Empowering the Future: Unveiling the Sukanya Samriddhi Yojana in India Essay

Introduction:

Sukanya Samriddhi Yojana (SSY) stands as a beacon of financial empowerment for the girl child in India, reflecting the government's commitment to fostering gender equality and securing the future of its young female population. 

Launched as part of the "Beti Bachao, Beti Padhao" initiative, this savings scheme has emerged as a powerful tool to address socio-economic challenges and empower families to invest in the education and well-being of their daughters. 

This essay delves into the comprehensive understanding of the Sukanya Samriddhi Yojana, elucidating its objectives, features, and the step-by-step process for availing of this transformative policy introduced by the Government of India.

Objective and Background:

The primary objective of the Sukanya Samriddhi Yojana is to promote long-term savings for the girl child, ensuring financial security and independence. 

The scheme was launched by the Government of India in 2015, under the aegis of the Ministry of Finance. It specifically aims to address issues such as gender-based financial disparity, early marriage, and limited access to education for girls in the country.

 By providing a dedicated financial instrument, SSY encourages parents and guardians to invest in their daughters' futures, fostering a culture of financial prudence and empowerment.

Key Features of Sukanya Samriddhi Yojana:

1. Account Opening Age Limit:
The scheme allows for the opening of an SSY account for a girl child from her birth up to the age of 10 years. This ensures that families can start planning for their daughter's future well in advance.

2. Tenure and Maturity:
The account matures when the girl reaches the age of 21 years. However, partial withdrawals can be made for the purpose of higher education or marriage once the girl turns 18.

3. Minimum and Maximum Deposit:
The minimum deposit amount to open an SSY account is quite nominal, making it accessible to a wide range of income groups. On the other hand, the maximum deposit amount is capped to ensure that the scheme remains inclusive and serves its intended purpose.

4. Interest Rate:
The interest rates for Sukanya Samriddhi Yojana are revised quarterly and are generally higher than those offered by traditional savings instruments. The interest earned is compounded annually, contributing significantly to the overall maturity amount.

5. Tax Benefits:
One of the most attractive features of SSY is its eligibility for tax benefits under Section 80C of the Income Tax Act. Both the principal amount invested and the interest earned are exempt from taxation, providing an additional incentive for families to invest in their daughters' future.

6. Transferability:
The scheme is transferable across India, ensuring that families facing relocation or migration can continue to avail the benefits of SSY without any hassles.

7. Guardianship:
Parents or legal guardians can open and operate the SSY account on behalf of the girl child. This flexibility ensures that the scheme is accessible to a broad spectrum of family structures.

Steps for Availing Sukanya Samriddhi Yojana:

The process of availing Sukanya Samriddhi Yojana is designed to be straightforward, ensuring that families can easily invest in their daughters' future. Here is a step-by-step guide:

1. Eligibility Check:
Before initiating the process, ensure that the girl child for whom the account is to be opened falls within the age bracket of 0 to 10 years.

2. Visit a Designated Bank or Post Office:
SSY accounts can be opened in designated banks or post offices across the country. Visit the nearest authorized bank or post office that offers the scheme.

3. Account Opening Form:
Obtain the Sukanya Samriddhi Yojana account opening form from the bank or post office. Fill in the required details accurately.

4. Document Submission:
Submit the duly filled form along with necessary documents, including the birth certificate of the girl child, identity proof, and address proof of the parent/guardian.

5. Deposit Initial Amount:
Deposit the minimum initial amount required to open the account. The amount may vary, and it is advisable to check the latest guidelines.

6. Collect the Passbook:
Once the account is opened, a passbook is provided, similar to other savings accounts. The passbook contains all the essential details, including transactions and the current balance.

7. Regular Deposits:
Commit to making regular deposits into the SSY account, keeping in mind the minimum and maximum deposit limits. This can be done through cash, cheque, or online transfers.

8. Monitor Account:
Regularly monitor the SSY account through the passbook or online statements to stay updated on the account balance, interest earned, and overall growth.

9. Partial Withdrawals:
In case of financial requirements for higher education or marriage, the account holder can make partial withdrawals after the girl turns 18. Ensure compliance with the specified rules and conditions for withdrawals.

10. Maturity and Closure:
The account matures when the girl turns 21 years old. At this point, the accumulated amount can be withdrawn in full, providing a financial cushion for various life goals.

Conclusion:

Sukanya Samriddhi Yojana has emerged as a powerful instrument in India's journey toward gender equality and financial inclusion. 

By encouraging families to invest in the future of their daughters, the scheme not only addresses socio-economic challenges but also cultivates a culture of financial empowerment and independence.

  The step-by-step process for availing SSY isdesigned to be accessible, ensuring that families from diverse backgrounds can participate in this transformative initiative.

 As we move forward, the continued promotion and awareness of Sukanya Samriddhi Yojana will play a pivotal role in creating a brighter, more empowered future for the girl child in India.

 

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Essay on Corporate Governance Reforms for Problems and Growth in Indian Economy

Various Current Issues of Indian Economy:

Indian economy encounters various issues like unequal circulation of wide range, joblessness due to lack of proficient labor force, non-recovery of small business loan, and rupee dropping as a result of reduced export and also trade battle at the globe level. This situation has been exacerbated by the global recession and recession in the USA that has hit the industrial sector hard.

The present scenario is not sustainable. It is highly dangerous for the Indian economy. An aggressive growth strategy is needed to overcome these problems. A strategy to grow by 5-8 percent in the medium term could be effective.

Please Check and recheck data from other sources.

Low Rural Purchasing Power needs to be raised:

1. Raise the purchasing power of the peasantry. The value of agricultural produce in today's market is negligible. The minimum purchase power is Rs 10,000 per annum. In terms of rural purchasing power, the present value of this purchasing power is estimated to be about Rs 2 lakh crore. This figure needs to be raised to achieve sustainable growth by 2020. This will be done by hiking the price of vegetables, fruits, tea, wheat, and fertilizer at the world market. In addition, there is scope to introduce price regulation as a strategy. The present government has introduced new policies like Buy national Food Security Program, National Food Security Act, and National Agriculture Growth Mission.

Purchasing Power of Industrialists:

2. Raise the purchasing power of the industrialists. The minimum purchase power of industrialists is about Rs 35 lakh crore. This amount can be increased by introducing policies like the Corporate Social Responsibility Act, Income Tax Reforms, National Integration Board, and Corporate Apprenticeship Act. Also, an integrated corporate structure for maximum corporate social responsibility can be done.

Private investment to be Encouraged:

3. Encourage private investment. At present, only 20 percent of corporate profits go for R&D and about 80 percent go for buybacks. This ratio needs to be changed. One option is to move towards a market economy whereby corporate buybacks will still account for a significant proportion of corporate profits. This would also boost employment in terms of employment for those employed in corporate buyback schemes and apprenticeships. Also, corporate profits that have to be invested in buybacks should be tax-efficient.

Taxation Reform:

4. The present regime of personal income tax is progressive and has a lower rate for the higher income bracket and a higher rate for the lower income bracket. A very regressive tax regime. The rate of corporate tax is quite regressive also. An alternative will be to move towards value added tax. The income tax regime is already a bit regressive. The present government has introduced two other regressive taxes. These taxes are energy tax and carbon emissions tax. These taxes are regressive tax regimes and it should be encouraged that corporations pay these taxes through enhanced taxation.

Corporate Governance reform:

5. Some of the reforms are corporate governance reforms, environmental reforms, labor reforms, procurement reforms, and financial reforms. Integrated corporate governance can be done by the incorporation of corporate governance structures (corporate governance reforms). The corporate structures can be brought under a corporate agreement (corporate governance reforms) or a board of directors (environment).

Procurement Reform:

Corporate practices that should be encouraged are changes in the procurement regime and procurement reforms. Also, some of the procurement practices that are now carried out by corporates can be encouraged like market evaluation of selected products/services.

In the procurement reform, it is proposed to change the criteria for procurement from discretionary to mandatory, which will give more freedom to the procurement manager to choose products/services based on the market conditions. In this way, market failures can be encouraged and the consumer will be happy. Also, some of the procurement practices that are now carried out by the corporates should be encouraged such as stock management. ( procurement reform).

Labour Reform :

Corporations should be encouraged to adopt labour reform to ensure a better quality of labour. Some of the labour reforms that can be encouraged are: the creation of a new department of Labour Management and enhancement of the role of the labour commissioner.

What is Embrace Reform?

Embrace reform is to change the management practices of corporations. Also, some of the corporate practices should be encouraged. They are changes in the procurement regime, procurement reforms, and labour reforms.

With Embrace Reform the procurement manager will have more scope to choose products/services based on market conditions. Some of the procurement practices that are now carried out by the corporates can be encouraged such as stock management and appraisal of selected products/services.

Embrace reforms are to change the procurement regime. Also, some of the practices of the procurement manager can be encouraged to ensure that no waste is leftover from selected product procurement.

Corporation Reform:

Corporation reform is to change the management practices of corporations. Also, some of the practices of the corporations can be encouraged to ensure that stock management is ensured. Also, some of the procurement practices that are now carried out by the corporates can be encouraged as they will be carried out according to market requirements.

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Promoting good governance in public organisation essay in hindi

सार्वजनिक संस्थान हमेशा ही कुशासन के शक के घेरे में रहें हैं। आम लोगों का नजरिया इन संस्थानों के प्रति अति निम्न रहा है।   इसका मुख्य कारण है सार्वजनिक संस्थानों के कार्यकारी स्तर की कमी, निर्पेच्छ  शासन का आभाव , लोगों के प्रति तथा अपने काम के प्रति प्रभावहीनता  और कर्महीनता। इन संसथानो में लोग कर्म ही पूजा को भुलाकर कर्म की उपेक्षा में लग गए । आज कल तो कर्म की उपेक्षा करने के नए नए तकनीक भी प्रचलन में हैं । जब कभी भ्रष्टाचार का प्रश्न सामने आता है यह लोग अपनी ओर  न सोचकर दुसरे की ओर उंगली उठाते हैं। और यह बहुत सामान्य सी घटना हो गई है । यदि आप भारत की पूरे जनमानष से यह प्रश्न पूछेंगे तो सत प्रतिशत कोई भी भ्रष्ट और कामचोर नहीं मिलेगा ।सभी भ्रष्ट दुसरे लोग होते हैं । कठिन सवाल यह है कि यह दुसरे लोग हमी में से हैं।यही समीकरण सार्वजनिक संसथानो की लुटिया डुबाए हुए है।

अच्छा शासन अच्छे प्रबन्धन, अच्छा संपादन , अच्छे अनुबंधन और  अन्ततः अच्छे प्रतिफल को अग्रषित करता है। सार्वजनिक सस्थानो क उच्च पथ के शासकों की सबसे बड़ी कठिनाई है कि जो  निचले श्रेणी के पदाधिकारी और कार्यकारी लोग हैं वे संसथानो के उद्देश्य को कभी अपनी  जिम्मेदारी  से जुड़ने नहीं दिए। वे सभी कार्यों को सरकार नाम के झोले में डाल देते हैं । और एक वाक्य की उल्टी कर देते हैं की - क्या करें भाई सरकारी काम है। ऐसे ही होता है। ऐसा लगता है सरकार नाम ही लाचार कमजोर और भ्रष्ट हो गया है। सरकारी संस्थाएं ऐसी हो गयी हैं जहाँ नेतृत्व दिशा और नियंत्रण की कमी है। और यह धारणा बहुत आम हो चुका है।

इसका समाधान यह है की हमें सबसे पहले अपने आप को परखना पड़ेगा और अपने आप को सबसे पहले प्रोत्साहित करना पड़ेगा। प्रोत्साहन को चर्चा में रखना पड़ेगा।इस तरह के चारित्रिक उत्थान से देश के सार्वजनिक संस्थान अपनी गरिमा को बढ़ा सकेंगे। सर्वांगिक सुशासन के लिए अच्छे और सच्चे मंत्रियों का होना ही जरुरी नहीं है वरन हमें अपनी भावना और सोंच को जगाना है। अपने आप को बदलने से सबकुछ स्वयं बदल जायेगा ।

सार्वजनिक संस्थानों में अच्छे शासन की परिकल्पना तभी संभव है जब सरकारी संस्थानों के मूल सिद्यान्तों को साकार में लाया जाय ।
यह मूल सिधान्त निम्नलिखित है।
क -  अखन्डता, नैतिक मूल्यों और कानून के प्रति मजबूत प्रतिबद्धता ।
ख - अपने कार्य के प्रति लगन और देशप्रेम की भावना होनी चाहिए ।
ग- आप का कर्म उस श्रेणी का होना चाहिए कि स्वयं आम आदमी आपके काम को महशूस करे।
घ-प्रशासनिक सुधार में कोम्पुटर।ised परिदार्शिता की आवश्यकता।
च- प्रशासन को नैतिकतापूर्ण धरातल पर लाने की आवश्यकता ।
छ- प्रशासनिक अधिकारियों की पदोन्नति के  श्रेणी निर्धारण का कुछ भाग आम जनता अर्थात ग्राहक के हाथ में देना। यह अत्यधिक निर्णायक साबित हो सकता है।
ज-प्रत्येक सेवा का ऑनलाइन फीडबैक का विकल्प लाना। ताकि जो उपभोग्ता कुछ कहना चाहता हो वह सीधे सीधे ऊपरी स्तर तक अपनी बात रख पाए और अधिकारी की तारीफ़ कर पाए। ऐसा करने से कर्म की प्रधानता स्वयं बढ़ जायेगी।
***इस  दिशा में कांग्रेस पार्टी ने एक अच्छे पद्धति की सुरुआत की है ।जिसकी मै जितना भी तारीफ़ करूँ कम है।
यह है pgportal.gov.in । दर्शकों से मेरा अनुरोध है इस website का उपयोग करें। किसी विभाग के top level में पहुँचने का यह सबसे सहज माध्यम है। मैंने इसका प्रयोग करके अपनी दो बड़ी समस्याओं को सुलझाया है। और नीचे के कर्मचारी की होश ठिकाने लगाया है।
यदि आप कुछ कहना चाहते हैं तप नीचे लिखें। यदि आप pgportal का प्रयोग किए हैं तो इस website पर share करें।
धन्यवाद।।

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Private School vs Government School Essay

Private school vs government school is one of the highest concern for the people of India and particularly proper regulation and monitoring of private and government schools are the big issue.

The topic needs not to define in more detail, because the title of this is sending all message regarding  the content which is needed to be explained here. Everybody, community and even the system is trying to do needful for the regulation of the private and government schools. 

It is quite tough to generalize strength and weakness of Private and Government schools because it depends on a particular school , how it deals with the students and in the system. However in recent time many distinct positive and negative differences have been noticed from both type of the schools.

First of all I will throw the focus on the strength and weakness of these two model of the schooling system. 

Secondly here the precaution and measures to be taken ; will be dealt.  And lastly conclusion will be written. 

Characteristics and quality of Private schools (Strength): Main noticeable quality of the private schools are that these schools have top class management and they compete for maintaining its qualities for keeping them ahead in the business. Time , discipline, punctuality, security etc are maintained at a greater level. Teacher to students ratio is less in these schools thereby providing very comfortable learning environment. Private schools have better safety records. Their examination, leaves and other all activities  and periodical test are well programmed from very beginning. They usually organises teachers parents meeting to discuss about the strength and weakness of the students and other good or bad practices of the students to check these at certain intervals of the session year.

Drawbacks of Private schools(weakness): 
A very noticeable point is that private schools are expensive and they commercialised  everything keeping aside all ethical values of education system. These schools inject unnecessary books in the syllabus. Also these schools organise unnecessary programmes thereby putting unnecessary pressure on pockets. The good qualities of these schools are butchered on the financial platform despite killing all traditional values of the educational system. Once upon a time students were hiding their face from teachers outside at wrong places for respecting  teachers. And if they had caught they would do Namaskar by leaning on the teacher's feet. 

The large bags filled with maximum books and note books , put more physical pressure particularly at lower classes on the students. This is one of the highest drawbacks of the private schools. 

This is my perception that few private schools recruit few low quality teachers on low salary and these teachers have high quality getup to impress physically to the exterior world.  I don't mean here that all the teachers are like these. 

Characteristics and quality of Government School (Strength): These schools are blessed with highly talented teachers ; who joined after competing bigger competition. The talent can not be beaten or dominated by anything. It is the God gift. The potential of these teachers are extremely recognisable. These schools have national and international recognition because these are under government regulatory.  It is because of their job security. Many of them lacks in ethics of performing their duty for what they are paid sufficient salary
Drawbacks of Government schools(weakness): 
Despite many remarkable qualities it has been noticed that many government teachers seldom discharge their knowledge in the classroom. Teaching track records of these schools are very poor. These schools lack in discipline. They doesn't exhibit performance as per the expectation of the parents.  

Note:Two types of students are developing in Indian society. One is from private schools and another from government school. Thus youngster are getting divided in two part economically. This injects discrimination in the educated youth. It is being listened many times  that higher society students teas lower society by saying -- "these  are the bestial boys, they doesn't know manner, culture etc etc". 

Precaution and Measures:

Schools are the temple of education and most of all it produces nation's future. So it must needs better regulation and monitoring. Very important part of these schools must be to injects strong human values in the students e.g. honesty, goodwill, honor, holistic living, integrity, loyalty, obedience, patriotism, discipline, non-violence, peace, justice and punctuality . Many evils of the society evolve from human body e.g. corruption and many social evils. So it is the human being himself which can strongly check himself from doing wrongs. Police and force can not be deployed behind everybody for checking wrong doings. 

There must be a strong regulation for both private and government schools. Bad practices of the private schools must be checked and the government school system must be interlocked financially to get good individual performance.

Conclusion: Here I want to convey one message that we must chart a bright students future to do our best from our side to create , support and nurture goodness so that an efficient schooling system may be restored. We need to convince the schools that our demand is this. If the schools are ignoring then we must unite to form an Association to realign the systems of the schools. It is we who are the customer for our children. And the system must be customer based to satisfy the good carrier of the students  so that ideal students may come out from the schools to serve humanity, economy and prosperity. 

By Akbar Ali: This topic is very interesting. I guaranty you for full contentment and innovative focus which is the core value of this essay.--MUST READ and COMMENT BELOW!!

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