India's Pillars of Well-being

An exploration of Health, Nutrition, Social Security, and Urban Development initiatives shaping the nation's future and driving inclusive growth.

Diverse Indian communities benefiting from welfare schemes

Overall Introduction: Framework for Development

Health, nutrition, and social security are fundamental pillars of human development and a nation's well-being. Government schemes in these domains aim to ensure access to affordable healthcare, combat malnutrition, provide social safety nets against various life risks, and ensure basic amenities like sanitation and safe drinking water. These interventions, spearheaded by ministries like Health & Family Welfare, Women & Child Development, Food & Public Distribution, Finance, Labour & Employment, and Housing & Urban Affairs, are critical for poverty reduction, improving quality of life, and achieving inclusive growth and Sustainable Development Goals.

Health Systems Strengthening & Health Insurance

Introduction/Summary (Ministry of Health & Family Welfare)

Strengthening the health system across primary, secondary, and tertiary levels, and providing financial protection against high medical expenses are key priorities for the Ministry of Health & Family Welfare. Ayushman Bharat, with its twin components of HWCs and PM-JAY, is a flagship initiative in this direction. The National Health Mission continues to be the backbone of public health services, while newer missions like PM-ABHIM and ABDM aim to bolster infrastructure and leverage digital technologies. Affordable medicines through PMBJP and specialized programs like NOTP further complement these efforts.

A. Ayushman Bharat

It has two inter-related components:

Objective:

To provide Comprehensive Primary Health Care (CPHC) closer to the homes of people. Aims to transform existing Sub-Centres and Primary Health Centres into HWCs.

Target:

Establishment of 1.5 lakh HWCs by December 2022 (target achieved and exceeded).

Services Offered (Expanded range):

  • Care for maternal and child health services and communicable diseases.
  • Screening, prevention, control and management of non-communicable diseases (NCDs) like hypertension, diabetes, oral, breast, and cervical cancer.
  • Basic oral health care.
  • Care for common ophthalmic and ENT problems.
  • Elderly and palliative health care services.
  • Emergency medical services, including free essential drugs and diagnostic services.
  • Wellness activities like Yoga.

Significance:

Shifts focus from selective to comprehensive primary care, emphasizes promotive and preventive health. Forms the foundation of India’s healthcare system.

Objective:

To provide health insurance coverage to poor and vulnerable families for secondary and tertiary care hospitalization. Aims to protect them from catastrophic health expenditure.

Features:

  • World's largest government-funded health insurance scheme.
  • Provides health coverage of ₹5 lakh per family per year for secondary and tertiary hospitalization.
  • Beneficiary Identification: Based on socio-economic deprivations in rural areas and occupational categories in urban areas as per Socio-Economic Caste Census (SECC) 2011 data. Targets over 12 crore poor and vulnerable families (approx. 55 crore beneficiaries).
  • Cashless and Paperless: Services at empanelled public and private hospitals.
  • Portability: Beneficiaries can avail treatment in any empanelled hospital across the country.
  • Covers pre-hospitalization (3 days) and post-hospitalization (15 days) expenses.
  • Includes ~1,949 treatment packages.
  • No cap on family size or age of members.

Implementation:

Through State Health Agencies (SHAs) in states, either in insurance mode, trust mode, or mixed mode. National Health Authority (NHA) is the apex body for implementation.

Challenges:

  • Fraud and Abuse: False claims, unnecessary procedures by some empanelled hospitals.
  • Infrastructure Gaps: Shortage of empanelled hospitals, especially quality private hospitals, in rural and remote areas.
  • Human Resources: Shortage of specialist doctors and paramedics.
  • Portability: Smooth inter-state portability can be challenging due to varying IT systems and claim processes.
  • State Adoption & Integration: Some states have their own similar schemes and integration/co-branding can be complex. (e.g., West Bengal opted out).
  • Awareness among beneficiaries about entitlements and procedures.
  • Ensuring quality of care in empanelled hospitals.

Recent Developments:

Focus on fraud detection using AI/ML. Efforts to increase empanelment of private hospitals. Linking with Ayushman Bharat Digital Mission.

B. National Health Mission (NHM)

Objective

To provide accessible, affordable, accountable, and effective healthcare facilities in rural and urban areas. Focus on strengthening public health systems.

Components:

National Rural Health Mission (NRHM):
Focuses on strengthening primary healthcare infrastructure and human resources in rural areas. Key initiatives include Accredited Social Health Activists (ASHAs), Janani Suraksha Yojana (JSY), Janani Shishu Suraksha Karyakram (JSSK).
National Urban Health Mission (NUHM):
Aims to meet the healthcare needs of the urban poor, particularly slum dwellers, by strengthening primary healthcare delivery systems in urban areas.

Key Programs under NHM umbrella:

  • Reproductive, Maternal, Newborn, Child and Adolescent Health (RMNCH+A): Comprehensive strategy for maternal and child survival and well-being.
  • Disease Control Programs:
    • National TB Elimination Programme (NTEP): Aim to eliminate TB by 2025. Pradhan Mantri TB Mukt Bharat Abhiyan (community support). Nikshay Poshan Yojana (nutritional support).
    • National Vector Borne Disease Control Programme (NVBDCP): Malaria, Dengue, Chikungunya, Filaria, Kala-azar, Japanese Encephalitis.
    • National AIDS Control Programme (NACP): Prevention and control of HIV/AIDS.
    • National Programme for Prevention & Control of Cancer, Diabetes, Cardiovascular Diseases & Stroke (NPCDCS): Focus on NCDs.
    • National Mental Health Programme (NMHP): Aims to provide accessible mental healthcare. (National Tele MANAS programme launched for tele-mental health services).

Significance:

Backbone of public health service delivery in India. Has contributed to significant improvements in maternal and child health indicators.

C. PM Ayushman Bharat Health Infrastructure Mission (PM-ABHIM)

Details of PM-ABHIM

Objective:

To strengthen public health infrastructure, critical care facilities, and primary care in both urban and rural areas. Aims to fill critical gaps in public health infrastructure, especially at the district level and below, and enhance the country's preparedness for future pandemics/health emergencies.

Key Focus Areas:

  • Support for 17,788 rural HWCs and 11,024 urban HWCs.
  • Setting up Integrated Public Health Labs (IPHLs) in all districts.
  • Establishing Critical Care Hospital Blocks in all districts with population over 5 lakhs.
  • Strengthening the National Centre for Disease Control (NCDC), surveillance systems (Integrated Health Information Platform - IHIP).
  • Creating a network of labs and diagnostic services.
  • Expanding BSL-3/4 labs.

Significance:

Largest pan-India scheme for public health infrastructure strengthening post-COVID-19. Aims to build a resilient health system.

D. Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP)

Affordable Medicines - PMBJP

Objective:

To provide quality generic medicines at affordable prices to all, particularly the poor and disadvantaged, through exclusive outlets called Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJKs).

Features:

  • Kendras sell generic medicines which are equivalent in quality and efficacy to branded medicines but significantly cheaper.
  • Also sell surgical items and other medical devices.
  • Aims to reduce out-of-pocket expenditure on medicines.

Impact:

Increased access to affordable medicines. Significant savings for citizens. Target to increase number of Kendras to 10,000 by March 2024 (achieved and further expansion planned).

E. National Digital Health Mission (NDHM) / Ayushman Bharat Digital Mission (ABDM)

Objective:

To create a national digital health ecosystem that supports universal health coverage in an efficient, accessible, inclusive, affordable, timely and safe manner.

Key Building Blocks:

  • Ayushman Bharat Health Account (ABHA) / Health ID: A unique 14-digit randomly generated ID for every citizen for authentication and threading of health records.
  • Healthcare Professionals Registry (HPR): Repository of all healthcare professionals.
  • Health Facility Registry (HFR): Repository of all health facilities.
  • ABHA Mobile App: For managing health records.
  • Unified Health Interface (UHI): Open network to enable interoperability of digital health services.

Benefits (Potential):

Seamless access to health records, improved diagnosis and treatment, enhanced efficiency of healthcare delivery, better public health surveillance.

Challenges:

  • Data Privacy and Security: Protecting sensitive health data is paramount. (Digital Personal Data Protection Act, 2023 provides a framework).
  • Digital Literacy and Access: Ensuring inclusivity for those without digital access/skills.
  • Interoperability: Ensuring different IT systems can communicate.
  • Standardization of health data.
  • Consent management for sharing data.

F. National Organ Transplant Programme (NOTP)

Organ Donation - NOTP

Objective:

To promote organ donation from deceased persons, and transplantation for needy citizens, and to improve access to life-saving transplantation.

Key Components:

Setting up National/Regional/State Organ and Tissue Transplant Organizations (NOTTO/ROTTO/SOTTO), awareness campaigns, training for transplant coordinators.

Recent Update:

Government removed the 65-year age limit for registration for organ transplant from a deceased donor. Also removed domicile requirement for registration. (Source: News reports, Feb 2023).

Prelims-ready Notes (2.2.1)

  • Ayushman Bharat:
    • HWCs: Comprehensive Primary Health Care. 1.5 lakh target achieved.
    • PM-JAY: Health insurance (₹5 lakh/family/year) for secondary/tertiary care. SECC 2011 based. Cashless, portable. NHA is apex body.
  • NHM (National Health Mission): Umbrella (NRHM + NUHM). RMNCH+A, Disease Control (NTEP, NVBDCP, NACP, NPCDCS, NMHP).
  • PM-ABHIM (Ayushman Bharat Health Infrastructure Mission): Launched 2021. Public health infra strengthening (critical care, labs).
  • PMBJP (Pradhan Mantri Bhartiya Janaushadhi Pariyojana): Affordable generic medicines via PMBJKs. Impl by PMBI.
  • ABDM (Ayushman Bharat Digital Mission): Health ID (ABHA), HPR, HFR. Digital health ecosystem. Challenges: privacy, digital literacy.
  • NOTP (National Organ Transplant Programme): Promotes organ donation. NOTTO/ROTTO/SOTTO. Age limit (65 yrs) for deceased donor registration removed.

Mains-ready Analytical Notes (2.2.1)

  • Paradigm Shift with Ayushman Bharat: Move towards UHC. HWCs for comprehensive primary care, PM-JAY for financial protection & reducing OOPE.
  • Challenges in PM-JAY: Supply-side constraints, fiscal sustainability, awareness, data integrity of SECC 2011.
  • NHM - The Enduring Backbone: Crucial for IMR/MMR improvements. NCD focus vital. Urban primary healthcare (NUHM) needs more attention.
  • PM-ABHIM - Building Future Resilience: Response to COVID-19. Success depends on execution, coordination, staffing.
  • ABDM - Promise and Perils: Revolutionize access vs. data privacy, digital divide. DPDP Act is a step.
  • Affordable Medicines (PMBJP): Critical for reducing OOPE. Quality, availability, awareness are key.
  • Overall Synergy: Schemes must work together. Financial protection + quality care + digital tools.

Table: Key Health Schemes & Focus

SchemePrimary FocusKey Feature(s)/Target
Ayushman Bharat HWCComprehensive Primary Healthcare1.5L+ centres, expanded services including NCDs, wellness.
Ayushman Bharat PM-JAYHealth Insurance (Secondary/Tertiary Care)₹5 lakh/family/year, SECC based, cashless, portable.
NHMPublic Health System Strengthening (Rural & Urban)RMNCH+A, Disease Control Programs (TB, Malaria, HIV, NCDs etc.), ASHA workers.
PM-ABHIMPublic Health Infrastructure DevelopmentCritical care blocks, public health labs, surveillance systems.
PMBJPAffordable Generic MedicinesJan Aushadhi Kendras, quality generics at low prices.
ABDMDigital Health EcosystemABHA (Health ID), digital health records, HPR, HFR.

Conclusion for Health Systems Strengthening & Health Insurance: India's health sector is undergoing a significant transformation with ambitious schemes aimed at achieving universal health coverage, strengthening infrastructure, and leveraging digital technologies. While progress is being made, addressing challenges related to quality, equity, human resources, financial sustainability, and effective implementation is crucial for realizing the vision of a healthy India.

Nutrition & Food Security

Introduction/Summary (Ministry of Women & Child Development, Department of Food & Public Distribution)

Ensuring food security and addressing malnutrition are critical for human capital development and national progress. The National Food Security Act (NFSA) provides a legal entitlement to subsidized foodgrains. POSHAN Abhiyaan and ICDS (now Saksham Anganwadi & Poshan 2.0) focus on improving nutritional outcomes, especially for children, pregnant women, and lactating mothers. PM-POSHAN (Mid-Day Meal) addresses classroom hunger and nutrition for school children. PMGKAY provided crucial additional food support during the pandemic.

A. National Food Security Act (NFSA), 2013

Objective:

To provide for food and nutritional security in human life cycle approach, by ensuring access to adequate quantity of quality food at affordable prices to people to live a life with dignity.

Coverage:

  • Up to 75% of the rural population and up to 50% of the urban population for receiving subsidized foodgrains under Targeted Public Distribution System (TPDS). Overall, nearly two-thirds of the population.
  • Beneficiaries identified by States/UTs based on criteria evolved by them.

Entitlements:

  • Priority Households (PHH): 5 kg of foodgrains per person per month at subsidized prices of ₹3/2/1 per kg for rice/wheat/coarse grains respectively.
  • Antyodaya Anna Yojana (AAY) households: Continue to receive 35 kg of foodgrains per household per month at the same subsidized prices.
  • Pregnant Women and Lactating Mothers: Entitled to maternity benefit of not less than ₹6,000 (partially met by PMMVY). Also, free meals during pregnancy and six months after child birth through Anganwadi Centres.
  • Children (6 months to 14 years): Age-appropriate meals through ICDS and Mid-Day Meal Scheme.

PDS Reforms (under NFSA and otherwise):

  • End-to-end Computerization: Digitization of beneficiary data, online allocation of foodgrains, computerization of supply chain management to reduce leakages.
  • Aadhaar Seeding: Linking Aadhaar with ration cards for de-duplication and better targeting.
  • ePoS (Electronic Point of Sale) devices: At Fair Price Shops (FPS) for biometric authentication of beneficiaries.
  • Portability - One Nation One Ration Card (ONORC): Allows beneficiaries, especially migrants, to access their entitled foodgrains from any FPS across the country using their existing ration card with biometric authentication. (Achieved near national rollout).

Challenges:

Inclusion/exclusion errors in beneficiary identification, quality of foodgrains, leakages (though reduced), FPS viability, grievance redressal.

B. POSHAN Abhiyaan (National Nutrition Mission)

Objective:

To achieve improvement in nutritional status of Children (0-6 years), Adolescent Girls, Pregnant Women and Lactating Mothers in a time bound manner. Aims to reduce malnutrition in the country in a phased manner through a life cycle approach.

Targets (Key ones, to be achieved by 2022, progress ongoing):

  • Reduce stunting in children (0-6 years) by 2% per annum (Mission target of 25% by 2022 from NFHS-4 levels).
  • Reduce under-nutrition (underweight prevalence) in children (0-6 years) by 2% p.a.
  • Reduce anaemia among young Children (6-59 months) by 3% p.a.
  • Reduce anaemia among Women and Adolescent Girls (15-49 years) by 3% p.a.
  • Reduce Low Birth Weight (LBW) by 2% p.a.

Strategies:

  • Convergence: Among various ministries/schemes (WCD, Health, Drinking Water & Sanitation, Rural Dev, etc.).
  • Technology Usage (ICT-RTM): Use of ICDS-CAS (Common Application Software) by Anganwadi Workers for real-time monitoring, growth monitoring, service delivery tracking.
  • Intensified Health & Nutrition Services: For the first 1000 days (conception to 2 years of age).
  • Jan Andolan (People's Movement): Community mobilization and awareness generation.
  • Behavior Change Communication (BCC).

Challenges:

Effective convergence on the ground, capacity building of frontline workers, ensuring quality of services, addressing social determinants of malnutrition (sanitation, poverty, women's education).

Recent Developments:

Now subsumed under Saksham Anganwadi and Poshan 2.0 which aims for a holistic approach. Data from NFHS-5 (2019-21) shows mixed progress on nutritional indicators.

C. Integrated Child Development Services (ICDS)

ICDS Overview

Objective:

Holistic development of children (0-6 years), pregnant women, and lactating mothers.

Services (through Anganwadi Centres - AWCs):

  • Supplementary Nutrition.
  • Pre-school non-formal education.
  • Nutrition & health education.
  • Immunization (in convergence with Health Dept.).
  • Health check-up (in convergence with Health Dept.).
  • Referral services.

Significance:

One of the world's largest programs for early childhood development.

Challenges:

Quality of supplementary nutrition, infrastructure of AWCs, capacity and motivation of Anganwadi Workers (AWWs) and Helpers (AWHs), effective convergence with health services.

Recent Modernization (Saksham Anganwadi and Poshan 2.0):

Announced in Budget 2021-22, an integrated nutrition support programme. Aims to strengthen nutritional content, delivery, outreach, and outcomes. Focus on ECCE, upgrading Anganwadis. Includes ICDS, POSHAN Abhiyaan, Scheme for Adolescent Girls, National Crèche Scheme.

D. PM Garib Kalyan Anna Yojana (PMGKAY)

PMGKAY Details

Objective:

To provide additional free foodgrains (rice or wheat) to beneficiaries covered under NFSA, to mitigate hardship during the pandemic.

Entitlement:

Initially 5 kg per person per month, in addition to their regular NFSA entitlement.

Phases & Extension:

Launched for April-June 2020, extended multiple times. The scheme for providing free foodgrains to NFSA beneficiaries (combining NFSA entitlement and PMGKAY-like additional quantity, making the regular NFSA foodgrains free) has been extended for five years from January 1, 2024 to December 31, 2028. (Source: Cabinet decision, Nov/Dec 2023, PIB).

Implications:

  • Food Security: Provided crucial support to millions during economic distress.
  • Fiscal Implications: Significant cost to the exchequer (food subsidy bill increased substantially).
  • Impact on buffer stocks.

E. Mid-Day Meal Scheme (now Pradhan Mantri POSHAN Shakti Nirman - PM-POSHAN)

Objective:

To enhance enrolment, retention and attendance and simultaneously improving nutritional levels among children studying in Government and Government-aided primary (Classes I-V) and upper primary (Classes VI-VIII) schools, and also pre-primary (Balvatikas).

Entitlement:

Hot cooked meal with specified nutritional content.

Nutritional Impact:

Addresses classroom hunger, improves concentration, provides vital micronutrients.

Challenges:

Quality and hygiene of meals, infrastructure for cooking and storage, pilferage of foodgrains, caste-based discrimination in some areas, timely release of funds.

Recent Developments under PM-POSHAN:

  • Extension to students of Balvatikas (pre-primary classes) in government schools.
  • Emphasis on Social Audit, School Nutrition Gardens, involvement of FPOs and Women SHGs.
  • Focus on Tithi Bhojan (community participation).

Prelims-ready Notes (2.2.2)

  • NFSA, 2013:
    • Dept: Food & Public Dist. Covers 75% rural, 50% urban.
    • Entitlement: PHH (5kg/person/month), AAY (35kg/household/month) at ₹3/2/1 for rice/wheat/coarse. Maternity benefit (₹6k), child meals.
    • PDS Reforms: ePoS, Aadhaar, ONORC (portability).
  • POSHAN Abhiyaan (National Nutrition Mission):
    • Ministry: WCD. Launched: 2018.
    • Targets: Reduce stunting, under-nutrition, anaemia, LBW.
    • Strategy: Convergence, ICT-RTM (ICDS-CAS), Jan Andolan. (Now part of Saksham Anganwadi & Poshan 2.0).
  • ICDS (Integrated Child Development Services):
    • Ministry: WCD. Launched: 1975. Via Anganwadis.
    • Services: Suppl. nutrition, pre-school edu, health/nutrition edu, immunization, health check-up, referral.
    • Now part of Saksham Anganwadi & Poshan 2.0.
  • PMGKAY (PM Garib Kalyan Anna Yojana):
    • Dept: Food & Public Dist. Launched: Mar 2020 (COVID relief).
    • Additional free foodgrains to NFSA beneficiaries. Free foodgrains to NFSA beneficiaries (combining regular & additional qty) extended for 5 years from Jan 1, 2024.
  • PM-POSHAN (Mid-Day Meal Scheme):
    • Ministry: Education. Renamed 2021.
    • Goal: Improve enrolment, retention, attendance, nutrition in schools (Class I-VIII + Balvatikas). Hot cooked meal.
    • Focus on Social Audit, Nutrition Gardens.

Mains-ready Analytical Notes (2.2.2)

  • Food Security - Rights-Based: NFSA marks shift from welfare to legal entitlement. Strengthens PDS demand.
  • ONORC - Game Changer: Improves food access for migrants. Success depends on IT, Aadhaar, awareness.
  • Malnutrition - Persistent Challenge: High stunting, wasting, anaemia (NFHS-5). Multi-dimensional; needs multi-sectoral approach (POSHAN). Address determinants (sanitation, water, education, poverty). Saksham Anganwadi & Poshan 2.0 for integrated approach.
  • PMGKAY - Welfare vs. Fiscal Prudence: Vital during pandemic, but long-term extension has fiscal implications. Impacts food markets, crop diversification.
  • PM-POSHAN - More than a Meal: Improves attendance, learning. Linkages with local agriculture beneficial. Quality, hygiene, equity critical.
  • Climate-Resilient Food Systems: Need policies for climate-resilient crops, sustainable agriculture.
  • Bio-fortification & Diet Diversity: Focus on nutritional quality, not just quantity.

Table: Nutrition & Food Security Schemes - Focus

SchemePrimary FocusKey Entitlement/FeatureImplementing Ministry/Dept.
NFSA, 2013Legal Right to Subsidized Foodgrains5kg/person (PHH), 35kg/HH (AAY); Maternity benefit; ONORC.Food & Public Distribution
POSHAN AbhiyaanMalnutrition Reduction (Stunting, Wasting, Anaemia)Convergence, Tech (ICDS-CAS), Jan Andolan. (Part of Saksham Anganwadi & Poshan 2.0)Women & Child Development
ICDSHolistic Early Childhood DevelopmentAnganwadi services (nutrition, pre-school, health). (Part of Saksham Anganwadi & Poshan 2.0)Women & Child Development
PMGKAYAdditional Food Security (COVID relief & beyond)Free foodgrains to NFSA beneficiaries.Food & Public Distribution
PM-POSHAN (Mid-Day Meal)Nutrition & Education for School ChildrenHot cooked meal in schools (Class I-VIII + Balvatikas).Education

Conclusion for Nutrition & Food Security: Ensuring food and nutritional security for all citizens is a paramount national goal. While India has a comprehensive legal framework (NFSA) and various schemes like POSHAN Abhiyaan, ICDS, and PM-POSHAN, persistent challenges in malnutrition and effective delivery of PDS require continuous efforts. Strengthening convergence, leveraging technology, promoting community participation, and addressing the social determinants of malnutrition are key to achieving desired outcomes.

Social Security & Pension Schemes

Introduction/Summary (Ministry of Finance, Ministry of Labour & Employment)

Social security schemes aim to provide a safety net against various life risks such as old age, disability, death, and unemployment, particularly for vulnerable sections and workers in the unorganized sector. The government has launched several insurance and pension schemes like PMJJBY, PMSBY, and APY to expand social security coverage. NSAP provides non-contributory pensions, while PM-SYM targets unorganized workers. ESIC and EPFO cater to the formal sector. ABRY was a COVID-era employment stimulus.

A. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

PMJJBY Details

Objective:

To provide a low-cost life insurance cover to people, especially those in the unorganized sector and economically weaker sections.

Eligibility:

Available to people in the age group of 18 to 50 years having a bank account who give their consent to join / enable auto-debit.

Benefits:

Renewable one-year life cover of ₹2 lakh in case of death due to any reason.

Premium:

₹436 per annum (revised from ₹330 w.e.f. June 1, 2022). Auto-debited from bank account.

B. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

PMSBY Details

Objective:

To provide a low-cost accidental death and disability insurance cover.

Eligibility:

Available to people in the age group of 18 to 70 years having a bank account who give their consent to join / enable auto-debit.

Benefits:

  • ₹2 lakh for accidental death or total and irrecoverable loss of both eyes or loss of use of both hands or feet.
  • ₹1 lakh for total and irrecoverable loss of sight of one eye or loss of use of one hand or foot.

Premium:

₹20 per annum (revised from ₹12 w.e.f. June 1, 2022). Auto-debited.

C. Atal Pension Yojana (APY)

Objective:

To provide a defined pension for citizens, mainly targeting the unorganized sector workers, after the age of 60 years.

Eligibility:

Any citizen of India between 18-40 years of age having a savings bank account/post office savings bank account. (From Oct 1, 2022, income tax payers are not eligible to join APY).

Features:

  • Guaranteed minimum monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 at the age of 60 years, based on contributions made.
  • Contribution amount varies with age of entry and chosen pension amount.
  • Central Government co-contributes 50% of the subscriber's contribution or ₹1,000 per annum, whichever is lower, for 5 years for those who joined before March 31, 2016, and are not income tax payers and not covered by any statutory social security scheme. (This co-contribution feature is largely phased out for new subscribers).

Significance:

Addresses old age income security for the vast unorganized sector.

D. National Social Assistance Programme (NSAP)

Objective:

To provide social assistance benefits to poor households in the case of old age, death of primary breadwinner and maternity. The scale of assistance is modest but aims to ensure minimum national standards.

Components:

  1. Indira Gandhi National Old Age Pension Scheme (IGNOAPS): For BPL persons aged 60 years or above. Pension amount varies (e.g., ₹200 p.m. for 60-79 yrs, ₹500 p.m. for 80+ yrs from Central share; States add their share).
  2. Indira Gandhi National Widow Pension Scheme (IGNWPS): For BPL widows aged 40-79 years.
  3. Indira Gandhi National Disability Pension Scheme (IGNDPS): For BPL persons aged 18-79 years with severe or multiple disabilities.
  4. National Family Benefit Scheme (NFBS): Lump sum assistance of ₹20,000 to a BPL household on the death of the primary breadwinner (aged 18-59 years).
  5. Annapurna Scheme: Provides 10 kg of foodgrains per month free of cost to destitute senior citizens not receiving old age pension. (Limited coverage).

Challenges:

Low pension amounts, identification of beneficiaries (BPL lists often outdated), delays in payment.

E. Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM)

PM-SYM Details

Objective:

To provide old age protection to Unorganised Workers (UW) in the form of a monthly pension.

Eligibility:

Unorganised workers (e.g., street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washermen, rickshaw pullers, landless labourers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, audio-visual workers) whose monthly income is ₹15,000 or less and belong to the entry age group of 18-40 years. They should not be covered under ESIC, EPFO or NPS, and not be an income tax payer.

Features:

  • Voluntary and contributory pension scheme.
  • Assured monthly pension of ₹3,000 on attaining the age of 60 years.
  • Matching contribution by the Central Government.

Similar schemes: PM Kisan Maan-Dhan Yojana (PM-KMY) for small & marginal farmers; PM Laghu Vyapari Maan-Dhan Yojana (PM-LVMY) for small shopkeepers/traders.

F. Employees' State Insurance Corporation (ESIC) & Employees' Provident Fund Organisation (EPFO)

ESIC & EPFO (Formal Sector)

Target Group:

Workers in the organized/formal sector.

ESIC (under ESI Act, 1948):
Provides comprehensive social security benefits like medical care, sickness benefit, maternity benefit, disablement benefit, dependents' benefit in case of employment injury or occupational disease. Applicable to factories/establishments with 10 or more employees.
EPFO (under EPF & Miscellaneous Provisions Act, 1952):
Manages provident fund, pension (Employees' Pension Scheme - EPS'95), and insurance (Employees' Deposit Linked Insurance Scheme - EDLI'76) for employees in covered establishments (generally 20 or more employees).

Significance:

Provide crucial social security for a segment of the formal workforce.

Challenges:

Extending coverage to all formal sector workers, ensuring compliance by employers, portability of benefits, timely settlement of claims. Universal Account Number (UAN) by EPFO enhances portability.

G. Aatmanirbhar Bharat Rojgar Yojana (ABRY)

ABRY Details

Objective:

To boost employment generation in the formal sector and incentivize creation of new employment opportunities during the COVID-19 recovery phase.

Features:

Central Government provided subsidy for two years in respect of new employees engaged on or after October 1, 2020 and up to June 30, 2021 (later extended). Subsidy was credited upfront in Aadhaar seeded EPFO accounts, covering both employee’s and employer’s share of contribution (24% of wages) for establishments up to 1000 employees, and only employee’s share (12%) for establishments with more than 1000 employees.

Significance:

A fiscal stimulus measure aimed at job creation and formalization.

Prelims-ready Notes (2.2.3)

  • PMJJBY (Jeevan Jyoti Bima): Min: Finance. Launched: 2015. Age: 18-50. Life cover: ₹2 lakh (any death). Premium: ₹436/year.
  • PMSBY (Suraksha Bima): Min: Finance. Launched: 2015. Age: 18-70. Accidental death/disability: ₹2 lakh (death/full disability), ₹1 lakh (partial). Premium: ₹20/year.
  • APY (Atal Pension Yojana): Min: Finance (PFRDA). Launched: 2015. Age: 18-40. For unorganized sector. Guaranteed monthly pension (₹1k-5k) after 60. Tax payers ineligible from Oct 2022.
  • NSAP (National Social Assistance Prog.): Min: Rural Dev. Launched: 1995. CSS (Core of Core). Non-contributory. Components: IGNOAPS, IGNWPS, IGNDPS, NFBS, Annapurna.
  • PM-SYM (Shram Yogi Maan-Dhan): Min: Labour & Emp. Launched: 2019. For Unorganised Workers (UW). Pension: ₹3,000/month after 60. Entry age 18-40. Income <₹15k/month. Matching contribution by Govt.
  • ESIC & EPFO: For formal sector workers. ESIC (health, sickness, maternity etc.), EPFO (PF, pension, insurance).
  • ABRY (Aatmanirbhar Bharat Rojgar Yojana): COVID-era employment stimulus via EPFO subsidy.

Mains-ready Analytical Notes (2.2.3)

  • Expanding Social Security: PMJJBY, PMSBY, APY, PM-SYM aim to cover unorganized sector (>90% workforce). JAM trinity crucial.
  • Challenges in Unorganised Sector Schemes: Awareness, enrolment, premium affordability/regularity, claim settlement, portability.
  • NSAP - Need for Enhancement: Pension amounts stagnant, inadequate. Need revision of amounts & eligibility.
  • Formal Sector Social Security (ESIC/EPFO): Compliance, service delivery, fund management challenges. Code on Social Security, 2020 aims to amalgamate laws, cover gig workers (implementation ongoing).
  • Gig Economy & Social Security: New challenges. Code on Social Security, 2020 attempts to address; schemes & funding evolving.
  • Fiscal Implications: Significant. Balancing welfare with fiscal sustainability is key.
  • Need for Universal Social Security: Many advocate for a basic floor of protection for all citizens.

Table: Social Security & Pension Schemes - Overview

SchemePrimary FocusTarget GroupKey Benefit(s)
PMJJBYLife InsuranceAll bank account holders (18-50)₹2 lakh life cover (any cause)
PMSBYAccident InsuranceAll bank account holders (18-70)₹2 lakh (accidental death/full disability), ₹1 lakh (partial disability)
APYOld Age PensionUnorganised Sector (18-40)Guaranteed monthly pension (₹1k-5k) after 60.
NSAPSocial Assistance (Pension)BPL Elderly, Widows, DisabledMonthly pension (IGNOAPS, IGNWPS, IGNDPS), family benefit (NFBS).
PM-SYMOld Age PensionUnorganised Workers (18-40)₹3,000 monthly pension after 60.

Conclusion for Social Security & Pension Schemes: Providing social security is a key responsibility of a welfare state. India has made significant strides in expanding insurance and pension coverage, especially for the unorganized sector, through schemes like PMJJBY, PMSBY, APY, and PM-SYM. However, challenges related to awareness, enrolment, adequacy of benefits, and reaching the most vulnerable persist. Strengthening these schemes and moving towards a more comprehensive and universal social security framework, including for new forms of employment like gig work, is crucial for inclusive development.

Sanitation & Water in Urban Areas

Introduction/Summary (Ministry of Housing & Urban Affairs)

Ensuring adequate sanitation and safe drinking water in rapidly urbanizing India is critical for public health, environmental sustainability, and quality of life. The Ministry of Housing & Urban Affairs (MoHUA) spearheads flagship programs like the Swachh Bharat Mission-Urban (SBM-U) to achieve cleanliness and waste management goals, and AMRUT to improve water supply and sewerage infrastructure in urban areas.

A. Swachh Bharat Mission (SBM) - Urban Phase I & II

Objectives:

SBM-U Phase I:
  • Achieve 100% Open Defecation Free (ODF) status in all urban areas.
  • 100% scientific solid waste management in all statutory towns.
  • Generate awareness and bring about behavior change regarding sanitation practices.
SBM-U Phase II (ODF+ and ODF++ and Water+ Focus):
  • Sustain ODF outcomes.
  • Achieve ODF+ status for all statutory towns (focuses on O&M of community/public toilets and ensuring faecal sludge/septage management).
  • Achieve ODF++ status for all statutory towns (focuses on complete faecal sludge and septage management, including treatment and reuse/disposal).
  • Achieve Water+ certification for cities (focuses on treatment of wastewater before discharge into water bodies and reuse of treated wastewater).
  • Focus on source segregation of solid waste, processing of all municipal solid waste, and remediation of all legacy dumpsites.
  • Making all cities ‘Garbage Free’ (Star Rating Protocol for Garbage Free Cities).

Components:

Construction of individual household toilets (IHHL), community/public toilets, solid waste management (SWM) infrastructure, IEC activities. SBM-U 2.0 adds focus on wastewater treatment, faecal sludge management, and remediation of old landfills.

Achievements (Phase I):

Urban India declared ODF. Significant progress in toilet construction and SWM coverage.

Challenges:

  • Sustainability of ODF status (behavior change, O&M of toilets).
  • Effective solid and liquid waste management (segregation, processing, scientific disposal).
  • Managing legacy waste dumpsites.
  • Capacity of Urban Local Bodies (ULBs) for implementation and O&M.
  • Funding for capital-intensive waste management projects.

Recent Developments:

Swachh Survekshan (annual cleanliness survey) drives competition among cities. Focus on circular economy principles in waste management.

B. Atal Mission for Rejuvenation and Urban Transformation (AMRUT 2.0)

Objective:

AMRUT 1.0:
Ensure that every household has access to a tap with assured supply of water and a sewerage connection; increase amenity value of cities by developing greenery and well-maintained open spaces; and reduce pollution by switching to public transport or constructing facilities for non-motorized transport.
AMRUT 2.0:
  • Aims to provide 100% coverage of water supply to all households in around 4,700 statutory towns (universal coverage of water supply).
  • Provide 100% coverage of sewerage and septage management in 500 AMRUT cities.
  • Rejuvenation of water bodies and creation of green spaces.
  • Promote circular economy of water through development of City Water Balance Plan for each city focusing on recycle/reuse of treated sewage, rejuvenation of water bodies and water conservation.
  • Promote data-led governance in water sector through ‘Pey Jal Survekshan’.

Funding:

Central assistance to states/UTs for projects. States prepare State Water Action Plans (SWAPs).

Features:

Focus on project implementation by ULBs, capacity building, reform implementation (e.g., energy audit, water audit, urban planning).

Challenges:

  • Huge investment required for universal coverage of water and sewerage.
  • Ensuring source sustainability for water supply.
  • Capacity of ULBs for project planning, execution, and O&M.
  • Ensuring quality of water supplied.
  • Achieving financial sustainability of water utilities (user charges).

Recent Developments:

Emphasis on technology use (SCADA systems), public-private partnerships. "Pey Jal Survekshan" to foster competition among cities for better water service delivery.

Prelims-ready Notes (2.2.4)

  • SBM-U (Swachh Bharat Mission - Urban):
    • Ministry: MoHUA. Phase I (2014-19) - ODF. Phase II (2021-26) - ODF+, ODF++, Water+, Garbage Free Cities.
    • Focus: Toilets, SWM, faecal sludge mgt, wastewater treatment, legacy dumpsite remediation. Swachh Survekshan.
  • AMRUT (Atal Mission for Rejuvenation and Urban Transformation) 2.0:
    • Ministry: MoHUA. AMRUT 2.0 (2021-26).
    • Goal: Universal water supply coverage in all statutory towns. 100% sewerage/septage mgt in 500 AMRUT cities.
    • Focus: Circular economy of water, City Water Balance Plan, Pey Jal Survekshan.

Mains-ready Analytical Notes (2.2.4)

  • SBM-U - Impact and Sustainability: Significant ODF improvement. Sustainability challenges: O&M, behavior change, waste processing. Waste hierarchy crucial.
  • AMRUT - Addressing Urban Water Woes: Addresses water pressure from urbanization. Challenges: investment, source sustainability, ULB capacity, financial viability. Circular economy of water key.
  • Role of ULBs and Citizen Participation: ULB capacity critical. Citizen participation vital (waste segregation, water conservation, paying for services).
  • Climate Change and Urban Resilience: SBM-U & AMRUT need to incorporate climate resilience (stormwater mgt, rainwater harvesting).
  • Interlinkages: Sanitation, water, public health linked. Complement health schemes. JJM (Rural) + AMRUT (Urban) for universal water access.

Table: Urban Sanitation & Water Schemes - Focus

SchemePrimary FocusKey Target(s)/Component(s)
SBM-U 2.0Sustainable Sanitation & Waste ManagementODF+, ODF++, Water+ status; Garbage Free Cities; Source segregation; Legacy dumpsite remediation.
AMRUT 2.0Universal Water Supply & Sewerage Management100% tap water coverage in all towns; 100% sewerage/septage mgt in 500 cities; Circular economy of water.

Conclusion for Sanitation & Water in Urban Areas: Ensuring sustainable sanitation and universal access to safe water in urban areas are formidable challenges that SBM-U and AMRUT aim to tackle. While significant progress has been made, particularly in achieving ODF status, the focus now needs to be on sustainability, comprehensive waste management, ensuring water security through a circular economy approach, and strengthening the capacities of ULBs. These efforts are crucial for creating healthy, livable, and resilient cities.

Overall Relevance for UPSC

Prelims Relevance
  • Scheme Specifics: Objectives, launch year, nodal ministry, target beneficiaries, key features/components (e.g., PM-JAY coverage amount, NFSA entitlements, APY pension amounts, SBM-U ODF+/++ criteria), funding pattern (CS/CSS), recent updates or targets.
  • Acronyms and Full Forms: HWC, PM-JAY, NHM, PM-ABHIM, PMBJP, ABDM, ABHA, NFSA, ONORC, POSHAN, ICDS, PMGKAY, PM-POSHAN, PMJJBY, PMSBY, APY, NSAP, PM-SYM, ESIC, EPFO, SBM-U, AMRUT.
  • Concepts: Comprehensive Primary Health Care, SECC data usage, ODF+/ODF++/Water+, Circular Economy of Water, Stunting/Wasting/Anaemia targets.
  • Institutions: NHA, PMBI, PFRDA, ESIC, EPFO, NCDC.
  • Data/Targets: PM-JAY coverage, NFSA coverage, POSHAN Abhiyaan targets, PM-ABHIM outlay, PMBJP Kendra targets.
Mains Relevance

GS-II (Social Sector, Welfare, Health, Poverty, Governance):

  • Critical analysis of flagship schemes: performance, impact, challenges, suggestions.
  • Healthcare financing, accessibility, affordability, quality.
  • Malnutrition as public health challenge and policy responses.
  • Food security system, PDS reforms, ONORC.
  • Social security for unorganized sector.
  • Urban governance: sanitation, water supply.
  • Role of technology in service delivery.
  • Implementation bottlenecks, Centre-State coordination.

GS-III (Inclusive Growth, Govt. Budgeting):

  • Fiscal implications of welfare schemes.
  • Impact of health/nutrition on economic productivity, demographic dividend.

Understanding these schemes is vital for analyzing India's progress on human development indicators, the effectiveness of its welfare state, and the challenges in achieving inclusive and sustainable growth. The ability to link these schemes, discuss their convergence (or lack thereof), and critically evaluate their impact with recent data or examples is key for Mains.