Pradhan Mantri Awas Yojana (PMAY)

The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a government-sponsored crop insurance scheme. Statement 1 is Incorrect: Under this scheme, farmers have to pay a uniform premium of 2% for all Kharif crops, 1.5% for all Rabi crops, and 5% for commercial/horticultural crops. The premium rate is not uniform for all crops in all seasons. Statement 2 is Correct: The scheme does cover post-harvest losses arising out of cyclones and unseasonal rains. Hence, option B is the correct answer.

* Statement 1 is incorrect: NABARD began promoting self-help groups in 1991-1992. And it served as the actual launch pad for the SHG movement. The Reserve Bank of India additionally permitted SHGs to open savings bank accounts in 1993.  * Statement 2 is correct: The Banks provide the loan to the Self-Help Group as a whole and it is the collective responsibility of the SHG to repay that loan. Hence all members of a group take responsibility for a loan that an individual member takes. Further, the SHG may decide to not provide any share in further loans to the defaulter member.  * Statement 3 is correct: The Financial Inclusion Fund scheme to support Scheduled Commercial Banks (SCBs) and Regional Rural Banks (RRBs) for enabling Dual Authentication options in the micro ATMs for SHG transactions is being launched to provide an enabling eco-system for the SHGs to seamlessly operate at Business Correspondent points with the proposed Dual Authentication feature. Thus, it can be said that SCBs and RRBs support the SHGs in availing the credits as per their needs.

PMJDY is a National Mission on Financial Inclusion encompassing an integrated approach to bring about comprehensive financial inclusion of all households in the country. The plan envisages: - Universal access to banking facilities with at least one basic banking account for every household.
- Financial literacy.
- Access to credit.
- Insurance and pension facility.

With reference to the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Yojana, here's the breakdown of the statements: * Statement 1:  Incorrect. The eligible age group for enrolment in the scheme is 18 to 40 years, not 21 to 40 years. This allows younger workers to join early and contribute for a longer period. * Statement 2: Correct. Beneficiaries are required to make age-specific monthly contributions, which increase with age. For instance, contributions start at ₹55 for an 18-year-old and go up to ₹200 for a 40-year-old. * Statement 3: Correct. Subscribers will receive a minimum pension of ₹3,000 per month after attaining 60 years of age. This provides social security for workers in the unorganized sector. * Statement 4: Incorrect. Family pension is available only to the spouse, who will receive 50% of the pension amount after the subscriber's death. Unmarried daughters are not eligible for this benefit.

The Maternity Benefit (Amendment) Act 2017 has made several significant changes to benefit women employees - Paid maternity leave has been increased to 26 weeks from 12 weeks. - For women expecting after having 2 children, the leave duration remains at 12 weeks. - Establishments employing 50 or more employees must provide a crche facility, and women employees should be allowed to visit the facility 4 times during the day.