Match List-I with List-II.
| List-I | List-II | ||
| (A) | Swarna Jayanti Shahari Rozgar Yojana (SJSRY) | (I) | Encourage saving and lending among members as small loans |
| (B) | Self Help Groups (SHGs) | (II) | Self employment in urban areas |
| (C) | Work for a minimum of 100 days in a year | (III) | Pradhan Mantri Jan Dhan Yojna |
| (D) | Transfer of subsidies to account holder directly | (IV) | MNREGA |
Choose the correct answer from the options given below :
Answer & explanation
Correct answer: option 2
The correct answer is Option (2) → (A)-(II), (B)-(I), (C)-(IV), (D)-(III)
These four measures give the poor work, credit or a bank account.
| List-I | List-II | Reason |
|---|---|---|
| (A) Swarna Jayanti Shahari Rozgar Yojana (SJSRY) | (II) Self employment in urban areas | It was a self-employment programme. It aimed at creating self-employment opportunities in urban areas. |
| (B) Self Help Groups (SHGs) | (I) Encourage saving and lending among members as small loans | Members pool small savings. Needy members get loans from this pool, repayable in small instalments. |
| (C) Work for a minimum of 100 days in a year | (IV) MNREGA | The Act guaranteed 100 days of wage employment to every rural household that volunteered for unskilled manual work. |
| (D) Transfer of subsidies to account holder directly | (III) Pradhan Mantri Jan Dhan Yojna | Under this scheme people are encouraged to open bank accounts. It aims to transfer the benefits of government schemes and subsidies directly to the account holders. |
Note: The Swarna Jayanti Shahari Rozgar Yojana was in the chapter ‘Poverty’ which was there in the pre-rationalised NCERT and has been deleted from subsequent editions of NCERT, including the NCERT book (2026-27).
NCERT (2026-27): “6.9 Government and Employment Generation … You may recall about the Mahatma Gandhi National Rural Employment Guarantee Act 2005. It promises 100 days of guaranteed wage employment to all rural households who volunteer to do unskilled manual work. The scheme based on this Act is one of the many measures the government has implemented to generate employment for those who are in need of jobs in rural areas.…” NCERT (2026-27), chapter ‘Rural Development’: “5.3 Credit and Marketing in Rural Areas … Recently, Self-Help Groups (henceforth SHGs) have emerged to fill the gap in the formal credit system because the formal credit delivery mechanism has not only proven inadequate but has also not been fully integrated into the overall rural social and community development. Since some kind of collateral is required, vast proportion of poor rural households were automatically out of the credit network. The SHGs promote thrift in small proportions by a minimum contribution from each member. From the pooled money, credit is given to the needy members to be repayable in small instalments at reasonable interest rates.…” NCERT (Pre-rationalised), chapter ‘Poverty’: “…Example of self-employment programmes implemented is Prime Minister’s Rozgar Yojana (PMRY) and Swarna Jayanti Shahari Rozgar Yojana (SJSRY). This kind of programme aimed at creating self-employment opportunities in urban areas. The Khadi and Village Industries Commission was implementing it. Under this programme, one could get financial assistance in the form of bank loans to set up small industries.… …From 2014, a scheme called Pradhan Mantri Jan-Dhan Yojana is available in which people in India are encouraged to open bank accounts. Besides promoting savings habit, this scheme intends to transfer all the benefits of government schemes and subsidies to account holders directly. Each bank account holder is also entitled to Rs. 1- 2 lakh accidental insurance cover.” |