Indian Equity Market Relatively Resilient Compared to Other Major Emerging Market Economies

The Economic Survey 2015-16 presented  in the Parliament by the Union Finance Minister Shri Arun Jaitley states that despite volatility in global financial markets, the Indian equity market has been relatively resiliant during this period compared to the other major emerging market economies. The market has rebounded time and time again, and it is hoped that as the global financial market settle down, India can become the leading investment destination owing to its robust macroeconomic fundamentals. Banking sector gross credit deployment has been sluggish duirng the financial year. Increasing levels of gross Non Performing Assets (NPA) have reduced the banking sector’s capacity to lend. Sluggish growth and increasing indebtedness in some sectors of the economy have impacted the assets quality of banks and this is a cause of concern. Financial inclusion is proceeding apace under the Pradhan Mantri Jan Dhan Yojana while the Atal Pension Yojana is extending the reach of the New Pension Scheme. 

The Economic Survey 2015-16 states that the agreement on monetary policy frameswork signed between the Government and the Reserve Bank of India in February 2015 shape the monetary policy stance in 2015-16. Liquidity conditions were generally tight during the first quarter of 2015-16, mainly due to slow government spending in the beginning of the year. In the second quarter, liquidity conditions eased significantly but in the third quarter again the liquidity conditions tightened mainly due to festive season currency demand. The RBI anchored its policy rate to achieve the domestic inflation targets consistant with growth. The value of rupee also remained comparatively stable during this period. Average borrowings by banks have increased significantly in the immediate aftermath of US fed rate hike, resulting in appreciation of the rupee. However, subsequent to easing of liquidity conditions, the rupee started depreciating. 

Economic Survey 2015-16 states that during the current financial year, year on year growth in gross bank credit outstanding has remained around 10%. The sluggish growth can be attributed to incomplete transmission of the monitory policy, unwillingness of banks to lend credit on account of rising NPAs, and more attractive interest rates for borrowers in the bond markets. The year on year growth in time deposits fell to 10.6% in December 2016. This is because household saving are channelized to other areas like gold and real estate. The slowdown in time deposits has been slowing the growth of bank credit as time deposits remain the most important and cheaper source of banks funding. 

The credit off take by the industry sector for the bank has been slowing. The deployment of gross bank credit to industry grew at 5.3% year on year in December 2015. Gross bank credit to the services sector grew at sub 7% in May – November 2015 though it increased to 9.2% in December 2015. The agriculture sector too saw a downturn from November 2014. Only the personal loans segment, which benefited from the repo rate cut, has been showing accelerating growth from January 2015. The analysis of non food credit shows that consumption expenditure has been the key driver for the economy during the current financial year. The Economic Survey expresses concern that the share of industry has come down significantly. The decline reflects the muted markets sentiments leading to slowdown in private investment demand and industrial growth, poor earnings growth of the corporate sector, and risk aversion on the part of the banks. 

On the performance of the Scheduled Commercial Banks (SCBs), the Survey says that the slowdown in growth in the balance sheets of banks witnessed since 2011-12 continued in 2015-16. The moderation in growth of assets of SCBs can mainly be attributed to tepid growth in loans and advances. Growth in investments also slowed down marginally. The survey recommends that given the deterioration in asset quality and gradual implementation of Basel III, banks will have to improve their capital positions to meet unforeseen losses in future. The estimated capital requirement is likely to be about Rs 1,80,000 crore by 2018-19. Of this total requirement, the government of India proposes to make Rs 70,000 crore available out of budgetary allocations during the current and succeeding years. 

Economic Survey 2015-16 states that the asset quality of SCBs has come under stress during the recent times. Gross NPAs of SCBs as a proportion of gross advances increased to 5.1% from 4.6% between March and September 2015. Mining, Iron and Steel, textiles, infrastructure and aviation sectors contributed 53% of the total stressed advances. 

Economic Survey 2015-16 mentions that the number of new basic saving bank deposit accounts rose considerably during the year on account of the government’s initiative under Pradhan Mantri Jan Dhan Yojna. The number of such account increased to 44.1 crore for the period ending September 2015 and total number of banking outlets went up to 5.67 lakhs. 

In 2015-16 (April-December), resource mobilization through the public and right issues has surged rapidly as compared to the last financial year. During this period, 71 companies raised Rs 51,311 crore from the capital market compared to Rs 11,581 crore during the corresponding period of 2014-15. Resources mobilized by Mutual Funds also increased substantially to Rs 1,61,696 crore from Rs 87,942 crore mobilized during the same period of the previous year. During 2015-16 so far, the Indian Securities Market has remained subdued. The Bombay Stock Exchange Sensex declined by 8.5% (Up to January 5, 2016) over March 2015, mainly on account of turmoil in Global Equity Markets. 

The net investment by Foreign Institutional Investors/FPIs in the Indian market has been Rs 63,663 crore in 2015 as compared to Rs 2,56,213 crore in 2014. 

The total insurance premium generated by the insurance sector increased from Rs. 3,94,235 crore in 2013-14 to Rs 4,15,252 crore in 2014-15. During the period, Life Insurance premium registered a growth of 4.4% whereas the General Insurance business grew by 9%. Till December 2015, a total of 112.82 lakh members/subscribers have been enrolled under the National Pension Scheme. Three schemes – Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jivan Jyoti Bima Yojana (PMJJBY), and the Atal Pension Yojana(APY), - were launched in 2015 in the insurance and pension sectors for creating a universal social security system for all Indians, especially for the poor and the underpreviledged.

Spreading Jam across India’s Economy

The Economic Survey 2015-16 presented in the Parliament by the Union Finance Minister Shri Arun Jaitley emphasizes that JAM Trinity –Jan dhan, Aadhaar, Mobile- can help government to implement large-scale, technology-enabled and real-time Direct Benefit Transfers (DBTs) to improve economic lives of India’s poor. First variety of JAM- PAHAL scheme of transferring LPG subsidies via DBT -has reduced leakages by 24 per cent. Economic Survey suggests that while deciding where next to spread JAM, policymakers should consider the challenges of beneficiary identification, distributor opposition and beneficiary financial inclusion. Spreading JAM to other areas will reduce leakages and provide more fiscal space to the Government.

JAM Components:

Economic Survey divides JAM into three components-

1.      Identification or First-Mile:  Identification of beneficiaries by government

2.      Transfer or Middle-Mile: Transfer of fund to beneficiaries by government

3.      Access or Last-Mile: Access of fund by beneficiaries

                                                                            

Identification:

First-mile deals with identification of beneficiary. This layer has issues of ghost and duplicate names due to administrative and political discretion and use of pre-Aadhaar database.  It is easier to implement the JAM for universal scheme than targeted one as identification will be easier. Identification of household-individual connection is important to note here as some schemes target at household level like JDY and some at individual level like Aadhaar. Aadhaar can help in better identification of the beneficiaries.

Transfer:

Middle-mile deals with the challenges of payment where government transfer benefits to the banks. But lack of bank accounts and its information with government put hindrances in the middle-layer connectivity. Main issue in this layer is of within-government coordination and dealing with supply chain interest groups.  Jan Dhan can help beneficiaries to have bank accounts.

Access:

Last-mile layer faces issues of lesser Bank penetration, mostly in rural areas. It deals with actual transfer of money from Bank to Beneficiary accounts. It also deals with issues of exclusion of genuine beneficiaries. Mobile can inform about benefits and also allow easier fund transfer.

Where next to spread JAM?

Economic Survey argues that policymakers should decide where to apply JAM based on two considerations of-

1.      Amount of leakages and,  

2.      Control of the central government.

If amount of the leakages in a given scheme/area is huge then it can be next target for introduction of JAM as subsidies with higher leakages will have larger returns from introducing JAM. Similarly control of central government will reduce administrative challenges of co-ordination and political challenges of opposition by interest groups.

Based on these two criteria- leakages and central government control-Survey suggests fertilizer subsidies and within-government transfers as two most promising areas for introduction of the JAM.

                          

JAM Preparedness Index:

Further economic survey has formulated JAM-Preparedness Indices for Urban and Rural areas in each state. It uses Aadhaar penetration, basic bank account penetration and Banking Correspondents (BC) density as indicators for the indices. It has also prepared Biometrically Authenticated Physical Update or BAPU-Preparedness Index, using Aadhaar penetration and Point of Sale machines as indicators, for each state and has compared Rural-JAM Preparedness Index with BAPU-Preparedness Index. It has found that many states are having higher scores in BAPU-Preparedness Index as compared to Rural JAM-Preparedness Index. Thus it suggests use of BAPU as short-term solution to reduce the leakages in these states, till states are well prepared for introduction of the JAM.

Conclusion:

Introduction of DBT in LPG and MGNREGS have proved that use of JAM can considerably reduce leakages, reduce idle funds, lower corruption and improve ease of doing business with the government. Despite huge improvements in financial inclusion due to Jan Dhan, JAM Preparedness indicators suggest that there is still long way to go. Center can invest in last-mile financial inclusion via further improving BC networks and promoting the spread of the mobile money.  In the meantime models like BAPU can be used as an alternative to reduce the leakages.

2015 - Landmark Year for India in Climate Change Initiatives

Economic Survey 2015-16 tabled in Parliament  by the Union Finance Minister Shri Arun Jaitley states that the year 2015 has been a landmark year for India in terms of climate change initiatives both nationally and internationally. At the International level, India played a crucial role in the climate change talks and agreement under United Nations Framework Convention on Climate (UNFCCC) in Paris in December 2015, and the launch of International Solar Alliance. India also submitted its ambitious Intended Nationally Determined Contributions (INDC) to the UNFCCC on 2nd October 2015. The Economic Survey which was tabled today in the Parliament by the Union Finance Minister Shri Arun Jaitley has listed down, along with these achievements, the various other contributions and initiatives taken by India in dealing with climate change and promoting sustainable development. 

Economic Survey 2015-16 further states that India has played an important role in the 21st Conference of Parties (COP 21) under the UNFCCC and adoption of the Paris Agreement in December 2015. The Paris Agreement sets a roadmap for all nations in the world to take actions against climate change in the post-2020 period. Also, Prime Minister Shri Narendra Modi played a leading role at COP 21 in the launch of the International Solar Alliance (ISA), and also volunteered to host its Secretariat. ISA will provide a special platform for mutual cooperation among 121 solar-resource-rich countries in the world. 

Economic Survey highlights that as on 4 January 2016, with 1593 out of 7685 projects registered under Clean Development Mechanism (CDM) of UNFCCC, India has the second highest number of projects registered under CDM which further shows its commitment to fighting climate change. 

Economic Survey notes that in the domestic front, India has continued to take ambitious targets in its actions against climate change. As a part of its contributions to global climate change mitigation efforts, India announced its Intended Nationally Determined Contributions (INDC) which including other efforts has set itself an ambitious target of reducing its emissions intensity of its GDP by 33-35 percent by 2030, compared to 2005 levels, and of achieving 40 percent cumulative electric installed capacity from non-fossil fuel-based energy resources by 2030. 

Apart from the National Action on Climate Change (NAPCC), a new mission on Climate Change and Health is currently under formulation and a National Expert Group on Climate Change and Health has been constituted. The Economic Survey also talks about the National Mission on Coastal Areas (NMCA) for integrated coastal resource management and the proposed waste-to energy mission which are the other major components of India’s domestic actions against climate change.

Economic Survey also talks about the National Adaptation Fund for Climate Change (NAFCC) which has been established with a budget provision of Rs 350 crore for the year 2015-16 and 2016-17, and the National Clean Energy Fund (NCEF) which is supported by the cess on coal. The Survey notes that India is one of the few countries around the world to have a carbon tax in the form of a cess on coal. 

Economic Survey 2015-16 further points out the progress on the renewable energy front in India by highlighting the ambitious targets of achieving 40 percent cumulative electric capacity from non-fossil fuel-based energy resources by 2030. Underlining India’s commitment to clean energy the first Renewable Energy Global Investment Meet and Expo (RE-INVEST) was organized in Feb 2015 to provide a platform for the global investment community to connect with stakeholders in India. 

Another ambitious program of the government is the Development of Solar cities Program under which 56 solar cities projects have been approved. The Economic Survey further lists the National Offshore Wind Energy Policy 2015 to help in offshore wind energy development, as yet another major renewable energy policy.

Labour Force participation Rate higher in Rural Areas than Urban Areas, significantly lower for females than males

The Economic Survey (2015-16) states that the proportion of economically active population (15-59 years) has increased from 57.7 per cent to 63.3 per cent during 1991 to 2013, as per Sample Registration System (SRS) data for 2013.

 As per the Economic Survey, the employment growth in the organized sector (Public and Private combined) increased by 2% in 2012 over 2011, while it increased by only 1% in 2011 over 2010. The annual growth rate of employment for the private sector was 4.5 % in 2012 over 2011 whereas the public sector registered a marginal growth of 0.4 % in the same year.

The Fourth Annual Employment-Unemployment Survey conducted by the Labour Bureau during the period January 2014 to July 2014 has shown that the Labour Force Participation Rate (LFPR) is 52.5 % for all persons. However, the LFPR for rural areas stands at 54.7% which is much greater than that for rural areas i.e. 47.2 %. The LFPR for women is significantly lower than that for males in both rural and urban areas. As per the Survey, the Unemployment Rate is 4.7 % in rural areas and 5.5% in urban areas. The total unemployment rate reported is 4.9% as per the Labour Bureau Survey. These figures are much higher than the all India unemployment rates of the National Sample Survey Office (NSSO, 2012-11) which reported unemployment rate of 2.3% for rural areas, 3.8% for Urban Areas and 2.7% for India as a whole.

The Government has taken several measures including Labour reforms to improve the employment situation in the country as well as employment conditions for women. Some of the recent Labour reforms include the Payment of Bonus (Amendment) Act 2015, National Career Services Portal, Shram Suvidha Portal and Universal Account Number Facility.

The National Policy on Skill Development and Entrepreneurship 2015 aims to ensure ‘Skilling on a large Scale at a Speed with high Standards and promote a culture of innovation based entrepreneurship to ensure sustainable livelihoods’. The Pradhan Mantri Kaushal Vikas Yojana (PMKVY) proposes to cover 24 lakh Indian youth with meaningful, industry relevant, Skill Based Training under which 5.32 lakh persons have already been enrolled. Of this number, 4.38 lakh have successfully completed training throughout India.

In addition, the Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY), a placement-linked skill development scheme for rural youth who are poor, as a skilling component of the National Rural Livelihood Mission (NRLM) has also been launched. During 2015-16, against a target of skilling 1.78 lakhs candidates under the DDU-GKY, a total of 1.75 lakh have already been trained and 0.60 lakh placed till November 2015.

With a view to increasing the scope of employability among differently-abled persons, the Government has launched a National Action Plan (NAP) for skill training. The plan has target of skilling 5 lakh differently-abled persons in next three years. Plans are also on the anvil to extend the NAP with an online skill-training platform with a target of 5 lakh every year.

Under Mahatma Gandhi National Rural Employment Guarantee Scheme, about 3.63 crore households have been provided employment of 134.96 crore person days during the Current Financial Year (as on 01.01.2016). Of this, 76.81 crore person days or 57% were availed of by women.

The Survey has expressed concern at the reported low rates of workforce participation for females. The level of financial inclusion of women in terms of number of women with bank accounts still remains low in India. However, it is noteworthy that there are women achievers in the financial sector, with leading nationalized banks and financial institutions headed by women, says the Economic Survey.

 The Time Use Survey (TUS) being conducted in select states on a pilot basis has revealed the hidden contribution of women to the economy in the form of unpaid work. PUS is proposed to be extended to all states to design gender sensitive policies for employment and to make women’s work visible, says the Survey.

RAILWAY BUDGET 2016-17 HIGHLIGHTS

Highlights of the Railway Budget 2016 :

● Minister sees operating ratio of 92 percent in FY17 as against 90 percent in current year
● Rs 8,720 cr saving in 2015-16 budget in fuel cost like power
● The railways have ramped up capital expenditure to remove the huge backlog and provide for future needs; rate of capital expenditure has increased
● Investment proposed in 2016-17 at Rs 1.21 lakh crore, higher from Rs 1 lakh crore last year.
● Proposes to commission 2,800 km of new tracks in next year
● Outlay for railway electrification increased by 50 percent; 2,000 km route to be electrified next fiscal
● 2000 km rail route to be electrified in 2016-17
● Railways to get Rs 40,000 cr budgetary support from the government
● Railways to increase lower berth quota for senior citizens by 50 percent
● Ajmer, Amritsar, Gaya, Mathura, Nanded, Nashik, Puri, Tirupati, Varanasi, Nagapattinam and other pilgrim stations to be beautified
● Two elevated suburban railway corridors - Churchgate-Virar and CST-Panvel to be constructed in Mumbai; Ring railway covering 21 stations to be revived with state participation.
● India's first railway auto hub in Chennai to be inaugurated soon
● Logistics and warehouse parks to be created on PPP mode
● Station development and re-development, monetisation of land to raise rail revenue from non-freight sources
● Rs 30,000 crore is the loss on subsidising passenger fares, says Railway Minister
● Railways to shift to completely paperless contract system in 2016-17, says minister
● Bar-coded tickets to be introduced at select stations on pilot basis
● E-booking of tickets on concessional passes for journalists introduced
● Cleaning of coach on demand to be introduced; Disabled enabled toilet in 11 Class-A stations this year
● 33 percent reservation to women in reserved quota in Railways will be introduced
● Children menu to be introduced on pilot basis on trains
● North-South, East-West dedicated freight corridor proposed in Railway Budget for 2016-17
● Three direct services - fully air-conditioned Humsafer to travel at 130-km per hour
● Bar-coded tickets to be introduced at select stations on pilot basis
● Overnight double-decker train Uday Express to be introduced on busiest routes, carrying capacity to be 40 percent more
● Propose to start cancellation through 139. Bar-coded tickets will be issued on a pilot basis. This is aimed at reining in the menace of ticket less travel and also making travel hassle-free.
● 400 railway stations to be equipped with wifi, 100 this year
● 124 MPs have committed to contribute from MPLADS for passenger amenities. 

RAILWAY BUDGET 2016-17

  

NSSO STATISTICS

Battles and Wars in India

Battle of Hydaspes—In 326 B.C. when Alexander, the great had to turn back from Hydaspes (Beas) when his troops refused to march into India against the Nanda Empire.

Battle of Kalinga—It was fought in 361 B.C. between Ashoka, the great and the king of Kalinga. The war resulted in considerable loss of life and brought misery and suffering to the people. Its impression on Ashoka was so great that he not only turned a Buddhist, but renounced war and violence.

1st Battle of Tarain (1191 A.D.)—Prithvi Raj defeated Mohd. Gauri.

2nd Battle of Tarain (1192 A.D.)—Mohd. Gauri defeated Prithvi Raj and paved the way for Muslim rule in India.

First Battle of Panipat (1526)—Babur defeated Ibrahim Lodi. This laid the foundation of Mughal rule in India.

Second Battle of Panipat (1556)—Akbar defeated Hemu. It ended the Afgan Rule and the way was cleared for Mughal rule.

Battle of Talikota (1565)—The united alliance of Bijapur, Bidar, Ahmednagar and Golkunda under Hussain Nizam Shah defeated Ram Raja of Vijaynagar. It sealed the fate of the Hindu Kingdom of Vijaynagar.

Battle of Haldighati (1576)—Akbar defeated Rana Pratap. The latter had to take refuge in remote fortresses.

Battle of Plassey (1757)—The British under Lord Clive defeated Sirajuddaulah. It laid foundation of the British Rule in India.

Third Battle of Panipat (1761)—Ahmed Shah Abdali defeated the Marahattas. The Marahatta power suffered an irreparable loss.

Battle of Buxer (1764)—The British under Sir Hector Munro defeated the Muslim army under three Mohammadan leaders : Mir Qasim, Shuja-ud-daulha and Shah Alam II. The battle made the British Supreme in India.

The First Sikh War (1845)—The Sikh Army crossed Sutlej in 1845 at which the East India Company declared war. British occupied Lahore and forced the Sikhs to accept humiliating terms of peace.

The Second Sikh War (1849)—A drawn battle was fought between the English and the Sikhs at Chelianwala in which the English appeared to have suffered heavy losses.

Indo-Pak War (1965)—An indecisive war between India and Pakistan. It led to ‘Taskent Pact’ between the two countries.

Indo-Pak War (1971)—Indian forces in joint command with Bangladesh Army accepted the surrender of the Pak Army in Bangladesh. War in the western sector came to an end as a result of cease-fire on Dec. 17. Bangladesh was liberated.

Kargil War (1999)—Indian forces scored grand victory over Pakistani army and Pak supported mercenaries in a conflict in the Kargil sector of Jammu & Kashmir. The operation was named ‘Operation Vijaya.’ The Indian forces cleared Kargil of all Pakistani elements.

Sagarmala Programme

TSPSC HMWS & SB ASSISTANT (FINANCE & ACCOUNTS) GENERAL STUDIES PAPER

SCHEMES & PROGRAMMES IN INDIA

కేంద్ర ప్రభుత్వ పథకాలు

పథకం పేరు.	అర్హులు/అర్హతలు	లబ్ది	అమలుచేయు యంత్రాంగం.
1.మహత్మగాంధి జాతీయ గ్రామీణ హమీ పథకం (యం.జి ఎస్ ఆర్ ఇ జి ఎస్)	జాభ్ కార్డ్ కలిగి వున్న కుటుంబాలు కుటుంబ సభ్యులు.	1. నూరు రోజులపని కల్పించదం సమాన పనికి సమాన వేతనం కమ్యునిటి ఆస్తుల అభివుద్దీ  మౌలిక వసతుల కల్పన యస్.సి., యస్.టి  చిన్న సన్న కారు రైతుల భూములాభివ్రుద్ది పారిశుద్ద్య సౌకర్యాల కల్పన మొదలగునవి.	ఫీల్డ్ అసిస్టెంట్ గ్రామీణాభివృద్ది శాఖ.
2.ఇందిరా ఆవాస్ యోజన	దారిద్ర్యరేఖకు దిగువన ఉండి పక్కా గృహంలేని కుటుంబాలు.	2. రూ. 70,000/-ఆర్ధిక సహయం ఇళ్ళ స్తలాలు లేని వారికి ఇళ్ళ మంజూరు మరుగుదొడ్ల సౌకర్యం.	వర్క్ ఇంస్పెక్టర్  ఏ,ఇ., గృహ నిర్మాణ శాఖ.
3.ప్రధానమంత్రి సడక్ యోజన (పి. యం. జి. యస్. వై)	లింక్ రోడ్లు లేని గ్రామాలు.	3. గ్రామాల మద్య లింకు రోడ్ల నిర్మాణం రవాణా సౌకర్యాల మెరుగుదల.	విధ్యుత్ శాఖ.
4.రాజీవ్ గాందీ గ్రామీ విద్యుద్దీకరణ యోజన (ఆర్ జి.జి.ఇ.వై)	విధ్యుదీకరణకు నోచుకోని గ్రామ్మఆలు, నిరుపేద యస్.సి.యస్.టి. కుటుంబాలు.	4.ట్రాన్స్ ఫార్మర్లు, స్తంభలు  ఏర్పాటు చేసి విద్యుత్ ను సరఫరా చేయదం. సబ్సీడితో 5.సింగిల్ బల్బు కనెకన్  మీటర్ల సరఫరా.
5.జాతీయసాంఘీక  భధ్రతాకార్యక్రమాలు పెన్షన్లు  (యస్.యస్.యస్.పి)	60 సంవత్సరాలు నిండిన వృద్దులు , నిరాదారమైన వితంతువులు (18 – 60 సం.రా మద్యగల) 40% పైబడి అంగవైకల్యం గల వికలాంగులు, వృద్దులు చేనేత కార్మికులు.	వృద్దులు వితంతువులకు ప్రతినెలా 200 రూ, వికలాంగులకు ప్రతినెలా 500రూ.
6.సర్వశిక్ష అభియాన్.	6-14 సం.రాల లోపు పిల్లలకు తప్పనిసరి ప్రాథమిక విద్ద్య.	6..ప్రభుత్వపాఠశాలల్లోమౌళిక వసతుల కల్పన ఉచిత విద్య. ఉచిత యూనిఫారాలు. ఉచిత పాఠ్యపుస్తకాలు
7.జాతీయ గ్రామీణ మిషన్ (యస్.ఆర్.హెచ్.యమ్.)	గ్రామీణ ప్రజలు	7. ఉచిత యునాని , ఆయుర్వేద వైద్యం ప్రసవ నమయం లో ప్రసవాంతతరం వైదుయసెవలు – వైద్య పరీకలు ఐరన్ ఫోలిక్ యాసిడ్ మాత్రల పంపిణీ, ఇమ్యూనైజేశ రవాణా సదుపాయం, ప్రసవం. జననీ సురక్శా యోజన క్రింద వెయ్యి రూ. పుట్టిన బిడ్డ సమ్రక్శణకు కిట్టు మొదలగునవి వ్యాది నిరోదక టీకాలు..	వైద్య ఆరోగ్య శాఖ.
8.సమగ్ర శిశు అభివృద్ధి కార్యక్రమం.(ఐ.సి.డి.యస్)	0-6 సం.రాల లోపు పిల్లలు 11-18 సంవత్సరాల మద్య వయస్సు గల బాలికలు (కిశోర) గర్బిణీ స్త్రీలు బాలింతలు.	8. గర్భీణీ స్త్రీలకు, భాలింతలకు,6 నెలల నుండి 6 సం.రా లలోపు చిన్నారులకు అనుబంధ పోషకాహర పంపిణీ 3-6 సంవత్సరాల మద్య వయస్సు గల పూర్వ ప్రాథమిక విద్య కిశోర బాలికలకుక్ అనుబంధ పోషకాహరం. (సబల కార్యక్రమం లో) కిశోర బాలికలకుక్ ఆరోగ్య, జీవన నైపుణ్యాల అభివృద్దికి సంబందించిన విద్య చైల్ద్ లైన్ 1098 టోల్ ఫ్రీ  నెం. (పిల్లల సంరక్షణహక్కుల పరిరక్షణకు) పిల్ల దత్తత, అనాధ లేదా నిరాధరణకు గురైన పిల్లల సంరక్షణ.	మహిళా శిశు సంక్షేమ శాఖ.
9. జాతీయ గ్రామీణోపాధుల మిషన్	నిరుదద్యోగ గ్రామీణ యువతీ యువకులు	సామార్యాల మెరుగుదలకు కావలసిన శిక్షణ ప్రభూత్వ ప్రెవేటు సంస్తలలో ఉపాది అవకాశాలను తెలియజేయడం, ఉపాది కల్పనకు తోడ్పడడం.	గ్రామీణాభివృద్ది శాఖ
10. అమ్మ హస్తం	తెల్లరేషన్ కార్దు కలిగిన ప్రతి ఒక్క కుటుంబం	కిలో కందిపప్పు, ఒక లీటరు పామాయిల్ కిలో గోదుమలు అరకిలో చక్కెర, కిలో ఉప్పు, అరకిలో మిర్చి పొవ్దెర్, అరకిలో చింతపండు వందగ్రాముల పసుపు ఈ పథకం ద్వారా అందజేస్తారు.  పౌశిసటేక ఆహరం లోపం తో భాధపడుతున్న పేదలకు ఆకలి దూరం చేయటం.	రెవెన్యూ శాఖ
11. అమృత హస్తం	గర్భీణీలు, భాలింత (102 ఐసిడియస్ ప్రాజెక్ట్ ప్రాంతాలలో మాత్రమే	ఒక పూట పూర్తి భోజనం (రోజునకు 15 రూపాయల విలువ గల భోజనం)	స్వయం సహయక సంఘాలు, గ్రామీణాభివృద్ది శాఖ
12.బంగారు తల్లి	12. మే ఒకటి 2013 తర్వాత పుట్టిన ఆడపిల్లలందురూ	పుట్టిన వెంటనే రూ.2,500 /- మొదటి రెండవ పుట్టిన రోజులకు రూ. 1000/-  మూడు, నాల్గు, ఐదువ పుట్టినరోజులకు రూ. 1,500/- 6-10 సంవత్సరాల మద్య వయస్సు (అనగా 1-5 తరగతులకు వరకు) సంవత్సరానికి రూ.2000/- , 9-10 తరగతులకు సంవత్సరానికి రూ.3000/- , ఇంటర్మీడియట్ లో సంవత్సరానికి  రూ.3500/- డిగ్రీలో సంవత్సరానికి  రూ.4000/- 21 సంవత్సరాలు నిండిన తర్వాత ఇంటర్ పూర్తిఅయితె రూ. 50,000/- డిగ్రీ పూర్తయితే రూ.లక్ష.	మహిళా శిశు సంక్షేమ శాఖ, సాంఘీక  సంక్షేమ శాఖ,
13. సబల  రాజీవ్ గాందీ గ్రామీణ  (కిశోర) బాలికల సాధికారికత పథకం	7 జిల్లాలోని (చిత్తూరు, విశాఖపట్నం, పశ్చిమ గోదావరి, అనంతపురం, ఆదిలాబాద్, మహబూబ్ నగర్, 11 నుండి 18 సం.రాల మద్య వయస్సు గల బాలికలు	ఆరోగ్య విద్య జీవనోపాదుల శిక్షణ అనుబంధ పోషకాహరం ఇరొన్ ఫోలిక్  యాసిడ్ మాత్రలు పెరుగుదల నమొదు వారి సహకారం తో చేయటం.	అంగన్వాడీ కార్యకర్త, మహిళా శిశు  సంక్షేమ శాఖ వారు వైద్య మరియు ఆరోగ్య శాఖ
14. జాతీయ గ్రామీణ  త్రాగునీటి  పథకం	త్రాగునీటి సౌకర్యం పూర్తిగా లేదా పాక్షికంగా లేని గ్రామపంచాయితీలు, అందలి గ్రామాలు	ఒక్కోవ్యక్తికి రొజూకీ 40 లీటర్ల సురక్షిత త్రాగునీటి వనరుల సుస్త్ర్రరత త్రాగునీటి నాణ్యత – పరీక్ష్లు కలుషిత నీరు ఉన్న గ్రామాలకు ఇతర వనరులను గుర్తించి త్రాగునీటి సరఫరా మొదలగునవి.	గ్రామీణా నీటిసరపరా మరియు పారిశుద్య శాఖ (ఆర్. డబ్ల్యు.యస్,యస్)
15. మధ్యాహన భోజన పథకం	ఒకటవ తరగతి నుండి పదవ  తరగతి వరకు ప్రభుత్వ పాఠశాలల్లో విద్యను అభ్యసిస్తున్న్ బాలబాలికలు	మధ్యాహన భోజనం పాఠశాలలో ఉచితంగా అందించడం	స్వయం సహయక సంఘాలు, స్కూలు హెడ్ మాస్ట్ ర్ ఉమ్మడిగా విద్యా శాఖ
16. సాక్షర భారత్	వయొజన నిరక్షరాస్యులు (18 -50 సంవత్సరాల లోపు వయస్సు గల))	అక్షరాస్యత నిరంతర విద్య నైపుణ్యాభివ్రృద్ది.	గ్రామ పంచాయితీ   స్కూలు హెడ్ మాస్ట్ ర్ ఉమ్మడిగా విద్యా శాఖ
17.  రాజీవ్ గాందీ  పంచాయితీ స్వశక్తికరణ అభియాన్	స్థానిక సంస్థలు	పంచాయతీరాజ్ సంస్తల ప్రతినిదులకు సామర్త్యాలకు పెంపుదల అధికారాల బదిలీ ప్రణాలికలను సమర్ద వంతంగా తయారుచేసేలా చూడడం పంచాయితీల పరిపుష్టీకి నిదుల బదిలి.	పంచాయతీరాజ్  శాఖ   (కేంద్ర రాష్ట్ర ప్రభుత్వాలు)
18. రాష్ట్రీయ కృషి వికాస యోజన	చిన్న సన్న కారు రైతులు	మొత్తం 16 శాఖలకు సంబందించిన వ్యవహరాలు చూడడం ఈ క్రింది లబ్ది పొందవచ్చు(వ్యవసాయం, ఉద్యనవనం, మత్స్య పశుసంవర్దక పట్టు, పాడి, పౌల్ట్రి, మొదలగునవి.	వ్యవసాయ శాఖ ఇతర శాఖల అనుబంధంతో
19. నిర్మల్ భారత్  అభియాన్	వ్యక్తగత మరుగుదొడ్డి నిర్మాణం విషయంగా  మరుగుదొడ్డి సౌకర్యం లేని దారిద్ర్య రేఖకు దిగువన ఉన్న కుక్టుంబాలు మరియు క్రింది కేటగిరిలకు చెందిన  దారిద్ర్య రేఖకు ఎగువన ఉన్న కుటుంబాలు. -         ఎస్.సి.ఎస్ టి.  కుటుంబాలు. -         చిన్న సన్న కారు రైతులు -         -భూమి లేని కూలీలు	వ్యక్తగత మరుగుదొడ్డి నిర్మాణం రూ. 4,600/- ప్రోత్సాహకం.  రూ.4,500/- మహత్మగంధీ జాతీయ ఉపాది హమీ పథకం క్రింద వేతనం చెల్లింపు రూ.900/- లబ్దిదారుని వాటా వెరసి ఒక్కొ మరుగుదొడ్డి నిర్మాణానికి అంచనా వ్యయం రూ. 10,000/-	గ్రామీమా నీటి సరఫరా మరియు పారిశుద్య శాఖ  (ఆర్. డబ్ల్యు.యస్,యస్)  మరియు   మహత్మగాంధి జాతీయ గ్రామీణ హమీ పథకం
19 నిర్మల్ భారత్  అభియాన్	మహిళా గృహ యజమానిగా ఉన్న కుటుంబాలు అంగవైకల్యం గల వ్యక్తులు గల కుటుంబాలు మరియు ఇతర వ్యవస్తాగత   మరుగుదొడ్ల నిర్మాణం విషయంగా అసలు  మరుగుదొడ్లు లేని పాఠ శాలలు, అంగంవాడీ కేంద్రాలు విద్యార్థుల సంఖ్యకు సరిపడావసతులు లేని  పాఠ శాలలు,పబ్లిక్ ప్రదేశాలైన, బస్టాండ్లు, సంతలు, నాలుగు కూడళ్ళ ప్రాంతాలు మార్కెట్లలో  మరుగుదొడ్ల  అందుబాటులో లేనప్పుడు. ద్రవ. ఘన వ్యర్థ నిర్వహణ బహిర్నగా మలవిసర్జన నిర్మూలన.	వ్యవస్తాగత మరుగుదొడ్ల నిర్మాణం పాఠశాల మరుగుదొడ్ల నిర్మాణం : యూనిట్ విలువ రూ.35,000/- అంగంవాడీ మరుగుదొడ్ల నిర్మాణం: యూనిత్ విలువ రూ.8,000/- కమ్యూనిటి టాయిలెట్ల రూ.2 లక్ష్ల వరకు పారిశుద్ద్య వస్తు విక్రయ కేంద్రాలు ద్రవ, ఘన్ వ్యర్ద నిర్వాహణ జనాభా ప్రాతిపదికన రూ. 7.లక్షల నుండి 20 లక్షల వరకు.