Resource Envelope for Aspirational Districts
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Pension Reforms in India
• Cognizant 20-20 Insights Pension Reforms in India Pension reforms are yet to benefit a large section of the Indian population. Significant changes on the policy and regulatory fronts, better marketing and better pricing of products can give this sector a much-needed boost. Executive Summary and cost-effective products are available to the population for creating a retirement corpus. Life expectancy has shot up in recent decades. When public pension systems were first estab- lished, people could typically look forward to only Background of Pension Reforms a few years of retirement if any. Today, globally, India does not have a universal social security sys- the probability of a newborn boy surviving until tem. A large number of India’s elderly are not cov- age 65 is over 80%; the figure is over 90% for ered by any pension scheme. Pension reforms and a girl child. Aging populations are “a high-class” a pension system with greater reach will not only problem, said U.S. President Bill Clinton in his ensure citizens’ welfare in their golden years but 1999 State of the Union address. He continued: will also help the central and state governments “It’s the result of something wonderful: the fact cut their future liabilities. With these broad objec- that we are living a lot longer.” Nevertheless, tives in mind, the government of India set up an there is no denying that aging populations pose expert committee in 1998 to devise a new pension significant challenges for economic, social and system for India. Project Oasis, which was chaired health policies in general and pension systems in by S.A. -
Assessing the Implementation of India's New Health Reform Program
W&M ScholarWorks Undergraduate Honors Theses Theses, Dissertations, & Master Projects 5-2020 Assessing the Implementation of India’s New Health Reform Program, Ayushman Bharat, in Two Southern States: Kerala and Tamil Nadu Kalyani Pillai College of William & Mary Follow this and additional works at: https://scholarworks.wm.edu/honorstheses Part of the Public Health Commons Recommended Citation Pillai, Kalyani, "Assessing the Implementation of India’s New Health Reform Program, Ayushman Bharat, in Two Southern States: Kerala and Tamil Nadu" (2020). Undergraduate Honors Theses. Paper 1523. https://scholarworks.wm.edu/honorstheses/1523 This Honors Thesis is brought to you for free and open access by the Theses, Dissertations, & Master Projects at W&M ScholarWorks. It has been accepted for inclusion in Undergraduate Honors Theses by an authorized administrator of W&M ScholarWorks. For more information, please contact [email protected]. Implementation of India’s Health Reform Program Assessing the Implementation of India’s New Health Reform Program, Ayushman Bharat, in Two Southern States: Kerala and Tamil Nadu Kalyani Pillai College of William & Mary Undergraduate Honors Thesis May 7, 2020 Implementation of India’s Health Reform Program Acknowledgements First and foremost, I would like to express my deepest gratitude to my honors advisor, Dr. Iyabo Obasanjo, for the invaluable guidance, support and direction that has led to the successful completion of this research project. In addition, I would also like to thank my committee members, Dr. Elyas Bakhtiari and Dr. Alison Scott for their encouragement and advice during the span of this study. I would also like to express my heartfelt appreciation for all the participants in Kerala and Tamil Nadu who spared their invaluable time to share their knowledge and experiences. -
Kashmir Conflict: a Critical Analysis
Society & Change Vol. VI, No. 3, July-September 2012 ISSN :1997-1052 (Print), 227-202X (Online) Kashmir Conflict: A Critical Analysis Saifuddin Ahmed1 Anurug Chakma2 Abstract The conflict between India and Pakistan over Kashmir which is considered as the major obstacle in promoting regional integration as well as in bringing peace in South Asia is one of the most intractable and long-standing conflicts in the world. The conflict originated in 1947 along with the emergence of India and Pakistan as two separate independent states based on the ‘Two-Nations’ theory. Scholarly literature has found out many factors that have contributed to cause and escalate the conflict and also to make protracted in nature. Five armed conflicts have taken place over the Kashmir. The implications of this protracted conflict are very far-reaching. Thousands of peoples have become uprooted; more than 60,000 people have died; thousands of women have lost their beloved husbands; nuclear arms race has geared up; insecurity has increased; in spite of huge destruction and war like situation the possibility of negotiation and compromise is still absence . This paper is an attempt to analyze the causes and consequences of Kashmir conflict as well as its security implications in South Asia. Introduction Jahangir writes: “Kashmir is a garden of eternal spring, a delightful flower-bed and a heart-expanding heritage for dervishes. Its pleasant meads and enchanting cascades are beyond all description. There are running streams and fountains beyond count. Wherever the eye -
Frequently Asked Questions on National Pension System – All Citizens Model
FREQUENTLY ASKED QUESTIONS ON NATIONAL PENSION SYSTEM – ALL CITIZENS MODEL What is National Pension System? NPS is an easily accessible, low cost, tax-efficient, flexible and portable retirement savings account. Under the NPS, the individual contributes to his retirement account and also his employer can also co-contribute for the social security/welfare of the individual. NPS is designed on Defined contribution basis wherein the subscriber contributes to his account, there is no defined benefit that would be available at the time of exit from the system and the accumulated wealth depends on the contributions made and the income generated from investment of such wealth. The greater the value of the contributions made, the greater the investments achieved, the longer the term over which the fund accumulates and the lower the charges deducted, the larger would be the eventual benefit of the accumulated pension wealth likely to be. Contributions + Investment Growth – Charges = Accumulated Pension Wealth (Individual contribution as well as co-contribution from Employers) Who can Join NPS? Any citizen of India, whether resident or non-resident, subject to the following conditions: Individuals who are aged between 18 – 60 years as on the date of submission of his/her application to the POP/ POP-SP. The citizens can join NPS either as individuals or as an employee-employer group(s) (corporates) subject to submission of all required information and Know your customer (KYC) documentation. After attaining 60 years of age, you will not be permitted to make further contributions to the NPS accounts. Can an NRI open an NPS account? Yes, a NRI can open an NPS account. -
State Finances Audit Report of the Comptroller and Auditor General of India
State Finances Audit Report of the Comptroller and Auditor General of India for the year ended 31 March 2020 Government of Chhattisgarh Report No. 03 of the year 2021 Table of Contents Paragraph Page No. No. Preface -- vii Executive Summary -- ix Chapter I: Overview Profile of the State 1.1 1 Gross State Domestic Product of the State 1.1.1 1 Basis and Approach to State Finances Audit Report 1.2 3 Report Structure 1.3 4 Overview of Government Accounts Structure 1.4 4 Budgetary Processes 1.5 7 Snapshot of Finances 1.5.1 7 Snapshot of Assets and liabilities of the Government 1.5.2 8 Fiscal Balance: Achievement of deficit and total debt targets 1.6 9 Compliance with Provisions of State FRBM Act 1.6.1 9 Medium Term Fiscal Policy Statement 1.6.2 10 Deficit and Surplus 1.6.3 11 Trends of Deficit/Surplus 1.6.4 12 Deficits after examination in Audit 1.6.5 13 Chapter II: Finances of the State Introduction 2.1 15 Sources and Application of Funds 2.2 15 Resources of the State 2.3 17 Receipts of the State 2.3.1 17 Revenue Receipts 2.3.2 18 Trends and growth of Revenue Receipts 2.3.2.1 18 State’s Own Resources 2.3.3 19 Own Tax Revenue 2.3.3.1 20 State Goods and Services Tax (SGST) 2.3.3.2 21 Non-Tax Revenue 2.3.33 22 Central Tax Transfers 2.3.3.4 22 Grants-in-Aid from Government of India 2.3.3.5 23 Fourteenth Finance Commission Grants 2.3.3.6 24 Capital Receipts 2.3.3.7 24 State’s performance in mobilization of resources 2.3.4 25 Application of Resources 2.4 25 Growth and composition of expenditure 2.4.1 26 Revenue Expenditure 2.4.2 28 Major Changes in Revenue Expenditure 2.4.2.1 29 Committed Expenditure 2.4.2.2 29 Undercharged Liability under National Pension System 2.4.2.3 31 Page i State Finances Audit Report for the Year ended 31 March 2020 Table of Contents Paragraph Page No. -
China and Kashmir* Buildup Along the Indo-Pak Border in 2002 (Called Operation Parakram in India)
China and Kashmir* buildup along the Indo-Pak border in 2002 (called Operation Parakram in India). Even if the case may by JABIN T. Jacob be made that such support to Pakistan has strength- ened Pakistan’s hands on the Kashmir dispute, it is difficult to draw a direct link between the twists and turns in the Kashmir situation and Chinese arms supplies to Pakistan. Further, China has for over two Perceptions about the People’s Republic of China’s decades consistently called for a peaceful resolution position on Kashmir have long been associated with of the Kashmir dispute, terming it a dispute “left over its “all-weather” friendship with Pakistan. However, from history.” Both during Kargil and Operation the PRC’s positions on Kashmir have never been Parakram, China refused to endorse the Pakistani consistently pro-Pakistan, instead changing from positions or to raise the issue at the United Nations. disinterest in the 1950s to open support for the Paki- Coupled with rising trade and the continuing border stani position in the subsequent decades to greater dialogue between India and China, this has given rise neutrality in the 1980s and since. While China has to hopes in India that the Kashmir dispute will no China’s positions on continued military support to Pakistan even during longer be a card the Chinese will use against it. Kashmir have never been military conflicts and near-conflicts between India and Pakistan, its stance on Kashmir has shifted consistently pro-Pakistan, gradually in response to the prevailing domestic, China and Pakistan Occupied Kashmir instead changing from dis- regional, and international situations. -
Himalayan Aromatic Medicinal Plants: a Review of Their Ethnopharmacology, Volatile Phytochemistry, and Biological Activities
medicines Review Himalayan Aromatic Medicinal Plants: A Review of their Ethnopharmacology, Volatile Phytochemistry, and Biological Activities Rakesh K. Joshi 1, Prabodh Satyal 2 and Wiliam N. Setzer 2,* 1 Department of Education, Government of Uttrakhand, Nainital 263001, India; [email protected] 2 Department of Chemistry, University of Alabama in Huntsville, Huntsville, AL 35899, USA; [email protected] * Correspondence: [email protected]; Tel.: +1-256-824-6519; Fax: +1-256-824-6349 Academic Editor: Lutfun Nahar Received: 24 December 2015; Accepted: 3 February 2016; Published: 19 February 2016 Abstract: Aromatic plants have played key roles in the lives of tribal peoples living in the Himalaya by providing products for both food and medicine. This review presents a summary of aromatic medicinal plants from the Indian Himalaya, Nepal, and Bhutan, focusing on plant species for which volatile compositions have been described. The review summarizes 116 aromatic plant species distributed over 26 families. Keywords: Jammu and Kashmir; Himachal Pradesh; Uttarakhand; Nepal; Sikkim; Bhutan; essential oils 1. Introduction The Himalya Center of Plant Diversity [1] is a narrow band of biodiversity lying on the southern margin of the Himalayas, the world’s highest mountain range with elevations exceeding 8000 m. The plant diversity of this region is defined by the monsoonal rains, up to 10,000 mm rainfall, concentrated in the summer, altitudinal zonation, consisting of tropical lowland rainforests, 100–1200 m asl, up to alpine meadows, 4800–5500 m asl. Hara and co-workers have estimated there to be around 6000 species of higher plants in Nepal, including 303 species endemic to Nepal and 1957 species restricted to the Himalayan range [2–4]. -
Insights Pt 2019 Exclusive (Government Schemes)
INSIGHTS PT 2019 EXCLUSIVE (GOVERNMENT SCHEMES) May 2018 – January 2019 • www.insightsonindia.com www.insightsias.com INSIGHTS PT 2019 EXCLUSIVE (GOVERNMENT SCHEMES) Table of Contents MINISTRY OF HEALTH AND FAMILY WELFARE ................................................................... 6 1.Menstrual Hygiene for Adolescent Girls Schemes ................................................................................. 6 2.Mission Indradhanush ......................................................................................................................... 6 3.Ayushman Bharat–PM Jan Arogya Yojana ............................................................................................ 7 4.Pradhan Mantri Swasthya Suraksha Yojana (PMSSY) ............................................................................ 8 MINISTRY OF AGRICULTURE & FARMERS WELFARE ...................................................... 10 1.National Agricultural Higher Education Project (NAHEP) ..................................................................... 10 2.Pradhan Mantri Fasal Bima Yojana ..................................................................................................... 10 3.Online Portal “ENSURE” ..................................................................................................................... 11 4.Pradhan Mantri Annadata Aay SanraksHan Abhiyan (PM-AASHA) ...................................................... 12 MINISTRY OF SKILL DEVELOPMENT & ENTREPRENEURSHIP ...................................... 13 -
Employee Pensions in India
Employee pensions in India Current practices, challenges and prospects December 2015 KPMG.com/in © 2015 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. Table of contents Introduction An overview of employer pension plans in India Comparative analysis of EPF, NPS and SAF Factors impacting growth of employee pensions in India An international perspective on pension practices Survey results – KPMG in India’s Employer pension plans survey, 2015 Industry voices Conclusion © 2015 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. © 2015 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. Introduction The increasing life expectancy coupled with the gradual disappearance of the extended family system, makes it imperative for India to design a robust pension system to avoid impoverishment in old-age and accompanying social distress. The current scenario in India is marked by low and insufficient pension coverage. Timely and smart policy interventions, when a majority of the Indian population is still young, can help avert an impending pension crisis. It is important for all the key stakeholders such as the government, regulators, employees and employers to engage in a focused and constructive discussion to explore new ways to broaden and deepen pension coverage in India. -
Ayushman Bharat - a Big Leap Towards Universal Health Coverage in India Ayushman Bharat — a Big Leap Towards Universal Health Coverage in India
Ayushman Bharat - A big leap towards Universal Health Coverage in India Ayushman Bharat — A big leap towards Universal Health Coverage in India December 2019 home.kpmg/in | a Ayushman Bharat - A big leap towards Universal Health Coverage in India b| © | 2019 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. Ayushman Bharat - A big leap towards Universal Health Coverage in India Foreword by ASSOCHAM President Over the years India has improved immensely Bharat Yojana would support building a New in health parameters such as life expectancy, India and ensure wellbeing of people,enhanced mortality rates, health & sanitation, productivity,prevent wage loss, reduce financial immunization, among others. However, the hardship, create jobsand boost the healthcare journey towards a healthier nation has only sector. partially been traversed.Indian healthcare For the implementation of the scheme, remainsbeset with challenges pertaining to suitable models are being considered with disparities in accessibility, affordability, quality the involvement of the private sector to healthcare services, infrastructure, funding, ensure widespread and effective reach of the which are creating increased pressure on the initiative. Such arrangements would focus on existing system. infrastructure development, service delivery, While urban areas,to an extent,have been able technologies, standardization of practices, to address some of these concernsin the form capacity building and economies of scale. This of emerging private healthcare institutions, would pave the way for a wider healthcare those most needy and underprivileged in marketplace with diversified product offerings, far-flung areas remain deprived of timely, encourage new market entrants in the wake of quality and affordable medical interventions. -
Press Information Bureau Government of India ***** Maps of Newly Formed Union Territories of Jammu Kashmir and Ladakh, with the Map of India
Press Information Bureau Government of India ***** Maps of newly formed Union Territories of Jammu Kashmir and Ladakh, with the map of India New Delhi, November 2, 2019 On the recommendation of Parliament, the President effectively dismantled Article 370 of the Indian Constitution and gave assent to the Jammu and Kashmir Reorganization Act, 2019. Under the leadership of Prime Minister Shri Narendra Modi and supervision of Union Home Minister Shri Amit Shah, the former state of Jammu & Kashmir has been reorganized as the new Union Territory of Jammu and Kashmir and the new Union Territory of Ladakh on 31st October 2019. The new Union Territory of Ladakh consists of two districts of Kargil and Leh. The rest of the former State of Jammu and Kashmir is in the new Union Territory of Jammu and Kashmir. In 1947, the former State of Jammu and Kashmir had the following 14 districts - Kathua, Jammu, Udhampur, Reasi, Anantnag, Baramulla, Poonch, Mirpur, Muzaffarabad, Leh and Ladakh, Gilgit, Gilgit Wazarat, Chilhas and Tribal Territory. By 2019, the state government of former Jammu and Kashmir had reorganized the areas of these 14 districts into 28 districts. The names of the new districts are as follows - Kupwara, Bandipur, Ganderbal, Srinagar, Budgam, Pulwama, Shupian, Kulgam, Rajouri, Ramban, Doda, Kishtivar, Samba and Kargil. Out of these, Kargil district was carved out from the area of Leh and Ladakh district. The Leh district of the new Union Territory of Ladakh has been defined in the Jammu and Kashmir Reorganization (Removal of Difficulties) Second Order, 2019, issued by the President of India, to include the areas of the districts of Gilgit, Gilgit Wazarat, Chilhas and Tribal Territory of 1947, in addition to the remaining areas of Leh and Ladakh districts of 1947, after carving out the Kargil District. -
Unheard Voices: Engaging Youth of Gilgit-Baltistan
January 2015 Unheard voices: engaging youth of Gilgit-Baltistan Logo using multiply on layers Syed Waqas Ali and Taqi Akhunzada Logo drawn as seperate elements with overlaps coloured seperately Contents Executive summary 3 Introduction 5 Background and recent political history 6 1974-2009: Journey towards democratic rule 6 Gilgit-Baltistan Empowerment and Self-Governance Order 2009 7 Methodology 8 Participants 8 Questions of identity 9 Desire for provincial status 9 Counter-narrative 9 Relationship with Azad Jammu and Kashmir 10 Governance 11 How young people view the current set-up 12 Democratic deficit 12 Views on local politics and political engagement 13 Sectarianism 14 Young people’s concerns 14 Possible ways to defuse tensions 15 Education 16 Quality issues 16 Infrastructure and access 16 Further and higher education 17 Role of Aga Khan Educational Services 17 Overall perspectives on education 18 Economic issues 18 Young people’s perspectives 18 Cross LoC links and economic integration 20 Tourism potential 20 Community development 21 Conclusion 22 Cover photo: Gilgit-Baltistan, Pakistan © Naseer Kazmi 2 • Conciliation Resources Map of Jammu and Kashmir region © Kashmir Study Group Executive summary This research seeks to explore the sociopolitical This research explored attitudes to identity, and economic factors affecting the young people governance (including the latest political of Gilgit-Baltistan in the context of its undefined settlement established through the Gilgit-Baltistan status and the conflict over Jammu and Kashmir. Empowerment and Self-Governance Order 2009), This paper aims to highlight the largely unheard sectarianism, education and economic development voices of young people of Gilgit-Baltistan. It is based and opportunities.