However, now the new scheme on which the Andhra Pradesh government is working will give beneficiaries a free LPG cylinder in every quarter of a financial year. Let us understand this scheme in detail.

What is the government’s plan

According to the Times of India report, the Andhra Pradesh government has decided to adopt the Direct Beneficiary Transfer (DBT) system to implement the free LPG cylinder scheme. The DBT system will initially be launched in the state’s NTR and Guntur districts as a pilot project. The government has decided to implement this scheme across the state only after studying the results of the pilot project.

The plan was announced in November last year

The Andhra Pradesh government launched a scheme for free LPG cylinders in the month of November last year. The government had promised to give one cylinder free in every quarter of the financial year. According to the current guidelines of the scheme, consumers do not need to pay the price of the cylinder to the distributor. Let us tell you that this scheme is for BPL card holders.

How the scheme will work

Under the scheme, distributors will supply cylinders without charging any amount from its beneficiaries. The state government has signed a Memorandum of Understanding with oil companies to ensure smooth supply of LPG cylinders, promising to pay the full amount immediately after the booking is completed every quarter. The Ministry of Civil Supplies and Consumer Affairs, acting as the nodal agency, believes that this is the best way to implement the free cylinder scheme as it will be transparent.

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If you are also getting upset seeing your bill, then this government scheme can help you. You can apply for the central government’s PM Surya Ghar Free Electricity Scheme. The government approved this scheme on 29 February 2024. Under the scheme, people get 300 units of electricity free every month. Let’s know what is the specialty of the scheme.

What is PM Surya Ghar Free Electricity Scheme?

Under this initiative of the government, solar panels will be installed on the roof of the house. On installing solar panels, subsidy will be available from both the central and state governments. Along with saving on electricity consumption of the house, the electricity bill will also be reduced. Also, up to 300 units of electricity will be available free every month. Under this scheme, the government will spend Rs 75,021 crore and it will be implemented across the country by 2026-27. The government has currently set a target of reaching it to 1 crore houses by 2027.

How will this scheme work?

Under this scheme, the government provides 60% subsidy on systems up to 2kW. For systems ranging from 2kW to 3kW, 40% subsidy is available on additional capacity. Subsidy is given on units up to a maximum of 3kW.

Total subsidy on 1kW system is Rs 30,000.

Rs 60,000 on 2kW system

A subsidy of up to Rs 78,000 is available on 3kW or more. In this, extra help is provided by the state government.

Who can apply under the scheme

To apply for PM Surya Ghar Yojana, the applicant must be an Indian citizen. There should be space on the roof of the house to install solar panels. The house should have a valid electricity connection. The family should not have taken any solar subsidy earlier. The annual income of the family should be less than Rs 1.5 lakh.

Process to apply

First, visit the national portal. Select your state and discom. Register on the portal. View details like system size, cost, subsidy and vendor rating. Choose a registered seller and get the solar unit installed.

This scheme is a big step towards promoting solar rooftop capacity, making homes self-reliant and providing energy security to every citizen. This government scheme is being run by the National Program Implementation Agency (NPIA) and at the state level by State Implementation Agencies (SIAs). Discoms have been instructed to do net metering, inspection, vendor management and connecting buildings to solar.

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The scheme started in the year 2017

Ajeevika Grameen Express Yojana was launched in the year 2017. The Government of India decided to keep this scheme as a part of Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM). Under DAY-NRLM, self-help groups operate road transport services in backward areas.

how does it work

The scheme uses the Community Investment Fund (CIF) provided to the Community Based Organization (CBO) under DAY-NRLM. The beneficiary SHG member is given an interest free loan of up to Rs 6.50 lakh by the CBO from its Community Investment Fund to purchase the vehicle. Alternatively, the CBO can also take ownership of the vehicle and lease it to the SHG member for running the vehicle and the CBO will receive lease rent.

All vehicles under the scheme have a prescribed colour code. These vehicles have the branding of Ajeevika Grameen Express Yojana to ensure their identification and to avoid them from being diverted to other routes.

The government makes people aware

Let us tell you that the government keeps creating awareness about this scheme from time to time. Efforts are also made to create awareness through social media platforms. In this connection, the Ministry of Rural Development has informed about the scheme on social media platforms.

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Through this scheme, the government wants to move the women of the country forward towards self-employment.

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PM Narendra Modi The government led by PM Modi has taken a big step and officially launched the Unified Pension Scheme (UPS) for central government employees. UPS has been notified. Last year itself

UPS was launched by striking a balance between the Old Pension Scheme (OPS) and the National Pension Scheme (NPS), which provides guaranteed pension to government employees after retirement. Its purpose is to ensure financial security to the employees. The central government has said that employees who have already retired or are currently working under NPS since 2004 can select this scheme.

The Unified Pension Scheme was notified by the government on 25 January 2025 last month. The Unified Pension Scheme will be applicable to such central government employees. Who come under NPS and choose the UPS option under it. Any Indian citizen between the ages of 18 and 70 can voluntarily enroll in NPS.

According to a Navbharat Times report, under NPS, the employee contributes 10 percent of his basic salary, while the government contributes 14 percent. The government’s contribution to UPS has increased to 18.5%, while employees will continue to contribute 10 percent of their basic salary and dearness allowance. Apart from this, UPS is only for those government employees. Who have opted for NPS, while private employees can also opt for NPS if their employer has adopted the contribution.

It is known that under the Unified Pension Scheme, the Central Government has made a provision of fixed pension for its employees. Under UPS, government employees will now be entitled to get 50 percent of the average basic salary received in the last 12 months before retirement as pension. Here it must be noted that the minimum service period should be 25 years to get 50 percent of the salary as pension.

The new pension scheme also guarantees a minimum pension of Rs 10,000 per month on retirement after a minimum of 10 years of service. That is, central employees will get a fixed pension of at least Rs 10,000. After the implementation of UPS from April 1, 2025, this contribution of the government will be 18.5% of the basic salary of the employee. In such a situation, the additional burden on the government treasury will be Rs 6250 crore in the first year.

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On the auspicious occasion of Diwali, you can invest in this scheme to secure your future at the financial level. The name of the scheme we are going to tell you about today is Public Provident Fund Scheme.

You get many great benefits by investing in this scheme. At present, you are getting an interest rate of 7.1 percent on investing in this scheme. Public Provident Fund Scheme is quite popular in the country. In this episode, let us know about this scheme in detail –

In the Public Provident Fund scheme, you have to invest your savings for 15 years. After the completion of the maturity period of 15 years, you can extend your investment period for another five years.

In this scheme, you can invest a minimum of Rs 500 and a maximum of Rs 1.5 lakh annually. If you want to invest in a good scheme for a long period, then this scheme can prove to be the best for you.

In this context, let us understand the math of investment with the help of which you can invest five thousand rupees and collect Rs 16.27 lakh in a few years. For this, first of all you have to open an account in the PPF scheme.

After opening an account in PPF scheme, you have to save five thousand rupees every month and invest 60 thousand rupees annually in this scheme. You will have to make this investment for a total of 15 years. If calculated at the current interest rate of 7.1 percent, then at the time of maturity you will have a total of Rs 16,27,284.

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These schemes are for all categories of people, which provide many benefits ranging from tax benefits to guaranteed returns. More and more people like to invest in these savings schemes. It has many benefits, let us know the benefits of Small Saving Scheme.

1. Guaranteed Returns

Small savings schemes include Public Provident Fund i.e. PPF, Senior Citizen Savings Scheme, Sukanya Samriddhi Yojana etc. All these small saving schemes give guaranteed returns. In this you know that you are going to get this much amount in this time.

2. Financial Independence and Stability

If you have invested in small savings schemes, then it has so much potential that it gives financial independence and stability to yourself and your family. Small savings schemes serve as the foundation of secure, regular income and a strong financial strategy.

3. Income tax exemption

Many small savings schemes provide the benefit of tax exemption. Under Section 80C of Income Tax, you can save up to Rs 1.5 lakh. Schemes like PPF, Senior Citizen Saving Scheme, Time Deposit and FD provide the benefit of tax exemption.

4. Minimum investment

Investors will have to make minimum investment. Depending on the small savings schemes, the amount can range from ₹250 to ₹1,000. You can also invest small amounts in these schemes.

5. Income assurance

In today’s time, people are investing in risky places like share market and mutual funds. Whereas small saving schemes provide assurance of income. With a fixed interest, you know in advance how much amount you will get on maturity. Meaning you will be guaranteed to get income in the future.

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