Full Biodata Form Use In The Bank: Fill & Download for Free

My interview was scheduled on 24-SEP-18 at SBLC Kolkata. I was put in Panel 2 i.e. from 10.30 AM. I was the last candidate in my panel and the wait outside the interview room was quite exhausting… at least mentally. Each interview was taking 15 minutes on an average and I used this opportunity to visit the washroom, drink water and stroll a bit just to take my mind off the upcoming ordeal.Finally, my turn came, but it wasn’t completely smooth. A beeper outside the room was used to call in the next candidate. The beeper rang. I took a deep breath, knocked on the door, opened it slightly and asked for permission to come in. Out of the blue, the HR manager came up from behind me, pushed me aside and went in. I was left standing there, awkwardly holding the door unsure whether to enter or close the door again. I kept thinking in my mind ‘bad start, bad start…’. Luckily the interviewers too were unpleased with this intrusion and asked the manager to come back later. I then entered, but in all this confusion, forgot to wish the lady in the room first! Argh, my manners!So, after greeting everyone I sat on the lone chair in front of the interviewers. I do not remember clearly if I asked for permission to sit, though. These are small things you rehearse over and over in your mind outside the room, but once inside, it is all auto pilot. I gradually took in the surroundings and the people inside while the interviewers went through my bio-data form. There were 5 interviewers – 2 gentlemen on my left, 1 directly in front of me, and a lady and gentleman to my right. They were all seated in sofas in a semi-circle while I was somewhere at the centre of it.The interviewer (I1) in front started off with “So, Sourav… you have done engineering from NIT Durgapur. Which stream was it?”Me: Sir, it was Information Technology.I1: You graduated in 2015. What were you doing all this while then? *I had already mentioned my work experience in my biodata, still he asked me this.Me: Sir, I am currently working in IBM. I got the job in my campus placements.I1 (smiling): Ah, you work in IBM. That is a tech giant. And you are from an IT background. So, why do you want to join the banking industry?*I was expecting this question. I had rehearsed the answer a million times but, as I wrote earlier, it all goes out the window the moment you step inside the room.Me: Banking industry is secure and provides good remuneration for hard work.I1: You think that banking is a secure industry. So, can I infer from that statement that you are a laidback sort of a person?Me: *confused whether it is a welcome thing or not, maintains silence*I1: Do you not like challenges in life? IT industry is full of opportunities. Don’t you want to be a part of this digital revolution that this world is going through?*I cited an example from work where a senior resource I looked up to was sacked because ‘he was too senior for the work’. I told I1 that it got me a little scared to be honest.I1: So, suppose you join the bank and a senior manager you look up to is sacked on charges of corruption. Would you again be demoralized and look for opportunities elsewhere?Me: If a person is caught in a corruption charge, he should ideally be sent to jail, not just sacked. Moreover, why would I look up to a corrupt person for inspiration?*I1 realised it was a foolish analogy that he threw at me and I hit it for a six. So, he moved on to other topics. Have you heard of Watson? What is it? Tell me 5 hottest IT technologies that are ruling the market now, etc. Then he passes the baton to the interviewers on my left.I2: Coming from an IT background can you tell me somethings where improvements can be made?I pointed out use of virtual keyboards for online banking and HTTPS, etc. I don’t recall my exact answer, but I wasn’t too happy with the answer myself.I3: Since you are a person who does not like challenges in life, how will you cope with the challenges in banking? *he asked this in the most matter-of-fact way, as if it was an established fact that I was lazy.Me: *Mentally shaking my head* Sir, with all due respect, I would like to differ with you. I am a person who likes challenges and I have a firm belief that I can do quite well in banking. With my professional experience of 3 years, I know the importance of targets and deadlines. Moreover, unlike most people I do not fear rural postings. On the contrary, I think people in rural areas have the most respect for bankers.I1 now asked the lady and gentlemen on my right if they had any questions to which they said no.So, I1 again: Ok. Now tell me 5 things about the Indian economy that you would like to change.*This was the only economy/banking related question in the whole interview and it was nothing like I had ever expectedMe: *After thinking for some time* Can I change anything?I1: Yes. Yes. Suppose the whole economy is left to you. What would you change?Me: I would stop all subsidies as they…I1: Okay, that’s 1. Next? *he was not looking for explanations, as he could see through my train of thoughtMe: I would stop all loan waivers.I1: Okay 2. Although, a loan waiver is practically a sort of subsidy itself. Still, 2 points. Next?*I had run out of ideas. I scratched my head (hopefully figuratively) and had a divine intervention.Me: I would like to introduce Capital Account Convertibility. *I had discussed the pros and cons of this just the previous night with my girlfriend. *I1: Ah! *Clearly impressed as he was not expecting this from someone with IT background.*He then let me off the last 2 points as I was taking too long a time to come up with anything else.Finally, he ended the interview with questions about my hobbies which seemed like a solemn end to a very rigorous exercise, much like a cool breeze after a storm.I stood up and wished everyone. Once more, I did not wish the lady first. But this time, I did not feel miserable about it. Forget chivalry, to me it made more sense to first wish the person who spoke to me for nearly 10 minutes of the 15-minute interview. I wished I1, then the lady and then the rest of the interviewers. Then I slowly walked out of the room.29-OCT-18 was the final result and I made it. I got 25/30 in the interview. In hindsight, had I not dropped the S-word, I could probably have scored more. But then that’s what hindsight is!A few lessons learnt that day:Keep calm. The interviewers want to see how handle pressure and awkward situations.No matter how much you plan, interview will always throw you a googly.Have confidence in yourself, no matter what happens. If something is wrong, don’t be afraid to point it out.Never tell your would-be employer that you are there for a secure job. Never.

All these positive answers about BNP being an awesome place to work is total BS. I had started as a fresher at the place and it left me totally frustrated and at the end I felt like a legacy application myself, too outdated for the real world out there. In the world where Java 9, 10 were released my application didn't even have 8. While other companies are already done with technologies, they introduce it as if it is the latest trend. It is basically the North Korea of Investment banks. The employees think they work on the latest tech. I agree that it highly depends on which team you end up in, but it is due to the fact that they have amazing foreign counterparts. I joined in with a group of freshers and let me tell you the only people who were/are happy at the place are people who don't want to work or simply don't care about their careers. There is no concept of fast track promotion in the company so even if a junior developer does a senior level job u get paid shit and still have to suck up for 4–5 years because they won't promote u to a senior till then. While your peers in similar banks get 20–30% hikes easily doing similar or even better quality of work, enjoy feeling like trash when they boast it on your face.People are too happy and rested in the place. They are not ready to leave because they know they have no place elsewhere as the company pays well for guys who can't do simple things as writing an email without grammatical errors and I should not speak about their amazing development skills. I've seen a senior who took a month to write a simple multithreaded code in Java because the manager had no clue about technology. The dev got a promotion in the same year. Tech leads don't even know how their own applications work. They are more than happy to extend class implementations by their foreign counterparts. If you are reading this try asking if leads/managers why u use the technology u r using or make them explain constructs inside the framework. Understand what work you are doing, keep pestering them, ask why every now and then. Go with a new technology and propose a solution see the reaction.People who work hard are appreciated by the wrong kind of paper the so-called “Bravo” award. This is a diplomatic and political facade as it is given to teams which makes money. You have no appreciation when u do something amazing but ur app doesn't make money. Not in your hands. It is given because they fear the one talented bright mind leaving the company before he/she realizes they are in the wrong place. Talented people are poorly paid while people who sit on their asses all day, take 1 hr lunch break, 1hr walks with the opposite sex which gets discussed by the other lot for more time than necessary and of course being judged by looks and clothes. People are literally jobless and small. There are managers without a team, senior developers who can't write a simple piece of code. I should not talk about the laughable QA teams, incompetence is just floating around. They are mostly contractors so it is understandable if they couldn't care to work. They rarely get penalized as the blame is all on the developers. Technical Support teams are good most of the times (don't get happy read ahead) and some good employees end up overworking to meet others incompetences. Though notably there are some there who have time for having lunch, walks with chicks but no time when it comes to a deployment. A bloody useless process is more important than fixing a critical bug. But if a girl walks upto them, they may do it without any of it. Functional support is the open laughing stock among all the departments. They are highly paid Customer support who gossip about others all day, when a person can't code/script they get thrown into it with dreams of becoming a BA which they never do atleast in BNP. They are full of girls who love gossip and shop online on Amazon, Myntra and discussing at length their stupid escapades and bfs/husband's in the pantry room. Please somebody give those people to do. Managers there do nothing but delegate it to a few employees who actually work. Others roam around with their boy toys or girl toys. Got news that their delivery manager who liked playing with cards, origami and showing magic tricks like a clown has left/fired. The goal of every office member is to check time to see 6 o'clock and start packing their bags from 5.30pm while drinking more caffeine than they should as it's free. Avg employee barely works for 2–3 hrs a day removing breakfast, lunch, walks, chai, sutta and coffee breaks.I saw people lying their teeth out about onsite. If you are lucky and lick boots well maybe just maybe they might let u go for a week or two duh. The CIB of TMRW and knewtion is a joke by higher management to get promotions. All those who started it have left the firm or got transferred to higher positions across the globe. Under no circumstances work in Global markets. GMIT is a hell hole after a new HOD has taken the helm. No one including the delivery managers are happy around him and put a fake smile to be on his good side. Outside the company everyone questions his tactics. Indeed Indians are their worst enemies. People literally piss their pants when he walks around. Don't fall prey to his smile. Delivery managers may pretend to help you out but no one dares walk up to him. He has slashed all budgets out there, on sites from GMIT will get u the shittiest accommodation under his supervision. He is so jobless that he approves new headphone requests (yeah judge him).Bonuses are shitty AF. I barely got a hike more than 8% which is awesome for people from the service company, where a max of the BNP lovers come from. Freshers out there, if you want to make a mark in tech this is not the company for you. People who talk abt work-life balance are people who desire to be at home with their wives all day or shop after office to a party every evening. HR is a joke, they have no power over managers. There is no feedback system for grievances and even when it is raised they don't give a fuck. The exit interview is a joke. I've known of instances where severe complaints had been raised by an ex-employee while exiting but the manager got a promotion in the same year without a single check given. This is a company full of sycophants where hard work doesn't pay.Yes, there are some good managers out there. They are powerless and will indirectly tell u the truth so pack ur bags as soon as possible. BNP is a great stepping stone to get a better company. Just don't get comfortable or fall in love with the place. It is a black hole the more u stay the more irrelevant u become. This is indeed a service company with the facade of a product company. The company was on a good track atleast opportunity wise till the French managers were incharge but got badly screwed by Indians who replaced them. The problem is tech divisions being lead by managers who have no clue about technology. Some may have been devs in the distant past but now know nothing but office politics.Also, these assholes won't let u leave. They will make u serve a notice of 3 months where u won't do anything but get frustrated by bureaucracy. They won't leave u as they will hold a grudge. Imagine doing 3 months of nothing and unable to leave in spite of an offer from a dream company because of this. No, they won't allow buyouts. If u get an offer from BNP learn as much as you can and get out. Also, if you are looking for a new job using naukri block BNP as HR tracks your account and it may unnecessarily hamper whatever appraisal you get. Don't give them a reason to underpay u any further.So here is my anecdote on this place which too many love as seen by me in the answers before this. Clearly, they are deluded or are the sycophants I mentioned earlier. This place is no less than the retarded Big Boss house which the idiot employees love to discuss at length. The company has to cleanse and weed such people out. Employees love the place for their own incompetence and not the work because work is a joke (At least for more of the teams). They will lie about working on AI and big data but trust me they will be patch up jobs at max, as they are skilled only for that. Great place for good looking girls as there are too many behind the scene cheap lovers there to stalk u, ur profiles and get your work done for u. They will know more about u than u know. They will have nicknames for u. Your biodata, images and even itty-bitty-gritty details of life are on the BNP blockchain, an open public ledger and immutable (hope u got the sarcasm folks). Please don’t share details of your personal/sex life with anybody in the company because believe it or not everybody knows about it. For the genuine tech guys/gals out there I implore u to not fall trap and think higher and better.Yes if you are lucky, u will learn some new things in BNP and your experience may not exactly mirror mine. Even I had some notable good times too handful of professional ones though. I have joined another firm and learning things which wud have been impossible under that banner. To existing good and hardworking employees hope you find what you are looking for ELSEWHERE. I know some trying real hard to come out of the blackhole, I wish them all the best.May the force be with you!!!NOTE: It has come to my attention that this post is creating negativity, and some unnecessary traction, it isnt my intention, I have just shared my experience. If people have good experiences then great! good for you. This is not a personal attack of anykind on anyone, professional definitely. I had been there for little more than a year and I know the wrong culture that was circulating there. Fix it.P.S. dear loyal employees (Senior Managers) trying to defend this company, I feel it's no use as people already know what I have written is the true picture and and a sad truth. Like I have mentioned there are definitely some really good managers in the company who run some good projects (needles in a haystack of shit) but the onshore sites are excellent no doubt about it. About psych tests, I would love that to be implemented, like I mentioned idiots and useless will be weeded out making the company a much better place to stay. In a senior position, sitting behind a desk and reading falsified reports as I have seen it being done myself, you don't have visibility of real shit happening at the associate levels, I guess u r living in a matrix like world. If it was a lie no one would have read or simply ignored the post which I wish would have been true. So instead of your wasting time calling the sane mentally retarded go have more one on one meetings with employees without knowledge of managers, build great projects, create a holistic workplace for talent where such attrition (I've heard it's worsened) in the company is curbed and good employees moving either to JP or Morgan Stanley is stopped. prove me wrong.

Since Modi government has came into power, n number of schemes have been launched:Financial inclusion schemes:PM Jan Dhan Yojna: aims to provide basic bank account to every family with no minimum balance required. Also, to bring poor financially excluded people into banking system and to decrease corruption in govt. subsidy schemes. It also provides accidental insurance up to 1 lakh and medical Insurance cover of 30,000Social security related schemes:Pradhan Mantri Jeevan jyoti yojna: its a life Insurance scheme worth ₹ 2 lakh at just ₹ 330 per annum.Pradhan Mantri Suraksha Bima Yojna: its an accidental Insurance scheme worth ₹ 2 lakh at just ₹ 12 per annum for accidental death its ₹ 2 lakh and for partial disability- 1 lakh rupeesAtal pension yojna: it guarantees a minimum pension amount at the age of 60 to subscribers depending upon their contributions per month. Amount may range from 1000 to 5000 per month. Minimum contribution period should be 20 years.Urban Reform schemes:Smart cities scheme: Smart city will b equipped with basic infrastructure to give a decent quality of life, a clean and sustainable environment throughout application of some smart solutions. Its for rise of neo middle class who wants better civic amenities.2. AMRUT (Atal Mission for Rejuvenation and Urban Transformation): In this 500 cities selected to develop civic infrastructure. Few capital cities, important cities loated in hilly areas and islands and tourist areas are selected.3. HRIDAY ( Heritage City Development and Augmentation Yojna): to preserve and rejuvenate the rich cultural heritage of the country. 12 heritage cities had been identified. Aim is to bring urban planning, economic growth and heritage conservation for heritage cities.4. PRASAD (National Mission on Pilgrimage Rejuvenation and Spiritual Augmentation Drive) : Aims to create spiritual centres for tourism development within the nation. 12 cities have been identified.5. Swadesh Darshan: Aim is to develop theme based tourist circuit. It should be insured that none of them are in same town, village or city but are not separated by a long distance too.6. Rurban Mission: seeks to develop smart village on the line of smart cities and reduce the burden of migration to the cities through adopting cluster approach.Farmer centric schemes:Deen Dyal Upadhyaya Gram Jyoti Yojna: To provide round the clock power supply in Rural areas.2. DD Kisan: India first television chanel dedicated to farmers have been launched to provide onputs new farming techniques water conservation and prganic farming .It will include quiz shows farmers , a bottoms up approach involving agriculturists .This will provide real time interaction with time and farm scientists.3. Soil health card scheme: it aims to help farmers to improve the productivity of farms by providing them basic information for use of nutrients or fertilizers .the card careies crop wise recommendations of fertilizer that are required for farm lands and it also help farmers identify health of soil and judiciously use soil nutrients4. Pradhan Mantri Krishi Sinchai Yojna: it is a proposed scheme by the government of India which envisages connecting the irrigation system’s three crucial components - the field application , water sources & distribution network for optimal usage. it also envisage interlinking of perennial rivers to avoid drought and flood situations.5. Pradhan mantri Fasal Bima yojna: it aims to reduce the premium rates to be paid by the farmers so as to enable more farmers avail insurance cover against crop loss on account of natural calamities.Education related shemes:DIKSHA portal: for providing digital platform to teachers to make their lifestyle more digital. This will provide online/offline training to teachers, students and teacher educatorsYUYA: it aims to connect with youth by upgrading their skill as per their competencies.JIGYASA: student-scientist connect programme. Under this programme CSIR (Council of Scientific and industrial Research ) has joined hands with Kendriya Vidyalaya Sangathan. The focus is on connecting schools students and scientists so as to extend student’s classroom learning with that of a very well planned research laboratory based learning. This programme will connect 1151 kendriya Vidyalayas with 38 national laboratories of CSIR and will target 10,000 students and teachers every year.SWAYAM: Its an indigenously designed massive open online course ( MOOC), it will host all the courses, taught in classrooms from 9th class till post graduation and can be accessed by anyone, anywhere at any time. It aims to bridge the digital divide for students in e-Education.SWAYAM PRABHA: it will provide high quality educational contents, developed by experts, through 32 DTH (direct to home) television channels with an aim to bring uniformity in standards of education. It will cover diverse topics of all levels of education in various languages.National Academic Depository: it will directly integrate with boards/ universities which issue certificates which will be verified, authenticated, accessed and retrieved in a digital depository for purpose of employment, higher education and loansNational Digital library: its a online library containing 6.5 million books in English and the Indian languages.Deen Dayal SPARSH Yojna: stands for Scholarship for promotion of aptitudes and research in stamps as a hobby. It is proposed to award 920 scholarships to students pursuing philately as a hobby. Amount of scholarship would be 6000 per annumEklavya schools will be established for schedule tribe students by 2022 on the lines of Navodhya schools. Though its an old scheme but the government has signalled in budget 2018 that it wants to expand the scope.RISE: Revitalising Infrastructure and Systems in Education scheme. It aims to lend low cost funds to government higher educational institutions.PMRF (Prime ministe’s Research Fellows scheme): This scheme will help tapping talent pool of country for carrying out research indigenously in cutting edge science and technology domains. Under this scheme, 1000 best students who have completed or in final year of B.tech or integrated M.tech or M. Sc in science and technology streams from IISc/ IITs/ NITs/ IISERs/IITs will be offered direct admission in PhD programme in the IITs/IISc. In this, govt. will provide fellowship of Rs. 70,000 per month fornthe first two years, Rs. 75,000 per month for 3rd year and Rs. 80,000 per month in 4th and 5th year.Beti Bachao Beti Padhao yojna: it aims at promoting gender equality and educating girl child.E-basta: created a framework to make school books accessible in digital form as e-books. Books can be read on laptops, tablets and mobiles. It will bring various publishers and schools together on one platform.Padho pradesh yojna: Its a scheme of interest subsidy on educational loan for overseas studies. It assists the students belonging to poor and minority community to acquire loan for subsidised interest rates.Flagship missions:Make In India: to make India a manufacturing hub and to create 100 million jobs and skill enhancement in 25 sectors of economy. Enhancing service sector is also covered under this mission.2. Digital India Mission: to transform the country into a digitally empowered knowledge economy. To create participative, transparent and responsive government. Digital india mission has 9 pilliars:Broadband highwaysInformation for allUniversal mobile accessPublic internet access programmeElectronics manufacturing: target net zero importsEarly harvest programmesE- kranti: electronic delivery of servicesIT for jobsE- Governance: reforming government through technology3. Swachh Bharat mission: its a massive mass movement that seeks to create a clean india by 2019. It aims atElimination of open defecationConversion of insanitary toilets to pour flush toiletsEradication of manual scavenging100 % collection and scientific processing/ disposal/reuse/recycling of municipal solid wasteA behavioral change in people regarding healthy sanitation practicesSupporting urban local bodies in designing, executing and operating waste disposal systems4. Namami Gange Project or Namami Ganga Yojana: is an ambitious Union Government project which integrates the efforts to clean and protect the Ganga river in a comprehensive manner. This will cover 8 states, 47 towns and 12 rivers. Rivers covered are: Ganga, Yamuna, Gomti, Damodar, Mahananda, Ramganga, Beehar, Chambal, Khan, Shipra, Betwa and Mandakini.Innovation and entrepreneurship schemes:Start up india: Through the Startup India initiative, Government of India promotes entrepreneurship by mentoring, nurturing and facilitating startups throughout their life cycle. Since its launch in January 2016, the initiative has successfully given a head start to numerous aspiring entrepreneurs. With a 360 degree approach to enable startups, the initiative provides a comprehensive four-week free online learning program, has set up research parks, incubators and startup centres across the country by creating a strong network of academia and industry bodies. More importantly, a ‘Fund of Funds’ has been created to help startups gain access to funding.2. Atal Innovation Mission: It is a Government of India’s endeavour to promote a culture of innovation and entrepreneurship, and it serves as a platform for promotion of world-class Innovation Hubs, Grand Challenges, start-up businesses and other self-employment activities, particularly in technology driven areas. In order to foster curiosity, creativity and imagination right at the school, AIM recently launched Atal Tinkering Labs (ATL) across India. ATLs are workspaces where students can work with tools and equipment to gain hands-on training in the concepts of STEM (Science, Technology, Engineering and Math). Atal Incubation Centres (AICs) are another programme of AIM created to build innovative start-up businesses as scalable and sustainable enterprises. AICs provide world class incubation facilities with appropriate physical infrastructure in terms of capital equipment and operating facilities. These incubation centres, with a presence across India, provide access to sectoral experts, business planning support, seed capital, industry partners and trainings to encourage innovative start-ups.3. Stand Up India: to support entrepreneurship among women and SC and ST4. MUDRA - Micro Units Development and Refinance Agnecy: Pradhan Mantri MUDRA Yojana (PMMY) is a scheme launched by the Hon’ble Prime Minister on April 8, 2015 for providing loans upto 10 lakh to the non-corporate, non-farm small/micro enterprises. These loans are classified as MUDRA loans under PMMY. These loans are given by Commercial Banks, RRBs, Small Finance Banks, Cooperative Banks, MFIs and NBFCs. The borrower can approach any of the lending institutions mentioned above or can apply online through this portal. Under the aegis of PMMY, MUDRA has created three products namely 'Shishu', 'Kishore' and 'Tarun' to signify the stage of growth / development and funding needs of the beneficiary micro unit / entrepreneur and also provide a reference point for the next phase of graduation / growth.Schemes under Skill India Mission :Deen Dayal Upadhyaya Grameen Kaushalya Yojna: aims to give training to rural youths for jobs. Minimum age for entry is 15 years. Its complementing PM’s Make in India campaign.PM Kaushal Vikas Yojana (PMKVY): aims to provide skills training to youth across the country. It includes class 10th and 12th drop outs.Nai Manzil scheme: to enable students of madrasas to cope up with the contemporary education system and provide them skill training so that they could earn their living once they move out of madrasahUSTTAD ( Upgrading Skill and Training in Traditional Arts/crafts for development) to conserve traditional arts/crafts and build capacity of artisans and craftsmen belonging to minority communities.Nai - roshni scheme: a leadership training program for womenManas: for upgrading entrepreneurial skills of minority youthsSeekho aur Kamao (Learn and Earn): central sector scheme for skill Development of minorities.Schemes related to women:Beti Bachao Beti Bhadao: discussed aboveSukanya samridhi yojna: Sukanya Samriddhi Yojana (SSY) is a small deposit scheme for the girl child launched as a part of the 'Beti Bachao Beti Padhao' campaign. It is currently 8.1 per cent and provides income-tax benefit.A Sukanya Samriddhi Account can be opened any time after the birth of a girl till she turns 10, with a minimum deposit of Rs 1,000. A maximum of Rs 1.5 lakh can be deposited during the ongoing financial year.The account can be opened in any post office or authorised branches of commercial banks.The account will remain operative for 21 years from the date of its opening or till the marriage of the girl after she turns 18.To meet the requirement of her higher education expenses, partial withdrawal of 50 per cent of the balance is allowed after she turns 18.3. One Stop Crisis Centre: Ministry of Women and Child Development has formulated a scheme for operationalization of minimum 100 pilot projects of One Stop Crisis Centres (OSCCs), a specialized facility for providing all necessary services for women victims/ survivors of violence, in urban areas having population of more than 5 lakh, identified by the States for implementation during the remaining years of the 12th Plan. These Centres will be attached to the District Hospitals of the State Governments.4. SWADHAR - A scheme for women in difficult circumstances: to provide primary need of shelter, food, clothing and care to the marginalised women/ girls living in difficult circumstances who are without any social and economic support. Also, to provide emotional support and counselling to such women.5. STEP - Support to Training and Employment Programme for Women:STEP was launched by the Government of India’s Ministry of Women and Child Development to train women with no access to formal skill training facilities, especially in rural India. The Ministry of Skill Development & Entrepreneurship and NITI Aayog recently redrafted the Guidelines of the 30-year-old initiative to adapt to present-day needs. The initiative reaches out to all Indian women above 16 years of age. The programme imparts skills in several sectors such as agriculture, horticulture, food processing, handlooms, traditional crafts like embroidery, travel and tourism, hospitality, computer and IT services.6. UJJAWALA scheme: to prevent trafficking of women and children for commercial sexual exploitation. It works on 4 R appoach :RescueRehabilitationReintegrationRepatriationInfrastructure related schemes:Sagarmala project: Sagar Mala project is a strategic and customer-oriented ₹8 trillion (US$120 billion or €100 billion) investment initiative of the Government of India entailing setting up of 6+ mega ports, modernization of several dozen more ports, development of 14+ Coastal Economic Zones and at least 29 Coastal Economic Units, development of mines, industrial corridors, rail, road and airport linkages with these water ports, resulting in US$110 billion export revenue growth, generation of 150,000 direct jobs and several times more indirect jobs. It aims to modernize India's Ports so that port-led development can be augmented and coastlines can be developed to contribute in India's growth. It also aims for "transforming the existing Ports into modern world class Ports and integrate the development of the Ports, the Industrial clusters and hinterland and efficient evacuation systems through road, rail, inland and coastal waterways resulting in Ports becoming the drivers of economic activity in coastal areas."Bharatmala project: is a centrally-sponsored and funded road and highways project of the Government of India. The project will build highways from Gujarat and Rajasthan, move to Punjab and then cover the entire string of Himalayan states - Jammu and Kashmir, Himachal Pradesh, Uttarakhand - and then portions of borders of Uttar Pradesh and Bihar alongside Terai, and move to West Bengal , Sikkim, Assam, Arunachal Pradesh, and right up to the Indo-Myanmar border in Manipur and Mizoram. Special emphasis will be given on providing connectivity to far-flung border and rural areas including the tribal and backward areas.Setu Bharatam Project: It aims to make all national highways free from railway level crossing by 2019 to ensure road safety.Green highways policy 2015 - to develop eco friendly National Highways with participation of the community, farmers, NGO’s, private sector, institutions, government agencies and the forest department.Gold schemes:Gold monetisation scheme: Gold monetisation scheme is like a gold savings account. You would generally keep your gold without any security at home or store it in bank lockers by paying a maintenance fee. But instead of that, you could keep your gold in any form in a Gold Monetisation Scheme account and earn interest as the price of the precious metal goes up. Also, You do not have to pay capital gains tax on the profits made through the gold monetisation scheme. The capital gains are also exempt from wealth tax and income tax.The Gold Monetisation Scheme is a great opportunity for big Indian households to make profits from the old jewellery lying in bank lockers and at the bottom of safe deposit boxes. Companies, trusts, jewelleries and individuals who have a hoard of gold can also use this scheme to monetise their precious metal. But do not forget that your jewellery will not come back to you in the same form as you put them in – you get the returns in the form of money or gold coins and bars that you can later encash.2. Sovereign Gold Bond : SGBs are government securities denominated in grams of gold. They are substitutes for holding physical gold. Investors have to pay the issue price in cash and the bonds will be redeemed in cash on maturity. The Bond is issued by Reserve Bank on behalf of Government of India.3. Indian gold coin: • The coin will be the 1st ever National gold coin minted in India and will have the National Emblem of Ashok Chakra engraved on one side and Mahatma Gandhi on the other side .• Initially the coins will be available in denominations of 5 and 10 grams; later a 20 gram bullion will also be available through MMTC outlets.Advantages• It would provide gold coins of maximum possible purity and check the supply of counterfeit or adulterated gold sold by jewelers.• While it may not address people looking forward to buy jewellery, but people who buy gold coins for investment purposes can buy these, if they are still reluctant about the Gold bond scheme.• Physical gold coins are more liquid resource compared to gold bonds, as perceived by many people in India.Labour reform schemes:5 labour reform schemes have been launched for the youth, workers and employers to improve ease of business for enterprises while expanding government support to impart skill training for workers.A. Shram suvidha portalB. Random Inspection SchemeC. Universal Account NumberD. Apprentice Protsahan YojnaE. Revamped Rashtriya Swasthya Bima YojnaSchemes for Banking Reforms:Indradhanush plan for Revamp of Public Sector Banks: The strategy, Indradhanush (rainbow), focuses on systemic changes in state-run lenders, including a fresh look at hiring, a comprehensive plan to de-stress bloated lenders, capital infusion, accountability incentives with higher rewards including Stock Options and cleaning up governance.The 7 Elements includes:a. Appointmentsb. Bank of Board Bureauc. Capitalizationd. De-Stressing Public Sector Bankse. Empowermentf. Framework of accountabilityg.Governance Reforms2. Gyan Sangam : Gyan Sangam is the meet of various banks, financial institutions and insurance companies in order to discuss for enhancing the digitisation of the banking system in India and ways to increase the use of Artificial Intelligence (AI) systems and big data analytics in the banking & financial services industry in India.3. Bankruptcy and Insolvency Code: The Insolvency and Bankruptcy Code, 2016 (IBC) is the bankruptcy law of India which seeks to consolidate the existing framework by creating a single law for insolvency and bankruptcy.The code could ensure quicker resolution of NPA (Non- performing Assets) problems, especially in PSU banks. In fact, the Financial Stability Report issued by RBI in 2015 indicates that corporate sector vulnerabilities and the impact of their weak balance sheets on the financial system needs closer monitoring. The time-bound insolvency resolution process would definitely help the financial services industry function better.Bankruptcy laws accept that business ventures can fail and allow entrepreneurs to make a new start. While facilitating failed firms to wind up painlessly, the code can pave the way to resurrection also.Schemes for sports:Revamped Khelo India: this marks a watershed moment in the history of Indian sports, as the programme aims at mainstreaming sport as a tool for individual development, community development and national development. Under this scheme, each selected athlete shall receive an annual scholarship worth ₹5 lakh for 8 consecutive years.National Sports Talent Search Portal: to unearth sporting talent from every nook and corner. The portal will be also available as smartphone application. Using this portal, a child or his parents, coaches or teachers can upload their biodata or video on the portal.Schemes for household:SAUBHAGYA: Pradhan Mantri Sahaj Bijli Har Ghar Yojana: to ensure electrificationof all willing households in the country in rural as well as urban areas here today.National Nutrition Strategy: NITI AYOG has launched this scheme aiming at Kuposhan Mukt BharatNational Rural Drinking Water Program Continuation and Restructuring : aim is to provide every rural person with adequate safe water for drinking, cooking and other basic domestic needs on a sustainable basis, with a minimum water quality standard, which should be conveniently accessible at all times and in all situations. Though this was already under NRDWP Started in 2009, Union cabinet has accorded its approval for continuation and restructuring.KUSUM SCHEME: The scheme will work towards promoting solar power production a.k.a. solar farming up to 28,250 MW to help farmers.KEY FACTS ABOUT THE KUSUM SCHEMEKUSUM scheme will provide 1.75 million off-grid agricultural solar pumpsIt will build 10,000 MW solar plants on barren lands for solar farmingFarmers will be given a chance to earn extra income if they help produce additional power by setting up solar power project on their barren landThe energy produced by the farmers on their barren land will be bought by the state electricity distribution companies (DISCOMS)The scheme is likely to decrease the consumption of diesel in the agriculture sector (used in pumps)KUSUM scheme also includes the distribution of 17.5 lakh solar pumps for which 60 per cent subsidy will be given to the farmers.Scheme for Fisherman:Sagar Vani project: is an integrated information dissemination system that will serve the coastal community, especially the fisherman community with the advisories and alerts towards livelihood as well as their safety at seaHealth related schemes:Mission indradhanush and then Intensified Mission Indradhanush: “Let no child suffer from any vaccine-preventable disease". This was stated by Prime Minister Shri Narendra Modi as he launched the Intensified Mission Indradhanush (IMI) at Vadnagar in Gujarat, today. Through this programme, Government of India aims to reach each and every child under two years of age and all those pregnant women who have been left uncovered under the routine immunisation programme. The special drive will focus on improving immunization coverage in select districts and cities to ensure full immunization to more than 90% by December 2018. The achievement of full immunisation under Mission Indradhanush to at least 90% coverage was to be achieved by 2020 earlier. With the launch of IMI, achievement of the target has now been advancedAyushman Bharat project: The Government today announced two major initiatives in health sector , as part of Ayushman Bharat programme. The Union Minister for Finance and Corporate Affairs, Shri Arun Jaitely while presenting the General Budget 2018-19 in Parliament here today said that this was aimed at making path breaking interventions to address health holistically, in primary, secondary and tertiary care systems, covering both prevention and health promotion.The initiatives are as follows:-(i) Health and Wellness Centre:- The National Health Policy, 2017 has envisioned Health and Wellness Centres as the foundation of India’s health system. Under this 1.5 lakh centres will bring health care system closer to the homes of people. These centres will provide comprehensive health care, including for non-communicable diseases and maternal and child health services. These centres will also provide free essential drugs and diagnostic services. The Budget has allocated Rs.1200 crore for this flagship programme. Contribution of private sector through CSR and philanthropic institutions in adopting these centres is also envisaged.(ii) National Health Protection Scheme:- The second flagship programme under Ayushman Bharat is National Health Protection Scheme, which will cover over 10 crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage upto 5 lakh rupees per family per year for secondary and tertiary care hospitalization. This will be the world’s largest government funded health care programme. Adequate funds will be provided for smooth implementation of this programme.Other schemes:Ajeevika Grameen Express Yojna: to provide an alternative source of livelihood to members of Self Help Group (SHGs). This scheme has been launched under Deendayal Antyodaya Yojna - National Rural Livelihoods Mission (DAY - NRLM). This scheme will facilitate them to operate public transport services in background rural areas.PENCIL PORTAL - Platform for Effective Enforcement for No Child Labour: its an electronic platform that aims at involving Centre, State, District, Governments, civil society and general public in achieving the target of child labour free society.It encompasses various components- Child Tracking System, Complaint Corner, State Government, National Child Labour Project and Convergence. Each district will nominate District Nodal Officers (DNOs) who will receive the complaints. Within 48 hours of receiving complaints, DNOs will check genuineness of complaint and take rescue measures in coordination with police, if complaint is genuine. So far, 7 states have appointed DNOs.3. National Biopharma Mission: this is an Industry- Academia Mission to accelerate bio pharmaceutical development in India.4. VAJRA - Visiting Advanced Joint Research : this scheme enables NRIs and oversees scientific community to participate and contribute to research and development in India.5: Test and Treat Policy for HIV patients: Test-and-treat is an intervention strategy in which the population at risk is screened for HIV infection and diagnosed HIV infected individuals receive early treatment, aiming to eliminate HIV as it reduces the rate of spreading the virus to other people.6. DIGITAL POLICE PORTAL: will enable citizens to register FIRs online and the portal will initially offer seven public delivery services in all states and UTs like person and address verification e.g. of employees, tenants, nurses etc, permission for hosting Public Events, Lost and Found Articles and Vehicle theft etc.It will provide investigator the complete record history of any criminal from anywhere across the country.7. Nationwide campaign - Gaj yatra: A nationwide campaign to protect elephants on the occasion of World Elephant Day.8. SHE BOX portal: The Minister of Women & Child Development, Smt Maneka Sanjay Gandhi launched an online complaint management system titled Sexual Harassment electronic–Box (SHe-Box) for registering complaints related to sexual harassment at workplace in New Delhi today. The complaint management system has been developed to ensure the effective implementation of Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal) Act (the SH Act), 2013.This portal is an initiative to provide a platform to women working or visiting any office of Central Government (Central Ministries, Departments, Public Sector Undertakings, Autonomous Bodies and Institutions etc.) to file complaints related to sexual harassment at workplace under the SH Act. Those who had already filed a written complaint with the concerned Internal Complaint Committee (ICC) constituted under the SH Act are also eligible to file their complaint through this portal. The SHe-Box portal can be accessed at the link given below:http://www.wcd-sh.nic.in9. Sankalp and strive schemes:STRIVE scheme: will incentivize ITIs to improve overall performance including apprenticeship by involving SMEs (Small Scale Enterprises), business association and industry clusters. It will develop robust mechanism for delivering quality skill development training by strengthening institutions- National Skill Development Corporation (NSDC), State Skill Development Missions (SSDMs), Sector Skill Councils, ITIs and National Skill Development Agency (NSDA) etc.It will support universalization of National Skills Qualification Framework (NSQF) including National Quality Assurance Framework (NQAF) across skill development schemes. It will provide required push to National Skill Development Mission 2015 and its various sub missions. It is also aligned to flagship Government programs such as Make in India and Swachhta Abhiyan.SANKALP scheme : envisages setting up of Trainers and Assessors academies with self-sustainable models. Over 50 such academies are to be set up in priority sectors. It will leverage institutions for trainingtrainers in both long and short term VET thereby bringing about convergence. Additional trainer academies will also be set up.It will focus on greater decentralization in skill planning by institutional strengthening at State level which includes setting up of SSDMs and allow states to come up with State and District level Skill Development Plans (SSDPDSDP).It also aims at enhancement of inclusion of underprivileged and marginalized communities including women, Scheduled Castes (SCs)/Schedule Tribes (STs) and Persons with Disabilities (PWD). It will also develop a skilling ecosystem that will support the country’s rise in Ease of Doing Business index.10. Anti Narcotics Scheme: aims to combat illicit trafficking in drugs and psychotropic substance. The purpose is to assist state governments and UTs which are contributing in controlling the inter-state and cross border drug trafficking.11. Atal Bhujal Yojna: to tackle ever-deepening crisis of depleting groundwater level12. Gobar-Dhan yojna: the solid waste and cattle dung will be composed into useful elements such as Bio-CNG and Bio-gas.13. National Bamboo Mission: The Mission would ensure holistic development of the bamboo sector by addressing complete value chain and establishing effective linkage of producers (farmers) with industry.Beneficiaries:The scheme will benefit directly and indirectly the farmers as well as local artisans and associated personnels engaged in bamboo sector including associated industries. Since it is proposed to bring about one lakh ha area under plantation, it is expected that about one lakh farmers would be directly benefitted in terms of plantation.States/ districts covered:The Mission will focus on development of bamboo in limited States where it has social, commercial and economical advantage, particularly in the North Eastern region and States including Madhya Pradesh, Maharashtra, Chhattisgarh, Odisha, Karnataka, Uttarakhand, Bihar, Jharkhand, Andhra Pradesh, Telangana, Gujarat, Tamil Nadu and Kerala.The Mission is expected to establish about 4000 treatment/ product development units and bring more than 100000 ha area under plantation.Impact:Bamboo plantation will contribute to optimizing farm productivity and income thereby enhancing livelihood opportunities of small & marginal farmers including landless and women as well as provide quality material to industry. Thus, the Mission will not only serve as a potential instrument for enhancing income of farmers but also contributing towards climate resilience and environmental benefits. The Mission will also help in creating employment generation directly or indirectly in both skilled and unskilled segments.14. Secure Himalaya project:The Union Government had launched SECURE Himalaya, a six-year project to ensure conservation of locally and globally significant biodiversity, land and forest resources in high Himalayan ecosystem spread over four states viz. Himachal Pradesh, Jammu and Kashmir, Uttarakhand and Sikkim.Key FactsThe SECURE project aims at securing livelihoods, conservation, sustainable use and restoration of high range Himalayan ecosystems. It is meant for specific landscapes including Changthang (Jammu and Kasmir), Lahaul – Pangi and Kinnaur (Himachal Pradesh), Gangotri – Govind and Darma – Byans Valley in Pithoragarh (Uttarakhand) and Kanchenjunga – Upper Teesta Valley (Sikkim).The key focus areas of the project is protection of snow leopard and other endangered species and their habitats and also securing livelihoods of people in region and enhancing enforcement to reduce wildlife crime. Under it, enhanced enforcement efforts and monitoring will be undertaken to curb illegal trade in some medicinal and aromatic plants which are among most threatened species in these landscapes.15. Operation Greens: aims to promote farmer producers organisations, agri-logistics, processing facilities and professional management. The operation aims to aid farmers and help control and limit the erratic fluctuations in the prices of onions, potatoes and tomatoes.