SENIOR CITIZENS SOCIAL SECURITY SCHEMES IN INDIA

 The elderly should be viewed as contributors to the process of development, and their ability to affect social betterment must be taken into account during policy and programme formulation at all levels

Senior Citizens are a treasure to our society. They have worked hard all these years for the development of the nation as well as the community. They possess a vast experience in different walks of life. The youth of today can gain from the experience of the senior citizens in taking the nation to greater heights. At this age of their life, they need to be taken care of and made to feel special. Indian Government provides several benefits through its schemes in various sectors of development.

1. Senior Citizens Saving Scheme (SCSS)

• This is a government-backed savings instrument offered to Indian residents above the age of 60.
• The deposit matures in five years and can be extended once for an additional three year period.
• One can avail this scheme either through a public/private bank or through the Indian Post office.
• interest rate for January to March 2019 has been set at 8.6 per cent and is reviewed by the government every quarter.
• The accrued interest is compounded and credited quarterly.
• A minimum deposit of Rs 1,000 and a maximum of Rs 15 lakh can be made via this scheme.
• Investments made under this scheme are eligible for tax exemptions.
• If, for some reason, you wish to withdraw money before the scheme matures, then there will be a penalty charge of 1.5 percent of deposit amount deducted in case the withdrawal is before two years, and 1 per cent after two years.
• If you wish to register for this scheme, the registration form can be downloaded here.

2. Pradhan Mantri Vaya Vandana Yojana (PMVVY)

• The scheme is managed by the Life Insurance Corporation of India (LIC).
• Under this scheme the beneficiary is assured of 8 per cent per annum return on the deposit. The ‘pension’, or the return will be payable for a period of 10 years and the beneficiary has the option of choosing the tenure of payment.
• One can subscribe to this until 30 March 2020.
• Under this scheme there is a cap on the amount that can be invested, an individual can invest upto Rs 15 lakh and a minimum of Rs 1,000.
• The scheme has no tax benefits.
• In case of death of the beneficiary before the completion of the tenure, the principal amount will be credited to the nominated beneficiary’s account.
• This scheme also has the provision for a premature exit in case of critical illness of self or spouse. In such a case 2 per cent will be withheld as a penalty charge.
• Further details about this scheme can be found here.

3. Varishta Pension Bima Yojana

• Launched by the LIC, this scheme provides its beneficiaries with a steady 8 per cent per annum interest rate for a period of 10 years.
• Unlike other schemes, one doesn’t have to go through any medical check-ups to avail its benefits.
• This scheme, however, has a lock in period of 15 years.
• If the policyholder is diagnosed with a critical illness then one can make an early withdrawal.
• Under this scheme the beneficiary will also get tax exemptions.
• If for some reason you are not satisfied with the scheme then you have 15 days from the start date to cancel it.
• You can opt to get the pension payout monthly, quarterly, half-yearly or annually.
• This is a single premium policy and the premium will vary depending on the pension amount you want.
• Single premium of Rs 6,66,665 enables the policyholder to receive Rs 5,000 per month and an annual premium of Rs 6,39,610 affords the pensioner a sum of Rs 60,000 per annum.
• You can download the form here and submit it along with medical reports, address proof, KYC documents, and existence certificate.

4. Rashtriya Vayoshri Yojana (RVY)

• Launched in 2017 by the Ministry of Social Justice & Empowerment of Government of India.
• This scheme is only available to those senior citizens who are below poverty line, that is, are BPL cardholders.
• Senior citizens suffering from low vision, hearing impairment, loss of teeth, and locomotor disability will be provided with assisted-living devices.
• A committee chaired by the Deputy Commissioner or District Collector with the help of the State governments identifies those who are eligible for this scheme.
• 30 per cent of the beneficiaries from each district will be women.
• Walking sticks, elbow crutches, walkers, hearing aids, wheelchairs, and artificial dentures are some of the aids that are provided under this scheme.
• The scheme will be implemented in 260 districts and benefit almost 5 lakh plus beneficiaries in 2019-2020.

5. Indira Gandhi National Old Age Pension Scheme

• Introduced in 2007 by the Ministry of Rural Development of India, this scheme is popularly known as National Old Age Pension Scheme (NOAPS).
• This scheme provides social assistance benefits to senior citizens, widows, and those with disabilities.
• Under this scheme the beneficiary will receive a monthly pension.
• The interesting part about this scheme is that it is a non-contributing scheme, which means that the beneficiary does not have to contribute any amount to receive the pension.
• The beneficiary must be a BPL cardholder and have no regular source of financial support from any other source.
• If the beneficiary is between 60 to 79 years old, a monthly amount of Rs 200 is given and for those above 80 years, a sum of Rs 500.
• The pension amount will be credited to the bank account as furnished by the beneficiary or post office account.
• You can get more details on how to apply for this scheme here.

REGARDING THE OLDAGE PESNION BENEFITS AND OTHER TAXATIONS FROM THE GOVERNMENT OF INDIA THE CITIZENS CAN REFER TO THE BELOW LINK

https://pensionersportal.gov.in/SeniorCitizenCorner.asp

CYBER CRIME COMPLAINT CHANNEL FOR WOMEN SAFETY

Cyberbullying or cyberharassment 

is a form of bullying or harassment using electronic means. Cyberbullying and cyberharassment are also known as online bullying. It has become increasingly common, especially among teenagers, as the digital sphere has expanded and technology has advanced. Cyberbullying is when someone, typically a teenager, bullies or harasses others on the internet and in other digital spaces, particularly on social media sites. Harmful bullying behavior can include posting rumors, threats, sexual remarks, a victims' personal information, or pejorative labels (i.e. hate speech). Bullying or harassment can be identified by repeated behavior and an intent to harm. Victims of cyberbulling may experience lower self-esteem, increased suicidal ideation, and a variety of negative emotional responses including being scared, frustrated, angry, or depressed.

NOTE

IF YOU OR YOUR KNOWN PERSONS WERE THE VICTIMS OF THIS KIND OF CRIME

PLEASE GIVE YOUR COMPLAINT IN THE BELOW GIVEN LINK

https://cyberbaap.org/cyberbullying/reporting/

AN OFFICER (VOLUME-1)

This is the Volume -1 of my Book  " AN OFFICER" 

For the Aspirants of UNION PUBLIC SERVICE COMMISSION- INDIAN CIVIL SERVICES

EXAMINATION

I will be uploading the Series in Volume modules so that Aspirants can make sure of Precise Learning

My wishes to those Aspirants who wanna Serve this Nation with INTEGRITY & HARMONY

TRUST YOUR INNER ABILITY------------------------------------YOU SHALL ACHIEVE

ATAL PENSION YOJANA ( EARLY SAVINGS- SECURE FUTURE)

Introduction 1.1
The Government of India is extremely concerned about the old age income security of the working poor and is focused on encouraging and enabling them to join the National Pension System (NPS). To address the longevity risks among the workers in unorganised sector and to encourage the workers in unorganised sector to voluntarily save for their retirement, who constitute 88% of the total labour force of 47.29 crore as per the 66th Round of NSSO Survey of 2011-12, but do not have any formal pension provision, the Government had started the Swavalamban Scheme in 2010-11. However, coverage under Swavalamban Scheme is inadequate mainly due to lack of guaranteed pension benefits at the age of 60

Benfits

Fixed pension for the subscribers ranging between Rs. 1000 to Rs. 5000, if he joins and contributes between the age of 18 years and 40 years. The contribution levels would vary and would be low if subscriber joins early and increase if he joins late.

Eligibility for APY 3.1

Atal Pension Yojana (APY) is open to all bank account holders. The Central Government would also co-contribute 50% of the total contribution or Rs. 1000 per annum, whichever is lower, to each eligible subscriber account, for a period of 5 years, i.e., from Financial Year 2015-16 to 2019-20, who join the NPS between the period 1st June, 2015 and 31st December, 2015 and who are not members of any statutory social security scheme and who are not income tax payers. However the scheme will continue after this date but Government Co-contribution will not be available. 3.2 The Government co-contribution is payable to eligible PRANs by PFRDA after receiving the confirmation from Central Record Keeping Agency at such periodicity as may be decided by PFRDA.

Age of joining and contribution period 4.1

The minimum age of joining APY is 18 years and maximum age is 40 years. The age of exit and start of pension would be 60 years. Therefore, minimum period of contribution by the subscriber under APY would be 20 years or more.


THE SCHEME DETAILS WERE PROVIDED UNDER

https://npscra.nsdl.co.in/nsdl/scheme-details/APY_Scheme_Details.pdf


https://npscra.nsdl.co.in/nsdl/scheme-details/APY_Brochure.pdf

TO APPLY FOR THIS SCHEME CLICK THE LINK BELOW

https://www.npscra.nsdl.co.in/scheme-details.php

  Toll Free Number -1800-110-069 of Atal Pension Yojana     

NATIONAL CAREER SERVICE PORTAL (PLATFORM FOR YOUR ASPIRATIONS)

National Career Service (NCS) project is a Mission Mode Project launched by the Ministry of Labour and Employment (India)Government of India for establishing quick and efficient career related services across the country by revaming the existing nation-wide set-up of Employment Exchanges into IT-enabled Career Centers. 
It was launched by Prime Minister Narendra Modi on 20 July 2015 as part of the government’s focus on providing right skills and generating employment

Currently, there are 1000+ employment exchanges across the country being operated by the concerned state governments. The aim is to transform these exchanges into IT-enabled career centers providing a digital platform to various stakeholders in the employment market.

The Career Centres are a modified version of Employment Exchanges which serve as a platform for addressing all career-related needs of the youth and students

To register and find out the jobs that suits your profile click the link below:

https://www.ncs.gov.in/Pages/default.aspx

ONLINE CERTIFICATE COURSES during COVID-19 LOCKDOWN by Government Of India

The Government has asked Indians to stay inside their houses. In that case, we have a lot of time to focus on developing our skills. So, free online courses, that provide certificates too, are a boon in disguise. You can upskill yourself, or learn something new. And the Indian Government is trying to keep us on our toes too. Thus, I have enlisted 5 such government portals that will help you take free online courses. And don’t forget to take a certificate when you are done.

1. NASSCOM

NASSCOM is offering free AI and Data Science courses. These courses that usually charge up to INR 7000, are currently available for free. You can learn various aspects of artificial intelligence such as AI trends and impact and career opportunities in the industry. You can also understand the impact that statistics has on AI research. The courses also teach Python as an AI Tool. The six courses available are:

Introduction to Artificial Intelligence (AI)

– SQL and Relational Databases 101

– Python for Data Science

– Algorithms

– Statistics 101

– Data Visualization with Python.

click the below link to access the NASSCOM

https://fslearning.nasscom.in/

2. SWAYAM

The SWAYAM platform is an MHRD initiative. It offers UGC’s course material as pdf and explanatory lecture videos from industry leaders. Not all courses on the portal are certificate-based, but they are more like help to UG/PG students of all streams. Some courses on the other hand, like those of Digital Marketing, Artificial Intelligence or Cybersecurity, are certificate-based. The UGC MOOCs portal is a vertical of the SWAYAM initiative of MHRD. 

click the below link to access the SWAYAM

https://swayam.gov.in/explorer

3. ICT

The ICT Initiative is another of MHRD initiatives. It provides online classes on various technological aspects like AI, computer languages and even DTH Industry. It is a part and parcel of the Swayam program. Simultaneously, students can download textbooks and reading material from the designated libraries. The portal has courses in affiliation with NIOS, IIMB, NPTEL and Fossee, Vlab etc. Begin learning from here.

4. iGOT

The iGOT platform is available on the DIKSHA Portal. The Department of Personnel and Training launched this platform to help in training frontline staff against COVID-19. It provides training and updates in coping with the pandemic. The 15+ courses are available in English and regional languages. It provides bite-sized lectures and self-paced learning. Teachers, doctors, nurses, paramedics, NCC staff etc can take online courses and be a part of the country’s fight against COVID-19.

5. AICTE ELIS Portal Launched

The All India Council for Technical Education launched an online training platform. They named it “Enhancement in Learning with Improvement In Skills (ELIS)”. Further, it offers free online courses from a single platform. These courses are sourced from 18 leading Ed-tech companies. These companies include edX, Guvi, Simpliv, Great Learning, etc. They are available for free till 15 May 2020. Enrol for the courses here.

Be Indian Buy Indian ...Lets build our India Back

YOU CAN MAKE A HUGE DIFFERENCE TO THE INDIAN ECONOMY BY FOLLOWING FEW SIMPLE STEPS:-

Here's a small example:-

In 2012 1 $ = IND Rs 52

Now 1 $ = IND Rs 66

Do you think US Economy is booming? No, but Indian Economy is Going Down.

Our economy is in your hands....

INDIAN economy is in a crisis. Our country like many other ASIAN countries, is undergoing a severe economic crunch. Many INDIAN industries are closing down. The INDIAN economy is in a crisis and if we do not take proper steps to control those, we will be in a critical situation.

More than 30,000 crore rupees of foreign exchange are being siphoned out of our country on products such as cosmetics, snacks, tea, beverages, etc... which are grown, produced and consumed here.

A cold drink that costs only 70 / 80 paisa to produce, is sold for Rs.9 and a major chunk of profits from these are sent abroad. This is a serious drain on INDIAN economy.

We have nothing against Multinational companies, but to protect our own interests we request everybody to use INDIAN products only at least for the next two years. With the rise in petrol prices, if we do not do this, the Rupee will devalue further and we will end up paying much more for the same products in the near future.

What you can do about it?

1. Buy only products manufactured by WHOLLY INDIAN COMPANIES.

2. ENROLL as many people as possible for this cause.....

Each individual should become a leader for this awareness. This is the only way to save our country from severe economic crisis. You don't need to give-up your lifestyle. You just need to choose an alternate product.

LIST OF PRODUCTS

COLD DRINKS:-

DRINK LEMON JUICE, FRESH FRUIT JUICES, CHILLED LASSI (SWEET OR SOUR), BUTTER MILK, COCONUT WATER, JAL JEERA, ENERJEE, and MASALA MILK...

INSTEAD OF COCA COLA, PEPSI, LIMCA, MIRINDA, SPRITE

BATHING SOAP:-

USE CINTHOL & OTHER GODREJ BRANDS, SANTOOR, WIPRO SHIKAKAI, MYSORE SANDAL, MARGO, NEEM, EVITA, MEDIMIX, GANGA , NIRMA BATH & CHANDRIKA

INSTEAD OF LUX, LIFEBUOY, REXONA, LIRIL, DOVE, PEARS, LESANCY, CAMAY, PALMOLIVE

TOOTH PASTE:-

USE NEEM, BABOOL, PROMISE, VICO VAJRADANTI, PRUDENT, DABUR PRODUCTS, MESWAK

INSTEAD OF COLGATE, CLOSE UP, PEPSODENT, CIBACA, FORHANS, MENTADENT.

TOOTH BRUSH: -

USE PRUDENT, AJANTA , PROMISE

INSTEAD OF COLGATE, CLOSE UP, PEPSODENT, FORHANS, ORAL-B

SHAVING CREAM:-

USE GODREJ, EMAMI

INSTEAD OF PALMOLIVE, OLD SPICE, GILLETE

BLADE:-

USE SUPERMAX, TOPAZ, LAZER, ASHOKA

INSTEAD OF SEVEN-O -CLOCK, 365, GILLETTE

TALCUM POWDER:-

USE SANTOOR, GOKUL, CINTHOL, WIPRO BABY POWDER, BOROPLUS

INSTEAD OF PONDS, OLD SPICE, JOHNSON'S BABY POWDER, SHOWER TO SHOWER

MILK POWDER:-

USE INDIANA, AMUL, AMULYA

INSTEAD OF ANIKSPRAY, MILKANA, EVERYDAY MILK, MILKMAID.

SHAMPOO:-

USE LAKME, NIRMA, VELVETTE

INSTEAD OF HALO, ALL CLEAR, NYLE, SUNSILK, HEAD AND SHOULDERS, PANTENE

MOBILE CONNECTIONS:-

USE BSNL, AIRTEL

INSTEAD OF HUTCH

Food Items:-

Eat Tandoori chicken, Vada Pav, Idli, Dosa, Puri, Uppuma

INSTEAD OF KFC, MACDONALD'S, PIZZA HUT, A&W

Every INDIAN product you buy makes a big difference. It saves INDIA. Let us take a firm decision today.

BUY INDIAN TO BE INDIAN - We are not against of foreign products.

WE ARE NOT ANTI-MULTINATIONAL. WE ARE TRYING TO SAVE OUR NATION. EVERY DAY IS A STRUGGLE FOR A REAL FREEDOM. WE ACHIEVED OUR INDEPENDENCE AFTER LOSING MANY LIVES.

THEY DIED PAINFULLY TO ENSURE THAT WE LIVE PEACEFULLY. THE CURRENT TREND IS VERY THREATENING.

MULTINATIONALS CALL IT GLOBALIZATION OF INDIAN ECONOMY. FOR INDIANS LIKE YOU AND ME, IT IS RE-COLONIZATION OF INDIA. THE COLONIST'S LEFT INDIA THEN. BUT THIS TIME, THEY WILL MAKE SURE THEY DON'T MAKE ANY MISTAKES.

WHO WOULD LIKE TO LET A "GOOSE THAT LAYS GOLDEN EGGS" SLIP AWAY?

PLEASE REMEMBER: POLITICAL FREEDOM IS USELESS WITHOUT ECONOMIC INDEPENDENCE

RUSSIA, S.KOREA, MEXICO - THE LIST IS VERY LONG!! LET US LEARN FROM THEIR EXPERIENCE AND FROM OUR HISTORY. LET US DO THE DUTY OF EVERY TRUE INDIAN.

FINALLY, IT'S OBVIOUS THAT YOU CAN'T GIVE UP ALL OF THE ITEMS MENTIONED ABOVE. SO GIVE UP AT LEAST ONE ITEM FOR THE SAKE OF OUR COUNTRY!

We would be sending useless forwards to our friends daily. Instead, please forward this note to all your friends to create awareness...!!

"LITTLE DROPS MAKE A GREAT OCEAN."