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The scheme “Self-Employment Scheme for Dependents of Prisoners” was launched by the Department of Social Justice, Government of Kerala.

Benefit: Under the scheme, the maximum amount of financial assistance to a family will be ₹30,000/- at a time. Note: Financial assistance shall be given only once for the dependents of a prisoner for the purpose.

The scheme aims to support scheduled castes and scheduled tribes families below the poverty line through concessional loans and subsidies for self-employment in various sectors.

Benefit: Financial Assistance: Loan Amount: Project loans from ₹20,000/- to ₹7,00,000/- through nationalized banks.- Subsidy: 50% of the project cost or up to ₹10,000/- as government subsidy.- Margin Money: 25% of project cost provided at 4% annual interest.

The scheme aims to provide a grant of 25% of the loan amount (for loans ranging from ₹1 lakh to ₹10 lakh) to individuals belonging to minority communities, who are permanent residents of Uttarakhand, for the purpose of self-employment.

Benefit: Under this scheme, a grant is provided for self-employment. On taking a loan of ₹1 lakh to ₹10 lakh, a grant of 25% of the loan amount is given, with a minimum grant of ₹25,000/- and a maximum of ₹2,50,000/-. - The benefit of the scheme is available only on taking a loan, in which 60% of the project cost is provided as a loan, 25% as grant/subsidy by the department, and 15% as contribution by the applicant. - Interest on the loan will be charged according to the current prevailing rates of the bank.

"Nana Vyavasay Mate Loan Yojana" is a component under the "Self-Employment Scheme" that provides financial assistance in the form of a loan to establish or expand small businesses such as grocery shops, medical stores, bookstores, etc.

Benefit: Financial Assistance: Loan up to ₹10,00,000/- or actual expenditure, whichever is lower.

"Transport/ Logistics/ Travels/ Food Court Wyaaj Sahaay" is a component under the "Self-Employment Scheme" that provides 5% interest subsidy on a bank loan of ₹6,00,000/- for purchasing vehicles and setting up the required infrastructure.

Benefit: Interest Subsidy: A 5% subsidy on the interest for a bank loan of ₹6,00,000/-.

"Vahan Loan Sahay Yojana" is a component under the "Self-Employment Scheme" that provides on-road unit cost to self-employed individuals for purchasing vehicles such as rickshaws, loading rickshaws, Maruti cars, and jeep taxis.

Benefit: Financial Assistance: On-road unit cost for vehicles like rickshaws, loading rickshaws, Maruti, jeep-taxi, etc.

The scheme “Semi-Commercial Duck Farming” started under the State Sector Scheme "Encouragement of Commercial Poultry Entrepreneur and Promotion of Backyard Poultry Production" to support small entrepreneurs in setting up Duck farms with a capacity of 1000 ducks.

Benefit: The individual beneficiary will be provided a maximum of 40% subsidy. Training will be organized at the Block Head Quarter level or any other convenient place after the final approval of the list. Each beneficiary will be trained on recommended management practices on feeding and watering, brooding and rearing young ducks, record keeping, etc. The concerned Livestock Inspectors, Gomitras and PraniMitras will guide the beneficiaries in field for managing the duck units. Routine vaccination of birds on a priority basis. The Block Veterinary Officer (BVO) will provide all technical guidance to the farmer for maintaining proper veterinary health care and immunization of the ducks. The beneficiary shall directly procure quality ducklings from reputed sources which will be facilitated by the respective BVOs. Note: The subsidy will be released in two phases through DBT mode to the individual beneficiary. The 1st installment of 40% of the eligible subsidy will be released after the construction of the duck shed and 2nd installment of the eligible subsidy shall be released after the stocking of ducklings.

Introduced in 2004 by the Govt. of India, SCSS offers a steady stream of income for individuals over 60 years old. As it is a government-backed scheme, there is minimal risk associated with SCSS. Individuals can apply for this scheme in post offices and public and private banks.

Benefit: Benefits: Hassle-Free Process: Individuals can open their accounts at any post office or authorized bank in India. SCSS Tax Benefits: Under Section 80C of the Income Tax Act, the principal amount invested in this scheme is eligible for deduction up to a limit of ₹1.5 lakhs in a year. Furthermore, interest earned on SCSS is taxable according to an individual’s tax slab. However, if the amount exceeds ₹50,000 for a fiscal, TDS (Tax Deducted at Source) is applicable. High-Interest Rate: SCSS offers an interest rate of 7.4% per year. Features: Varying Interest Rates: The SCSS interest rate is modified once in every 3 months. Therefore, this rate of interest is subject to revision 4 times in a year. Assured Returns: The returns on this scheme are issued as it is a government-backed instrument. Moreover, contrary to market-linked investments, which are subject to fluctuations, SCSS is safe and offers assured returns to individuals. Maturity Duration: SCSS comes with a maturity period of 5 years. That said, one can extend the scheme for another 3 years by submitting a duly filled-up Form B. Nonetheless, in this regard, the interest rate as per the quarter is levied. Deposit Limit: Individuals can deposit a minimum of ₹ 1,000 to open their accounts. Moreover, one can deposit ₹ 15 lakh or the amount of retirement benefit, whichever is lower. Account Closure: Deductions are made against premature withdrawals. If closed before a period of 2 years, 1.5% deduction will be made as a penalty. Furthermore, if closed after 2 years, 1% is deducted. However, for extended accounts, one can withdraw funds post one year without attracting penalties. Quarterly Disbursals: One can expect quarterly disbursements against the deposited amount. The interest gets credited to the account on the 1st of April, July, October, and January. Nomination Option: The account holder can register a nominee to the Senior Citizens Saving Scheme. So, if the account holder passes away before maturity, the nominee will receive the due amount.

Launched on 1st January 1966, the scheme "Senior Hostel (Scheduled Tribes)" by the Tribal Welfare and Scheduled Caste (SC) Department, Government of Madhya Pradesh provides free accommodation and mess facilities to students from studying in Class 9th to 12th in a government/recognized school.

Benefit: Free Accommodation and Mess Facilities.

The SERB - POWER Fellowship is designed to identify and reward excellent women researchers in Indian academic institutions and R&D laboratories, holding Ph.D. degrees in any branch of science and engineering.

Benefit: Fellowship of ₹15,000/- per month in addition to regular income. 1. Research grant of ₹10 Lakhs per annum. Research grants can be used for minor equipment, research personnel, consumables, contingencies, and domestic travel. 1. Overheads for the host institute.

The aim of the ‘SERB - POWER Research Grants’ is to encourage emerging and eminent women researchers for individual-centric and competitive mode of research funding to undertake R&D activities in frontier areas of science and engineering.

Benefit: Nature and Duration of Support : POWER Grants will empower women researchers by funding them under the following two categories: - Level I: The scale of funding up to ₹60 lakhs for three years. - Level II: The scale of funding up to ₹30 lakhs for three years. - The POWER Grant is provided for equipment, manpower, consumables, travel, and contingency. "Overheads" is also being provided to the implementing institution as per prevailing norms of SERB. Note: POWER Grant will be regulated through terms of reference conforming to SERB-CRG guidelines.

The Science and Engineering Research Board (SERB), a statutory body under the Department of Science and Technology, Government of India has launched "SERB International Research Experience (SIRE)".

Benefit: The selected fellows will be paid a monthly fellowship amount equivalent to US $ 3000. 1. One-time Contingency/Preparatory allowances of ₹75,000/- to cover visa fees, airport transfer charges, insurance, etc., 1. Overseas Medical Insurance in India and abroad of ₹20,000/-. 1. The selected fellows will also be provided the shortest route economy class airfare from their place of work in India to the place of the host institute and back. Note 01: The maximum duration of the abroad visit is limited to 06 months. Note 02: For scientists/researchers in regular employment, rules governing payment of salary, leave, medical, gratuity, GPF pension, etc. of the organization/ institution/ university to which the fellow belongs would continue to be applicable as per their institutional norms. No liability on any of these will be borne by SERB.

SERB Board has launched a new ‘SERB Research Scientist (SRS) Scheme’ for the awardees of INSPIRE Faculty and Ramanujan Fellowships, who fail to secure regular positions after completion of the regular tenure of five years in the respective schemes.

Benefit: The “SERB Research Scientists” will be entitled to receive the grants as given below: Sl. No.Budget HeadAmount1Emolument Consolidated amount of ₹1,20,000/- per month2Research Grant₹7,00,000/- per annum3Overheads₹1,00,000/- per annum All Inclusive Note 01: Research grants can be used for minor equipment, consumables, contingencies, and travel. There is no provision for providing manpower support under this scheme. The Research Scientist is expected to undertake the research objectives by himself/herself during the entire duration of the SRS Scheme. Note 02: The SERB Research Scientists are not eligible to receive any other research project/fellowship from any Government or Non-Governmental source during the tenure of the Scheme. Note 03: The SERB Research Scientists must seek the consent of SERB if he/she intends to be away from the implementing institute (except for field work related to the project) continuously for a period of more than eight weeks. Leave: - SERB Research Scientists are entitled to leave as per the rules of the host institution. - Participation in scientific workshops held in India or abroad will be treated as on duty. - Maternity leave as per the Govt. of India instructions issued from time to time would be available to female candidates in all categories.

The scheme "Sero Positive Illness Scheme" by the Social Justice and Empowerment Department, Government of Gujarat aims to provide educational scholarships to orphaned and destitute children affected by Sero Positive illness.

Benefit: Level of Study Day Scholars HostellersStd. 1 to 5 ₹500 (₹50/month for uniform) + ₹1,500 annually-Std. 6 to 10₹1,000/- (₹100/month for uniform) + ₹1,500 annually -Class 11-12 ₹4,000/- (₹400/month for fees and books for ten months)₹10,000/- (Rs. 400/- per month for fees and books for ten months and ₹600/- per month for food and hostel charges)B.A./B.Com./B.Sc and equivalent degree courses ₹6,000/- (₹600/- per month for fees and books for ten months)₹12,000/- (₹600/- per month for fees and books for ten months and ₹600/- per month for food and hostel charges)degree courses like B.E., B.Tech., L.L.B., MBA and equivalent courses as well as Diploma courses in Medical and Ayurvedic and Homeopathic courses.₹10,000/- (₹1,000/- per month for fees and books for ten months)₹16,000/- (₹1,000/- per month for fees and books for ten months and ₹600/- per month for food and hostel charges)Postgraduate level courses like M.Sc./ M.Phil./ LLM./ M.Ed./ M.B.A. etc.₹10,000/- (₹1,000/- per month for fees and books for ten months)₹1,000/- per month for books for ten months and ₹600/- per month for food and hostel charges)

The scheme “Seva Bhoj Yojna” was launched by the Ministry of Culture, Government of India and it has been made operational with effect from the 1st of August, 2018. The scheme shall be applicable within the territorial jurisdiction of India and will remain open from the 1st to 15th of every month.

Benefit: Financial assistance in the form of reimbursement shall be provided where the institution has already paid GST on all or any of the raw food items listed below: Ghee Edible oil Sugar / Burra / Jaggery Rice Atta / Maida / Rava /Flour Pulses

This scheme aims to encourage registered women construction workers and to enable them to mend their clothing at their homes. Under this scheme, financial assistance is provided to registered women construction workers to purchase a Sewing Machine.

Benefit: Under this scheme, the Board is providing financial assistance of ₹4,500/- to registered women construction workers for purchasing a sewing machine. Note: The Board can provide a sewing machine.

Under this scheme, financial assistance of ₹4,500/- is provided to women workers employed in Industrial and Commercial Establishments in the state of Haryana for the purchase of sewing machines for their domestic use.

Benefit: Under this scheme, financial assistance of ₹4,500/- is provided to women workers working in industrial and commercial establishments of Haryana to purchase sewing machines for their domestic use.

In order to prevent child marriages and support marriage expense of financially distressed families, on 02nd October 2014, Government of Telangana (GoTS) introduced a welfare scheme called “Shaadi Mubarak’’, providing financial assistance for marriages of minority community girls.

Benefit: Under the Scheme, one-time financial assistance of ₹1,00,116 /- at the time of marriage shall be granted to every unmarried girl belonging to the minority community with effect from October 2, 2014 subject to the eligibility condition. 1. The financial assistance of ₹1,25,145/- is provided to the parents of disabled girls. Note: The "Shaadi Mubarak" is only a one-time financial assistance and can be availed only once in a lifetime.

The "Shagun Scheme'' by the BOCW Welfare Board, Department of Labour, Punjab, is a welfare scheme that provides financial support for the marriage of up to two daughters of registered workmen, including daughters who are registered beneficiaries.

Benefit: Financial Assistance: ₹31,000/- on the marriage of each daughter. Note: - The assistance shall be applicable only once on the occasion of the marriage of two daughters (upto two daughters marriage). - It shall not be applicable in the case of a second marriage.

The "Shagun Yojana" aims to assist BPL families with financial aid for the marriage of their daughters. A grant of ₹31,000 is provided to the girl/women.

Benefit: A one-time financial grant of ₹31,000 is provided for the marriage of BPL girls/women. NOTE: The grant is given to parents/guardians or the girl herself (if her parents are not alive/traceable). The grant can be disbursed up to 2 months before the proposed date of marriage. If the marriage has already taken place, the grant may be claimed within 6 months of the marriage date.