The central government has launched a new scheme to make the daughters of the country self-reliant and skilled. The name of this scheme is ‘Navya’. This scheme has been brought especially for girls aged 16 to 18 years. Its purpose is to train them in such works which till now were generally considered to be associated with boys or men.

The pilot project is implemented in 27 districts of 9 states

The Navya Yojana was launched on 24 June from Sonbhadra district of Uttar Pradesh. This is a pilot project, which has currently been started in 27 districts of 9 states. These districts also include those areas which are called ‘aspirational districts’, i.e. where more help is needed socially and economically.

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Daughters will be taught new age skills

Under the Navya Yojana, girls will be taught such professional skills which are in great demand in today’s time. Training will be given in modern skills like graphics designing, drone assembling, mobile repairing, solar panel installation, CCTV installation, smartphone technician work and professional makeup artist.

Started under Prime Minister’s Skill Development Scheme

Navya Yojana has been jointly launched by the Ministry of Women and Child Development and the Ministry of Skill Development and Entrepreneurship. This is a special effort linked to the vision of Developed India 2047. Under this, girls will be given commercial training so that they can become self-reliant and get better employment opportunities in the future.

Which girls will get the benefit of this scheme?

The benefit of this scheme will be available only to those girls who have passed at least 10th standard and whose age is between 16 to 18 years. That is, girls who take the first step towards making a career after school can get a big benefit from this scheme.

7 hours special training module prepared

For this scheme, the government has prepared a special training module of 7 hours. It will not only provide technical training but will also provide information on communication skills, understanding income and expenditure, how to behave in the workplace, and legal rights like POSH and POCSO, so that girls can be fully prepared for professional life.

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Currently waiting for the application process

The official process of application for this scheme has not been announced yet. It is likely that applications will be invited through the website of the Ministry of Women and Child Development or the Ministry of Skill Development or from a new portal. As soon as the government shares its information, the application process can be started on it.

Why is this scheme special?

Because this is not just a plan to provide training, but it is an attempt to change the mindset. Even today, in many places, daughters are considered limited to only traditional jobs. Navya Yojana is trying to break that mindset, so that daughters can become anything from graphic designers to drone technicians.

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In this regard, registration camps will soon be organized in various districts, ITIs, polytechnics, industrial areas and Vikas Bhawans.

Youth between the ages of 21 and 40 can take a loan to set up an industry. The person concerned must have at least 8th pass and any technical training certificate. The interest on the loan will be paid by the state government for four years. Along with this, the state government will also pay 10 percent margin money. The applicant must have Aadhaar number, Aadhaar-linked mobile number, education and technical education certificates and PAN card (interest free loan). Project reports related to the scheme will be made available through the portal itself.

Loans up to Rs 5 lakh will be available for micro-industries and service sector projects. If the project cost is up to Rs 10 lakh, the remaining amount will have to be arranged by the beneficiary himself. Beneficiaries of the general category will have to contribute 15% of the project cost, Other Backward Classes will have to contribute 12.5%, and Scheduled Castes/Tribes and Persons with Disabilities will have to contribute 10% as their own contribution.

100% interest subsidy on the loan will be given for four years. In the second phase of the scheme, beneficiaries will be eligible for projects up to a maximum of Rs 10 lakh. An additional grant of Rs 1 per transaction and a maximum of Rs 2,000 per year will be given to encourage digital transactions.

What is the age limit ?

The applicant should be between 21 and 40 years of age. The documents required for the application include passport size photograph, Aadhar card, PAN card, educational and training certificates and project report. Without this you will not get the benefit of the scheme. Attach all the documents properly while applying.

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Although it is helpful in preparing a better fund in the future for the employed, but you can also start it in the name of your child. After the child becomes an adult, he can operate the account under PPF. Through this scheme, the child can get a good fund when the child becomes an adult, so that the goals like higher education can be easily fulfilled.

Income tax benefit is also available in PPF account under section 80C. In this, you can take advantage of tax exemption on investment up to 1.5 lakh annually. The interest received in this scheme and the amount received on maturity are tax free. There is also the facility of loan and partial withdrawal against the account opened in the name of the child.

Scheme can be extended even after maturity

The maturity of PPF account is 15 years. But it can be extended for further 5-5 years with prior notice. You can invest a minimum of Rs 500 and a maximum of Rs 1.50 lakh annually in this account. However, if there is an account in the name of any of the parents other than the child, then the maximum amount will be 1.5 lakhs annually.

PPF: Return Calculator

Maximum Monthly Deposit: Rs 12,500
Maximum Annual Deposit: Rs 1,50,000
Interest Rates: 7.1 percent per annum Compounding
After 15 years Amount on Maturity: Rs 40,68,209
Total Investment: Rs
22,50,000 Interest Benefit: Rs 18,18,209

If the scheme is extended by 5 years

Maximum Monthly Deposit: Rs 12,500
Maximum Annual Deposit: Rs 1,50,000
Interest Rates: 7.1 per cent Compounding
p.a. Amount on Maturity after 20 years: Rs 66.58 lakh
Total Investment: 30 lakh
Interest Benefit: Rs 36.58 lakh

If the scheme is extended by 10 years

Maximum Monthly Deposit: Rs 12,500
Maximum Annual Deposit: Rs 1,50,000
Interest Rates: 7.1 per cent Compounding p.a.
Amount on Maturity after 25 years: Rs 1.03 crore
Total Investment: 37.50 lakh
Interest Benefit: Rs 65.58 lakh

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