• The Prime Minister, Shri Narendra Modi, today, launched the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Yojana at Vastral in Gujarat. He also distributed the PM-SYM pension cards to select beneficiaries. Over two crore workers at three lakh Common Service Centers across the country witnessed the launch event through video conference


  • Terming it as a historic day, the Prime Minister dedicated PM-SYM Yojana to the forty two crore strong unorganized sector workers in the country. He said that the scheme will assure a monthly pension of Rs.3000 for the enrolled unorganized sector workers during their old age. It is for the first time since independence that such a scheme is envisaged for the crores of workers engaged in the informal sector, PM added.


  • The Prime Minister explained in detail about the benefits of PM-SYM. A contribution of equal amount as that of the beneficiary will be made by the Union Government, PM said. He appealed to the informal sector workers earning less than Rs.15000 per month to enroll as beneficiaries in the nearby Common Service Centre.


  • Assuring that there would not be any hassles with the enrollment process, Modi told the gathering that only a form needs to be filled with Aadhar number and bank details. The cost incurred by the Common Service Centre for enrolling a beneficiary will be borne by the Union Government. “This is the miracle of Digital India”, PM said.


  • The Prime Minister appealed to citizens to help and enroll in PM-SYM, those working in the unorganized sector, whether it is in one’s house or in the neighborhood. He said that such actions by the affluent class will greatly benefit the poor. He added that respecting dignity of labour will take the nation forward.


  • The Prime Minister said that the various schemes initiated by the Union Government like Ayushman Bharat, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, PM Awas Yojana, Ujjwala Yojana, Saubhagya Yojana, and Swacch Bharat specifically target those working in unorganized sector. He also mentioned about the initiatives taken the government for the empowerment of women and girl children in the country.


  • The PM-SYM along with the health coverage provided under 'Ayushman Bharat' and life & disability coverage provided under 'Pradhan Mantri Jeevan Jyoti Bima Yojana' and 'Pradhan Mantri Suraksha Bima Yojana, will ensure comprehensive social security coverage for the workers in the unorganized sector at their old age.






  • Around 42 crore employees in unorganized sector covered under Pradhan Mantri Shram Yogi Mandhan Yojana: Shri Piyush Goyal Posted On: 05 MAR 2019 3:15PM by PIB Mumbai


  • Union Minister for Railways and Coal, Shri Piyush Goyal has said that Pradhan Mantri Shram Yogi Mandhan (PM- SYM) Yojana is the world’s largest pension scheme. The Minister said that though the unorganized sector has been contributing in a significant manner towards the national GDP, the sector remained neglected. He said that the Government has understood the woes of the people in the sector and has come out with PM-SYM Yojana to address the same. The Minister was speaking at the launch of the scheme in Mumbai today.


  • The scheme was launched by the Prime Minister Shri Narendra Modi in Gandhinagar, Gujarat today. Shri Goyal said that the promptness with which the scheme has been launched shows the Government’s willingness in reaching out to the needy people in the unorganized sector. The scheme was announced in the Interim Budget 2019, on 1st February, 2019; and enrolment into the scheme began on 15th February, 2019, within a very short duration, said the Minister.


  • The Minister informed that there are around 42 crore people employed in the unorganized sector and that the government’s aim is to reach out to the last mile. He also appealed to everyone to reach out to as many citizens as possible so that the beneficiaries are able to reap the benefits of the scheme.


  • The Minister exhorted the people of the country to step in and enrol those working in our homes and neighbourhood into the scheme, by paying the contribution on their behalf. He said that he will pay the contribution for the employees working under him. In his video message, Chief Minister of Maharashtra, Shri Devendra Fadnavis appreciated the scheme and applauded Prime Minister Shri Narendra Modi for the initiative.


  • On the occasion, Minister for Labour and Skill Development, Government of Maharashtra, Shri Sambhaji Patil Nilangekar said that Maharashtra is at the first position, with 2,86,487 people have registered under this scheme till now. He assured that unorganized sector employees of the state will soon be included under the scheme. Shri Sambhaji said that there was a long-pending demand from the unorganized sector to bring a pension scheme, which is now fulfilled through PM – SYM Yojana. On the occasion, select 25 beneficiaries from various parts of Maharashtra received PM-SYM cards.


  • Backgrounder on the scheme Following are the salient Features of PM-SYM: Minimum Assured Pension: Each subscriber under the PM-SYM, shall receive minimum assured pension of Rs 3000/- per month after attaining the age of 60 years.


  • Family Pension: During the receipt of pension, if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension received by the beneficiary as family pension. Family pension is applicable only to spouse.


  • (iii) If a beneficiary has given regular contribution and died due to any cause (before age of 60 years), his/her spouse will be entitled to join and continue the scheme subsequently by payment of regular contribution or exit the scheme as per provisions of exit and withdrawal.


  • Contribution by the Subscriber: The subscriber’s contributions to PM-SYM shall be made through ‘auto-debit’ facility from his/ her savings bank account/ Jan- Dhan account. The subscriber is required to contribute the prescribed contribution amount from the age of joining PM-SYM till the age of 60 years.


  • Matching contribution by the Central Government: PM-SYM is a voluntary and contributory pension scheme on a 50:50 basis where prescribed age-specific contribution shall be made by the beneficiary and the matching contribution by the Central Government as per the chart. For example, if a person enters the scheme at an age of 29 years, he is required to contribute Rs 100/ - per month till the age of 60 years. An equal amount of Rs 100/- will be contributed by the Central Government.


  • The unorganised workers mostly engaged as home based workers, street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, rickshaw pullers, landless labourers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, audio- visual workers and similar other occupations whose monthly income is Rs 15,000/ per month or less and belong to the entry age group of 18-40 years are eligible for the scheme. They should not be covered under New Pension Scheme (NPS), Employees’ State Insurance Corporation (ESIC) scheme or Employees’ Provident Fund Organisation (EPFO). Further, he/she should not be an income tax payer.






  • India to achieve gem and jewellery export target of USD 75 billion by 2025: Commerce Minister Shri Suresh Prabhu Posted On: 05 MAR 2019 5:36PM by PIB Mumbai


  • Union Minister for Commerce & Industry and Civil Aviation Shri Suresh Prabhu has said that the Indian jewellery industry plays an important role in the economy of the country. It accounts for 7% of GDP and 14% of merchandise exports and provides direct employment to 5 million people. To enable it to innovate and cater to the global market, it is essential to provide a suitable ecosystem. He was speaking at the foundation stone laying ceremony of India Jewellery Park, in Navi Mumbai today.


  • The Minister expressed confidence that the industry will achieve the export target of USD 75 billion by 2025, up from the current figure of USD 42 billion annually. India Jewellery Park is an integrated industrial park with all facilities under one roof. The Park will have manufacturing units, commercial areas, residences for industrial workers, and commercial support services.


  • “Mumbai is the largest exporter of gem & jewellery, accounting for USD 28,320.94 million (69% of India’s total exports of gems and jewellery). India Jewellery Park, the first-of-its-kind Jewellery Park, will transform the jewellery industry in the state of Maharashtra and India”, said the Chief Minister of Maharashtra, Shri Devendra Fadnavis.


  • He further said that Jewellery Park will generate additional 1 lakh jobs in the sector. He also assured to provide a single-window system at the project site. He declared all possible help for Gem and Jewellery University and low-cost housing for artisans under PMAY. The State Government has always supported this labour-intensive sector and will continue to support it, said the CM.


  • India Jewellery Park, Mumbai is a project of Gem & Jewellery Export Promotion Council (GJEPC). GJEPC will be entrusted to construct the Park as a Special Purpose Vehicle. The project is planned with a total project investment of Rs.14,467 crore including land, building and raw materials, which will generate an annual turnover to the tune of Rs. 41,467.50 crore under current market conditions, a major part of which will be for exports. India Jewellery Park is expected to enhance manufacturing, investment, export growth and overall economic development of Maharashtra and India.


  • Minister for Industries & Mining, Government of Maharashtra, Shri Subhash Desai; Chairman, GJEPC, Shri Pramod Kumar Agrawal and other dignitaries were present on the occasion.


  • About GJEPC: The Gem & Jewellery Export Promotion Council (GJEPC) was set up by the Ministry of Commerce and industry, Government of India in 1966. It is the apex body of the gems & jewellery industry. Today, it represents over 6,800 exporters in the sector. With headquarters in Mumbai, the GJEPC has Regional Offices in New Delhi, Kolkata, Chennai, Surat and Jaipur, all of which are major centres for the industry. It thus has a wide reach and is able to have a close interaction with members to serve them in a direct and meaningful manner. Over the past decades, the GJEPC has emerged as one of the most active EPCs, and has continuously strived to expand its reach and depth in its promotional activities as well as widen and increase services to its members






  • BOLD-QIT is the project to install technical systems under the Comprehensive Integrated Border Management System (CIBMS), which enables BSF to equip Indo-Bangla borders with different kind of sensors in unfenced riverine area of Brahmaputra and its tributaries.


  • What is CIBMS? The concept of CIBMS is the integration of manpower, sensors and command and control to improve situational awareness and facilitate quick response to emerging situations. Among major components of CIBMS is the ‘virtual fence’. The second component is the command and control, which will help in optimum use of resources for border management. Another component is power management to keep CIBMS running.


  • Need for BOLD- QIT project: Border Security Force is responsible for safeguarding of 4,096 Km long International Border with Bangladesh. At various places, it is not possible to erect Border Fence due to the geographical barriers. The 61 Kms of Border area in District Dhubri, Assam where River Brahmaputra enters into Bangladesh is consisting of vast char lands and innumerable river channels thus making border guarding in this area, a daunting task especially during rainy season.


  • The implementation of this project will not only help BSF to curb all type of cross border crimes but also provide respite to the troops from round the clock human surveillance.


  • Significance and the need for smart borders: Smart borders on one hand allow seamless movement of authorized people and goods, while on the other, minimise cross-border security challenges using innovation and technology enablement. Over the long term, smart border management will also have to incorporate systems that digitally monitor patterns of activity through and around border areas to root out organised crime and anti-national events.






  • Theme: ‘Life below Water: for People and Planet’. The theme aligns with goal 14 of UN Sustainable Development Goals.


  • Relevance of theme: Significance of oceans: The ocean contains nearly 200,000 identified species, but actual numbers may be in the millions. Globally, the market value of marine and coastal resources and industries is estimated at US$3 trillion per year, about 5% of global GDP. Over three billion people depend on marine and coastal biodiversity for their livelihoods. Marine wildlife has sustained human civilization and development for millennia, from providing food and nourishment, to material for handicraft and construction. It has also enriched our lives culturally, spiritually, and recreationally in different ways.


  • Concerns and the need for conservation: The capacity of life below water to provide these services is severely impacted, as our planet’s oceans and the species that live within it are under assault from an onslaught of threats. As much as 40% of the ocean is now heavily affected by the most significant and direct threat of over exploitation of marine species as well as other threats such as pollution, loss of coastal habitats and climate change.


  • These threats have a strong impact on the lives and livelihoods of those who depend on marine ecosystem services, particularly women and men in coastal communities.


  • Background: On 20 December 2013, at its 68th session, the United Nations General Assembly (UNGA) proclaimed 3 March, the day of signature of the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES), as UN World Wildlife Day to celebrate and raise awareness of the world’s wild animals and plants.


  • About CITES: The Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) is an international regulatory treaty between 183 party states. It was formed in 1973 and regulates the international trade in over 35,000 wild species of plants and animals.


  • The focus of the convention is not solely on the protection of species. It also promotes controlled trade that is not detrimental to the sustainability of wild species.


  • How does CITES work? The convention works primarily through a system of classification and licensing. Wild species are categorised in Appendices I to III. This often reflects species’ threat status on the Red List of the IUCN, the International Union for Conservation of Nature’s Red List of Threatened Species first created in 1964.


  • Appendix I prohibits trade in species classified as highly endangered. Appendix II allows trade under very specific conditions. This requires exporting countries obtain a permit, but not the importing country. Appendix III species require only a certificate of origin to be traded.


  • National CITES management authorities may issue permits once scientific authorities show non-detriment findings. In other words, scientific evidence must demonstrate that species sustainability will not be adversely affected by trade. Where data is lacking, the precautionary principle applies. CITES is legally binding on state parties to the convention, which are obliged to adopt their own domestic legislation to implement its goals.






  • About the Portal “PSBLoansin59min”: The portal was launched in November to provide credit of up to Rs 1 crore to micro, small and medium enterprises (MSMEs) in just 59 minutes.


  • It is one of its kind platforms in MSME segment which integrates advanced fintech to ensure seamless loan approval and management. The loans are undertaken without human intervention till sanction and or disbursement stage.


  • How it works? The Portal sets a new benchmark in loan processing and reduces the turnaround time from 20-25 days to 59 minutes. Subsequent to this in principle approval, the loan will be disbursed in 7-8 working days.


  • The solution uses sophisticated algorithms to read and analyse data points from various sources such as IT returns, GST data, bank statements, MCA21 etc. in less than an hour while capturing the applicant’s basic details.


  • The system simplifies the decision making process for a loan officer as the final output provides a summary of credit, valuation and verification on a user-friendly dashboard in real time.






  • Key features: Dubbed as ‘One Nation One Card’, the inter-operable transport card would allow the holders to pay for their bus travel, toll taxes, parking charges, retail shopping and even withdraw money. This card runs on RuPay card. With the advent of this indigenously-developed and one-of-its-kind card, the country is no longer required to be dependent on foreign technology.


  • The stored value on card supports offline transaction across all travel needs with minimal financial risk to involved stakeholders. Ministry of housing & urban affairs brought to the fore the National Common Mobility Card (NCMC) to enable seamless travel by different metros and other transport systems across the country besides retail shopping and purchases.


  • Need for and significance of NCMC: Public transport is extensively used across India as the economical and convenient mode of commuting for all classes of society. Cash continues to be the most preferred mode of fare payments across the public transport.


  • However, there are multiple challenges associated with the cash payment such as cash handling, revenue leakages, cash reconciliation etc. Various initiatives have been taken by transit operators to automate and digitize the fare collection using Automatic Fare Collection System (AFC).


  • The introduction of closed loop cards issued by these operators helped to digitize the fare collection to a significant extent. However, the restricted usability of these payment instruments limits the digital adoption by customers.






  • Highlights of the programme: The programme aims at imparting basic knowledge on space technology, space science and space applications to the younger ones with the intent of arousing their interest in the emerging areas of space activities. Under the programme, three students each will be selected to participate in it every year from each state and union territory, covering CBSE, ICSE and state syllabus.


  • The eligibility for being chosen for the programme includes those students who have finished 8th standard and are currently studying in the 9th standard.


  • The selection will be based on the academic performance and extracurricular activities of the students, as per the selection criteria already circulated to the chief secretaries of the states and administrators of Union Territories. The students belonging to rural areas have been given special weightage under the selection criteria set by ISRO.






  • 2nd Asian Rhino Range Countries meeting was held at New Delhi and organised by the Ministry of Environment, Forest and Climate Change of Government of India in collaboration with the IUCN Asian Rhino Specialist Group, WWF- India and Aaranyak.


  • Key facts: India will collaborate with Bhutan, Nepal, Indonesia and Malaysia to increase the population of three species of Asian rhinos, including the Greater one-horned rhinoceros found in the Indian sub-continent. The declaration was signed to conserve and review the population of the Greater one-horned, Javan and Sumatran rhinos every four years to reassess the need for joint actions to secure their future.


  • The declaration includes undertaking studies on health issues of the rhinos, their potential diseases and taking necessary steps; collaborating and strengthening wildlife forensics for the purpose of investigation and strengthening of transboundary collaboration among India, Nepal and Bhutan for the conservation and protection of the Greater one-horned rhino.


  • The twelve point strategic actions outlined the following actions: To collaborate to strengthen protection regimes, strategic information gathering, and real time sharing of actionable information on rhino crime and its horn trade to secure the rhino population within and between range countries. To initiate research on various habitat parameters including invasive species threatening the suitable habitats of Asian rhinos and take appropriate steps to optimally manage the habitats.


  • To explore possibilities of expanding rhino ranges within country or between rhino range countries for optimal population management. To strengthen transboundary collaboration among India, Nepal, and Bhutan for the greater one-horned rhino conservation and protection. To identify connectivity and corridors across international boundaries and keep them functional, safe and secure for free movement of Asian rhinos and other wildlife.


  • To increase the engagement of the local communities as stewards to secure the future of rhinos in range countries. To initiate proactive monitoring on potential adverse impacts of climate change on rhino health and their habitats in range countries. To undertake studies on Rhino health issues & potential diseases and take necessary steps for management intervention. To regularly organize exposure visits for managers and frontline staffs of the rhino range countries and to document the best practices for wider dissemination.


  • To collaborate and strengthen wildlife forensics for the purpose of investigation. To accelerate natural and conservation breeding of critically endangered Sumatran rhino including best use of all available individuals and technologies.


  • To call to the attention of all countries that possible opening of international trade of rhino horn and other derivatives will have a severe detrimental impact on rhino populations in Asian rhino range countries.


  • Key facts: The greater one-horned rhinoceros is the largest of the three Asian rhinos and, together with African white rhinos, is the largest of all rhino species. It is listed as Vulnerable on the IUCN Red List. With at least half of the total population, India’s Kaziranga National Park remains the key reserve for this species. Two species of rhino in Asia—Javan and Sumatran—are critically endangered.






  • The findings were based on a study of the health records of 250,000 people in Haryana (which sees a spike in crop burning episodes in winter), and Andhra Pradesh and Tamil Nadu, which don’t see similar burning episodes. The study is to appear in the peer-reviewed International Journal of Epidemiology.


  • Highlights of the study: In Haryana, 5.4% of surveyed individuals reported suffering from ARI (Acute Respiratory Infection) whereas the reported ARI symptoms in southern States was only 0.1%.


  • Among those who reported suffering from ARI, 83% also reported receiving treatment for ARI at a private or public medical facility. Whereas high-intensity fire exposure was virtually absent in south India, 17.5% of individuals in Haryana lived in a district where 100 or more fires per day were observed by the satellite.


  • Background: For about a decade now, Delhi has been complaining about the practice of stubble burning, holding it responsible for the abysmal air quality in the capital in winter. In 2013, the National Green Tribunal (NGT) issued a directive to Punjab, Haryana and Uttar Pradesh, asking them to ban stubble burning.


  • The Environment Ministers of these States as well as top officials at the Centre declared a “zero tolerance” policy on the burning of stubble, which has been estimated to contribute anywhere from 7% to 78% of the particulate matter-emission load in Delhi during winter.


  • What is stubble burning? Stubble burning is a common practice followed by farmers to prepare fields for sowing of wheat in November as there is little time left between the harvesting of paddy and sowing of wheat. Stubble burning results in emission of harmful gases such carbon diaoxide, sulphur dioxide, nitrogen dioxide along with particulate matter.


  • Concern of the Farmers: Why stubble burning? Even though farmers are aware that the burning of straw is harmful to health, they do not have alternatives for utilising them effectively. The farmers are ill-equipped to deal with waste because they cannot afford the new technology that is available to handle the waste material.


  • Experts say that with less income due to crop damage, farmers are likely to be inclined to light up their fields to cut costs and not spend on scientific ways of stubble management. It costs Rs 1,500-3,000 per acre for stubble management, depending on the equipment and method.


  • Alternative solutions that can avoid Stubble Burning: There is great potential for making investments in paddy straw-based power plants which can help avoid stubble burning to a large extent and also create employment opportunities.


  • Incorporation of crop residues in the soil can improve soil moisture and help activate the growth of soil microorganisms for better plant growth. Convert the removed residues into enriched organic manure through composting. New opportunities for industrial use such as extraction of yeast protein can be explored through scientific research.


  • Need of the hour: Unless Financial assistance is to be provided by the Centre for boosting farm mechanisation, it is difficult to completely stop stubble burning. States needs to make alternative arrangements for consumption of paddy straw into the soil as per the directions of the NGT.






  • Context: Red Flag 19 military drill is being held in the US. Exercise Red Flag is an advanced aerial combat training exercise held several times a year by the United States Air Force. The exercise offers realistic air-combat training for military pilots and other flight crew members from the U.S., NATO and other allied countries.






  • Summary: The editorial discusses about India’s rooftop solar power potential, why the outreach among residential consumers is low and what needs to be done.


  • Context: In February, the Cabinet Committee on Economic Affairs approved phase 2 of the grid-connected rooftop solar programme, with a focus on the residential sector.


  • Its outreach: India has set an ambitious target of achieving 40 GW of rooftop solar capacity by 2022. However, while there has been progress on rooftop solar installations among industries and commercial consumers, the uptake among residential consumers has been slow.


  • Why uptake among residential consumers has been slow? They don’t have enough information about it. There is no single source to access information, evaluate benefits and disadvantages, and examine if any government support (such as a financial subsidy) is available.


  • Need of the hour: Devise simple, well-designed and creative ways to disseminate information. Information must be made easily available to the consumers on the amount of shadow-free roof area needed for generating a unit of electricity and pricing; operating the system, after-sales maintenance and support; and reliable rooftop solar vendors.


  • The local electricity linesmen, electricity inspectors, and other nodal officials in the electricity department also have key roles to play. Building their capacities to disseminate such information and handle consumer queries and concerns, and providing basic training in billing and metering for solar power can go a long way in improving consumers’ experience.


  • Objective information must be put out through various avenues, so that it is accessible to all segments of the population and in local languages. Such awareness drives will reach larger audiences. Information kiosks can be set up in public institutions like banks to offer information on the technology, as well as on practical issues such as guidance on selecting vendors.


  • A robust feedback mechanism can be put in place for consumers to share their experiences with others.


  • Resident welfare associations (RWAs) can tie up with vendors to organise demonstration programmes, so that consumers can observe, operate and understand how the system works.


  • Awareness building sessions need to be socially inclusive and should take place during periods when consumers are likely to be at home.