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New Banking Schemes & Initiatives

Introduction

new banking schemes and initiatives Banking Awareness + Current Affairs प्रश्नों का एक मुख्य हिस्सा हैं। SBI, IBPS, और RRB exams में अक्सर यह जांचा जाता है कि candidate नए launch किए गए schemes के basic purpose, target group, और sector को समझता है या नहीं।

ये प्रश्न आमतौर पर direct और factual होते हैं, इसलिए अगर regular revision किया जाए तो ये easy scoring होते हैं।

Pattern: New Banking Schemes & Initiatives

Pattern

scheme name, उसका primary objective, और target beneficiaries की पहचान करें।

प्रश्न detailed eligibility rules से बचते हैं और केवल scheme के core intent पर focus करते हैं।

Step-by-Step Example

Question

Pradhan Mantri Jan Dhan Yojana (PMJDY) का primary objective क्या है?

Options:

  • A. subsidised rates पर housing loans प्रदान करना
  • B. merchants के बीच digital payments को promote करना
  • C. basic banking services तक universal access सुनिश्चित करना
  • D. farmers को crop insurance प्रदान करना

Solution

  1. Step 1: scheme type की पहचान करें

    Pradhan Mantri Jan Dhan Yojana एक financial inclusion scheme है।

  2. Step 2: core objective को याद करें

    यह scheme सभी नागरिकों को savings accounts, debit cards, और remittance facilities जैसी basic banking services उपलब्ध कराने पर focus करती है।

  3. Final Answer:

    basic banking services तक universal access सुनिश्चित करना → Option C

  4. Quick Check:

    PMJDY को भारत के financial inclusion drive की foundation माना जाता है ✅

Quick Variations

  • 1. “कौन-सी scheme ___ objective को achieve करने के लिए launch की गई थी?”
  • 2. “___ scheme के target beneficiaries कौन हैं?”
  • 3. Match the following: Scheme ↔ Objective

Trick to Always Use

  • Step 1 → scheme को inclusion, credit, insurance, या digital category में classify करें।
  • Step 2 → detailed rules नहीं, केवल main objective याद रखें।
  • Step 3 → पिछले 2-3 वर्षों में launch या update हुई schemes पर focus करें।

Summary

Summary

  • अधिकांश प्रश्न scheme name और उसके basic purpose पर आधारित होते हैं।
  • financial inclusion schemes सबसे अधिक पूछी जाती हैं।
  • interest rates या limits जैसे details आमतौर पर required नहीं होते।
  • यह pattern आसान और highly scoring है।

Example याद रखने के लिए:
PMJDY → basic banking services तक universal access

Practice

(1/5)
1. Which government scheme was launched to provide collateral-free loans to micro and small enterprises?
easy
A. Pradhan Mantri Mudra Yojana (PMMY)
B. Pradhan Mantri Fasal Bima Yojana
C. Stand-Up India Scheme
D. Atal Pension Yojana

Solution

  1. Step 1: Identify the nature of the scheme

    The question refers to collateral-free credit support for small businesses.

  2. Step 2: Match with the correct scheme

    Pradhan Mantri Mudra Yojana provides collateral-free loans to micro and small enterprises.

  3. Final Answer:

    Pradhan Mantri Mudra Yojana (PMMY) → Option A

  4. Quick Check:

    MUDRA loans are categorised as Shishu, Kishor, and Tarun ✅
Hint: Collateral-free business loans → MUDRA.
Common Mistakes: Confusing MUDRA with insurance or pension schemes.
2. Which scheme aims to promote entrepreneurship among women and SC/ST communities?
easy
A. Stand-Up India Scheme
B. Pradhan Mantri Jeevan Jyoti Bima Yojana
C. Atal Pension Yojana
D. Pradhan Mantri Suraksha Bima Yojana

Solution

  1. Step 1: Identify the target group

    The scheme focuses on women and SC/ST entrepreneurs.

  2. Step 2: Recall the relevant scheme

    Stand-Up India Scheme was launched to support entrepreneurship among women and SC/ST communities.

  3. Final Answer:

    Stand-Up India Scheme → Option A

  4. Quick Check:

    The scheme supports setting up greenfield enterprises ✅
Hint: Women + SC/ST entrepreneurs → Stand-Up India.
Common Mistakes: Choosing insurance-based schemes instead of credit-linked ones.
3. Which banking initiative was launched to provide a guaranteed pension to workers in the unorganised sector?
easy
A. Pradhan Mantri Jeevan Jyoti Bima Yojana
B. Atal Pension Yojana
C. Pradhan Mantri Jan Arogya Yojana
D. Pradhan Mantri Mudra Yojana

Solution

  1. Step 1: Identify the benefit type

    The scheme provides pension support.

  2. Step 2: Match with the correct scheme

    Atal Pension Yojana ensures a guaranteed pension for workers in the unorganised sector.

  3. Final Answer:

    Atal Pension Yojana → Option B

  4. Quick Check:

    APY is administered by PFRDA with bank facilitation ✅
Hint: Guaranteed pension scheme → APY.
Common Mistakes: Confusing pension schemes with insurance schemes.
4. Which scheme was launched to provide accidental insurance cover at a low premium through banks?
medium
A. Pradhan Mantri Jeevan Jyoti Bima Yojana
B. Ayushman Bharat
C. Pradhan Mantri Suraksha Bima Yojana
D. Atal Pension Yojana

Solution

  1. Step 1: Identify the type of insurance

    The question refers to accidental insurance cover.

  2. Step 2: Recall the relevant scheme

    Pradhan Mantri Suraksha Bima Yojana provides accidental insurance at a nominal premium.

  3. Final Answer:

    Pradhan Mantri Suraksha Bima Yojana → Option C

  4. Quick Check:

    PMSBY is linked with savings bank accounts ✅
Hint: Accident insurance via bank → PMSBY.
Common Mistakes: Selecting life insurance schemes instead of accident insurance.
5. Which initiative focuses on providing life insurance coverage through banks at an affordable premium?
medium
A. Atal Pension Yojana
B. Stand-Up India Scheme
C. Pradhan Mantri Mudra Yojana
D. Pradhan Mantri Jeevan Jyoti Bima Yojana

Solution

  1. Step 1: Identify the insurance type

    The scheme provides life insurance coverage.

  2. Step 2: Match with the correct scheme

    Pradhan Mantri Jeevan Jyoti Bima Yojana offers life insurance through banks at a low premium.

  3. Final Answer:

    Pradhan Mantri Jeevan Jyoti Bima Yojana → Option D

  4. Quick Check:

    PMJJBY provides one-year renewable life insurance cover ✅
Hint: Life insurance via bank → PMJJBY.
Common Mistakes: Mixing up life insurance with accident insurance schemes.

Mock Test

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