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Try this site where you can compare quotes://INSUREFOREVERYBODY.INFO/index.html?src=compare//RELATEDCar Insurance? There has to be a way.?My X has had two accidents and a speeding ticket in the last two years. Her insurance company dropped her. The car she is driving now is financed and as everyone knows, it must carry full coverage, but the quotes are crazy. From $200 a month to $430 a month. She used to pay $65 a month. Can anyone suggest how to get full coverage and still keep her pocketbook happy?”Choosing a Family Health Insurance?Hello, What is the suggested Health Insurance for entire family (Ex: 2 adult and 1 kid or 2 kids) among the nationalized providers (National Insurance; Oriental Insurance; New India Assurance; United India Insurance)? Thank You.”What is a good and cheep health insurance?i only need it for a month i’m 19 years old and in good health. oh i live in floridAuto Insurance Rates Increased for NO Reason?I was in an accident where the other driver was negligent. However, we both have the same insurance company. It’s been nearly a year and since I’ve been receiving the run around from them, I decided to get a lawyer. Once my lawyer contacted them, 2 weeks later my bimonthly bill went up about $15 (over $30/month). Keep in mind, that for nearly a year my rates remained the same but less than 3 weeks after my lawyer contacted them, up the rates went. Is this normal? Is this illegal? Should I inform my lawyer of this shady action?”Stopped for no car insurance but we do have insurance car seized not fair?11.30pm last night pulled over said no insurance.Did not have insurance document in the car,just the license.Because of the time they seized the car because they could not phone the insurance company.Told them only way i can get proof is bank statement as i was 20 miles from home,but that was still not good enough.I have paid insurance by direct debit for the last 2 years and no http://problems.so i am well cheesed off this has happened. Have produced the lenience at local station,and shown them documents,they phoned the insurance company and have now give released papers to pick up the car.I am very unhappy with this whole situation and now out of pocket. Is there anyway of claiming the costs from police or insurance company,whoever it is to blame,as there is no way i can be liable for something i am paying for,and to pay 30in taxi fares another 20 to get to the car compound and another 170 to release the car.There must be a way i claim this money back as i feel i am in the right.plus have to fight the 200 fine and 6points also totally unfair and messed up situation this is. I just can’t except the inconvenience and the costs that i have to pay when i am legit on the road.surely i can claim if anyone knows”Renters insurance?What is a good company to have renters insurance through, that is still pretty cheap?”Two hit and run claims in one year … are they gonna stick it to me with my insurance rates?One car parked outside my house, got sideswiped earlier this year and of course, I had no idea who (middle of the night hit and run). I made a claim against the insurance to fix it, and they ended up paying out about $750. My OTHER car had the same thing happen to it yesterday morning (I found out when I went to go to work) so I got an estimate at lunch and it’s gonna be at least $2500 to repair THIS damage (at the insurance companie’s preferred shop). No suspects, no witnesses, nobody to point the finger at. $250 deductible I can manage to scrape together, but … will my insurance company (Nationwide) hike my rates, and if they do is it likely to be a little or a LOT ? I’ve had them for four years, I have mediocre credit but a spotless driving record, and now TWO no fault claims in 2008 … I haven’t called them yet to report it, but I probably need to TODAY if I am going to …”Renewing car insurance after non-fault claim?I am due to renew my car insurance and am looking for new quotes. In February I got hit by another driver. It went through the insurance and (after a while) she was found to be liable for the incident and all my and my insurers costs were recouparated from her insurance. When I’m looking at quotes it asks me for incidents in last 3/5 years. I assume need to declare this, despite it not being my fault, as it went through the insurance. But it asks for the total cost of the claim but won’t except 0. How do I fill this section in correctly. It’s driving me bonkers!!!!”I need affordable insurance on my car any suggestions?well i’ve been driving around for 9 months now w/out insurance. my car’s a 2001 dodge neon standard model and i paid cash for it (no car note). im afraid that if im pulled over by the chp my car will get towed. im on a budget and i really need an affordable monthly premium. im 28 yrs old i got my driving license at 26 yrs old then got 2 tickets like 2 months later. one ticket was a failure to yield on a right turn w/ a red light and as a result i caused an accident but there was no bodily harm or property damage to the other driver only to my car it was totaled and i wasn’t harmed. i recently was pulled over and given a speeding ticket too. what is the difference in full vs. liability insurance? i do know that liability is cheaper. which should i consider? also does anyone know of any insurance co. that don’t require a huge down payment to start?and would insure my car w/out a huge monthly premium?Insurance for full time student in Texas.?I will be attending college full time starting in the spring at Lone Star College in Kingwood, Texas. It is just a 2 year college. I will need insurance from my medicine that I take daily, and seeing the Doctor, if needed. I am in Texas, and will be on a tight budget, as I don’t know if my job will let me work part-time or not. I am also a single mother, but won’t have to carry him because his father has him covered on his policy. Any suggestions? Any help would be appreciated:o)”

Price influences the consumer’s likelihood to purchase. In fact, 80% of shoppers say that competitive prices drive their purchase decisions.E-commerce companies including Flipkart, Amazon andSnapdeal are funding discounts on their sites using mechanisms as complex as the complicated structures some have adopted to circumvent foreign direct investment (FDI) laws in India.The three major e-commerce companies operating in India—Flipkart, Amazon and Snapdeal—all operate as marketplaces. That’s primarily because Indian law doesn’t allow FDI in e-commerce sites that sell directly to customers, but allows it in marketplaces that link sellers and buyers. The marketplaces also provide services such as payment, storage and delivery.As direct retail is banned, marketplaces are not allowed to exercise control over the product prices of the sellers on their platforms, including on the matter of discounts.Still, Flipkart, Amazon and Snapdeal do actually have a significant say in deciding product prices as all the three sites finance part and, in some cases, the full amount of discounts offered by sellers albeit in an indirect manner, according to six people with direct knowledge of the matter. None of them wished to be identified, given the sensitivity of the matter.The indirect manner of funding discounts (detailed below) may pose another headache for state tax authorities, which are already struggling to understand the business models of e-commerce firms.The Karnataka commercial tax department has stopped Amazon India from selling electronics and several other products from its warehouse in the state by cancelling the licences of third-party merchants that work with the local unit of the world’s largest online retailer, Mint reported on 15 September.Discounts are essential for e-commerce firms. Shoppers have taken to online shopping in a big way, mostly because of the lucrative discounts offered by e-commerce firms. At the same time, the deep discounting has attracted the ire of brick-and-mortar retailers, which are fighting to survive after losing customers to online retailers.The discounting process highlights some of the ways in which these sites spend the huge amounts of money that they have raised from investors, or in Amazon’s case, received from its parent company.Since starting out in 2007, Flipkart has raised $1.8 billion from investors such asTiger Global Management and Naspers, including $1.2 billion this year. Snapdeal will soon receive more than $600 million from investors led by Softbank Corp., adding to the $233.7 million it raised earlier this year, Mint reported on 18 September.According to analysts, the various methods of offering discounts adopted by e-commerce firms also reinforces the need for state governments to issue clarifications on e-commerce and come up with a clear tax code addressing the nascent but fast-growing business.Mint lists some of the ways in which the three sites—Amazon, Flipkart and Snapdeal—fund discounts on their sites.AmazonAfter comparing prices with other sites, Amazon recommends the amount of discounts to its sellers on products, but doesn’t force them to adopt these suggested prices. Sellers, however, end up keeping these suggested prices because Amazon finances the discounts. This is how it works: at the end of a certain period, sellers send a debit note to Amazon titled “promotional funding”. This note contains the amount of discount that the seller gave on apparel, electronics, toys and other products sold on the site. Amazon then pays the seller by cheque and in some cases, also gives additional money as the seller’s margin. This debit note is over and above what Amazon collects from the customer.The debit note also includes service tax that the seller collects from Amazon on the amount of the discounts. The seller then pays the service tax to the central government. In effect, the amount of discounts are currently being treated under central service tax laws rather than state tax laws.For instance, if a product priced Rs.100 is sold for Rs.70 by a seller on Amazon, the online retailer will collect Rs.70 from the customer, keep a cut for itself, and give the remaining proceeds to the seller. Then, Amazon will also give the seller an additional amount to account for the discount offered by the seller. This amount could be Rs.30 or lower.This method potentially poses a problem for state tax authorities. Tax is typically charged on the product when there’s a transfer of ownership.In the case of e-commerce, sales tax is collected on the cost of the product and then on the price at which it is sold to the final customer. If a product is sold on a site below the cost price—as it happens in some cases—then the tax collected from the customer is much lower than what was paid originally. In this case, the seller would potentially be eligible to get a tax refund from the concerned state tax department.An Amazon spokesperson insists that, “prices for products on the Amazon.in marketplace are determined by the sellers. We work hard and continually innovate to offer services such as FBA (Fulfilment by Amazon) and Easyship to sellers on our platform, that enables them to significantly lower their cost of selling and reducing defects as they sell to a nationwide customer base. Sellers pass on these savings as lower prices on the platform. On occasions, to promote our platform, we run marketing promotions”.“We cannot comment on the tax practices of sellers who are independent business entities and responsible for their own taxes. As and when requested we extend our full cooperation to the tax authorities so that they are able identify and prevent tax leakages if any,” the spokesperson added.FlipkartWS Retail Services Pvt. Ltd, a seller on Flipkart, accounts for more than 75% of the site’s sales. For products sold by WS Retail, Flipkart doesn’t fund discounts. However, with other sellers, Flipkart suggests prices but unlike Amazon doesn’t typically pay the amount of discounts to sellers by cheque. Instead, it forgoes commissions or listing fees that marketplaces usually charge their sellers, according to two of the six people cited above.During Flipkart’s recent Big Billion Day sale, many of the sellers apart from WS Retail were simply promised a certain amount and discounts were almost entirely funded by Flipkart. Sellers were paid through bank transfer by Flipkart, according to the people cited above.With WS Retail, though, Flipkart has a closer business relationship.WS Retail was owned by Flipkart co-founders Sachin Bansal and Binny Bansal(unrelated) until September 2012. The Bansals and two of their relatives were also board members at WS Retail.In September 2012, the Bansals were forced to sell a large stake in WS Retail to formerOnMobile Global Ltd chief operating officerRajeev Kuchhal, just weeks before the Enforcement Directorate launched an investigation into the company’s business relationship with WS Retail. Both the Bansals and their relatives gave up their board seats, too.Mint reported on 6 October that Tapas Rudrapatna and Sujeet Kumar, known to be close to the Bansals, control 46% of WS Retail, according to filings with the Registrar of Companies (RoC). Rudrapatna and Kumar were employed by Flipkart at least until September 2012. Their email addresses are still those of Flipkart, though Sujeet Kumar is listed as a permanent employee of WS Retail in documents with the RoC.A Flipkart spokesperson did not reply to an email seeking commentSnapdealLike Amazon, Snapdeal also finances part or full discounts given by most of its sellers. Snapdeal pays sellers by Real Time Gross Settlement, a form of Internet banking, or by cheque. Snapdeal refers to the discounts as “promotional expenses”.During Snapdeal’s recent Buy One, Get One promotional offer, sellers were paid for both products by Snapdeal, which charged its commission fee only on one item.Source-How Flipkart, Amazon and Snapdeal fund discounts

Disclaimer: I am former AAP (in 2012, in Ahmedabad, I joined AAP because initially I thought that they are against corruption but soon I found the agenda of party, they are just against a person and his name is Modi) member but when I went to their office so that they can give some informative work that can be beneficial to public but I don't get it, instead they asked me to do research on something which is annoying me and that to for their rival of politics, I asked to do research how Modi is doing good thing and yes, propaganda was to publish the loopholes in media to defame the initiative took by him in an adverse manner that can grab the votes to AAP. While doing research I found some good things which are the initiatives led by our Honourable Prime Minister Mr. Modi. I resigned from AAP in 2013, and never joined either BJP or any other political party.I have witnessed some changes and below are some summarised examples I have of change that I have witnessed:Change of mindset: People of India moreover on Quora asked about change after he became Prime Minister. Yes, I have seen people throwing garbages here and there but I can easily see people now a days want cleanliness around them. This mentality was gifted by Swachch Bharat Abhiyan. Suddenly, I can see vendors also support his good initiatives and had Benner like this in front of their shops, “If you can read this, we assume are enough educated, we are not charging any amount for throwing garbage in dustbin. Please keep clean.” Yes, it happened when I visited Vadodara when I saw some volunteer informing passengers for not spitting and keeping the Newly Opened Bus Depot clean. Some of the people are there who were found spitting and they got punished for Rs. 500 on public place by the authority. It is necessary to keep our surroundings clean, Modi just started this from root level and also he broke the stereotype mentality that a PM cannot handed a broom to motivate people to keep the surrounding clean. Yes, he did in Varanasi. He started this initiative just after he took over the change of being a Prime Minister. Since then I can see this awareness.Fear in Government official to ask bribe: In 2014, in winter of December I went to Delhi for my official visit to DGS&D department for getting a certificate of the same, I went there without any appointments or any prior information to their director. I just met their PRO, co-incidently his name was also Narinder which resembles Modi's first name. I asked him to get an appointment and I was stunned when he just went to the director and said the person of Gujarat coming straight to meet you, the director granted me an appointment. Soon, the meeting was started and he asked me how was Modi in Gujarat being a Chief Minister, I said yes he was very good CM while he served as CM. I was stunned when he said that he was doing job still it was on Sunday to complete his work, I said why on Sunday, he answered you send the man to Delhi just to monitor what their departments are doing on duty, so I also need to complete my work before deadlines and issue certificates on time to our applicants. Soon, after completing our meeting he said something which left me with my goosebumps and he said, you send a man who also not eat and don't let other to eat (he was talking about bribe). This fear should be there in government official's mind and they better should understand they are there to help is not to torture us. I was in Delhi after Kejriwal became CM for second time after he resigned from 49 days government.Routine habits: If I talk about recent developments, he rashes the high denomination currency notes and demonatisation took place where people cannot withdraw more than ₹2500 from their ATMs, we saw queues also, but also we observed that he change the habit of overspending and teach us how we can survive in limited span of money and can control our unnecessary expense. Small companies are also now giving cheques to pay the salary of their lower level staffs like servents and watchmen after opening their bank accounts in the same way that they have opened accounts of their higher level staff in banks. It's something good. I paid by PayTM for purchasing cigarette at a Parlour where Pan and Cigarettes were sold, on petrol pump I paid by my debit card and also my mother who used to carry cash is now carrying debit card for her routine puechsses, though my mother was not well-educated but I teach her how to use it for the sake of her benefits. Moreover, my mother is also spreading the same thing to her circle friends and those ladies are also using debit cards now for their purchases, for your information my mother is used to provide tiffin service and she also running a primary education classes to those children who are coming from backward background since last 20 years.Political scenario: Now a days people of the nation and media kept their eyes on WHAT MODI IS DOING AND WHAT HE IS GOING TO DO? It's great thing where a government is continuously monitored and criticized also for what they have done and what they are doing. Before that people used to see news and just updating the status on their social media platforms. But now a days, people are wise, they are using Quora and asking some change that Modi has brought.Schemes for which that actually have impact in your and others life: Yes, lower cost schemes lead his governance to a benchmark. In simple terms, if I want to explain this, just have an example of his earlier schemes like Pradhan Mantri Jandhan Yojana, where government given target to private sector banks as well as Public sector banks to reach as many people as they can and I can say with proof the data of opening of accounts is continuously monitored by the concerned authorities and sent to government on regular basis. So, his focus was on banking sector to strengthen the financial system through banking and the lazy lame bankers we saw in early 90s are now proactive like never before. He further connect the earlier government schemes to Aadhar and linked it with the bank accounts, it is also nice step towards the change, because if Rajiv Gandhi himself said Government sent 1 rupee and people is getting only few paisas for benefits it is very shameful. Subsidies are now directly coming to accounts without any cutting of commission or corruption.Doing something for people who actually need: Ujjwala Yojana is an example, where a housewife can have gas connection easily if she don't have. Moreover many schemes he introduced in favour of the people who actually need it, Pradhan Mantri Jivan Jyoti Insurance Scheme is also an example he set by providing lacs or cover at negligible amount of Rs. 12 or Rs. 360. I was worked with an organisation where they have provided this insurance schemes to their staffs like watchmen and servents and paying premium for them and same in case of Atal Pension Scheme. It's a change.Decision he took in favour of national interest: Either his decision of demonatisation or his decision of surgical strikes, left vast impact on people which increases their trust on government. Many things but few sentences are enough to understand this because I am not getting paid by BJP to promote this.Change is a continuous process and if you observe your surroundings as well as your own self you will definitely agree with whatever I have written over here directly or indirectly.I need to mention here the schemes he has announces and little bit about those schemes and initiatives he took during this 2.5 year tenure of his government:Pradhan Mantri Jan Dhan Yojana (PMJDY)Launched: ‎28 August 2014Main Objective: Financial inclusion and access to financial services for all households in the country.Official Website: Pradhan Mantri Jan-Dhan YojanaPradhan Mantri Sukanya Samriddhi Yojana (PMSSY)Launched: 22 January 2015Main Objective: Secure the future of girl childSukanya Samriddhi Yojana is an ambitious small deposit savings scheme for a girl child. Under the scheme, a saving account can be opened in the name of girl child and deposits can be made for 14 years. After the girl reach 18 years of age, she can withdraw 50% of the amount for marriage or higher study purposes.After the girl completes 21 years of age, the maturity amount can be withdrawn including the interest at rates decided by Government every year.The investments and returns are exempt from section 80C of Indian income tax act. The maximum investment of Rs. 1.5 Lakh per year can be made while minimum deposit is Rs. 1000/- per year.In case of more than one girl child, parents can open another account on the different name but only for 2 girl child. Only exception is that the parents have twins and another girl child.Official Website: National Savings Institute ::Pradhan Mantri MUDRA Yojana (PMMY)Launched: 8 April 2015Main Objective: Financial support for growth of micro enterprises sector.Pradhan Mantri MUDRA (Micro Units Development and Refinance Agency) Yojana was launched with the purpose to provide funding to the non-corporate small business sector. Pradhan Mantri Mudra Yojana (PMMY) is open and is available from all Bank branches across the country.The small businesses/startups or entrepreneurs can avail loans from Rs. 50 thousand to 10 Lakh to start/grow their business under the three, Shishu, Kishore and Tarun categories of the scheme.As per the official website of PMMY, 27344053 number of loans have been sanctioned under the scheme till 26 February 2016. The amount sanctioned has reached more than Rs. 1 Lakh Crore.Official Website: Micro Units Development & Refinance Agency Ltd.Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)Launched: 9 May 2015Main Objective: Provide life insurance cover to all Indian citizensPradhan Mantri Jeevan Jyoti Bima Yojana is a government backed life insurance scheme in India aimed at increasing the penetration of life insurance cover in India. The scheme is open and available to all Indian citizens between the age of 18 to 50 years.Under the scheme, the policy holder can get a life insurance cover of Rs. 2 Lakh with an annual premium of just Rs. 330 excluding service tax. All the Indian citizens between 18-50 years of age with a saving bank account are eligible to avail the scheme.Official Website: Jan-Dhan Se Jan SurakshaPradhan Mantri Suraksha Bima Yojana (PMSBY)Launched: 9 May 2015Main Objective: Provide accidental insurance cover to all Indian citizensPradhan Mantri Suraksha Bima Yojana is also a government backed accident insurance scheme in India aimed at increasing the penetration of accidental insurance cover in India. The scheme is open and available to all Indian citizens between the age of 18 to 70 years.Under the scheme, the policy holder can get a life insurance cover of Rs. 2 Lakh with an annual premium of just Rs. 12 excluding service tax. All the Indian citizens between 18-70 years of age with a saving bank account are eligible to avail the scheme.Official Website: Jan-Dhan Se Jan SurakshaAtal Pension Yojana (APY)Launched: 9 May 2015Main Objective: Increase the number of people covered under any kind of pension scheme.Atal Pension Yojana is one of the three Jan Suraksha schemes launched by PM Narendra Modi. APY is aimed at increasing the number of pension scheme beneficiaries across the country. The scheme is especially targeted to the private unorganized sector and is open to all Indian citizens between the age of 18 to 40 years.Under the scheme, the beneficiary have to make contribution for at least 20 years before he/she can get pension after attaining age of 60 years. The scheme provides a monthly pension of Rs 1000 to Rs. 5000 per month based on the contribution amount.Official Website: Jan-Dhan Se Jan SurakshaPradhan Mantri Awas Yojana (PMAY)Launched: 25 June 2015Main Objective: Achieve housing for all by the year 2022, 2 crore in Urban and 3 Crore homes in Rural areas.Pradhan Mantri Awas Yojana is an ambitious scheme of Narendra Modi Government. Under the PMAY, the government aims to provide about 5 Crore affordable homes to the people belonging to EWS and LIG categories by the year 2022. There is a target of building 2 crore homes in urban area and 3 crore in rural areas across the country.Under the scheme, the government will provide financial assistance to the poor home buyers, interest subsidy on home loan and direct subsidy on homes bought under the scheme.Official Website: http://mhupa.gov.inSansad Adarsh Gram Yojana (SAGY)Launched: 11 October 2014Main Objective: Social, cultural, economic, infrastructure developments in the villages, i.e. development of model villages called “Adarsh Gram”Under the Yojana, Members of Parliament (MPs) will be responsible for developing the socio-economic and physical infrastructure of three villages each by 2019, and a total of eight villages each by 2024.Official Website: Welcome to Ministry of Rural Development (Govt. of India)Pradhan Mantri Fasal Bima Yojana (PMFBY)Launched: 11 October 2014Main Objective: Provide insurance cover to rabi and kharif crops and financial support to farmers in case of damage of crops.In order to make crop insurance simpler and cheaper for the farmers and to provide them with better insurance services, a Central Sector Scheme of Pradhan Mantri Fasal Bima Yojana (PMFSY) was launched by the Government of India replacing NAIS and MNAIS.Under the new scheme, farmers will have to pay a uniform premium of two per cent for all kharif crops and 1.5 per cent for all rabi crops.The scheme will be implemented from the kharif season this year, i.e. 2016.Official Website: http://agricoop.nic.inPradhan Mantri Gram Sinchai Yojana (PMGSY)Launched: 01 July 2015Main Objective: Irrigating the field of every farmer and improving water use efficiency to provide `Per Drop More Crop’.The scheme is aimed to attract investments in irrigation system at field level, develop and expand cultivable land in the country, enhance ranch water use in order to minimize wastage of water, enhance crop per drop by implementing water-saving technologies and precision irrigation.All the States and Union Territories including North Eastern States are covered under the programme.The government has approved Rs.50,000 crore for the implementation of Pradhan Mantri Krishi Sinchai Yojana for next 5 years, i.e. up to 2020.Official Website: http://agricoop.nic.inPradhan Mantri Garib Kalyan Yojanaye (PMGKY)Launched: April 2015Main Objective: Implement the pro-poor welfare schemes in more effective way and reaches out to more poor population across the country.Garib Kalyan Yojana is a Poverty Alleviation Scheme, which is primarily a work shop that you can pay and attend. The effort of the campaign and workshop is to motive and appraise the member of parliaments to help them effectively implement the government run schemes for the welfare of poor in the country.Official Website: http://niti.gov.inPradhan Mantri Jan Aushadhi Yojana (PMJAY)Launched: March 2016 (Expected)Main Objective: Provides drugs/medicines at affordable cost across the country.The scheme is a new version of earlier Jan Aushadhi Yojana, to be renamed as Pradhan Mantri Jan Aushadhi Yojana, the scheme aims to open 3000 Jan Aushadhi stores to sell drugs at affordable cost.Under the scheme, over 500 medicines will be sold through Jan Aushadhi stores at price less than the market price. Private hospitals, NGO’s, and other social groups are eligible to open the Jan Aushadhi stores with a onetime assistance of Rs. 2.5 Lakh from the central Government.**The scheme is yet to be launched in March 2016.Official Website: Jan Aushadhi : An Initiative of Government of IndiaMake in IndiaLaunched: 25 September 2014Main Objective: To encourage multi-national, as well as domestic companies to manufacture their products in India and create jobs and skill enhancement in 25 sectors.The major objective behind the initiative is to focus on job creation and skill enhancement in 25 sectors of the economy. The initiative also aims at high quality standards and minimising the impact on the environment. The initiative hopes to attract capital and technological investment in India.Official Website: http://www.makeinindia.comSwachh Bharat AbhiyanLaunched: 2 October 2014Main Objective: To fulfil Mahatma Gandhi’s dream of a clean and hygienic India.Swachh Bharat Mission is being implemented by the Ministry of Urban Development (M/o UD) and by the Ministry of Drinking Water and Sanitation (M/o DWS) for urban and rural areas respectively.Official Website: Swachh Bharat #MyCleanIndiaKisan Vikas PatraLaunched: 3 March 2015 (Re-Launched)Main Objective: To provide safe and secure investment avenues to the small investors.Kisan Vikas Patra is an investment scheme wherein the invested money will get doubled in 8 years and 4 months. However, investors would not get any tax benefit for their investment in Kisan Vikas Patra unlike in PPF. The Kisan Vikas Patra certificates would be available in the denominations of Rs 1,000, 5,000, 10,000 and 50,000 and there is no upper limit on investment in KVPs.Official Website: National Savings Institute ::Soil Health Card SchemeLaunched: 17 February 2015Main Objective: To help farmers to improve productivity from their farms by letting them know about nutrient/fertilizer requirements for their farms.The soil health card studies and reviews the health of soil or rather we can say a complete evaluation of the quality of soil right from its functional characteristics, to water and nutrients content and other biological properties. It will also contain corrective measures that a farmer should adopt to obtain a better yield.Official Website: http://www.soilhealth.dac.gov.inDigital IndiaLaunched: 1 July 2015Main Objective: To deliver Government services to citizens electronically by improving online infrastructure and by increasing Internet connectivity.The Digital India programme is a flagship programme of the Government of India with a vision to transform India into a digitally empowered society and knowledge economy. The vision of Digital India programme is to transform India into a digitally empowered society and knowledge economy.Official Website: Department of Electronics & Information Technology, Government of IndiaSkill IndiaLaunched: 16 July 2015Main Objective: Train over 40 crore people in India in different skills by 2022.The main goal of Skill India Program is to create opportunities, space and scope for the development of talents of the Indian youth. The scheme also targeted to identify new sectors for skill development and develop more of those sectors which have already been put under skill development for the last so many years.Official Website: Skill India PortalBeti Bachao, Beti Padhao YojanaLaunched: 22 January 2015Main Objective: To generate awareness and improving the efficiency of welfare services meant for women.The scheme is to have as focussed intervention and multi-section action in almost 100 districts with low Child Sex Ratio (CSR).Official Website: Ministry Of Women & Child Development | GoIMission IndradhanushLaunched: 25 December 2014Main Objective: To immunize all children as well as pregnant women against seven vaccine preventable diseases namely diphtheria, whooping cough (Pertussis), tetanus, polio, tuberculosis, measles and hepatitis B by 2020.The aim of Mission Indradhanush is to achieve full immunization in 352 districts which includes 279 mid priority districts, 33 districts from the North East states and 40 districts from phase one where huge number of missed out children were detected.Official Website: Mission IndradhanushDeen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY)Launched: 25 July 2015Main Objective: Electric supply feeder separation (rural households & agricultural) and strengthening of sub-transmission & distribution infrastructure including metering at all levels in rural areas.DDUGJY will help in providing round the clock power to rural households and adequate power to agricultural consumers. The earlier scheme for rural electrification viz. Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY) has been subsumed in the new scheme as its rural electrification component.Official Website: http://powermin.nic.inDeen Dayal Upadhyaya Grameen Kaushalya Yojana (DDUGKY)Launched: 25 July 2015Main Objective: To achieve inclusive growth, by developing skills and productive capacity of the rural youth from poor families.DDU-GKY aims to train rural youth who are poor and provide them with jobs having regular monthly wages. It is one of the cluster initiatives of the Ministry of Rural Development that seeks to promote rural livelihoods. It is a part of the National Rural Livelihood Mission (NRLM) – the Mission for poverty reduction called Aajeevika.Official Website: Deen Dayal Upadhyaya Grameen Kaushalya YojanaPandit Deendayal Upadhyay Shramev Jayate Yojana (PDUSJY)Launched: 16 October 2014Main Objective: To consolidate information of Labour Inspection and its enforcement through a unified web portal, which will lead to transparency and accountability in inspections.A Unified Labour Portal, known as the Shram Suvidha portal was launched under the scheme as a platform to facilitate the implementation of a transparent system for information and database management.Official Website: https://www.efilelabourreturn.gov.inAtal Mission for Rejuvenation and Urban Transformation (AMRUT)Launched: 24 June 2015Main Objective: Providing basic services (e.g. water supply, sewerage, urban transport) to households and build amenities in cities which will improve the quality of life for all, especially the poor and the disadvantaged.The purpose of Atal Mission for Rejuvenation and Urban Transformation (AMRUT) is to (i) ensure that every household has access to a tap with assured supply of water and a sewerage connection; (ii) increase the amenity value of cities by developing greenery and well maintained open spaces (e.g. parks); and (iii) reduce pollution by switching to public transport or constructing facilities for non-motorized transport (e.g. walking and cycling).Official Website: http://amrut.gov.inDownload PDF Version of the List of Narendra Modi SchemesSwadesh Darshan YojanaLaunched: 09 March 2015Main Objective: Develop world class tourism infrastructure.As part of the Swadesh Darshan Scheme, theme based tourism circuits (TBCT) around specific themes such as religion, culture, ethnicity, niche, etc. are identified for infrastructure development across the country.Official Website: http://tourism.gov.inPRASAD (Pilgrimage Rejuvenation and Spiritual Augmentation Drive)Launched: 09 March 2015Main Objective: Develop world class tourism infrastructure in Amritsar, Ajmer, Amaravati, Dwaraka, Gaya, Kanchipuram, Kedarnath, Kamakhya, Mathura, Puri, Varanasi and Vellankani.PRASAD scheme aims to create spiritual centres for tourism development within the nation. As part of mission strategy, religious destinations that have potential to be show-cased as world-class tourism products are identified and infrastructure is developed on a priority basis.Official Website: http://tourism.gov.inNational Heritage City Development and Augmentation Yojana (HRIDAY)Launched: 21 January 2015Main Objective: Bringing together urban planning, economic growth and heritage conservation in an inclusive manner to preserve the heritage character of each Heritage City.With a duration of 27 months (completing in March 2017) and a total outlay of INR 500 Crores, the Scheme is being implemented in 12 identified Cities namely, Ajmer, Amaravati, Amritsar, Badami, Dwarka, Gaya, Kanchipuram, Mathura, Puri, Varanasi, Velankanni and Warangal. The scheme is implemented in a mission mode.Official Website: Heritage City Development and Augmentation Yojana (HRIDAY)Udaan SchemeLaunched: 14 November 2014Main Objective: Encouraging girls for higher technical education and aims to provide a platform that empowers girl students and provides them with better learning opportunities.It is a mentoring and scholarship scheme to enable meritorious girl students to transit from schools to technical education without much difficulty and also aims to enrich and enhance teaching and learning of mathematics and science at senior secondary school level by providing free online resources for all.Official Website: Government of India, Ministry of Human Resource DevelopmentNational Bal Swachhta MissionLaunched: 14 November 2014Main Objective: To provide hygienic and clean environment, food, drinking water, toilets, schools and other surroundings to the children.The Bal Swachhta Mission is a part of the nationwide sanitation initiative of ‘Swachh Bharat Mission’ launched by the Prime Minister on 2nd October, 2014.Official Website: Ministry Of Women & Child Development | GoIOne Rank One Pension (OROP) SchemeLaunched: NAMain Objective: To provide same pension, for same rank, for same length of service, irrespective of the date of retirement.This is not a Modi Government scheme, however, the government is making its efforts to implement the long pending scheme.Official Website: Ministry Of Women & Child Development | GoISmart City MissionLaunched: 25 June 2015Main Objective: To develop 100 cities all over the country making them citizen friendly and sustainableUnder the mission, the NDA Government aims to develop smart cities equipped with basic infrastructure and offer a good quality of life through smart solutions. Assured water and power supply, sanitation and solid waste management, efficient urban mobility and public transport, robust IT connectivity, e-governance and citizen participation along with safety of its citizens are some of the likely attributes of these smart cities.Official Website: http://smartcities.gov.inGold Monetisation SchemesLaunched: 04 November 2015Main Objective: To reduce the reliance on gold imports over time.The programme is to lure tonnes of gold from households into the banking system. Under the scheme, people can deposit gold into the banks and earn interest based on the value of the gold.Official Website: Ministry of Finance, Government of IndiaStartup India, Standup IndiaLaunched: ‎16 January 2016Main Objective: To provide support to all start-up businesses in all aspects of doing business in India.Under the scheme, the start-ups will adopt self-certification to reduce the regulatory liabilities. An online portal, in the shape of a mobile application, will be launched to help start-up founders to easily register. The app is scheduled to be launched on April 1.Official Website: Ministry of Finance, Government of IndiaDigiLockerLaunched: ‎01 July 2015Main Objective: To provide a secure dedicated personal electronic space for storing the documents of resident Indian citizens.It is a part of Digital India programme, Digital Locker has been designed to reduce the administrative overhead of government departments and agencies created due to paper work.It will also make it easy for the residents to receive services by saving time and effort as their documents will now be available anytime, anywhere and can be shared electronically.Official Website: DigiLocker:Towards Paperless GovernanceIntegrated Power Development Scheme (IPDS)Launched: ‎18 September 2015Main Objective: To ensure 24/7 power for all.The Government of India will provide financial support of Rs. 45,800 crore over the entire implementation period of IPDS under which strengthening of sub-transmission network, metering, IT application, customer care Services, provisioning of solar panels will be implemented.Official Website: http://www.apdrp.gov.inShyama Prasad Mukherji Rurban MissionLaunched: ‎21 February 2016Main Objective: To create 300 rural clusters across the country and strengthen financial, job, and lifestyle facilities in rural areas.Rurban Mission is a solution for both villages and cities in the country that would promote growth of villages and its residents at the place where they are. Under the mission, the government will identify and develop 300 rural clusters with urban like facilities in the next 3 years.Official Website: | National Rurban MissionSagarmala ProjectLaunched: ‎31 July 2015Main Objective: To transform the existing ports into modern world class ports.The prime objective of the Sagarmala project is to promote port-led direct and indirect development and to provide infrastructure to transport goods to and from ports quickly, efficiently and cost-effectively.The Sagarmala Project, aimed at port-led development in coastal areas, is bound to boost the country’s economy and the government has lined up about Rs 70,000 crore for its 12 major ports onlyOfficial Website: Ministry of Shipping, Government of India‘Prakash Path’ – ‘Way to Light’ – The National LED ProgrammeLaunched: ‎05 January 2015Main Objective: To distribute LED bulbs and decrease the power consumption.This is one of the many schemes launched by Narendra Modi government India. The programme has been launched to distribute and encourage the use of LED light bulbs to save both cost and consumption.Official Website: http://powermin.nic.inUJWAL Discom Assurance Yojana (UDAY)Launched: ‎20 November 2015Main Objective: To obtain operational and financial turnaround of State owned Power Distribution Companies (DISCOMs).The Scheme aims to reduce the interest burden, reduce the cost of power, reduce power losses in Distribution sector, and improve operational efficiency of DISCOMs.Official Website: http://powermin.nic.inVikalp SchemeLaunched: ‎01 November 2015Main Objective: For confirmed accommodation in next alternative train for the waitlisted passengers.Vikalp scheme is available only for the tickets booked through internet for six months and option will be limited to mail and express trains running on Delhi-Lucknow and Delhi-Jammu sectors.Official Website: http://powermin.nic.inNational Sports Talent Search Scheme (NSTSS)Launched: ‎20 February 2015Main Objective: To Identify sporting talent among students in the age group of 8–12 years.The scheme is being implemented by the Sports Authority of India (SAI), under the Ministry of Youth Affairs & Sports for spotting talented young children in the age group of 8-14 years from schools and nurturing them by providing scientific training.Official Website: Sports Authority of India, MYASRashtriya Gokul MissionLaunched: ‎16 December 2014Main Objective: To conserve and develop indigenous bovine breeds.Rashtriya Gokul Mission aims to conserve and develop indigenous breeds in a focused and scientific manner. It is a focussed project under National Programme for Bovine Breeding and Dairy Development, with an outlay of Rs 500 crore during the 12th Five Year Plan.Official Website: Department of Animal Husbandry, Dairying & FisheriesPAHAL-Direct Benefits Transfer for LPG (DBTL) Consumers SchemeLaunched: ‎01 January 2015Main Objective: To send the subsidy money of LPG cylinders directly into the bank accounts of the consumers and increase efficiency & transparency in the whole system.Under the scheme, the LPG consumer can now receive subsidy in his bank account by two methods. Such a consumer will be called CTC (Cash Transfer Compliant) once he joins the scheme and is ready to receive subsidy in the bank account.Official Website: Department of Animal Husbandry, Dairying & FisheriesThe National Institution for Transforming India (NITI AAYOG)Launched: ‎01 January 2015Main Objective: to foster involvement and participation in the economic policy-making process by the State Governments of India.The National Institution for Transforming India (NITI) which replaced 65 year old Planning Commission will act more like a think tank or forum, in contrast with the Commission which imposed five-year-plans and allocated resources to hit set economic targets.Official Website: http://niti.gov.inPradhan Mantri Khanij Kshetra Kalyan Yojana (PMKKKY)Launched: ‎17 September 2015Main Objective: To Safeguard Health, Environment and Economic Conditions of the Tribals.Pradhan Mantri Khanij Kshetra Kalyan Yojana (PMKKKY) is meant to provide for the welfare of areas and people affected by mining related operations, using the funds generated by District Mineral Foundations (DMFs).Official Website: http://mines.nic.inNamami Gange ProjectLaunched: ‎ 10 July 2014Main Objective: To integrates the efforts to clean and protect the Ganga river in a comprehensive manner.Namami Gange approaches Ganga Rejuvenation by consolidating the existing ongoing efforts and planning for a concrete action plan for future. The interventions at Ghats and River fronts will facilitate better citizen connect and set the tone for river centric urban planning process.Official Website: https://nmcg.nic.inSetu Bharatam ProjectLaunched: ‎ 03 March 2016Main Objective: To free all national highways from railway level crossings and renovate the old bridges on national highways by 2019.Setu Bharatam is an ambitious programme with an investment of Rs. 50,000 crore to build bridges for safe and seamless travel on National Highways.208 new “road over bridges / road under bridges” are envisaged for construction, while 1500 bridges will be widened, rehabilitated or replaced.Official Website: http://morth.nic.inPradhan Mantri Ujjwala YojanaLaunched: ‎ 1 May 2016Main Objective: To distribute free LPG connections to the women belonging to 5 Crore BPL families across the country.According the estimates, about 1.50 Crore BPL families will be benefited under the scheme in the year 2016-17. The scheme will cover 3.5 Crore more BPL families in the next two years. The scheme provides a financial support of Rs 1600 for each LPG connection to the BPL households.This is the first ever welfare scheme by the Ministry of Petroleum and Natural Gas which would benefit crores of women belonging to the poorest households.Official Website: Official Website of Pradhan Mantri Ujjwala YojanaRashtriya Gram Swaraj AbhiyanLaunchedMain Objective: To help Panchayat Raj Institutions deliver Sustainable Development Goals.It is a new proposed scheme announced in the union financial budget 2016-17 by the Finance Minister Mr. Arun Jaitley.Rashtriya Gram Swaraj Abhiyan has been proposed with allocation of Rs. 655 crore.Official Website: http://rgsa.nic.inClean My CoachAadhar BillReal Estate BillPradhan Mantri Awas Yojana – Gramin (Renamed from Indira Awas Yojana)Unnat Bharat AbhiyanTB Mission 2020Dhanlakshmi YojanaNational Apprenticeship Promotion SchemeGangajal Delivery SchemePradhan Mantri Surakshit Matritva AbhiyanVidyanjali YojanaStandup India Loan SchemeGram Uday Se Bharat Uday AbhiyanSamajik Aadhikarita ShivirRailway Travel Insurance SchemeSmart Ganga CityMission Bhagiratha in TelanganaVidyalakshmi Loan SchemeSwayam PrabhaPradhan Mantri Surakshit Sadak Yojana (Upcoming)Shala Ashmita Yojana (Upcoming)Pradhan Mantri Gram Parivahan Yojana (Upcoming)National Health Protection Scheme (Upcoming)Right to Light Scheme (Upcoming)Rashtriya Sanskriti MahotsavaUDAN – Udey Desh ka Aam NagrikDigital VillagesUrja GangaSaur Sujala YojanaEk Bharat Shreshtha BharatGreen Urban Transport Scheme (GUTS)Cease of Rs. 500 and Rs. 1000 Notes to be a legal tenderPradhan Mantri Yuva YojanaBharat National Car Assessment Program (Bharat-NCAP)Thanks for reading my answer.