birth. The purpose of this process is that children can get the benefits of all the schemes of the Central and State Government on time and directly in their names. Whereas earlier Aadhaar card was made only after completion of 1 year of age, now Aadhaar card will be made within 1 month of the birth of the children. In such a situation, let us now tell you how you can apply for making Aadhar card of new born in Bihar.

Aadhaar service facility will start in Anganwadi centers

According to the Women and Child Development Department, Aadhaar Seva Centers are being opened in all the Anganwadi centers of the state. Child base for new born will be created here. The Aadhar card of children will be linked to the Aadhar card number of their parents, so that both their identity and family details can be recorded together. At the same time, about 7 lakh 56 thousand pregnant women of the state are being given information about this new system. After creating the basis of new born, the related data will be sent to Women and Child Development Corporation, Health Department and Education Department. So that children can get the benefits of government schemes in the right way.

New born will also get the benefit of health card

After the creation of Aadhaar card, the government will also issue health card of new born children. With this, health records of children can be prepared and children will directly get the benefits of vaccination or other health related schemes. Till now the benefits of the scheme were given on the basis of parents, but now this benefit will be given directly to the children on their own basis.

Make the base of new born like this

online method

• To get Aadhaar card for new born baby, first go to the official website of UIDAI.
• After this, go to My Aadhaar section and click on Book an Appointment.
• Now enter the city name and mobile number and verify with OTP.
• After this select the date and time for Aadhar Seva Kendra
• Now biometric verification of mother or father will have to be done.
• After verification, submit the child’s birth certificate and other documents.
• After completion of the process, Baal Aadhaar will be sent to your home address or you can also download it from UIDAI website.

offline method

• To get children’s Aadhaar card made offline, go to the nearby Aadhaar Enrollment Center.
• After this fill the application form and submit the necessary documents.
• After application, you will get Acknowledgment Slip, through which you can track the status.
• Whereas Bala Aadhaar usually reaches home within 60 to 90 days.

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