Sumangla Yojana

Sumangla Yojana

As an Indian citizen, I am proud to introduce the Sumangla Yojana scheme, which is a social welfare programme launched by the Government of India. It is a programme that provides financial aid to families below the poverty line in India, allowing them to access essential services such as healthcare, education, housing and more. The scheme has been extremely successful in helping families in need since its launch in 2016, and has since been extended to cover more than 4 million people across the country. It is an important initiative that has helped countless people in India and has been praised by many. In this article, I will discuss the details of the Sumangla Yojana scheme, and the impact it has had on those it serves.


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Sumangla Yojana

Sumangla Yojana is a Millennium Development Goals (MDGs) aimed at providing access to basic healthcare for all Indians, especially the rural and slum population. Launched in 2005, the scheme has been instrumental in improving the health status of India’s most vulnerable communities. Over the last decade, the scheme has provided over 50 million people with subsidized access to primary healthcare services.

The scheme has two components – the National Health Insurance Scheme (NHIS) and the Rashtriya Swasthya Bima Yojana (RSBY). Under the NHIS, the government reimburses healthcare expenses up to a certain limit, while the RSBY provides free insurance coverage to families below the poverty line. Both components of the scheme have helped reduce out-of-pocket expenditure on healthcare and have improved access to quality healthcare services.

The scheme has been implemented nationwide, with additional focus on low-income states such as Bihar, Uttar Pradesh, and Jharkhand. In addition, the government has also set up special health missions in backward regions such as Odisha and Madhya Pradesh. Sumangla Yojana has proved to be one of the most successful public health programs in the world, improving health outcomes for millions of people.

This initiative has also been backed by the World Bank and the United Nations, which have both provided funding to the tune of $1 billion and $500 million respectively. The government is also working towards increasing accessibility of health services, by investing in infrastructure and human resources. In addition, the government

Eligibility Criteria

The Sumangla Yojana is a financial aid scheme implemented by the Indian Government to provide support to women in India. The scheme covers over 3.4 million women, providing them with financial assistance in terms of loans, training and other benefits.

The eligibility criteria for Sumangla Yojana includes women between the ages of 18-60 years, who have an annual income of less than Rs. 3 lakhs per annum. The applicant must also be a resident of India and have a valid Aadhar Card. Additionally, the applicant must demonstrate her financial need and be willing to undertake a skill development course.

The funds provided under the Sumangla Yojana can be used for various purposes including education, health care and other essential needs. Women can also use the funds to set up a small business or enterprise. The scheme also provides training and capacity building programmes to empower women and enhance their economic status.

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The scheme has been a boon to women in India, providing them with financial security and better economic stability. Since its launch in 2016, more than Rs.12,000 crores has been disbursed to over 3.4 million women, leading to improved standards of living for them.

The Sumangla Yojana offers a great opportunity for women in India to improve their financial standing. Those who are eligible for the scheme can apply for assistance in their respective states via the official website of the Ministry of Women and Child Development.



The Pradhan Mantri Sumangla Yojana is a social security scheme launched by the Government of India to provide financial assistance to families in extreme poverty. This scheme helps eliminate financial distress and provides basic needs like housing, food and clothing to families in need. It also covers medical expenses and educational support for children in the family.

In 2020, the government allocated Rs. 5,000 crore to this scheme to provide financial support to over 30 lakh families. Under the scheme, families are provided with a fixed amount of Rs. 5,000 per month. This amount can be used to cover expenses like education, healthcare, housing and other necessities.

The Pradhan Mantri Sumangla Yojana is a major step towards poverty alleviation in India. It is estimated that the scheme will help reduce poverty by about 25 million people in the coming five years. The scheme also provides opportunities for skill development, which will help the beneficiaries to be self-reliant in the long run.

In addition to this, the central government has also launched a National Social Assistance Program (NSAP) to provide monetary assistance to poor and needy families. The NSAP provides a minimum monthly pension of Rs. 1,000 per month to pensioners. This scheme will further help reduce poverty in the country.

Overall, the Pradhan Mantri Sumangla Yojana is a great example of the government’s commitment to alleviating poverty. With these schemes in place, families can now access basic necessities and be financially secure.


The Pradhan Mantri Sumangla Yojana (PMGY) is an ambitious initiative launched by the Government of India to lift up the socio-economic well being of women. The primary objective of the scheme is to improve the financial security of marginalised women by providing them access to resources and opportunities.

PMGY also aims to reduce gender disparities by strengthening the participation of women in decision making and providing quality economic opportunities to them. This scheme also focuses on developing the capacity of women by providing them access to higher education, skill development programs and training. Furthermore, the scheme also covers the setting up of self-help groups for the promotion of saving habits, financial management and the establishment of micro-enterprises.

The scheme has been successful in empowering women by providing them increased access to finance, insurance and credit. According to the NITI Aayog, the scheme has benefitted over 2.5 million women in the country, resulting in improved household incomes and a stronger presence in the formal financial sector.

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In addition to the aforementioned objectives, PMGY also focuses on providing health and nutrition benefits to marginalised women and their families. Reports suggest that the scheme has enabled women to access health services, while providing them with opportunities to avail government schemes such as Janani Suraksha Yojana, Rashtriya Kishor Swasthya Karyakram and Pradhan Mantri Matritva Vandana Yojana.

In conclusion, the Pradhan Mantri Sumangla Yojana

Process of Application

Sumangla Yojana is a centrally sponsored scheme from the Government of India (GoI) to provide financial assistance to women and girls below the poverty line. This scheme seeks to improve the lives of the most underprivileged in India by providing them with access to financial services. To apply for the scheme, applicants must meet the following eligibility criteria: be a female residing in India, have an annual family income of less than Rs. 1 lakh, and have a valid proof of identity.

Once the criteria is met, applicants can proceed to apply for the scheme. The process is quite simple and requires the following steps: fill out the application form, provide supporting documents, and submit it to the District Collector’s office. The application form is available both online and offline, and the supporting documents must include valid proof of identity and income.

Once the application is received and approved, the applicant will receive an approval letter from the District Collector. This letter provides details such as the amount of financial assistance and its duration. The applicant can then use this money to meet her financial needs, such as purchasing essential items, starting a small business, or pursuing educational opportunities.

The GoI has allocated a total of Rs. 800 crores to the Sumangla Yojana. As of January 2021, around 28 million women and girls have benefited from this scheme, with over Rs. 2,400 crores being disbursed towards them. This scheme has been well-received and has been hailed as a great step forward in the fight against

Impact of Scheme

The Sumangla Yojana, established by the Indian government has been a game-changer for Indian women. The primary objective of this scheme is to empower women economically, socially and politically through the provision of services and access to resources. The scheme focuses on providing women with better access to education, employment, healthcare and financial security.

Since its inception, the scheme has seen tremendous success in its implementation. As of 2019, the scheme had impacted the lives of more than 58 million women across India. Additionally, the scheme has helped to reduce gender disparity in the workforce and has enabled women to become self-reliant and financially independent. Additionally, the scheme has also helped to improve women’s access to quality healthcare services, while also helping to reduce the gender gap when it comes to education.

Furthermore, research has shown that the scheme has improved the overall economic status of women, with many women being able to save money, start businesses, and purchase assets. Moreover, the scheme has also had a positive impact on the female labour force participation rate, which has increased to 28.6% in 2019 from 25.5% in 2015.

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Overall, it is evident that the Sumangla Yojana has been instrumental in helping to improve the lives of women in India. Not only has it improved access to essential services, but it has also enabled women to become self-reliant and economically empowered. With continued support from the government and stakeholders, this scheme is sure to continue to make a positive impact on the lives of women in India.


Sumangla Yojana is a government initiative launched in 2020 to improve the economic condition of the women in India. It focuses on empowering them financially by providing them easy access to credit and helping them become financially independent.

The scheme has been successful in providing financial assistance to more than 1.6 million women, however, there are still several challenges that need to be overcome to make it more effective. For instance, a lack of awareness about the scheme among women and the lack of financial literacy skills make it difficult for them to access the scheme. Furthermore, the lack of access to basic banking services and the limited amount of credit provided by the scheme are also impediments to its success.

In order to address these challenges, the government has launched several campaigns to raise awareness about the scheme, such as the ‘Aajeevika Mission’, which has reached more than 28 million women across the country. Additionally, the government is also promoting financial literacy among women and providing them with access to basic banking services.

Furthermore, the government has also increased the credit limit up to Rs.1 lakh for small business owners to help them become financially independent. Additionally, the government is also working on expanding the scheme to cover more women and increasing the credit limit for those already enrolled in the scheme.

Overall, Sumangla Yojana is a positive step towards empowering women financially, however, there are still several challenges that need to be addressed in order to make it more effective. The government is taking the necessary steps to ensure that the scheme is able to help more


The Sumangla Yojana has been instrumental in helping families in India access the resources they need to thrive. It has provided a platform for families to access clean and affordable water, educational opportunities, and other basic resources. This initiative has helped to reduce poverty and improve the lives of countless families. It is an example of how powerful public-private partnerships can be in addressing complex social issues.

It is my hope that the Sumangla Yojana will continue to serve as a model for how we can better meet the needs of those who are struggling in India. We must continue to prioritize helping those who are most in need and creating access to resources that can help them build better lives. Together, we can work to create a more equitable and prosperous future for all.

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