The Bharatiya Janata Party (BJP)-led National Democratic Alliance (NDA) government has introduced and expanded several flagship welfare and development schemes since 2014. These initiatives focus on healthcare, financial inclusion, housing, women’s empowerment, farmers’ welfare, education, employment, and digital transformation.
1. Pradhan Mantri Jan Dhan Yojana (PMJDY)
Launch Year: 2014
Key Benefits
- Zero-balance bank account
- RuPay Debit Card
- Direct Benefit Transfer (DBT)
- Accident insurance cover
Official Website: https://pmjdy.gov.in
Screenshot to Insert: Homepage of PMJDY official website.
2. Ayushman Bharat – PM Jan Arogya Yojana (PM-JAY)
Launch Year: 2018
Benefits
- Health insurance up to ₹5 lakh per eligible family annually
- Cashless treatment at empanelled hospitals
- Covers major surgeries and hospitalization
Official Website: https://pmjay.gov.in
Screenshot to Insert: PM-JAY home page.
3. PM Kisan Samman Nidhi (PM-KISAN)
Launch Year: 2019
Benefits
- ₹6,000 annual financial assistance
- Paid in three installments directly into farmers’ bank accounts
Official Website: https://pmkisan.gov.in
Screenshot to Insert: PM-KISAN dashboard.
4. Pradhan Mantri Ujjwala Yojana (PMUY)
Benefits
- Free LPG connection for eligible women
- Promotes clean cooking fuel
- Reduces indoor air pollution
Official Website: https://www.pmuy.gov.in
Screenshot to Insert: Ujjwala homepage.
5. Pradhan Mantri Mudra Yojana (PMMY)
Benefits
- Business loans up to ₹20 lakh (subject to current scheme rules)
- Supports small businesses and entrepreneurs
- No collateral for eligible loans
Official Website: https://www.mudra.org.in
Screenshot to Insert: MUDRA portal.
6. PM Awas Yojana (PMAY)
Benefits
- Financial assistance for affordable housing
- Urban and rural housing schemes
- Subsidy through Credit-Linked Subsidy Scheme (where applicable)
Official Website: https://pmaymis.gov.in
Screenshot to Insert: PMAY portal.
7. PM Vishwakarma Scheme
Benefits
- Skill training
- Toolkit incentive
- Affordable loans
- Support for traditional artisans
Official Website: https://pmvishwakarma.gov.in
Screenshot to Insert: PM Vishwakarma homepage.
8. PM Surya Ghar Muft Bijli Yojana
Benefits
- Rooftop solar subsidy
- Reduced electricity bills
- Clean energy promotion
Official Website: https://pmsuryaghar.gov.in
Screenshot to Insert: PM Surya Ghar portal.
9. Digital India Mission
Objectives
- Digital governance
- Online public services
- Digital infrastructure
- Digital literacy
10. Skill India Mission
Benefits
- Free skill development training
- Industry-oriented courses
- Employment opportunities
Summary Table
| Scheme | Main Benefit | Target Beneficiaries |
|---|---|---|
| PM Jan Dhan Yojana | Banking | Every citizen |
| Ayushman Bharat | Health Insurance | Eligible families |
| PM-KISAN | ₹6,000/year | Farmers |
| PM Ujjwala | LPG Connection | Women |
| PM Mudra | Business Loan | Entrepreneurs |
| PM Awas Yojana | Housing | Economically weaker sections |
| PM Vishwakarma | Artisan Support | Traditional craftsmen |
| PM Surya Ghar | Solar Subsidy | Homeowners |
| Digital India | Digital Services | Citizens |
| Skill India | Skill Training | Youth |
Conclusion
The BJP-led NDA government has implemented numerous flagship schemes to improve financial inclusion, healthcare, housing, agriculture, entrepreneurship, and digital access. Citizens should always verify eligibility and apply only through the official government portals.
