Livelihood & Employment — Set 13

Correct Answer: B. Financial inclusion through digital payments

PM SVANidhi is designed not just to provide credit but also to promote financial inclusion by encouraging street vendors to use digital payment tools. The scheme provides cashback incentives for UPI transactions and links vendors to bank accounts. This helps integrate the informal economy into the digital financial system.

Correct Answer: B. SHG → Village Organisation → Cluster Level Federation → Block Level Federation

Under DAY-NRLM, the federation structure is: SHGs → Village Organisation (VO) → Cluster Level Federation (CLF) → Block Level Federation (BLF). This tiered structure enables collective action, access to finance, and economic empowerment at progressively larger scales. Higher-level federations provide governance and financial management support.

Correct Answer: B. Creation of durable community assets in rural areas

A key output of MGNREGA is the creation of durable community assets such as water bodies, irrigation channels, ponds, roads, and afforestation areas. These assets improve agricultural productivity and rural infrastructure. MGNREGA thus combines immediate income support with long-term asset creation.

Correct Answer: C. 12 months

DDU-GKY mandates that training partners track and support placed candidates for at least 12 months post-placement. They must ensure that at least 75% of placed candidates are retained in their jobs for this period. This outcome-based model ensures quality and sustainability of placements.

Correct Answer: B. Implementing PMEGP at the district level

District Industries Centres (DICs) are one of the implementing agencies for PMEGP at the district level. They process applications, provide technical guidance, and ensure that margin money subsidies reach eligible beneficiaries. DICs work alongside KVIB (Khadi and Village Industries Board) in the state-level implementation.

Correct Answer: B. District-led model with Jan Shikshan Sansthan

PMKVY 3.0 introduced a decentralized district-led model for implementation, involving District Skill Committees (DSCs) and Jan Shikshan Sansthans (JSS). This ensured that skill training was demand-driven and aligned with local employment opportunities. It marked a shift from a top-down to a bottom-up delivery approach.

Correct Answer: B. SC/ST/women/minorities in rural areas

SC/ST, women, minorities, ex-servicemen, and physically handicapped beneficiaries in rural areas receive the highest subsidy of 35% of the project cost under PMEGP. For general category beneficiaries in urban areas, the subsidy is only 15%. This differential subsidy structure ensures targeted support for the most vulnerable.

Correct Answer: B. April 5, 2016

Stand Up India was launched on April 5, 2016, on the occasion of Dr B R Ambedkar's birth anniversary (April 14 is the main anniversary but the launch was April 5). The scheme was designed to promote entrepreneurship among SC/ST communities and women. It reflects the government's commitment to inclusive economic development.

Correct Answer: D. NREGASoft

NREGASoft is the Management Information System (MIS) platform for MGNREGA that records all activities related to the scheme, including job card details, work demand, attendance, and wage payments. It is accessible publicly to ensure transparency. The real-time data helps in monitoring and reducing corruption.

Correct Answer: B. It is a right-based entitlement guaranteed by law

MGNREGA is unique because it provides a legal right to 100 days of wage employment. Any adult rural household member who demands work must be provided employment within 15 days, failing which an unemployment allowance is due. No other scheme in India provides this kind of legally enforceable employment guarantee.