futhdj.k vkSj èku l`tu - indiabudget.gov.in€¦ · FkkA ljdkj bl ckr dks le>rh gS fd tgka Hkh...

;g vè;k; ç/ku ea=kh tu vkjksX; ;kstuk (PM-JAY) ds LokLF; laca/h ifj.kkeksa ij etcwr ldkjkRed çHkkoksa dks çnf'kZr djrk gS & Hkkjr ljdkj }kjk 2018 esa lcls detksj oxks± dks LokLF; lsok çnku djus ds fy, 'kq: fd;k x;k egRokdka{kh dk;ZØeA mPp vko`fÙk] Mk;fyfll tSlh de ykxr ns•Hkky vkSj dksfoM egkekjh vkSj ykWdMkmu ds nkSjku Hkh fcuk fdlh O;o/ku ds mi;ksx tkjh j•us ds fy, PM-JAY dk dkiQh mi;ksx fd;k tk jgk gSA lkekU; fpfdRlk & vk/s ls vf/d nkoksa ds fy, vR;f/d çeq• uSnkfud fo'kss"krk ys•kadu & ykWdMkmu ds nkSjku fxjus ds ckn oh&vkdkj dh olwyh dk çn'kZu fd;k vkSj fnlEcj &20 esa iwoZ&dksfoM&19 Lrjksa rd igqap x;kA vafre & ysfdu vè;k; esa lcls egRoiw.kZ & fo'ys"k.k fHkUurk&esa&fHkUurk fo'ys"k.k djds LokLF; ifj.kkeksa ij PM-JAY ds dkj.k çHkko dk vuqeku yxkus dk ç;kl djrk gSA tSlk fd PM-JAY ekpZ 2018 esa ykxw fd;k x;k Fkk] jk"Vªh; ifjokj LokLF; loZs{k.k 4 (2015&16 esa) vkSj 5 (2019&20 esa) }kjk ekik x;k LokLF; ladsrd bl çHkko dk vkdyu djus ds fy, igys&ckn ds vkadM+s çnku djrs gSaA fofHkUu Hkzked dkjdksa ds çHkko dks de djus ds fy,] ge mu jkT;ksa dh rqyuk djds fHkUurk&esa&fHkUurk dk vuqeku yxkrs gSa ftUgksaus PM-JAY cuke mu yksxksa dks ykxw fd;k Fkk tks ugha djrs FksA ge bl fo'ys"k.k dks nks Hkkxksa esa djrs gSaA lcls igys] ge if'pe caxky dk mi;ksx ml jkT; ds :i esa djrs gSa ftlus PM-JAY dks ykxw ugha fd;k vkSj vius iM+kslh jkT;ksa dh rqyuk dh] ftUgksaus PM-JAY & fcgkj] flfDde vkSj vle dks ykxw fd;kA nwljk] ge mu lHkh jkT;ksa ds fy, leku fo'ys"k.k nksgjkrs gSa] ftUgksaus lHkh jkT;ksa esa PM-JAY dks ykxw ugha fd;k FkkA

PM-JAY us LokLF; chek dojst c<+k;k blhizdkj] lHkh jkT;ksa esa] mu jkT;ksa ds fy, LokLF; chek okys ifjokjksa ds vuqikr esa 54» dh o`f¼ gqbZ] tks mu jkT;ksa esa 10» dh fxjkoV ds lkFk PM-JAY dks ykxw djus okys jkT;ksa esa ugha FksA fcgkj] vle vkSj flfDde esa LokLF; chek djkus okys ifjokjksa dk vuqikr 2015&16 ls 2019&20 rd 89» c<+ x;k] tcfd if'pe caxky esa blh vof/ esa ;g 12» rd de gks x;kA 2015&16 ls 2019&20 rd] PM-JAY us dks ykxw ugha djus okys jkT;ksa esa f'k'kq e`R;q nj esa 12» vkSj

vk;q"eku Hkkjr&tu vkjksX; ;kstuk (ts-,-okbZ) vkSj LokLF; ifj.kke

09

vlekurk ds lHkh :iksa esa] LokLF; lsok esa vU;k; lcls pkSadkus okyk

vkSj lcls vekuoh; gSA

µ ekfVZu ywFkj ¯dx twfu;j

285vk;q"eku Hkkjr&tu vkjksX; ;kstuk (ts-,-okbZ) LokLF; ifj.kke

PM-JAY ykxw djus okys jkT;ksa esa 20» dh fxjkoV vkbZA blh rjg] tcfd PM-JAY ykxw ugha djus okys jkT;ksa vius vaMj &5 e`R;q nj esa 14» dh fxjkoV ns•h tcfd PM-JAY ykxw djus okys jkT;ksa us 19» dh deh ns•hA tcfd PM-JAY ykxw djus okys jkT;ksa us cPpksa ds chp yxkrkj varj dh vko';drk esa 15% fxjkoV ns•h tc PM-JAY ykxw djus okys jkT;ksa esa iM+kslh rhu jkT;ksa esa 31» fxjkoV ntZ dh xbZA ih,e&th,okbZ ykxw djus okys] ykxw ugha djus okys jkT;ksa dh rqyuk esa jkT;ksa esa ek¡ vkSj cPps dh ns•Hkky ds fy, fofHkUu esfVªDl esa lq/kj gqvk gSA buesa ls çR;sd LokLF; çHkko leku :i ls çdV gksrk gS tc ge mu lHkh jkT;ksa dh rqyuk djrs gSa ftUgksaus PM-JAY dks ykxw fd;k gSa cuke ftUgksaus ugha fd;k gSaA ;s lHkh LokLF; izHkko] blhizdkj rHkh izdV gksrs gSa tc ge ih, ts,okbZ dks ykxw djus djus okys fcgkj] vle vkSj flfDde dh rqyuk if'pe caxky ls djrs gSa ftlus ih,e ts,okbZ dks ykxw ugha fd;k FkkA tcfd ;g oqQN izHkko chek dojst osQ }kjk c<+h gqbZ l{ke ns[kHkky ls izR;{k :i ls izHkko ls n'kkZrs gSa] tcfd vc blh otg ls ,slk izHkko ugha fn[kkrsA dqy feykdj] rqyuk mu jkT;ksa esa dbZ LokLF; ifj.kkeksa esa egRoiw.kZ lq/kj dks n'kkZrh gS ftUgksaus PM-JAY ykxw fd;k Fkk cuke ftUgksaus ugha fd;k FkkA

izLrkouk

9-1 fu%'kqYdcktkjksadsrgrlkoZtfudoLrqvksadkçko/kugS]ljdkjdh,degRoiw.kZHkwfedkviusukxfjdksadkslkoZtfudlkekuçnkudjukgS]fo'ks"k:ils,dlektesadetksjoxks±dsfy,AtcfdvehjfuthfodYiksadhryk'kdjldrsgSa]csgrjlsok,¡tqVkldrsgSa];k;fnvko';dgks]rksmu{ks=kksaesatkldrsgSatgkalkoZtfudlkekucsgrjçnkufd,tkrsgSa]xjhcksadsikl'kk;nghblrjgdsfodYigSa(cslysvkSj?kVd]2004)Ablçdkj]lkoZtfudoLrqvksadkçko/kufo'ks"k:ils,dlektesadetksjoxks±dsthoudhxq.koÙkkdksçHkkfordjldrkgSAfiQjHkh]ljdkjsayksdra=kesa^^f{kfrtdhleL;k**lsihfM+rgksldrhgSa]tgk¡le;f{kfrt]ftlijlkoZtfudoLrqvksadsykHkernkrkvksardigq¡prsgSa]pqukohpØksalsvf/dyackgksldrkgS(ns•saKeefer]2007vkSjKeefer vkSjVicicu]2007nwljksadschp)Af{kfrtdhleL;klsmRiUuek;ksfi;kfiQjlslkoZtfudoLrqvksadhvaMj&çksfotfuaxgksldrhgSAblfy,]lkoZtfudoLrqvksadkçko/kutksvFkZO;oLFkkvkSjlektdsfy,nh?kZdkfydykHkmRiUudjrkgS],dyksdrkaf=kdjktuhfresa'kkludsçeq•igywdkçfrfuf/RodjrkgSA

9-2 tSlk fdLokLF;ns•Hkky,degRoiw.kZlkoZtfuddY;k.kdkçfrfuf/RodjrkgS]ØfedljdkjksauslkoZHkkSfedLokLF;dojst (UHC) çkIrdjusdsfy,çfrc¼fd;kgSAgkykafd]2018rd]UHC,dek;kohliukcukjgkA2018esa]Hkkjrljdkjusns'kesalclsdetksjoxks±rdLokLF;lsokigq¡pçnkudjusdsfy,,d,sfrgkflddneds:iesavk;q"ekuHkkjrç/kuea=khtuvkjksX;;kstuk(AB-PM-JAY)dkseatwjhnhAykHkkfFkZ;ksaesa10-74djksM+xjhcvkSjdetksjifjokjksadsyxHkx50djksM+O;fÙkQ'kkfeyFks]tksHkkjrh;vkcknhdsfupys40»fgLlsdkscukrsgSaAifjokjksadksØe'k%xzkeh.kvkSj'kgjh{ks=kksads fy,lkekftd&vkfFkZdtkfrtux.kuk2011(SECC2011)lsoafprvkSjO;kolkf;dekunaMksadsvk/kjij'kkfeyfd;kx;kFkkA;g;kstukikfjokfjdÝyksVjdsvk/kjijçfr[k”kZçfrifjokj5yk•#i;srddhLokLF;lsokçnkudjrhgS]ftldkvFkZgSfdbldkmi;ksxifjokjds,d;klHkhlnL;ksa}kjkfd;ktkldrkgSA;g;kstuklkoZtfudvkSjl’kÙkQfuthLokLF;lsokçnkrkvksadsusVodZdsekè;elsekè;fedvkSjr`rh;dvLirkyesaHkrhZgksusdsfy,

286 vkfFkZd leh{kk 2020-21 [k.M 1

çnkudjrhgSA;giwoZ&vLirkyesaHkrhZgksusdsrhufnuvkSjvLirkyesaHkrhZgksusds15fnuksadsfy,çnkufd;ktkrkgS]mezvkSjfyax;kifjokjdkvkdkjijdksbZlhekughaj•rkgS]vkSjns'kHkjesaiksVZscygSAblesa23fof'k"Vrkvksalfgr1573çfØ;k,a'kkfeygSa(fooj.kdsfy,ckWDl1ns•sa)Avk;q"ekuHkkjr&tuvkjksX;;kstuklEiw.kZtula[;kdkspgqeq[khizFkfedLokLF;ns[kHkkylsokmiyC/djkusgsrq150]000LoLF;,oadY;k.kosQUæksadhLFkkiukdky{;Hkhj[kkgSA

9-3 blvè;k;esafn,x,lk{;LokLF;laca/hifj.kkeksaijPM-JAYdsetcwrldkjkRedçHkkofn•krsgSaAlclsigys]mPpvko`fÙk]deykxrokyhns•Hkkydsfy,PM-JAYdkdkiQhmi;ksxfd;ktkjgkgSAnkoksadsforj.kdkmi;ksxdjrsgq,]geikrsgSafdforj.k,dyachiwaNokykgStksINR 10]000&15]000dhlhekesagSAçkIriwoZ&çkf/dkjdsnkoksadhmPprela[;k,slhçfØ;kvksadsfy,FkhftudhykxrbllhekesaFkhAvf/dHkkjhçfØ;kvksadsfy,forj.kcgqrdenkoksadkladsrnsrkgSfdforj.klghrjglsgksrkgSA

9-4 nwljk]lkekU;fpfdRlk2018dscknlsbLrsekydhtkusokyhçeq•uSnkfudfo'ks"krkjghgSvkSjblds'ks;jyxkrkjc<+jgsgSaAbldscknlkekU;ltZjh]çlwfrvkSjL=khjksxgSA;srhuJsf.k;kavkSlrlsçkIrnkoksadsvk/slsvf/dfgLlsdkstksM+rhgSaAMk;fyfll&mPpvko`fÙk]deykxrokyhçfØ;ktksxqnZsdhdfBukb;ksaokysjksfx;ksadsfy,thouj{kdgS&PM-JAYdsrgrlkekU;fpfdRlkJs.khdsnkoksads,dcM+sfgLls(30»)dsfy,ftEesnkjgSA

9-5 rhljk]dksfoM&19dsdkj.k;kekpZ&vçSy2020esaykWdMkmudsdkj.kHkhMk;fyflldsnkosdeughagq,]tcfdgeykWdMkmudsnkSjkulexzlkekU;fpfdRlkJs.khdsrgrnkoksaesaHkkjhfxjkoVns•ldrsgSaA;gthouj{kdMk;fyfllçfØ;kdsfy,PM-JAYijmi;ksxdrkZvksadhfuHkZjrkijçdk'kMkyrkgSAblçdkj]dksfoM&19egkekjhdsnkSjkuMk;fyflltSlsegRoiw.kZ]thouj{kdLokLF;çfØ;kvksadksxaHkhj:ilsçHkkforughafd;kx;kgSA

9-6 pkSFkk]lkekU;ns•Hkkyds:iesaPM-JAY nkoksaesans•kx;kfdykWdMkmudsnkSjkufxjusdscknoh&vkdkjdholwyhdkçn'kZufd;kx;kgSvkSjfnlacj&20esaiwoZ&dksfoMLrjksardigqapx;kgSA

9-7 vafre&ysfduvè;k; esa lcls egRoiw.kZ&fo'ys"k.k fHkUurk&esa&fHkUurk fo'ys"k.kdjds LokLF;ifj.kkeksaijPM-JAY dsçHkkodkvuqekuyxkusdkç;kldjrkgSAgeblfo'ys"k.kdksdjusdsfy,jk"Vªh;ifjokjLokLF;loZs{k.k4(,u,iQ,p,l2015&16)vkSjjk"Vªh;ifjokjLokLF;loZs{k.k5(,u,iQ,p,l2019&20)}kjkekikLokLF;ladsrdksadhrqyukdjrsgSaAtSlkfdPM-JAY dksekpZ2018esaykxwfd;kx;kFkk];snksuksaloZs{k.kNFHS-5dkmi;ksxdjdsifjorZuksadhrqyukdjusdsfy,vk/kjHkwrds:iesadk;ZdjusokysNFHS-4dslkFkPM-JAYdsçHkkodkvkdyudjusdsfy,MsVkdscknçnkudjrsgSaAns'kHkjesaLokLF;ladsrdksaesa/eZfujis{klq/kjksardlhferughagS]ysfdufofHkUuHkzkeddkjdksadsçHkkodksdedjusdsfy,]gefHkUurk&esa&fHkUurkdkvkdyudjdsblfo'ys"k.kdkdk;ZdjrsgSaA

9-8 ;gfo'ys"k.knksHkkxksaesafd;ktkrkgSAigysHkkxesa]geif'pecaxkydkmi;ksxmljkT;ds:iesadjrsgSaftlusPM-JAY dksykxwughafd;kvkSjviusiM+kslhjkT;ksaesaLokLF;ifj.kkeksaesaigys&ckndsvarjdhrqyukdh]ftUgksausPM-JAY &fcgkj]flfDdevkSjvledksykxwfd;kAbulHkhjkT;ksadsvykok,d&nwljsdsfy,lfUufgrgksusvkSjblfy,lkekftd&vkfFkZdvk;keksaijleku


gksusdsckotwn]gefn•krsgSafdbunksjkT;ksadsvk/kjHkwry{k.klekuFksAnwljsHkkxesa]gemulHkhjkT;ksadsfy,lekufo'ys"k.knksgjkrsgSa]ftUgksausPM-JAYdksykxwfd;kFkkvkSjftUgksausPM-JAYykxwughafd;kFkkAcs'kd]ns'kesajkT;ksadsiwjslewgesafofo/rkcM+hgSAnwljkfo'ys"k.kigysdhrqyukesa,drjgdsfy,rqyukesadegSAbunksuksarqyukvksalsfu"d"kks±dkla;kstu;glqfuf'prdjrkgSfdfu"d"kZudsoy,dvf/dLFkkuh;Ñrdsfy,etcwrgSa]vkSjblfy,]vf/dlko/kurqyuk]ysfdu;gHkhfdns'kdslHkhçeq•jkT;ksardiQSykgqvkgSAblfo'ys"k.kdsfu"d"kks±dksla{ksiesablçdkjgS%

1- fcgkj] vle vkSj flfDde esa LokLF; chek djkus okys ifjokjksa dk vuqikr 2015&16 ls2019&20rd89»c<+x;k]tcfdif'pecaxkyesablhvof/esa;g12»rddegksx;kAblvof/dsnkSjkulHkhjkT;ksalsrqyukdjusij]geikrsgSafdftujkT;ksausPM-JAYdksughaviuk;k]muesa10»dhfxjkoVdslkFkPM-JAYdksykxwdjusokysjkT;ksadsfy,LokLF;chekdsvuqikresa54»dho`f¼gqbZAblçdkj]PM-JAYusLokLF;chekdojstc<+k;kA

2- 2015&16ls2019&20rd]if'pecaxkydsfy,f'k'kqe`R;qnjesa20»vkSjrhuiM+kslhjkT;ksadsfy,28»dhfxjkoVvkbZAblhrjg]tcfdcaxkyusviusvaMj&5e`R;qnjesa20»dhfxjkoVns•h]iM+ksfl;ksaus27»dhdehns•hAblizdkjiM+kslhjkT;ksausbuLokLF;ifj.kkeksaesa7&8izfr'krdhdehns[khA

3- rhuiM+kslhjkT;ksaesaxHkZfujks/ddsvk/qfudrjhds]efgykulcanhvkSjxksyhdsmi;ksxesaØe'k%36»]22»vkSj28»dho`f¼gqbZ]tcfdif'pecaxkydsfy,lacaf/rifjorZuux.;FksAtcfdif'pecaxkyusyxkrkjcPpksadschpvarjdhvko';drkesadksbZegRoiw.kZfxjkoVughans•h]iM+kslhrhujkT;ksaesa37»fxjkoVntZdhxbZA

4- rhuiM+kslhjkT;ksaesaif'pecaxkydhrqyukesaek¡vkSjcPpsdhns•Hkkydsfy,fofHkUuesfVªDlesalq/kjgqvkgSA

5- mi;qZDr(2&4)esaof.kZrçR;sdçHkkoleku:ilsrcçdVgksrkgStcgemulHkhjkT;ksadhrqyukdjrsgSaftUgksaus PM-JAY ykxwdjrsgSacukemujkT;ksatksykxwughadjrsA

9-9 dqyfeykdj]rqyukmujkT;ksaesadbZLokLF;ifj.kkeksaesaegRoiw.kZlq/kjns[kkx;kgSftUgksausPM-JAY ykxwdhcukemuosQ jkT;ksadks ftUgksausykxwugha fd;kFkkA fofHkUu;kstddkjdksaosQ fy,fHkUurkfo'ys"k.kfu;a=k.kosQvuqlkjlosZ{k.k;gifj.kkefudykgSfdih,ets,okbZdkLokLF;ifj.kkeksaijldkjkRedizHkkoiM+kgSA

PM-JAY: vc rd dh fLFkfr vkSj çxfr

9-10jk"Vªh;LokLF;çkf/dj.k}kjktkjhPM-JAYdhuohureokf"kZdfjiksVZdsvuqlkj]dk;kZUo;udhfLFkfrblçdkjgS%

& 32jkT;vkSjdsUæ'kkflrçns'k;kstukykxwdjrsgSa

& 13-48djksM+bZ&dkMZtkjhfd,x,gSa

& :-7]490djksM+dsmipkjçnkufd,x,gSa(1-55djksM+vLirkyesaHkrhZ)


& 24]215vLirkylwphc¼

& 1-5djksM+mi;ksxdrkZvksaus;kstukdhosclkbV(mera.pmjay.gov.in)ijiathdj.kfd;kgSA

fp=k 1% fofHkUu çfØ;kvksa ds mi;ksx esa forj.k

lzksr%PMJAYlsçkIrNHAMsVk

9-11 fp=k1esaPM-JAYiwoZ&çkf/dkjdhla[;ktuojh2021(13tuojh2021rd)dsekè;elsle;&lhek2018dsfy,çfØ;kdhvkSlrdherdsf•ykiQ,dçfØ;kdknkokgSAforj.k,dyachiwaNokykgStksINR 10]000&15]000dhlhekesagSAçkIriwoZ&çkf/dkjdsnkoksadhmPprela[;k,slhçfØ;kvksadsfy,FkhftudhykxrbllhekesaFkhAvf/degaxhçfØ;kvksadsfy,vis{kkÑrdenkoksadkladsrnsrsgq,forj.kdkslgh<axlsiwaNkx;kgSAdeykxrçfØ;kvksadsfy,nkoksadhmPpla[;kçkFkfedLokLF;lsokvksadsfy,,dforj.kpSuyds:iesaPM-JAYdkmi;ksxdjusokysyksxksadkladsrgksldrhgSA

9-12 fp=k 2 2019dh frekgh 4ls 2018dh frekgh esa uSnkfud fo'ks"krkdh çÑfr }kjklexzPM-JAYnkoksadhfgLlsnkjhdkfooj.knsrkgSA

fp=k 2% uSnkfud fo'ks"krk }kjk nkoksa dk fgLlk


9-13tujyesfMflu2018dscknlsyxkrkjc<+jghçeq•uSnkfudfo'ks"krkdkbLrsekyfd;ktkjgk


gSAbldsckntujyltZjhvkSjçlwfrvkSjL=khjksxgSAburhuJsf.k;ksadksla;qÙkQ:ils4»2019esaçkIr56»nkoksadsdjhccuk;kx;kgSA;gkaè;kunsusokyh,degRoiw.kZpsrkouh;ggSfdMk;fyfllesaPM-JAYdsrgr^tujyesfMflu*Js.khdsnkoksadk,dcM+kfgLlk(30»)'kkfeygSA;gblrF;dsckotwn2016esa'kq:fd;kx;kç/kuea=khjk"Vªh;Mk;fyflldk;ZØeHkhftykvLirkyksaesafdMuhjksfx;ksadkseqÝrMk;fyfllçnkudjrkgSAjk"Vªh;LokLF;ea=kky;dsvkadM+ksadseqrkfcd]gjlkyHkkjresavafrepj.kdhfdMuhdhchekjhdsyxHkx2-2yk•u,ejhttqM+rsgSa]ftldsifj.kkeLo:igjlky3-4djksM+(?kks"k2016)Mk;fyflldhvfrfjÙkQekaxgksrhgSA;srF;HkkjrdsmPpjÙkQpkivkSjxqnZsdhchekjhds:iesaxSj&lapkjhjksxksadsc<+rscks>dksdedjrsgSaA

ckDl&1% PM-JAY esa fo'ks"krk] iSdst vkSj çfØ;k,a

fo'ks"krk iSdst çfØ;k,a

cUlZçca/u 6 20

dkfMZ;yth 20 26

dkfMZ;ks&FkksjSfldvkSjlaoguhltZjh 34 113

vkikrdkyhud{kiSdst 3 4

lkekU;nok 76 98

tujyltZjh 98 152

baVjosa'kuyU;wjks&jsfM;ksykWth 10 15

fpfdRlkvkWUdksykWth 71 263

ekufldfodkjiSdst 10 10

uo&çlons•HkkyiSdst 10 10

U;wjksltZjh 54 82

çlwfr&çlwfr'kklz 59 77

us=kfoKku 40 53

vksjy,aMeSfDlyksiQsfl;yltZjh 7 9

gîóhjksx 71 132

vksVksjfguksykfjatksyksth 35 78

ckyfpfdRlkfpfdRlkçca/u 46 65

ckyfpfdRlkltZjh 19 35

IykfLVdvkSjiqufuZekZ.kltZjh 8 12

iksyhVªkek 10 21

fofdj.kdSaljfoKku 14 35

lftZdyvkWUdksykWth 76 120

;wjksyksft 94 143

vfufnZ”VlftZdyiSdst 1 1

laiw.kZ 872 1,574


lkoZtfud oLrqvksa] yksdra=k vkSj 'kklu

9-14 Samuelson(1954)usdqNlkekuksadks^^lkoZtfudoLrqvksa**ds:iesavo/kj.kkc¼fd;kvkSjrdZfn;kfd^^dksbZfodsUæhÑrewY;fu/kZj.kç.kkyhlkewfgd•ir(turkdhHkykbZ)dsbuLrjksadkscsgrj<axlsfu/kZfjrdjusdsfy,lsokughadjldrhgSA**pwafdlkoZtfudlkekuxSj&çfr}a}hvkSjxSj&cfg"ÑrgSa],slslkekuksadsçko/kuesacktkjdhfoiQyrk,açcygksrhgSaAdherksadsekè;elsdkedjusokyhfodsUæhÑreqÙkQcktkjç.kkyhmiHkksÙkQkvksadksfo'kq¼:ilsxSj&cfg"ÑroLrqvksadsfy,viuhekaxdksçdVdjusdsfy,etcwjughadjldrhgS]vkSjblfy,mRikndksadksmlekaxdksiwjkdjusdkusrRoughadjldrkgSAbldsvykok]mudhxSj&çfr}af}rkdksns•rsgq,]futhfuekZrkblrjgdslkekuksaesafuos'kdkslghBgjkusdsfy,visf{krequkiQkughadekldrsgSaAblfy,]lkoZtfudoLrqvksadksljdkj}kjkgLr{ksifd,fcukxaHkhj:ilsdemRiknufd;ktkldrkgSA

9-15 pwafdlkoZtfudekycktkjksa}kjki;kZIr:ilsçnkuughafd;ktkrkgS]blfy,mudhljdkj}kjkvkiwfrZdhtkuhpkfg,Ablfy,]lkoZtfudoLrqvksadsfy,çko/kuvkSjmudhvkiwfrZlqfuf'prdjukljdkjdslclsegRoiw.kZdk;ks±esals,ddkçfrfuf/RodjrkgSAlqjf{kris;ty]LoPNrk]ifjogu]fpfdRlkns•Hkky]vkSjLdwyksardigqapvko';d{kerkvksadsçR;{k?kVddslkFk&lkFkmRiknd{kerkvksaesafuos'kds:iesavko';dgSAcslyhvkSj?kVd(2004)dkrdZgSfdvehjksadsiklfuthfodYiksadhryk'kdjus]csgrjlsokvksadhiSjohdjus];kt:jriM+usijfofHkUu{ks=kksaesatkusdkfodYigSAxjhcksadsikl,slsfodYiughagSa]tksfo'ks"k:ilslektdsdetksjoxks±dsfy,lkoZtfudlkekumiyC/ughadjk,tkusijmudsvHkkodksdedjrsgSaAlkoZtfudoLrqvksadsçko/kuvkSjvkfFkZdfodkldschpetcwrlaca/dhmifLFkfrjk"Vªh;]{ks=kh;vkSjvarjkZ"Vªh;Lrj(UNIDO, 2008)ijlkoZtfudHkykbZdsçko/kudhvko';drkdksc<+krhgSAblfy,'kklulektdsdetksjoxks±dsfy,lkoZtfudoLrqvksavkSjlsokvksadsçHkkohforj.kijtksjnsrkgSA8

9-16 lkoZtfudoLrqvksadsforj.kdsegRodsckotwn]ljdkjsayksdra=kksaesa^^f{kfrtdhleL;k**lsihfM+rgksldrhgSa]tgkale;f{kfrtftlijlkoZtfudoLrqvksadsykHkernkrkrdigqaprsgSa]pqukohpØksalsvf/dyackgksldrkgSAek;ksfi;k]tksblscukrkgS]blfy,]ljdkjksa}kjklkoZtfudoLrqvksadksdedjusdkçko/kufd;ktkldrkgSAmnkgj.kdsfy,]jktuhfrdvFkZO;oLFkkesavuqla/kulsirkpyrkgSfdpqukohpØksadsekè;elsçLrqrfujarjjktuhfrdpqukSrhdsdkj.kyksdrkaf=kd'kkldvDljvnwjn'khZgksrsgSaAifj.kkeLo:i]dbZyksdrkaf=kd:ilspquhxbZljdkjsanh?kZdkfydifj;kstukvksadsfy,çfrc¼gksusdsctk;dsoyvYidkfydykHkijè;kudsafærdjldrhgSa(Keefer]2007vkSjKeefervkSjVlaicu]2007ns•sa)Ablfy,]lkoZtfudoLrqvksadkçko/kutksvFkZO;oLFkkvkSjlektdsfy,nh?kZdkfydykHkmRiUudjrkgS],dyksdrkaf=kdjktuhfresa'kkludsçeq•igywdkçfrfuf/RodjrkgSA

ckWDl 2% vU; ns'kksa esa LokLF; ifj.kkeksa ij LokLF; chek dojst dk çHkko

gsYFkds;j,slsegRoiw.kZlkoZtfuddY;k.kdkçfrfuf/RodjrkgSAns'kLokLF;lsokdsçko/kuesavlekurkvksadksdedjusdsfy,lkoZHkkSfedLokLF;lsokdhuhfrdksrsthlsviukjgsgSatksfdvk;dhvlekurklsn`<+rklslacaf/rgSAHoffmanvkSjParadise(2008)usik;kfdla;qÙkQjkT;esaLokLF;chekdojst]xjhchvkSjLokLF;dschpetcwrlaca/gSaAMedicaidvkSjSCHIPdsçHkkodkfo'ys"k.kdjrsgq,]oscrkrsgSafdljdkj}kjkçnkudhtkusokyhLokLF;chekdojstcsgrjLokLF;ns•HkkyvkSjLokLF;ifj.kkeksadsfy,egRoiw.kZgSAbldsvykok]O;kidlkfgR;usvesfjdkesavf’kf{krgksusdsnq"çHkkoksadkgokyknsrsgq,LokLF;ns•HkkychekdslkoZtfudçko/kudsfy,ekeykcuk;kgSA

Ayanian et al.(2000)dkekuukgSfdcsfldfuokjdlsokvksatSlsLrudSaljLØhfuax(64»cuke89»)vkSjmPpjÙkQpkiLØhfuax(80»cuke94»)çkIrdjusdhlaHkkoukvlaØferdkedjusokyso;Ldksadsfy,cgqrdeFkhAblhçdkj]chfer2o;Ldksaesals40»usfiNys2o"kks±esafu;fer:ilspsdviugha


djk;kFkk]tcfdchfero;Ldksads185dhrqyukesaAvkxsAyanian et al.(2000)dkekuukgSfdcsfldfuokjdlsokvksatSlsLrudSaljLØhfuax(64»cuke89»)vkSjmPpjÙkQpkiLØhfuax(80»cuke94»)çkIrdjusdhlaHkkoukvlaØferdkedjusokyso;Ldksadsfy,cgqrdeFkhAblhçdkj]chfer2o;Ldksaesals40»usfiNys2o"kks±esafu;fer:ilspsdviughadjk;kFkk]tcfdchfero;Ldksads185dhrqyukesaAvkxsdsvè;;ulsirkpyrkgSfdftuO;fÙkQ;ksaesachekdojstdhdehgksrhgS]osudsoyns•Hkkydhdehdsdkj.kihfM+rgksrsgSa]cfYdLokLF;ds•jkcifj.kkeksa(Hoffman, Pradise(2008)dsekeysesaHkhcks>>syrsgSaASzilagyi P. et.al(2006)dkdgukgSfdvLFkeklsihfM+rdevk;oxZdscPpksadksftUgasSCHIPesau;kukekafdrfd;kx;kFkk]vLFkekdsgeyksadhdela[;k]vLirkyesaHkrhZgksusdhnjesadehvkSjukekadulsigyso"kZdhrqyukesaukekadudsckndso"kZesavkikrdkyhufoHkkxdhdela[;kA

bldsvykok]MedicaidvkSjCHIPtSlhljdkjhLokLF;lsokigyksadsdkj.kcPpksavkSjmudsifjokjksadsfy,mYys•uh;ykHkgqvkgS]mnkgj.kdsfy,]vko';dLokLF;lsok,a]csgrjLokLF;fLFkfrdsnh?kZdkfydykHk]vf/d'kSf{kdfodklvkSjmPpHkfo";dhdekbZA;sdk;ZØeLokLF;ns•HkkyesauLyh;vlekurkvksadksyf{krdjusesaHkhl{kejgsgSa]vÚhdhvesfjdhvkSjfgLiSfudcPpksaesa58»cPpsbudk;ZØeksadsrgrvkrsgSaAlkFkgh]vxjifjokjksadksbuchekdk;ZØeksa(MedicaidvkSjCHIP)rdigqapgS]rksfoÙkh;vlqj{kk]fpfdRlk½.k;kfnokfy;kiudhlaHkkoukdegkstkrhgSAblfy,]MedicaidvkSjCHIPdsrgrfpfdRlkchekdojstcPpsdh'kSf{kdçkfIrvkSjHkfo";dhdekbZesalq/kjdslkFk&lkFkvf/dfoÙkh;fLFkjrkdsfy,vuqefrnsrkgSAekrk&firkdkchekdojstcPpksadsykHkdslkFkldkjkRed:ilslglacaf/rgksrkgSD;ksafdcPpsdsLokLF;ijlh/smldsekrk&firkdsLokLF;dkçHkkoiM+rkgS]ftldslkFkLoLFkekrk&firkldkjkRedcpiudsfodkldhvksjvxzljgksrsgSaA

esfDldksesaSeguro Popular (yksdfç;lkoZtfudLokLF;chekdk;ZØe)dksviukuslsns'kHkjesachekdojstesacM+siSekusijo`f¼gqbZ]tksdqNo"kks±esadojst}kjknwljklclscM+kLokLF;laLFkkucux;k (Salomon and Villarreal (2016))A;gdk;ZØechferxjhcifjokjksadsvuqikresaik¡pxquko`f¼dhvuqefrnsrkgS](Frenk at al, 2006)Urquieta urhtru]fcukfdlhchekdojstdseSfDlduvkcknhdkvuqikr2015 (Doubova (2015))esa18»dejgkA

2001esa]FkkbZySaMlkoZHkkSfedLokLF;dojstlq/kjksadksis’kdjusokykigykfuEu&eè;vk;okykns'kcux;k]ftlusdevk;qokysifjokjksadsfy,iqjkuslk/uksadhtkapdhvkSjvf/dO;kidlg&Hkqxrkuchek;kstuk]ftls'30 Bhat Project'dgktkrkgS]dhtxgyhAtcfdbulq/kjksadhdkiQhgnrdvkykspukdhxbZFkh]oseq[;:ilsxzkeh.k{ks=kksaesaxjhcFkkbZyksxksadschpyksdfç;lkfcrgq,AviuhetcwrLokLF;ç.kkyhdsifj.kkeLo:i]2016esaekalscPpsesaHIVlapj.kdks•RedjusokykFkkbZySaMigyk,f'k;kbZns'kcux;kA(CNN 2016)

PM-JAY vkSj dksfoM&19

9-17dksfoM&19egkekjhdsfy,ns'kdhçfrfØ;kdksetcwrdjusdsfy,]HkkjrljdkjusvçSy2020esaPM-JAYdsrgrdksfoM&19dsfy,ijh{k.kvkSjmipkjmiyC/djkusdkfu.kZ;fy;kAfp=k32018ls'kq:gksusokysiwoZ&vf/Ñrnkoksadhek=kkesa#>kuçLrqrdjrkgSAA


fp=k 3 (d)% tqykbZ 2018&tuojh 2021 ls iwoZ&vf/Ñr nkoksa dh la[;k

lzksr%PMJAY lsçkIr NHAMsVk-tuojh2021dkMsVk13&tuojh&2021rdgSA

9-17nkseq[;rF;è;kunsus;ksX;gSaAlclsigys]tSlkfdgeusigysppkZdh]Mk;fyfllPM-JAY dsrgrçkIr,dlkekU;çfØ;kgSAbldkmi;ksxdksfoM&19dh'kq#vkresa;kykWdMkmu(ekpZ&vçSy2020)dsnkSjkudeughagqvk]Hkysghgemlhvof/esalexzlkekU;fpfdRlkJs.khdsrgrnkoksaesafxjkoVdkfujh{k.kdjldrsgSaA;gmi;ksxdrkZvksadhPM-JAY;kthouj{kdMk;fyfllçfØ;kijfuHkZjrkijçdk'kMkyrkgSAblçdkj]dksfoM&19egkekjhdsnkSjkuMk;fyflltSlsegRoiw.kZ]thouj{kdLokLF;çfØ;kvksadksxaHkhj:ilsçHkkforughafd;kx;kgSAfp=k&3tqykbZ2018ls'kq:djrsgq,iwoZvf/Ñrnkoksadhla[;kdhizo`fÙkdksn'kkZrkgSA

9-18nwljk]Mk;fyflldsnkoksadhla[;kdsoyc<+rhjghgSA;grF;mtkxjdjrkgSfdjk"Vªh;Mk;fyfllfe'kudksPM-JAYesafoy;fd;ktkldrkgSA

9-19rhljk]tcfdykWdMkmudsnkSjku fpfdRlklsokvksardigqapdksvko';dlsokvksads:iesaoxhZÑrfd;kx;kFkk]ykWdMkmudsnkSjkuns•Hkkydjusokysoh&vkdkjdsO;ogkjdkçn'kZudjrsgSavkSj20fnlacjesaiwoZdksfoM&19dsLrjrdigqapusdslkFkpj.kksadksvuykWddjrsgSaAoh&vkdkjdkO;ogkjekaxvkSjvkiwfrZnksuksanq"çHkkoksadsdkj.kgksusdhlaHkkoukgSAvkiwfrZi{kij]LokLF;ns•HkkyJfedksauslaØe.kdsçkjafHkdHk;lslsokvksaesadVkSrhdhgksldrhgS;k;glaHkogSfdiwoZ&çkf/dj.kçfØ;kvksadksNksM+fn;kx;kgksAekaxi{kij]ok;jldsvuqca/dsMjlsejhtvLirkyksalscprsFks];kykWdMkmudsnkSjkuifjogu;kfoÙkdhdehdsdkj.kfpfdRlklsokvksardmudhigqapckf/rgksldrhFkhAvuykWdpj.kdsnkSjkuekaxvkSjvkiwfrZnksuksai{kiwjhrjglsBhdgksx,gSaAblosQvykok]futhvLirkyksaesamipkjljdkjhlwphc¼LokLF;iznkrkvksa(bZ,plhih)lscgqrcsgrjgksrsgSaA

fp=k 3 ([k)% iwoZ&vf/Ñr nkoksa dh jkf'k vkSj 10]000 #i;s dh iwoZ&vf/Ñr jkf'k ds chp varjCostly procedures are preferred early into the adoption of PM-JAY; COVID recovery being led by non costly procedures

0

50,000

1,00,000

1,50,000

2,00,000

2,50,000

3,00,000

3,50,000

4,00,000

4,50,000

5,00,000

5,50,000

6,00,000

Sep-19 Mar-20 Nov-19 Sep-18 Jan-20 May-20 Sep-20 May-19 Jul-20 Mar-19 Jan-19 Nov-20 Nov-18 Jan-21 Jul-18 Jul-19

Num

ber

of P

re-a

utho

rize

d cl

aim

s/m

onth

Number of of Procedures with pre-auth amount >2500 INR Number of of Procedures with pre-auth amount <2500 INR

COVID Recovery being led by non costly procedures



9-20vxyk]fp=k&3[kiwoZ&vf/d`rnkeksadhjkf'ktksfd<2500vkbZ,uvkjrFkk>2500vkbZ,uvkjgS]fdek=kkdschpdsvarjdksn'kkZrkgSA

9-21dksfoM&19lsigys<2500dsnkeksadhiwoZ&vf/drjkf'k]egRoiw.kZ:ils>2500vkbZ,uvkjdsnkoksadhiwoZ&vf/drjkf'klsdkiQhvf/dFkhA;gvarjdksfoM&19egkekjhlsmRiUufodfr;ksard]ih,e&ts,okbZdksviukusdspØesaegaxhizfØ;kvksarFkkrrh;dns[kHkkydhetcwrojh;rkdkslq>krkgSAdksfoM&19dhegkekjhdsckn]iwoZ&vf/drnkoksadhla[;kdslkFkblizofÙkdksmyVfn;kgS]tks>2500vkbZ,uvkjiwoZ&vf/drnkoksadhla[;k>2500vkbZ,uvkjlsvf/dgS;glLrhizfØ;kvksadsfy,ih,e&ts,okbZdsmi;ksxesac<+ksrjhrFkkih,e&ts,okbZdksizkFkfedns[kHkkydsfy,fodYids:iesami;ksxdjusdkHkhladsrnsrsgSaA

PM-JAY vkSj LokLF; ifj.kke% fHkUurk esa fHkUurk ifjdyu

9-22 bl•aMesage;girkyxkrsgSafdD;kPM-JAY;kstukdkmi;ksxLokLF;ifj.kkeksaijdksbZegRoiw.kZçHkkoMkyrkgSAgeblfo'ys"k.kdksdjusdsfy,jk"Vªh;ifjokjLokLF;loZs{k.k&4(NFHS2015&16)vkSjjk"Vªh;ifjokjLokLF;loZs{k.k5(NFHS2019&20)}kjkekikLokLF;ladsrdksadhrqyukdjrsgSaAtSlkfdPM-JAYdksekpZ2018esaykxwfd;kx;kFkk];snksuksaloZs{k.kNFHS-5dkmi;ksxdjdsifjorZuksadhrqyukdjusdsfy,vk/kjHkwrds:iesadk;ZdjusokysNFHS-4dslkFkPM-JAYdsçHkkodkvkdyudjusdsfy,MsVkçnkudjrsgSaAns'kHkjesaLokLF;ladsrdksaesa/eZfujis{klq/kjksardlhferughagS]ysfdufofHkUuHkzkeddkjdksadsçHkkodksdedjusdsfy,]gefHkUurk&esa&fHkUurkdkvkdyudjdsblfo'ys"k.kdkdk;ZdjrsgSaA2018&19vkSj2019&20dsvkfFkZdloZs{k.kksausblrduhddsvFkZferh;ykHkksadhppkZfofHkUuHkzkeddkjdksadksè;kuesaj•rsgq,dhgSvkSjblçdkjifj.kkeksaijuhfrxrifjorZudsdkj.kdsçHkkodkvkdyufd;kgSAgerduhdhfooj.kksadsfy,ikBdksadksbuloZs{k.kksadsfy,lanfHkZrdjrsgSaAla{ksiesa]gePM-JAYdksykxwdjusokysjkT;ksa;klewgdsifj.kkeksadsfy,igys&ckndsvarjdkvuqekuyxkrsgSavkSjjkT;;kjkT;ksadslewgesaigys&ckndsvarjdhrqyukdjrsgSatksPM-JAYdksykxwughadjrsgSaAmÙkjk¼ZfHkUurkdkmaVj&rF;kReddsfy,,dvuqekuçnkudjrkgS%jkT;;kjkT;ksadslewgdsfy,ifj.kkeksaesaigys&ckndkfHkUurkD;kgksrktksfdPM-JAYdksykxwughadjrsFksAblçdkj]ckndsfHkUurkdslkFkiwoZfHkUurkdhrqyukdjds]gePM-JAYdsdkj.kçHkkodsfHkUurk&esa&fHkUurkdsvuqekudks;Fkksfprfo'ks"krknsldrsgSaA

9-23geblfo'ys"k.kdksnksHkkxksaesadjrsgSaAigysHkkxesa]geif'pecaxkydkmi;ksxmljkT;ds:iesadjrsgSaftlusPM-JAYdksykxwughafd;kFkkvkSjviusiM+kslhjkT;ksaesaLokLF;ifj.kkeksaesaigys&ckndsfHkUurkdhrqyukdhgS]ftUgksausPM-JAY&fcgkj]flfDdevkSjvledksykxwfd;kgSAbulHkhjkT;ksadsvykok,d&nwljsdsfy,lfUufgrgksusvkSjblfy,lkekftd&vkfFkZdvk;keksaijlekugksusdsckotwn]gefn•krsgSafdbunksjkT;ksadsvk/kjHkwry{k.klekuFksA

9-24nwljsHkkxesa]gemulHkhjkT;ksadsfy,lekufo'ys"k.knksgjkrsgSa]ftUgksausPM-JAYdksykxwfd;kFkkvkSjokslHkhjkT;ksaftUgksausPM-JAYykxwughafd;kFkkAcs'kd]ns'kesajkT;ksadsiwjslewgesafofo/rkcM+hgSAnwljkfo'ys"k.krqyukRed:ilsigysdhrqyuklsdegSAbunksuksarqyukvksalsfu"d"kks±dkla;kstu;glqfuf'prdjrkgSfdfu"d"kZudsoy,dvf/dLFkkuh;Ñrdsfy,etcwrgSa]vkSjblfy,]vf/dlko/kurqyuk]ysfdu;gHkhfdns'kdslHkhçeq•jkT;ksardiQSykgqvkgSA


fp=k&4 if'pe caxky cuke mlds iM+kslh jkT; (fcgkj] flfDde] vle)

9-25geigyhckjif'pecaxkydhrqyukNFHS 4vkSjNFHS 5dsle;esaçeq•tulkaf[;dh;vkSj?kjsywfo'ks"krkvksaesaviusiM+ksfl;ksalsdjrsgSaAfp=k4blrqyukdksçLrqrdjrkgSA

fp=k 4% tula[;k vkSj ?kjsyw #>ku% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)

lzksr%jk"Vªh;ifjokjLokLF;loZs{k.k(NFHS)4vkSj5

9-26if'pecaxky]fcgkj]vlevkSjflfDdelekutulkaf[;dh;fo'ks"krkvksadkslk>kdjrsgSaAtUedsle;lsDlvuqikresa,dek=kmYys•uh;fHkUurklkeusvkrhgSAtcfdif'pecaxkyvkSjiM+kslhrhujkT;ksaesablekspZsijlq/kjgqvkgS]if'pecaxkydhrqyukesaiM+ksfl;ksadsfy,o`f¼vf/dFkhA,u,p,iQ,l4lsNHFS 5rd]if'pecaxkyesatUedsle;fyaxkuqikresa1-35izfr'krdklq/kjgqvk]tcfdrhuiM+ksfl;ksadsfy,blhlq/kjesa6-28izfr'krdho`f¼gqbZAvU;fo'ks"krkvksaesa]fp=k5lsirkpyrkgSfdlHkhpkjjkT;ksaesa10;kvf/do"kks±dhLdwyhf’k{kkokyhefgykvksadhla[;kesao`f¼gqbZgS]tcfdif'pecaxkyesao`f¼24izfr'krFkhAfcgkj]vlevkSjflfDdeesa20izfr'krgSAbldsfoijhr]tcfdlHkhpkjjkT;ksaesa10;kvf/do"kks±dsLdwyhf'k{kkokysiq#"kksadhla[;kesao`f¼gqbZgS]if'pecaxkyesao`f¼fcgkj]vlevkSjflfDdeesa10izfr'krlsde3izfr'krFkhA

fp=k 5% o;Ldksa dh fo'ks"krk,¡ (15&49 o"kZ)% if'pe caxky cuke vkl&ikl ds jkT; (fcgkj] flfDde] vle)



9-27egRoiw.kZckr;sgSfdfcgkj]vlevkSjflfDdeesaNHFS 4lsNHFS 5rdtula[;kdkvuqikrc<+dj89izfr'krgksx;kAif'pecaxkyesa;gifjorZu&12izfr'krFkkAtSlkfdPM-JAY2018esa'kq:fd;kx;kFkkvkSjNHFS 4vkSjNHFS 5Øe'k%iwoZvkSjckndsPM-JAYvof/dksdojdjrsgSa]fcgkj]vlevkSjflfDdeesaLokLF;chekdojstesamYys•uh;o`f¼dksPM-JAYdsçHkkodsfy,ftEesnkjBgjk;ktkldrkgSA

9-28fp=k6if'pecaxkyesabldsfudVorhZjkT;ksa(fcgkj]vlevkSjflfDde)lsrqyukdjrkgSAegRoiw.kZfHkUurk;gk¡mHkjdjvkrhgSAtcfdf'k'kqvkSjckye`R;qnjlHkhjkT;ksadsfy,degksx,]fxjkoVmujkT;ksadsfy,rstgksxbZgSftUgksausPM-JAYykxwfd;kgSAtcfdif'pecaxkydsfy,f'k'kqe`R;qnjesa20izfr'krdhfxjkoVvkbZgS]rhuksaiM+ksfl;ksadsfy,fxjkoV28izfr'krlsvf/dFkhAblhrjg]tcfdcaxkyusviusvaMj&5e`R;qnjesa20izfr'krdhfxjkoVns•h]iM+ksfl;ksaus27izfr'krdhdehns•hAuotkre`R;qnjesadehpkjjkT;ksadsfy,lekuFkh%if'pecaxkydsfy,30izfr'krvkSjrhuiM+ksfl;ksadsfy,ekewyh31izfr'krA

fp=k 6% f'k'kq vkSj cky e`R;q nj (çfr 1]000 thfor tUe)% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)


9-29tSlkfdfp=k7esans•kx;kgS]lHkhpkjjkT;ksaesadelsde,difjokjfu;kstui¼frdkmi;ksxc<+kgSAgkykafd]ckye`R;qnjdsekeysesageustksns•k]mldslekugh]mujkT;ksaesao`f¼vf/djghgSftUgksausPM-JAYdksviuk;kgSAxHkZfujks/ddsvk/qfudrjhdksaesa36izfr'krdho`f¼gqbZ]efgykulcanhesa22izfr'kr]xksyhdsmi;ksxesa28izfr'krvkSjdaMkseesa104izfr'krdho`f¼gqbZgS]tcfd3iM+kslhjkT;ksaesa]tcfdif'pecaxkydsfy,lacaf/rvkadM+s6izfr'kr]~0izfr'krgSaA]~0izfr'krvkSjdsoy19izfr'krA


fp=k 7% ifjokj fu;kstu ds rjhdksa dk orZeku mi;ksx (orZeku esa 15&49 o"kZ dh fookfgr efgyk,¡)% if'pe caxky cuke vkl&ikl ds jkT; (fcgkj] flfDde] vle)


fp=k 8% ifjokj fu;kstu dh vliQy vko';drk (orZeku esa fookfgr efgykvksa dh mez 15&49 o"kZ)% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)


9-30mijksÙkQfu”d”kZfp=k8lsfVIif.k;ksa}kjklefFkZrgSaAifjokjfu;kstudsrjhdksadhdqyvko';drkdksif'pecaxkydhrqyukesaPM-JAYdslkFkjkT;ksaesadkiQhfxjkoVfn•kbZnsrhgSAgkykafdif'pecaxkyusyxkrkjcPpksadschpvarjdhvko';drkesadksbZegRoiw.kZfxjkoVughans•h]ysfdugekjsfo'ys"k.kesaiM+kslhrhujkT;ksaus37izfr'krdhHkkjhfxjkoVntZdhA


fp=k 9% ifjokj fu;kstu lsokvksa dh xq.koÙkk% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)


9-31mijksÙkQ ifj.kkeksadslkFk feydj]lHkhpkj jkT;ksa esa ifjokj fu;kstulsokvksadhxq.koÙkk esalq/kjgqvkgS(fp=k9)APM-JAYykxwdjusokysjkT;ksaesafiQjlsçHkkovf/deglwlfd;kx;kgSALokLF;fu;kstudk;ZdrkZvksa}kjkifjokjfu;kstudsckjsesacrk;kx;kçfr’krif'pecaxkydhrqyukesaiM+kslhjkT;ksaesafujis{k:ilsvf/dgS]gkykafdfupysvk/kjlslq/kjif'pecaxkyesarhujkT;ksadhrqyukesa42izfr'krvf/dFkk]tgkalq/kj24izfr'krFkkAbldsvykok]orZekumi;ksxdrkZvksadkçfr'kr]tksorZekui¼frdsnq"çHkkoksadsckjsesalwfprfd;kx;kFkk]osiM+kslhjkT;ksaesaudsoyfujis{k:ilsiksLVNHFS 5esa22izfr'krdho`f¼gSa]if'pecaxkyesa8izfr'krgSA

9-32vkxs]geekr`vkSjckyLokLF;ijçHkkodsvarjdksns•rsgSaAfp=k10pkjjkT;ksaesadksbZcM+klq/kjvkSjvarjughafn•krkgSAmuefgykvksadhmPpçfr'kr]ftudkvafretUelHkhpkjjkT;ksaesauotkrVsVuldsf•ykiQlqjf{krFkk]etcwrçfrj{kkvolajpukdkladsrgSA

fp=k 10% ekr` ,oa f'k'kq LokLF;% if'pe caxky cuke vkl&ikl ds jkT; (fcgkj] flfDde] vle)



fp=k 11% ekr` ,oa f'k'kq LokLF;


9-33fp=k11lsirkpyrkgSfdiathÑrxHkZ/kj.kesao`f¼]ftldsfy,ek¡dksenjpkbYMçksVsD'kudkMZfeyk]if'pecaxkyosQ,dizfr'kr(1izfr'kr)dhrqyukesafcgkj]vlevkSjflfDdeesaekewyh:ils3izfr'krvf/dFkkAblhçdkj]gemuefgykvksadsvuqikresalekuifjorZuikrsgSaftUgksauspkjjkT;ksaesaçlodsnksfnuksadsHkhrjLokLF;ns•HkkydfeZ;ksalsçlodscknns•HkkyçkIrdhAPM-JAYdslkFkrhuiM+kslhjkT;ksaesaif'pecaxkydhrqyukesa11izfr'krijekr`vkSjckyns•Hkkylsokvksadk13izfr'krlsFkksM+kvf/dmi;ksxns•kx;kA

fp=k 12% çlo ns•Hkky (loZs{k.k ls igys 5 o"kks± esa tUe ds fy,)% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)


9-34fp=k12dsvuqlkj]lHkhpkjjkT;ksaesalaLFkkxrtUeksadkçfr'krc<+kgSAgkyk¡fd]if'pecaxkyesa;go`f¼22izfr'krijcM+hjghgS]tciM+kslhjkT;ksadhrqyukesa11izfr'krtUeksadsçfr'kresadq'kydfeZ;ksausHkkxfy;k]if'pecaxkyesa15izfr'krvkSjiM+kslhjkT;ksads8izfr'kresavf/do`f¼


gqbZAtgka,dlkoZtfudlqfo/kesalaLFkkxrtUeksadkvuqikrif'pecaxkyesa11»c<+k]ogharhuksajkT;ksadkvkadM+k28»FkkAtcfdlhtsfj;ulsD'kudsekè;elsforfjr,dfuthLokLF;lqfo/kesatUedkfgLlkfuthvkSjlkoZtfud{ks=kdsnksuksaçnkrkvksadsfy,c<+k]lkoZtfudLokLF;lqfo/kvksadsfy,o`f¼vf/djghgSAlhtsfj;ulsD'kudsekè;elstUedsfy,lkoZtfudLokLF;lsokdsmi;ksxesa;go`f¼if'pecaxkyesaPM-JAYcukejkT;ksaesaHkhvf/djghgSAfcgkj]vle]flfDdeesafupysvk/kjls46»dhÅapho`f¼ntZdhxbZtcfdif'pecaxkyesa;go`f¼21»FkhysfdumPpvk/kjlsAblçdkjPM-JAYusbujkT;ksaesaukxfjdksadkslkoZtfudLokLF;lsokdscqfu;knh<kapsdkvf/dlsvf/dmi;ksxdjusesal{kecuk;kgSA

9-35fcgkj]flfDdevkSjvleesaPM-JAYdksviukuslscPpsdsVhdkdj.kvkSjfoVkfeu&,iwjdrklslacaf/rLokLF;ifj.kkeksaesamYys•uh;çxfrgqbZA;|filHkhpkjjkT;ksaesalq/kjgqvkFkk]ysfdufcgkj]flfDdevkSjvleesaifjek.kvf/dFkkAmnkgj.kdsfy,]12&23eghusdhvk;qdscPpksadkvuqikrftUgksauschlhthoSDlhuçkIrfd;kgS]if'pecaxkyesa1»dho`f¼gqbZgS]tcfdvklikldsjkT;ksaesa4»dho`f¼gqbZgS_12&23ekgdhvk;qdscPpksadsvuqikresa]mUgsarhuçdkjdhisaVk;kgsisVkbfVlchdhoSDlhufeyhgS]if'pecaxkyesa5»rdo`f¼gqbZgS]vklikldsjkT;ksaesa19»o`f¼gqbZgSA,dek=kladsrdtks•jkcgksx;kFkk]9&35eghusdsvk;qoxZdscPpksadkvuqikrFkk]ftUgksausfiNys6eghuksaesafoVkfeu&,dh•qjkdçkIrdh]gkykafdif'pecaxkyesafxjkoVrstFkh(&6»)fudVorhZjkT;ksa(&2»)(fp=k13)A

fp=k 13% cky Vhdkdj.k vkSj foVkfeu , vuqiwjd% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)


9-365lkylsdemezdscPpksadscpiudhchekfj;ksadsbyktdsfy,vkadM+sPM-JAYdksviukusdsckotwnlHkhpkjjkT;ksaesalq/kjdklq>konsrsgSaAgkyk¡fd]vkl&ikldsjkT;ksa(fcgkj]flfDde]vle)usif'pecaxkydhrqyukesavf/dlq/kjntZfd,Atcfd2lIrkgesanLrokyscPpksadkvuqikrif'pecaxkyesa16»rdekSf•diqutZyhdj.kyo.k(ORS)çkIrdjusokysloZs{k.klsigysFkk];gvkl&ikldsjkT;ksaesa31»dho`f¼gqbZ]yxHkxnksxqukc<+x;kAblhrjg]LokLF;lqfo/k;kLokLF;çnkrkdsfy,fd,x,loZs{k.klsigys2lIrkgesanLrdslkFkcPpksadsvuqikresaif'pecaxkyesaux.;lq/kjfn•kbZfn;k]ftlesavkl&ikldsjkT;ksa(14fp=k)esa10izfr'krdho`f¼gqbZgSA


fp=k 14% cpiu ds jksxksa dk mipkj (5 o"kZ ls de vk;q ds cPps)% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)


9-37,pvkbZoh@,M~ldsckjsesaKkuvkSjtkx:drkdsçlkjijPM-JAYdksviukusdsfufgrkFkks±dkfo'ys"k.kdjrsgq,]geikrsgSafdmuefgykvksadsvuqikresatks,pvkbZoh@,M~ldsckjsesaO;kidKkuj•rsgSa]PM-JAYdksviukusokysrhujkT;ksaesadkiQhc<+x,gSa(fcgkj]flfDde]vle)]if'pecaxkyesavuqikresa1»dhfxjkoVvkbZ]ftlusPM-JAYdksughaviuk;kAiq#"kksadsfy,lekuladsrduslHkhpkjjkT;ksaesafxjkoVntZdh]gkykafdif'pecaxky(&40»)esafxjkoVvU;rhujkT;ksa(&19»)(fcgkj]flfDde]vle)dhrqyukesacgqrrstFkhA;fngeiq#"kksavkSjefgykvksadsvuqikrijfopkjdjsatkstkursgSafdyxkrkjdaMksedkmi;ksx,pvkbZoh@,M~lgksusdhlaHkkoukdksdedjldrkgS]rksjkT;ksadschpfHkUurkvkSjHkhrstgSaAmnkgj.kdsfy,]if'pecaxkyesarhujkT;ksaesa43»dhrsto`f¼dhrqyukesaefgykvksadsvuqikresa12»dho`f¼gqbZAiq#"kksadsfy,lekuvkadM+sfcgkj]flfDdevkSjvle(fp=k15)esa18»dho`f¼dsfoijhrif'pecaxkyesa12»dhfxjkoVdkladsrnsrsgSaA

fp=k 15% o;Ldksa ds chp ,pvkbZoh@,M~l dk Kku (mez 15&49 o"kZ)% if'pe caxky cuke vklikl ds jkT; (fcgkj] flfDde] vle)



9-38if'pecaxkyesaLokLF;ifj.kkeksadhrqyukdjusij]tksrhuiM+kslhjkT;ksafcgkj]flfDdevkSjvleesaifj.kkeksadslkFkPM-JAYdksughaviuk;k&dqNegRoiw.kZvarjlkeusvkrsgSaAgkykafdpkjjkT;mudhtulkaf[;dhvkSj?kjsywfo'ks"krkvksadsekeysesacgqrvyxughagSa]ih,e&ts,okbZokysjkT;ksaesadqNekr`vkSjckylaca/hLokLF;ifj.kkeksaesalq/kjdkvarjvf/djgkgSAblsPM-JAYdsçHkkodsfy,ftEesnkjBgjk;ktkldrkgStks2018esaykxwfd;kx;kFkkAdqNLokLF;chekokysyksxiM+kslhjkT;ksaesa2015&16ls2019&20rd89»rdmNyx,]tcfdif'pecaxkyesablvuqikresa12»dhfxjkoVvkbZAf'k'kqe`R;qnjvkSjvaMj&5e`R;qnjiM+kslhjkT;ksaesaif'pecaxkydhrqyukesarstfxjkoVns•hxbZftUgksausPM-JAYdksykxwfd;k]if'pecaxkyusblsykxwughafd;kAifjokjfu;kstudsrjhdksadsekspZsijldkjkRedfodklHkhbujkT;ksadsfy,vf/dFksAfcgkj]vle]flfDdeesaifjokjfu;kstulsokvksadhvçR;kf'krt:jrksaesarsthlsfxjkoVvkbZgS]tksPM-JAYdsrgrçkFkfedns•HkkydsçHkkohforj.kdkladsrnsrkgSA

9-39LokLF;lsokvksadsforj.kesaHkhvarjns•kx;kAtcfdifjokjfu;kstufodYiksavkSjnq"çHkkoksadsckjsesalHkhyksxksadksvoxrdjk;kx;kFkk]ysfduPM-JAYdsrgrrhuksajkT;ksaesalq/kjvf/dFkkAlhtsfj;ufMyhojhdsfy,lkoZtfudLokLF;ns•Hkkydscqfu;knh<kapsdkmi;ksxHkhbujkT;ksaesavf/dFkk]tksvkcknhds,dmPpoxZdksbafxrdjrkFkkfdvcbulsokvksardigqapgSAburhujkT;ksaesackyVhdkdj.kvkSjfoVkfeuiwjdrk]nLrtSlhcpiudhchekfj;ksadsmipkjdslkFk&lkFkfo'ks"k:ilsefgyko;Ldksadschp,pvkbZoh@,M~ldsckjsesatkx:drkesaHkhdkiQhlq/kjns•kx;kAPM-JAYdhrqyukesagesavf/dLokLF;tkx:drk]LokLF;lsokvksadhcsgrjfMyhojhvkSjekr`,oaf'k'kqns•Hkkyifj.kkeksaesalq/kjdhlaHkkoukgSA

PM-JAY dks viukus okys vkSj ugha viukus okys lHkh jkT;ksa dh rwyuk

9-40 fiNysHkkxesaHkkSxksfyd:ilslehiorhZjkT;ksaesaLokLF;ifj.kkeksaijPM-JAYdsçHkkodhtkapdjusdsckn]geusvcmujkT;ksadschpfHkUurkdhrqyukmulHkhjkT;ksaftUgksausPM-JAYykxwfd;kgSvkSjftUgksausPM-JAYykxwughafd;kgSA

9-41NFHS 4vkSjNFHS 5esatula[;kvkSj?kjsywçksiQkbydsfo'ys"k.klsirkpyrkgSfdfofHkUufo'ks"krkvksaesalq/kjmujkT;ksaesalekuFkk]ftUgksausPM-JAYykxwfd;kFkkcukeftUgksausPM-JAYdksykxwughafd;kFkk(fp=k16)A

fp=k 16% tula[;k vkSj ?kjsyw çksiQkby% lHkh jkT;



9-42xaHkhj:ils]tcfdLokLF;chek;kfoÙkiks"k.k;kstukdsrgrdojfd,x,fdlhHkhlkekU;lnL;okysifjokjksadkvuqikrPM-JAYdksviukusokysjkT;ksaesaNFHS 4lsNFHS 5rd54»rdc<+x;k];gmujkT;ksaesa10»degksx;kftUgksausPM-JAYdksughaviuk;kFkkALokLF;chekdojst(fp=k17)dksc<+kusesaPM-JAYdhliQyrkdksn'kkZrkgSA

fp=k 17% LokLF; chek@foÙkiks"k.k ;kstuk (») ds rgr doj fd, x, fdlh Hkh lkekU; lnL; okys ?kj% lHkh jkT;


9-43o;Ldksadhfo'ks"krkvksadschp]10;kvf/do"kks±dsLdwyhf'k{kkokysnksuksaefgykvksavkSjiq#"kksadkvkSlrvuqikrjkT;ksadsnkslewgksa(fp=k18)esaleku:ilslq/kjgqvkgSA

fp=k 18% o;Ldksa dh fo'ks"krk,¡ (vk;q 15&49 o"kZ)% lHkh jkT;


9-44PM-JAYusHkkjrh;jkT;ksadksdef'k'kqvkSjckye`R;qnj(fp=k19)çkIrdjusesaenndhgSAuotkre`R;qnj(NNMR)usmujkT;ksaesa22»dhfxjkoVntZdhgS]ftUgksausPM-JAYdksviuk;k


gSAPM-JAYviukusokysjkT;ksadhrqyukesaPM-JAYdksuviukusokysjkT;ksaesa16»dhfxjkoVntZdhgSAblhçdkj]f'k'kqe`R;qnj(IMR)esadehØe'k%PM-JAYvkSjxSj&PM-JAYjkT;ksaesa20»ds:&c:12»Fkh]PM-JAYdksviukusokysjkT;ksadsfy,8»dho`f¼Fkh]cukeftUgksausughaviuk;kAtcfdvaMj&ik¡pe`R;qnj(U5MR)usPM-JAYjkT;ksaesa19»dhfxjkoVntZdh]xSj&PM-JAYjkT;ksaesa;g14»degksxbZ]PM-JAYdksviukusokysjkT;ksadsfy,5»dho`f¼]cukemujkT;ksaftUgksausughaviuk;kA

fp=k 19% f'k'kq vkSj cky e`R;q nj (çfr 1]000 thfor tUe)% lHkh jkT;


9-45vyx&vyxifjokjfu;kstumik;ksadsmi;ksxdsvkadM+scrkrsgSafdPM-JAY usHkkjrh;jkT;ksaesaifjokjfu;kstudhc<+rhigqapdksl{kefd;kgSAtcfdnksloZs{k.kksadschplHkhjkT;ksaesaifjokjfu;kstulqfuf'prdjusokysyksxksadsvuqikresao`f¼gqbZgS]ih,e&ts,okbZdksviukusokysjkT;ksaesabldhçHkko'khyrkesacgqrvf/do`f¼gqbZgSAmnkgj.kdsfy,_orZekuesaih,e&ts,okbZokysjkT;ksaesaifjokjfu;kstudhfdlhHkhi¼frdkmi;ksxdjusokysyksxksadsvuqikresa15»dho`f¼gqbZgSvkSjvU;jkT;ksa(fp=k20)esadsoy7»(vk/slsHkhde)dho`f¼gqbZgSA

9-46bldsvykok]PM-JAYus15&49o”kZdsvk;qoxZesaorZekuesafookfgrefgykvksadsfy,ifjokjfu;kstudhvko';drkesamYys•uh;dehdhiqf"VdhgSAtcfddqyfcukifjokjfu;kstudht:jrokyhefgykvksadkvuqikrvFkkZrçtuuvkSjLFkfxrdjusdhbPNkj•usokyhefgykvksadsvuqikr;kcPpsdstUedksLFkfxrdjuk]ysfduorZekuesaPM-JAYjkT;ksaesaxHkZfujks/ddhfdlhHkhfof/dkmi;ksx31»rddegqvkgSAxSj&PM-JAYjkT;ksaesadsoy10»FkkAblhrjg]efgykvksadsfy,vuqikresavarjj•usdhvko';drkgksrhgS];kuh,slhefgyk,atksPM-JAYjkT;ksaesa31»rddegkstkrhgSavkSjxSj&PM-JAYjkT;ksaesadsoy15»}kjkviukvxyktUeLFkfxrdjukpkgrhgSaA(fp=k21)A


fp=k 20% ifjokj fu;kstu ds rjhdksa dk orZeku mi;ksx (orZeku esa 15&49 o"kZ dh fookfgr efgyk,¡)% lHkh jkT;


fp=k 21% ifjokj fu;kstu dh vko';drk dh iwfrZ ugha dh (orZeku esa fookfgr efgykvksa dh mez 15&49 o"kZ)% lHkh jkT;


9-47tgkardekr`,oaf'k'kqLokLF;ijPM-JAYdsçHkkodklokygS]fofHkUuladsrdksaesaykHkdkiQhfHkUugksrkgSAtcfdPM-JAYdksviukusokysjkT;ksaesa,u,iQ,p,lloZs{k.kksaesa,u,iQ,p,lloZs{k.kksadschpdelsdepkjçloiwoZns•Hkky;k=kkvksa(»)dhekrkvksadkvuqikr fLFkjjgk]xSj&çHkko'khyrkdklq>konsrsgq,xSj&PM-JAYjkT;ksadschpvuqikr3»?kVx;kA;kstukdkAbldsvykok]muekrkvksadkvuqikrftudsfiNystUeesauotkrVsVuldsf•ykiQlqj{kkdhxbZFkh]nksuksaloZs{k.kksa(fp=kk22,)dschpxSj&PM-JAYjkT;ksaesafLFkjjgusdsnkSjkuPM-JAYjkT;ksaesadsoy2»dho`f¼gqbZAbldsfoijhr]iathÑrxHkZ/kj.kokyhefgykvksadkvuqikrftudsfy,mUgsaenj,aM


pkbYMçksVsD'ku(MCP)dkMZçkIrgqvk]xSj&PM-JAYjkT;ksaesa5»dhrqyukesaPM-JAYjkT;ksaesa7»dho`f¼ntZdhxbZAçlodsnksfnuksadsHkhrjçloksÙkjns•HkkyçkIrdjusokyhekrkvksadkçfr’krPM-JAYesa15»dho`f¼gqbZgS]xSj&ih,e&ts,okbZjkT;ksaesadsoy9»dho`f¼gqbZgS]dsldkjkRedçHkkodksn'kkZrkgSekr`LokLF;ijPM-JAY(fp=k22ch)A

fp=k 22 d% ekr` vkSj cky LokLF;% lHkh jkT;


fp=k 22 [k% ekr` vkSj cky LokLF;% lHkh jkT;


9-48loZs{k.klsigys5o"kks±esatUedsfy,çlodhns•Hkkydksè;kuesaj•rsgq,]geikrsgSafdPM-JAYvf/dmi;ksxhughagSAlaLFkkxrtUeksa]lkoZtfudlqfo/kesalaLFkkxrtUeksa]vkSjx`gtUeksadsfy,çlons•Hkkyladsrdksaesalq/kjmujkT;ksaesacgqrvf/dgS]ftUgksausPM-JAYdksughaviuk;kAtcfdlhtsfj;uçloesalexzo`f¼gqbZgS]xSj&PM-JAYjkT;ksadhrqyukesaPM-JAYjkT;ksaesaçfr'kro`f¼vf/dgS]futhLokLF;lqfo/kvksa(fp=k23)esalhtsfj;uçlodksjksdrsgSaA


fp=k 23% forj.k ns•Hkky (loZs{k.k ls igys 5 o"kks± esa tUe ds fy,)% lHkh jkT;


9-49cPpsdsVhdkdj.klslacaf/rLokLF;ifj.kkevkSjfoVkfeu&,dhiwjdrkesamYys•uh;:ilsmujkT;ksaesalq/kjgqvkgSftUgksausmujkT;ksadhrqyukesaPM-JAYdksviuk;kFkkftUgksausPM-JAYdksughaviuk;kFkkAmnkgj.kdsfy,%12&23eghusdsvk;qoxZdscPpksadkvuqikrftUgksausxSj&PM-JAYjkT;ksaesa1»dhfxjkoVdhrqyukesaPM-JAYjkT;ksaesachlhthesa5»dho`f¼dhgSAblhrjg]9&35eghusdsvk;qoxZdscPpksadkvuqikr]ftUgksausfiNys6eghuksaesafoVkfeu,dh•qjkdçkIrdh]xSj&PM-JAYesa8»dhdehdhrqyukesaPM-JAYjkT;ksaesa5»c<+h(fp=k24)A

fp=k 24% cky Vhdkdj.k vkSj foVkfeu&, vuqiwjd% lHkh jkT;


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