Content:
- Shuddh Jal aur Swachhta Se SwasthBachpan” campaign
- Pradhan Mantri Mudra Yojana (PMMY) — completes 10 glorious Years of empowering Small and Micro Entrepreneurs
Shuddh Jal aur Swachhta Se SwasthBachpan” campaign
Context & Objective
- Campaign Period: 8th to 23rd April 2025 (7th edition).
- Collaborating Ministries:
- Ministry of Women and Child Development (WCD) – Nodal for Poshan Pakhwada.
- Department of Drinking Water and Sanitation (DDWS) – Partnering to emphasize water and sanitation under Jal Shakti Ministry.
- Theme: “Shuddh Jal aur Swachhta Se Swasth Bachpan”.
- Tagline: “Purn Poshan Ki Shuruwaat, Shuddh Jal aur Swachhta Ke Saath” – highlighting the linkage of clean water and hygiene with holistic nutrition.
Relevance : GS 2(Governance, Social Justice, Welfare Schemes)
Key Focus Areas of Poshan Pakhwada 2025
First 1000 Days of Life:
- Critical window for child growth and cognitive development.
- Integrates maternal nutrition, breastfeeding, immunization, and hygiene.
Poshan Tracker App – Beneficiary Module:
- Aims at real-time tracking of nutritional status of beneficiaries.
- Improves monitoring and accountability of Anganwadi services.
CMAM Module (Community-based Management of Acute Malnutrition):
- Targets early detection and community-based treatment of SAM/MAM children.
Promotion of Healthy Lifestyles:
- Emphasizes prevention of childhood obesity through diet, hydration, and physical activity.
Role of DDWS: Water, Sanitation & Hygiene (WASH)
- Integration with Saksham Anganwadi: DDWS complements WCD’s effort through WASH campaigns.
- Holistic Health Model: Nutrition + Water + Sanitation = Sustainable Child Health.
Key Activities by States/UTs
Shuddh Jal and Swachhta Drives:
- Community sessions on safe water, hand hygiene, waste segregation, composting.
Capacity Building for Anganwadi Workers:
- Training on clean water access, hygiene messaging, and counselling techniques.
IEC Campaigns for Lactating Mothers:
- Targeted Information, Education & Communication (IEC) outreach led by ASHA and Anganwadi workers.
Smart Poshan Anganwadi Certification:
- Recognition to Anganwadis excelling in sanitation, hygiene, and nutrition standards.
Swachh Jal, Sundar Aangan Initiative:
- Upgrading sanitation infrastructure in Anganwadis via community involvement (SHGs).
- Use of murals, child-friendly water points to make hygiene attractive to children.
Awareness Rallies:
- Community mobilization to prevent diarrheal diseases and promote handwashing.
Use of Social Media for Mass Outreach
- Campaign Hashtags:
- #DDWSJoinsPoshanPakhwada
- #PoshanPakhwada
- Objective: Digital sensitization, citizen participation, and showcasing state efforts.
Broader Impact & Strategic Integration
- Synergy with Existing Schemes:
- Jal Jeevan Mission: Safe tap water supply to households.
- Swachh Bharat Mission – Grameen: Rural sanitation improvement.
- Behavioral Change Communication (BCC):
- Focus on changing hygiene and nutrition behaviors, especially in rural areas.
Relevance for Policy & Governance
- Multi-Ministerial Convergence: Demonstrates effectiveness of inter-departmental collaboration.
- Decentralized Implementation: Allows flexibility for local innovations by States/UTs.
- Scalability: Potential for institutionalizing hygiene components into all nutrition programs.
Challenges Ahead
- Ensuring consistent quality of sanitation facilities at Anganwadi centres.
- Sustaining community engagement post-campaign period.
- Monitoring impact on child health and nutritional indicators through data feedback loops.
Pradhan Mantri Mudra Yojana (PMMY) — completes 10 glorious Years of empowering Small and Micro Entrepreneurs
Objective and Vision
- Launched on 8th April 2015 by PM Narendra Modi with the vision of “Funding the Unfunded”.
- Aims to provide collateral-free loans to non-corporate, non-farm micro and small enterprises.
- A key pillar under the broader Financial Inclusion (FI) framework:
- Banking the Unbanked
- Securing the Unsecured
- Funding the Unfunded
Relevance : GS 2(Governance , Welfare Schemes ) ,GS 3(Economy)
Salient Features
- Loans now categorized into four segments based on stage of business:
- Shishu: Up to ₹50,000
- Kishor: ₹50,001 – ₹5 lakh
- Tarun: ₹5 lakh – ₹10 lakh
- Tarun Plus (new in Oct 2024): ₹10 lakh – ₹20 lakh (for repeat, successful borrowers)
- Loans extended through Banks, NBFCs, MFIs, RRBs, etc.
- RBI-governed interest rates with flexible repayment options.
- Covers term loans and working capital for:
- Manufacturing
- Services
- Trading
- Allied agriculture (poultry, dairy, beekeeping, etc.)
Key Achievements (2015–2025)
- Total Loans Sanctioned: 52.37 crore
- Total Amount Sanctioned:₹33.65 lakh crore
- Enhanced Credit Access:
- ₹11.58 lakh crore sanctioned to SC/ST/OBC beneficiaries.
- 68% of loan accounts belong to women entrepreneurs.
- Empowered marginalized groups:
- Over 50% of beneficiaries are from OBC/SC/ST categories.
- Loans disbursed to minorities: ₹3.07 lakh crore.
Women Empowerment
- Women received the majority share (68%) of MUDRA loans.
- Acts as a key enabler of women-led economic participation, especially at the grassroots level.
- Bolsters first-generation women entrepreneurs across rural and semi-urban India.
Category-wise Loan Distribution
| Category | % of Total Loans | % of Amount Sanctioned |
| Shishu | 78% | 35% |
| Kishor | 20% | 40% |
| Tarun | 2% | 25% |
| Tarun Plus | 0% | 0% (recently launched) |
- Shishu loans dominate in number, indicating deep rural penetration.
- Kishor & Tarun have larger ticket size, reflecting growth-oriented enterprises.
Year-wise Growth in Sanctions
| FY | Loans Sanctioned (Cr) | Amount (₹ Lakh Cr) |
| 2015-16 | 3.49 | 1.37 |
| 2016-17 | 3.97 | 1.80 |
| 2017-18 | 4.81 | 2.54 |
| 2018-19 | 5.98 | 3.22 |
| 2019-20 | 6.23 | 3.37 |
| 2020-21 | 5.07 (COVID year) | 3.22 |
| 2021-22 | 5.38 | 3.39 |
| 2022-23 | 6.24 | 4.56 |
| 2023-24 | 6.67 | 5.41 |
| 2024-25* | 4.53 (till Mar 21) | 4.77 |
Special Initiatives
- Tarun Plus (2024):
- New loan category for proven borrowers.
- Covers ₹10–20 lakh loans, backed by Credit Guarantee Fund for Micro Units (CGFMU).
- Credit Guarantee Fund for Micro Units (CGFMU) established in 2016.
- Interest Subvention Scheme:
- 2% interest relief on Shishu loans in FY 2020-21 under Aatma Nirbhar Bharat.
Impact and Significance
- Global benchmark in promoting grassroots entrepreneurship through institutional credit.
- Curbed exploitation by informal moneylenders by providing formal, affordable credit.
- Created massive self-employment opportunities and supported job creation indirectly.
- Instrumental in realising PM’s vision of:
- Sabka Saath, Sabka Vikas, Sabka Vishwas, Sabka Prayaas
- Reinforced inclusive growth and financial resilience, especially among rural, SC/ST, OBC, women, and youth populations.
Way Forward
- Leverage technology and digital data (e.g., GST, Udyam, Aadhaar) for better credit appraisal.
- Improve credit monitoring mechanisms to reduce NPAs.
- Scale-up Tarun Plus to nurture high-performing entrepreneurs into growth-stage enterprises.
- Strengthen handholding and capacity building support through entrepreneurship development institutions.
