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SSC CGL Schemes & Initiatives

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This page covers SSC CGL Schemes & Initiatives with complete concept notes, 30 graded practice MCQs, key points and exam-specific tips. Free to study.

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Concept Notes

Schemes & Initiatives— Rules & Concept

Core ConceptRead this first — the foundation of the topic
SSC CGL regularly asks

Who launched it? What is its purpose? Which ministry runs it

Think of each scheme as having 4 fixed tags

NAME of the scheme 2. LAUNCH YEAR 3. TARGET BENEFICIARY (who it helps) 4. NODAL MINISTRY (which ministry runs it) Memorize these 4 tags for every major scheme.

That alone covers 80% of exam questions. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ KEY RULES / PROPERTIES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Rule 1 — Central vs State: If the scheme is funded 100% by Centre, it is a Central Sector Scheme. If Centre and State share cost (usually 60:40 or 90:10), it is a Centrally Sponsored Scheme

Rule 2 — PM prefix schemes

Most schemes launched after 2014 carry the 'PM' or 'Pradhan Mantri' prefix. This itself is a trick question — examiners swap launch years

Rule 3 — Renamed Schemes

Many old schemes were renamed after 2014

Example

Rajiv Gandhi Grameen Vidyutikaran Yojana was renamed Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY) in 2015. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Formula BlockMemorise — at least one formula appears in every paper

(SHORTCUT TAGS)

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Shortcut Formula: Every scheme answer = NAME + YEAR + WHO + MINISTRY
Funding Pattern Formula: Central Sector = 100% Centre | Centrally Sponsored = 60:40 (Centre:State) for general states | 90:10 for Northeast/hilly states
Age Trick Formula: If scheme targets children under 6 years → think ICDS / Poshan Abhiyan. If it targets 14-18 years → think Samagra Shiksha or Skill India.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Exam PatternsWhat examiners ask — read before attempting PYQs

— WHAT GETS ASKED ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Pattern 1: 'Which scheme provides free LPG connections to BPL families?' → PM Ujjwala Yojana (2016) Pattern 2: 'Which ministry runs PM Fasal Bima Yojana?' → Ministry of Agriculture Pattern 3: 'What is the full form of PMJDY?' → Pradhan Mantri Jan Dhan Yojana Pattern 4: Year-swap trap — they give correct scheme name but wrong year. PMJDY was launched on 28 August 2014, NOT 2015. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

ShortcutsUse these to save 30–60 seconds per question
Trick 2 — YEAR GROUPING

Most 2015 schemes = Skill India, PMAY, AMRUT, Smart Cities. Most 2016 schemes = Ujjwala, PMFBY, Stand Up India. Group by year to reduce confusion

Trick 3 — BENEFICIARY SHORTCUT

If question says 'women Self Help Groups' → think DAY-NRLM. If it says 'street vendors' → think PM SVANidhi (2020). ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Worked ExampleSolve this step-by-step before moving on

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Question: PM Ujjwala Yojana was launched in which year and by which ministry? Step 1 — Recall the 4 tags: Name = PM Ujjwala Yojana Step 2 — Year: 2016 (launched 1 May 2016, Ballia, UP) Step 3 — Beneficiary: BPL women (free LPG connection) Step 4 — Ministry: Ministry of Petroleum and Natural Gas Answer: 2016 | Ministry of Petroleum and Natural Gas Trap avoided: Students often say Ministry of Women and Child Development — WRONG. LPG = Petroleum Ministry. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ WORKED EXAMPLE 2 ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Question: What is the insurance cover under PM Jeevan Jyoti Bima Yojana (PMJJBY)? Step 1 — Identify scheme type: Life insurance scheme for ages 18-50 Step 2 — Recall key number: Cover = Rs. 2 lakh on death Step 3 — Premium: Rs. 436 per year (revised; originally Rs. 330) Step 4 — Ministry: Ministry of Finance Answer: Rs. 2 lakh life cover | Ministry of Finance Do NOT confuse with PMSBY (Pradhan Mantri Suraksha Bima Yojana) which is ACCIDENT insurance, also Rs. 2 lakh, premium only Rs. 20/year. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

Exam TrapsCommon mistakes students make — avoid these

— #1 TRAP ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Students confuse PMJJBY (life insurance) with PMSBY (accident insurance). Both give Rs. 2 lakh cover. The difference: PMJJBY = any death, premium Rs. 436/year.

PMSBY = accidental death only, premium Rs. 20/year. Examiners love this swap. Always check the word LIFE vs ACCIDENT in the question.

Key Points to Remember

  • Every scheme has 4 tags to memorize: Name, Launch Year, Beneficiary, and Nodal Ministry.
  • Central Sector Scheme = 100% funded by Centre; Centrally Sponsored Scheme = 60:40 (Centre:State) funding ratio.
  • For Northeast and hilly states, the Centre-State funding ratio is 90:10 in Centrally Sponsored Schemes.
  • PM Jan Dhan Yojana (PMJDY) was launched on 28 August 2014 — the most date-swapped scheme in exams.
  • PM Ujjwala Yojana launched on 1 May 2016 — free LPG to BPL women — Ministry of Petroleum and Natural Gas.
  • Shortcut: PMJJBY = Life insurance, Rs. 2 lakh cover, Rs. 436/year premium | PMSBY = Accident insurance, Rs. 2 lakh cover, Rs. 20/year premium.
  • Skill India Mission, PMAY, AMRUT, and Smart Cities Mission were all launched in 2015 — group them together.
  • PM SVANidhi Scheme (2020) provides micro-loans to street vendors — Ministry of Housing and Urban Affairs.
  • DAY-NRLM (Deen Dayal Antyodaya Yojana - NRLM) targets women Self Help Groups for rural livelihood.
  • Renamed scheme trick: Rajiv Gandhi Grameen Vidyutikaran Yojana was renamed DDUGJY (Deen Dayal Upadhyaya Gram Jyoti Yojana) in 2015.

Exam-Specific Tips

  • PM Jan Dhan Yojana (PMJDY) was launched on 28 August 2014 — world's largest financial inclusion program.
  • PM Fasal Bima Yojana (PMFBY) was launched in 2016 and is run by the Ministry of Agriculture and Farmers Welfare.
  • PM Ujjwala Yojana was launched on 1 May 2016 from Ballia, Uttar Pradesh, targeting BPL women for free LPG connections.
  • Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) provides health cover of Rs. 5 lakh per family per year and was launched on 23 September 2018.
  • PM Kisan Samman Nidhi (PM-KISAN) provides Rs. 6,000 per year in 3 instalments of Rs. 2,000 each to farmer families, launched on 1 February 2019.
  • Stand Up India Scheme (2016) provides bank loans between Rs. 10 lakh and Rs. 1 crore to SC/ST and women entrepreneurs.
  • PM SVANidhi (PM Street Vendor's AtmaNirbhar Nidhi) was launched on 1 June 2020 for street vendors — Ministry of Housing and Urban Affairs.
  • Beti Bachao Beti Padhao Scheme was launched on 22 January 2015 from Panipat, Haryana, jointly run by three ministries: WCD, Health, and Education.
Practice MCQs

Schemes & Initiatives — Practice Questions

30graded MCQs · easy to hard · full solution & trap analysis · showing 20 of 30

All MCQs →
Practice 1easy

Under the Pradhan Mantri Jan Dhan Yojana (PMJDY), what is the overdraft facility provided to eligible account holders?

Practice 2easy

The Pradhan Mantri Awas Yojana (Urban) aims to construct how many houses by 2024?

Practice 3easy

Which ministry oversees the implementation of the Pradhan Mantri Skill Development Scheme (PMSDP)?

Practice 4easy

Under the Ayushman Bharat scheme, what is the maximum health coverage amount provided to eligible families per annum?

Practice 5easy

The Pradhan Mantri Matritva Vandana Yojana (PMMVY) provides cash assistance to pregnant women. What is the total amount of assistance provided under this scheme?

Practice 6easy

Which scheme, launched by the Government of India in 2015, aims to provide affordable housing to economically weaker sections and low-income groups in urban areas?

Practice 7easy

The Pradhan Mantri Jan Dhan Yojana (PMJDY), launched in 2014, primarily aims to provide which of the following to all citizens?

Practice 8easy

Under the Pradhan Mantri Kaushal Vikas Yojana (PMKVY), which ministry is primarily responsible for implementation and skill development training?

Practice 9easy

The Pradhan Mantri Fasal Bima Yojana (PMFBY), launched in 2016, provides crop insurance coverage to farmers against which of the following risks?

Practice 10easy

Which of the following is the primary objective of the Pradhan Mantri Kaushal Vikas Yojana (PMKVY)?

Practice 11medium

Under the Pradhan Mantri Fasal Bima Yojana (PMFBY), what is the maximum premium rate paid by farmers for commercial and horticultural crops?

Practice 12medium

The Pradhan Mantri Mudra Yojana (PMMY) was launched to provide collateral-free loans to micro and small enterprises. What is the maximum loan amount under this scheme?

Practice 13medium

The Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is implemented by which ministry/organization?

Practice 14medium

The Swachh Bharat Mission (Urban) was launched with a target to construct how many Individual Household Latrines (IHLs) and Community Sanitary Complexes (CSCs)?

Practice 15medium

The Pradhan Mantri Kaushal Vikas Yojana (PMKVY) was launched in which year, and which ministry oversees its implementation?

Practice 16medium

The Pradhan Mantri Kaushal Vikas Yojana (PMKVY) was launched in which year to provide skill development training to Indian youth?

Practice 17medium

Under the Pradhan Mantri Jan Dhan Yojana (PMJDY), what is the primary objective?

Practice 18medium

The Pradhan Mantri Ujjwala Yojana (PMUY) aims to provide LPG connections to which category of households?

Practice 19medium

The Pradhan Mantri Awas Yojana (Urban) aims to provide affordable housing to economically weaker sections. In which year was this scheme launched?

Practice 20medium

The Pradhan Mantri Awas Yojana (Urban) was launched in which year with the primary objective of providing affordable housing to economically weaker sections?

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60-Second Revision — Schemes & Initiatives

  • Remember: 4 tags for every scheme = Name + Year + Beneficiary + Ministry. This cracks 80% of questions.
  • Trap: PMJJBY (Life insurance, Rs. 436/year) vs PMSBY (Accident insurance, Rs. 20/year) — both give Rs. 2 lakh cover. Check LIFE vs ACCIDENT in the question.
  • Formula: Central Sector = 100% Centre funding | Centrally Sponsored = 60:40 general states | 90:10 Northeast/hilly states.
  • Remember: Year groups — 2015 batch: Skill India, PMAY, AMRUT, Smart Cities | 2016 batch: Ujjwala, PMFBY, Stand Up India.
  • Trap: PM Ujjwala Yojana is under Ministry of PETROLEUM — NOT Women and Child Development.
  • Remember: PM-KISAN = Rs. 6,000/year in 3 instalments of Rs. 2,000 | Ayushman Bharat = Rs. 5 lakh health cover per family.
  • Trick: 'Street vendors' = PM SVANidhi (2020) | 'BPL women SHGs rural' = DAY-NRLM | 'Children under 6' = ICDS/Poshan Abhiyan.
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