Key Concepts & Formulas

Provide 5-7 essential concepts for Government Schemes:

10 Practice MCQs

Q1. What is the annual financial assistance provided under PM-KISAN scheme? A) ₹4,000 B) ₹6,000 C) ₹8,000 D) ₹10,000

Answer: B) ₹6,000

Solution: PM-KISAN provides ₹6,000 per year to eligible farmer families

• Distributed in 3 equal installments of ₹2,000 each
• Timeline: December-April-August cycle
• Total annual amount = ₹2,000 × 3 = ₹6,000

Shortcut: Remember “KISAN-6” - KISAN scheme gives ₹6,000

Concept: Government Schemes - Agriculture support schemes

Q2. What is the maximum health insurance coverage under Ayushman Bharat PM-JAY? A) ₹3 lakh B) ₹5 lakh C) ₹7 lakh D) ₹10 lakh

Answer: B) ₹5 lakh

Solution: Ayushman Bharat PM-JAY provides:

• Health coverage of ₹5 lakh per family per year
• Covers secondary and tertiary hospitalization
• Benefits 10.74 crore poor families (bottom 40% of population)

Shortcut: “AB-5” - Ayushman Bharat gives ₹5 lakh

Concept: Government Schemes - Healthcare initiatives

Q3. Under UDAN scheme, what is the maximum fare cap per hour of flight? A) ₹1,500 B) ₹2,500 C) ₹3,500 D) ₹4,500

Answer: B) ₹2,500

Solution: UDAN (Ude Desh ka Aam Nagrik) features:

• Fare cap of ₹2,500 per hour for 500-600 km routes
• Objective: Make air travel affordable for common people
• Viability gap funding provided to airlines

Shortcut: “UDAN-2500” - UDAN caps fare at ₹2,500/hour

Concept: Government Schemes - Infrastructure & connectivity

Q4. A railway employee’s family income is ₹8 lakh/year. Which housing scheme can they apply for? A) PMAY-U EWS B) PMAY-U LIG C) PMAY-U MIG-I D) Not eligible

Answer: C) PMAY-U MIG-I

Solution: PMAY-U income criteria:

• EWS: Up to ₹3 lakh/year
• LIG: ₹3-6 lakh/year
• MIG-I: ₹6-12 lakh/year
• MIG-II: ₹12-18 lakh/year

Since income is ₹8 lakh (between 6-12 lakh), eligible for MIG-I

Shortcut: MIG-I = Middle Income Group 1 (₹6-12 lakh bracket)

Concept: Government Schemes - Housing categories based on income

Q5. A train covers 450 km in 5 hours. If UDAN scheme is applied, what would be the approximate fare? A) ₹2,000 B) ₹2,500 C) ₹3,750 D) ₹5,000

Answer: C) ₹3,750

Solution: UDAN fare calculation:

• Speed = 450km/5hrs = 90 km/hr
• UDAN caps at ₹2,500/hour for 500-600 km routes
• For 5 hours: ₹2,500 × 5 = ₹12,500
• But route is 450km (<500km), so higher rate applies
• Approximate fare: ₹3,750 (₹750/hour equivalent)

Shortcut: For <500km routes, multiply hours by ₹750-1000

Concept: Government Schemes - UDAN fare calculation

Q6. Under PM Mudra Yojana, a railway vendor needs ₹3 lakh loan. Which category applies? A) Shishu B) Kishore C) Tarun D) Not eligible

Answer: B) Kishore

Solution: PM Mudra Yojana categories:

• Shishu: Up to ₹50,000
• Kishore: ₹50,001 to ₹5,00,000
• Tarun: ₹5,00,001 to ₹10,00,000

₹3 lakh falls in Kishore category (₹50k-5lakh)

Shortcut: Kishore = “K” for “K"rore (₹50k to ₹5 lakh)

Concept: Government Schemes - Loan categories

Q7. If 100 railway stations achieved ODF status under Swachh Bharat, and each station has 200 daily passengers, how many people benefited daily? A) 2,000 B) 10,000 C) 20,000 D) 50,000

Answer: C) 20,000

Solution: Total beneficiaries calculation:

• Number of ODF stations = 100
• Passengers per station = 200 daily
• Total beneficiaries = 100 × 200 = 20,000 people daily

Shortcut: Multiply stations × average passengers

Concept: Government Schemes - Swachh Bharat impact calculation

Q8. A railway colony with 500 families has 40% EWS families. How many PMAY houses are needed? A) 100 B) 150 C) 200 D) 250

Answer: C) 200

Solution: PMAY requirement calculation:

• Total families = 500
• EWS percentage = 40%
• EWS families = 500 × 0.40 = 200 families
• Assuming all EWS families need houses: 200 PMAY houses required

Shortcut: 40% of 500 = 200 (4×50)

Concept: Government Schemes - Housing demand calculation

Q9. If a train journey costs ₹2,400 for 400 km, and UDAN offers same route for ₹3,000 (₹2,500/hour cap), which is economical? A) Train always B) Flight always C) Depends on time D) Both equal

Answer: C) Depends on time

Solution: Comparison analysis:

• Train: ₹2,400 for 400km
• Flight: ₹3,000 but time-dependent
• If flight takes 1 hour: ₹2,500 (capped)
• If flight takes 1.2 hours: ₹3,000 (₹2,500×1.2)
• Time saving vs cost difference needs evaluation

Shortcut: Compare ₹/hour saved vs ₹/hour earned

Concept: Government Schemes - Cost-benefit analysis

Q10. Under PM-KISAN, if 2 crore railway track-side farmers are eligible, what’s total annual outlay? A) ₹6,000 cr B) ₹12,000 cr C) ₹18,000 cr D) ₹24,000 cr

Answer: B) ₹12,000 cr

Solution: Total outlay calculation:

• Eligible farmers = 2 crore
• Amount per farmer = ₹6,000/year
• Total outlay = 2 crore × ₹6,000 = ₹12,000 crore
• This equals ₹1,000 crore/month or ₹333 crore/installment

Shortcut: 2 crore × 6 thousand = 12 thousand crore

Concept: Government Schemes - Budget allocation calculation

5 Previous Year Questions

PYQ 1. What is the full form of PM-KISAN scheme? [RRB NTPC 2021 CBT-1]

Answer: Pradhan Mantri Kisan Samman Nidhi

Solution: PM-KISAN stands for Pradhan Mantri Kisan Samman Nidhi, launched in February 2019 to provide income support of ₹6,000 per year to farmer families.

Exam Tip: Remember “KISAN” = Kisan Samman Nidhi; always appears in agriculture-related questions

PYQ 2. How many installments are provided annually under PM-KISAN scheme? [RRB Group D 2022]

Answer: 3 installments

Solution: PM-KISAN provides ₹6,000 annually in 3 equal installments of ₹2,000 each, typically in April-August-December cycle.

Exam Tip: Remember “3-2-6” pattern: 3 installments of ₹2,000 = ₹6,000 total

PYQ 3. What is the maximum loan amount under PM Mudra Yojana? [RRB ALP 2018]

Answer: ₹10 lakh

Solution: PM Mudra Yojana provides loans up to ₹10 lakh to non-farm micro-enterprises in 3 categories: Shishu (₹50k), Kishore (₹50k-5lakh), Tarun (₹5-10lakh).

Exam Tip: Remember “Mudra-10” - maximum ₹10 lakh under Tarun category

PYQ 4. Which ministry implements Ayushman Bharat PM-JAY? [RRB JE 2019]

Answer: Ministry of Health and Family Welfare

Solution: Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is implemented by Ministry of Health and Family Welfare, launched in September 2018.

Exam Tip: Health schemes = Health Ministry; always check implementing ministry for scheme questions

PYQ 5. What is the target year for achieving ‘Housing for All’ under PMAY? [RPF SI 2019]

Answer: 2022

Solution: Pradhan Mantri Awas Yojana (PMAY) was launched in 2015 with target to achieve “Housing for All” by 2022, including 1.2 crore urban and 2.95 crore rural houses.

Exam Tip: Remember “PMAY-2022” - Housing for All by 2022

Speed Tricks & Shortcuts

Common Mistakes to Avoid

Quick Revision Flashcards

Topic Connections

How Government Schemes connects to other RRB exam topics:

• Direct Link: Current Affairs - schemes frequently updated with new allocations in budgets
• Combined Questions: Often asked with Economics (budget allocation), Geography (regional implementation), Polity (implementing ministries)
• Foundation For: Advanced policy analysis questions in Group D and NTPC mains exams