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69 results Banking,Financial Services and Insurance✕

📋 BankingState/ UT

Jan Samuh Bima Yojana

The scheme aims to provide financial assistance to Sahariya families in the event of the death of the heads of the families. Under this scheme, a one-time financial assistance of ₹25,000/- is provided by the insurance company to the deceased's family to help reduce their economic burden.

💰Financial Assistance: | - The insurance company provides financial assistance of ₹25,000/- to the family in case of death of the insured person. | Insurance Premium: | - Fully paid under the Swachh Project.

📋 BankingState/ UT

Jharkhand Rajya Patrakar Swasth Bima Yojna Niyamawali 2021

The Jharkhand Rajya Patrakar Swasth Bima Yojna Niyamawali 2021 is a health insurance scheme for accredited journalists in Jharkhand. It provides comprehensive health coverage to ensure financial security during medical emergencies.

💰Health insurance coverage up to ₹5,00,000/- per year for accredited journalists. | - Coverage for self, spouse, and dependent children (up to 2). | - Includes expenses for hospitalization, surgeries, medicines, and treatments. | - Cashless treatment in empaneled hospitals. | Note-1: The Jharkhand State Journalist Health Insurance Scheme is valid for one year, with renewal formalities required before its expiry. | Note-2: Media representatives must deposit 20% of the annual premium via banker’s cheque/cheque/demand draft for health insurance coverage up to ₹5,00,000/- to the designated account of the Director, Information & Public Relations Directorate, Jharkhand Government, by the specified date. The remaining 80% of the annual premium will be covered by the Department. | Claim Process: | - The insured media representative must provide complete details of dependents (spouse and two children) and nominate a beneficiary for claim settlement in the application form to receive medical reimbursement from the insurance company. | - In case of treatment or an accident, it is mandatory to inform the insurance company's district office and the Information and Public Relations Department, Ranchi, within a maximum of seven days.

📋 BankingCentral

Jute Raw Material Bank Scheme

Jute Raw Material Bank Scheme (JRMB) will be set up in the local clusters across the country in collaboration with bonafide Agencies who have adequate experience in similar activities and have the required storage, display, and selling infrastructure.

💰30% Financial Support on Sales Value | - Up to ₹12,00,000/- per year per JRMB | - Includes: | - 5% direct discount to beneficiaries on mill-gate price | - 25% support for transportation and operational costs | - Additional Freight Subsidy | - ₹1.50 per kg for JRMBs in hilly or high-transport-cost areas (e.g., J&K, Himachal Pradesh, Uttarakhand, NER states) | - 100% Reimbursement | - Financial support disbursed quarterly upon submission of valid documents (invoices, GST returns, certified bank statement) | - Affordable Raw Jute Access | - Jute Artisans, Women Self-Help Groups (WSHGs), and small JDP units can purchase raw jute materials at subsidized rates | - Reliable Supply Chain Support | - Ensures regular and cost-effective access to jute fabrics, yarns, and decorative materials from certified suppliers

📋 BankingCentral

Kisan Vikas Patra Scheme

‘Kisan Vikas Patra Scheme’ was relaunched in the year 2014 by the Department of Economic Affairs, Ministry Of Finance, Government of India in view of the popular demand and to revitalize Small Savings. The amount invested in Kisan Vikas Patra (KYP) doubles in 115 months at the present rate.

💰The scheme offers an interest rate of 7.5 % compounded annually on investment. | - Amount Invested doubles in 115 months (9 years & 7 months). | - No maximum deposit limit. | - Accounts can be opened in Post offices and in authorized banks. | - KVP can be transferred from one person to another and from one post office to another. | - KVP can be encashed after 2 and half years from the date of investment at the specified rates.

📋 BankingState/ UT

Large Sized Multi Purpose Coop. Society For Interest Free Loan

The scheme provides interest-free loans to citizens through a cooperative society. The maximum loan amount offered is ₹45,000/-, with zero interest charged.

💰Access to Loan: Loan up to ₹45,000/-. - Interest Rate: No interest.

📋 BankingState/ UT

Large Sized Multi Purpose Coop. Society: Jewel Loan (Interest Free)

The scheme offers citizens interest-free loans up to ₹1,00,000/- on jewels, helping them meet various financial needs without the burden of interest rates.

💰Access to Loan: Loan up to ₹1,00,000/-. - Interest Rate: No interest.

📋 BankingState/ UT

Large Sized Multi-Purpose Coop. Society: Medium Term Loan to Tribal Members

The scheme offers medium-term loans of up to ₹60,000/- without interest to tribal members, enabling them to fulfill various financial needs.

💰Access to Loan: Loan up to ₹60,000/-. - Interest Rate: No interest.

📋 BankingState/ UT

Loan Assistance to Scheduled Castes Students for Commercial Pilot Training

The scheme was commenced in the year 1987 with the objective to provide financial assistance to bright Scheduled Castes Students who want to undergo training for commercial pilot license.

💰Under this scheme, a loan of ₹25 lakhs is provided at an interest rate of 4% to the eligible candidates.

📋 BankingState/ UT

Loan for the Purchase of Work Tool for the Construction Workers

"Loan for the Purchase of Work Tool for the Construction Workers" by the Delhi Building and Other Construction Workers Welfare Board, Labour Dept., Delhi, is a welfare scheme that provides an amount not exceeding ₹20,000/- as loan to the members of the fund, for the purchase of work related tools.

💰An amount not exceeding ₹20,000/- may be sanctioned as loan to the members of the fund, for the purchase of work related tools. | Note: The loan amount shall be recovered in not more than sixty installments.

📋 BankingCentral

Micro Finance Scheme of NMDFC

Under the scheme, an amount of Rs. 1 lakh under credit Line-1 & upto Rs. 1.5 lakh under Credit Line-2 is extended to each member of SHG (belong to Minority communities) at interest rate of 7% & 10% respectively. Concession of 2% is extended to women beneficiaries under Credit Line-2.

💰Concessional Credit to the beneficiaries among minority communities.

📋 BankingCentral

Mission Solar Charkha

The scheme “Mission Solar Charkha” a pilot project was implemented by the Ministry of Micro, Small & Medium Enterprises, Government of India. The scheme envisages setting up of Solar Charkha Clusters which would mean a focal village and other surrounding villages in a radius of 8 to 10 Kilometres.

💰Project Interventions/Financial Assistance: | - One cluster of Solar Charkha would involve a maximum subsidy of ₹9.599 cr. | The scheme would cover three types of Interventions, namely- | A. Capital subsidy for individual and for Special Purpose Vehicle (SPV): | - 2000 Solar Charkhas at the maximum price of ₹45,000/- per charkha and a subsidy of ₹15,750/- per charkha works out to a cumulative subsidy of ₹3.15 crores for 1000 spinners. | - One unit of two Solar Charkhas would produce 2.0 kg of yarn on average per day, resulting in a production of 2.0 tons per 2000 charkhas. Thus, 500 Solar Looms would be required to convert the yarn into the fabric at the maximum price of ₹1,10,000/- per loom and subsidy @35% at ₹38,500/- per loom and the cumulative subsidy works out to ₹1.93 crores for 500 weavers. | - Capital cost of construction of work shed with a minimum space of 20,000 sq. feet with 100% subsidy at the maximum rate of up to ₹1.20 crore per cluster for the SPV. | - Capital cost of Solar Grid of 50 KW capacity with 100% subsidy at the maximum rate upto ₹0.40 crore per cluster for the SPV. | - One-time Capital Cost Subsidy for the SPV @35% works out to a maximum of ₹0.75 crore per Cluster for the purchase of twisting machines, dying machines, and stitching machines (500 in number) for making the unit self-sustainable and for value addition. | B. Interest subvention for Working Capital: | - It is proposed to have a ceiling of 8% of interest subvention on working capital irrespective of the interest rates being charged by the Banks/Financial Institutions for a period of six months. | - Recurring Working Capital cost for a period of six months at the rate of interest subvention of 8% works out to ₹1.584 crores for one cluster including the cost of roving, and wages of spinners and weavers. | C. Capacity building: | - The scheme envisages courses for the spinners/weavers and others involved in the garmenting unit at a total cost of ₹ 0.595 crore per cluster for a period of two years.

📋 BankingState

Mukhya Mantri Gyandeep Yojna

A scheme to provide financial support in the form of interest subsidy on Educational Loans availed from Banks by Himachali Students for pursuing Higher Education in India and Abroad.

💰Under this Scheme, Interest subsidy is admissible from any bank on an education loan availed up to the maximum of ₹10 lakhs. | - Interest subsidy to the extent of 4% per annum on education loans will be allowed. | Note: Interest subsidy will be provided on interest charged on eligible education loan accounts during the repayment/ holiday/ moratorium period i.e. course period plus moratorium period of a maximum of one year.

📋 BankingState/ UT

National Family Benefit Scheme for BPL Families

The scheme "National Family Benefit Scheme for BPL Families" by the Social Justice and Empowerment Department, Government of Haryana, aims to provide one-time financial assistance to economically vulnerable families after the death of the primary breadwinner.

💰Monetary Benefit: ₹20,000/- (one-time assistance).

📋 BankingCentral

National Handloom Development Programme: Concessional Credit/Weaver MUDRA Scheme

The scheme aims to provide adequate and timely assistance from the banks to the handloom sector to meet their credit requirements for term loan & working capital in a flexible and cost effective manner across the country.

💰Margin Money Assistance: | - Individual Handloom Weaver/Weaver Entrepreneur- Margin Money assistance @20% of the loan amount, subject to a maximum of ₹25,000/-. | - Handloom organization - Margin money assistance @20% of the loan amount, subject to a maximum of ₹20.00 lakh (margin money @₹2.00 lakhs for every 100 weaver/worker). Additional margin money requirement, if any as per banking norms will be borne by the beneficiary Agency. | - Margin money assistance to Primary Handloom Weavers’ Co-operative Societies/Apex Handloom Weavers’ Co-operative Societies/State Handloom Corporations will be provided on the recommendation of the State Director of Handlooms. | Interest Subvention: | - Subsidized loans at a concessional interest rate of 6% for a period of three years will be available to eligible handloom organizations only. However, this is subject to interest subvention cap only upto 7% by the GoI. | - Interest subvention as applicable will be provided a maximum of 3 years from the date of the first disbursal. | Credit Guarantee: | - The loans extended to the eligible handloom organizations will be guaranteed by the National Credit Guarantee Trustee Company (NCGTC)/Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE), as per the decision of the Bank/Financial Institution concerned. Guarantee cover will be effective from the date of disbursement of the loan for 3 years. | - If the loan amount sanctioned is ₹1.00 crore, the handloom organization is eligible for getting maximum margin money assistance of ₹20.00 lakhs (margin money @₹2.00 lakhs for every handloom weaver/worker). Therefore, a credit guarantee would be covered on the loan amount disbursed upto ₹1.00 Crore. | - The credit guarantee fee on the loan amount disbursed would be borne by GoI for a period of 3 years. | Note 01: Under the scheme, the loans will be provided to all eligible handloom beneficiaries for 3 years. | Note 02: Individual handloom weavers who have availed loans upto the issuance date of guidelines will be eligible for getting benefits of interest subsidy and credit guarantee fee upto 3 years from the date of first disbursal of the loan amount. These benefits will be discontinued thereafter for sanctioning fresh loans to individual weavers. | Note 03: Loans extended by banks up to ₹10.00 lakhs will be covered under MUDRA and loans above ₹10.00 lakhs will be covered under Concessional Credit. | Note 04: Margin money assistance to Handloom Organization will be provided on a pro-rata basis. The lower side of margin money assistance i.e. @₹2.00 lakhs for every 100 weavers/workers or @20% of the loan amount sanctioned subject to a maximum of ₹20.00 lakhs, whichever is less will be considered. | Note 05: Margin money assistance will be transferred directly to the loan account of Handloom Organization while interest subsidy and credit guarantee fee will be transferred to the concerned bank.

📋 BankingCentral

National Pension Scheme For Traders And Self Employed Persons

A voluntary and contributory pension scheme by the Ministry of Labour and Employment. This scheme is meant for old age protection and social security of Small Scale Traders and Retailers. The beneficiary would receive a minimum assured pension of ₹ 3000/- per month after attaining the age of 60 yrs.

💰Benefits to the family on the death of an eligible beneficiary: | - During the receipt of a pension, if an eligible beneficiary dies, his spouse shall be only entitled to receive fifty percent of the pension received by such eligible beneficiary, as a family pension, and such family pension shall be applicable only to the spouse. | Benefits on disablement: | - If an eligible beneficiary has given regular contributions and become permanently disabled due to any cause before attaining his age of 60 years, and is unable to continue to contribute under this Scheme, his spouse shall be entitled to continue with the Scheme subsequently by payment of regular contribution as applicable or exit the Scheme by receiving the share of contribution deposited by the such beneficiary, with interest as actually earned thereon by the Pension Fund or the interest at the savings bank interest rate thereon, whichever is higher. | Benefits on Leaving the Pension Scheme: | - In case an eligible beneficiary exits this Scheme within a period of less than ten years from the date of joining the Scheme by him, then the share of contribution by him only will be returned to him with savings bank rate of interest payable thereon. | - If an eligible beneficiary exits after completion of a period of ten years or more from the date of joining the Scheme by him but before his age of sixty years, then his share of contribution only shall be returned to him along with accumulated interest thereon as actually earned by the Pension Fund or the interest at the savings bank interest rate thereon, whichever is higher. | - If an eligible beneficiary has given regular contributions and died due to any cause, his spouse shall be entitled to continue with the Scheme subsequently by payment of regular contribution as applicable or exit by receiving the share of contribution paid by such beneficiary along with accumulated interest, as actually earned thereon by the Pension Fund or at the savings bank interest rate thereon, whichever is higher | - After the death of the beneficiary and his or her spouse, the corpus shall be credited back to the fund.

📋 BankingCentral

National Savings Certificates (VIII-Issue) Scheme

The scheme “National Savings Certificates (VIII-Issue) Scheme” was launched by the Department of Economic Affairs, Ministry of Finance, Government of India to promote a culture of long-term savings among individuals.

💰National Savings Certificates offer an attractive interest rate of 7.7% compounded annually but payable at maturity. | - No maximum deposit limit. | - Account matures in 5 years. | - Loan facility available by pledging with the banks.

📋 BankingState/ UT

Nirman Shramik Auzaar Toolkit Sahayata Yojana

The NIRMAN SHRAMIK AUZAAR TOOLKIT SAHAYATA YOJANA is a social welfare scheme launched by the Government of Jharkhand to provide financial assistance to registered construction workers in the state for the purchase of essential tools and equipment required for their work.

💰Actual cost of purchasing tools/toolkit or ₹ 2,000/-, whichever is less

📋 BankingState/ UT

Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana

The "Nirman Shramik Rin Punarbharan Yojana" helps construction workers by reimbursing interest on their business loans. This program aims to ease the financial burden of construction workers by reducing their loan interest payments.

💰The board will reimburse the interest payable on business loans up to ₹5,00,000/-

📋 BankingCentral

NPS Vatsalya Scheme

The “NPS Vatsalya” is a pension-cum-saving scheme designed for minors, regulated by PFRDA. It aims to secure the financial future of minors by offering a structured pension scheme, with contributions managed by a guardian until the minor turns 18.

💰Opening an NPS Vatsalya account provides the child with a head start on saving for retirement and offers valuable financial lessons from an early age. It instills the importance of financial planning and discipline. which can benefit the child throughout their life. | - Upon reaching 18 years, the account automatically transitions into a regular NPS Tier I account, maintaining investment continuity with no additional administrative steps. | - For the purpose of education of the subscriber, treatment of specified illnesses, disability more than 75%, or the reasons as may be specified by PFRDA in the interest of the minor subscriber under the regulations, the guardian shall be allowed to partially withdraw up to 25% of subscribers’ contribution excluding returns thereon, after a minimum of 3 years from the date of opening of account, for maximum three times till the subscriber attains 18 years of age. Such facility shall be made available on a declaration basis.

📋 BankingState/ UT

Passenger Auto Rickshaw Loan Scheme (DAADC)

The "Passenger Auto Rickshaw Loan Scheme" introduced by the Social Justice and Empowerment Department offers financial assistance in the form of loans to Scheduled Caste individuals from Antyodaya families to purchase passenger auto rickshaws and enhance their livelihood opportunities.

💰Financial assistance in the form of a loan.

📋 BankingState/ UT

Passenger Vehicle/Loading Vehicle Loan Scheme (DAADC)

The "Passenger Vehicle/Loading Vehicle Loan Scheme" introduced by the Social Justice and Empowerment Department provides financial support to unemployed individuals from Antyodaya Caste for purchasing passenger or freight vehicles.

💰Financial assistance in the form of a loan.

📋 BankingState

Pension Yojana (JBOCWWB)

"Pension Yojana (JBOCWWB)" is a scheme by the Department of Labour, Employment, Training & Skill Development Govt of Jharkhand. The scheme provides pension of ₹ 1,000/- per month to those who have contributed to the JBOCWWB for at least 30 years.

📋 BankingCentral

Post Office Monthly Income Scheme

POMIS is an investment scheme recognized and validated by the Ministry of Finance. It is one of the highest-earning schemes with an interest rate of 6.6%. The interest in this scheme is disbursed monthly. After opening a POMIS account, individuals can invest a minimum amount of ₹1500.

📋 BankingCentral

Pradhan Mantri Jan Dhan Yojana

A National Mission for Financial Inclusion (NMFI), namely, Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched by the Prime Minister across the country on 28th August, 2014. It envisages to provide universal banking services for every unbanked adult in the country.

💰Basic Savings Bank Deposit Account (BSBDA) | Any Indian citizen eligible to open a regular bank account can open a BSBDA. Such an account does not require any minimum balance maintenance. The account holders can use both bank branches, ATMs and Banking Correspondents (BCs) for depositing and withdrawing cash. However, one cannot withdraw cash more than four times a month. | Small Account/Chota Khata | Under Jan Dhan Yojana, people can open small bank accounts without presenting legal documents. These accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to a continue for a further period of twelve more months, if the account-holder provides a document showing that he/she has applied for any of the Officially Valid Document, within 12 months of opening the small account. | RuPay Debit Card with inbuilt accident insurance | Under PMJDY, a free Rupay debit card, with inbuilt accident insurance cover of Rs.2 lakhs (Rs 1 lakh for accounts opened before 28.08.2018), is issued to all beneficiaries. | Overdraft Facility | Under PMJDY, beneficiaries can avail OD facility upto Rs. 10,000/-. | Business Correspondents (BCs)/Bank Mitras*** | BCs/Bank Mitras are retail agents engaged by banks for providing banking services at locations other than a bank branch/ATM. It is mainly meant for the rural areas, where bank branches are far-flung. BCs/Bank Mitras connect with the residents and guide them with banking solutions such as savings accounts, deposits, payments and withdrawals, mini account statements, etc. Banks with their strong network of BCs/Bank Mitras are providing hassle free services to the customers in remote / rural areas.

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