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Welfare Scheme Architecture
6.1 Central Schemes for Weaker Sections
| Scheme |
Target Group |
Key Provision |
| PM Awas Yojana-Gramin (PMAY-G) |
Rural poor/SC/ST |
Free houses; 3.4 crore built (2016–24); 2.95 lakh/unit (plains), 3.30 lakh (hills) |
| MGNREGS |
Rural poor, SC/ST/women priority |
100 days guaranteed employment; SC/ST must get at least 60% of work in their area |
| PM Jan Dhan Yojana (PMJDY) |
Poor, SC/ST, women |
Financial inclusion; 52 crore accounts; Rs 2 lakh accident insurance |
| National Food Security Act (NFSA 2013) |
BPL + Priority households |
Subsidised grain (5 kg/person/month at Rs 2–3); 81 crore beneficiaries |
| Ayushman Bharat-PMJAY |
BPL/SC/ST/backward |
Rs 5 lakh/year health cover; 55 crore beneficiaries; 27,000+ empanelled hospitals |
| PM Scholarship for SC/ST |
SC/ST students |
Pre-matric: Rs 225–525/month; Post-matric: Rs 570–1,200/month; 55 lakh beneficiaries |
| Stand-Up India |
SC/ST, women entrepreneurs |
Bank loans Rs 10 lakh–1 crore; at least 1 SC/ST and 1 woman borrower per bank branch |
| Nai Roshni |
OBC/minority women |
Leadership training; 1 crore women trained (2012–2022) |
6.2 National Commissions for Weaker Sections
| Commission |
Constitutional Article |
Function |
| NCSC (National Commission for SC) |
Article 338 |
Investigates and monitors SC safeguards; submits annual report to President |
| NCST (National Commission for ST) |
Article 338A |
Monitors ST rights; can recommend President's Rule in States |
| NCBC (National Commission for Backward Classes) |
Article 338B (102nd Amendment, 2018) |
Advises on OBC inclusion/exclusion |
| NCW (National Commission for Women) |
NCW Act 1990 |
Reviews women's legal safeguards; investigates complaints |
| NCPCR (Child Rights Commission) |
POCSO/CPCR Act 2005 |
Monitors child rights; investigates child abuse |
