12 Years of the Modi Government: The 12 Major Schemes That Transformed the Lives of Millions of Ordinary People..
Major Schemes of the Modi Government: When Narendra Modi took the oath as the country's Prime Minister in May 2014, Indian politics was entering a phase of significant transformation. Today, in 2026, the Modi government has completed 12 years in office. Over these years, the government has not merely confined itself to the exercise of power; rather, through various schemes and technological interventions, it has worked to fundamentally alter the country's entire landscape. The defining hallmark of the Modi government is considered to be those schemes that have had a direct impact on the lives of the common people. From rural kitchens to urban hospitals, and from bank accounts to digital payments, these initiatives have significantly strengthened the mechanisms of 'Last-Mile Delivery' and 'Direct Benefit Transfer.'
1. Jan Dhan Yojana: Taking Banking to Every Village
Launched in 2014, the Pradhan Mantri Jan Dhan Yojana is regarded as one of the country's most pivotal financial inclusion schemes. Through this initiative, zero-balance bank accounts were opened for tens of millions of people. The most significant benefit of this scheme was that funds allocated for government welfare programs began reaching people's accounts directly. During the COVID-19 pandemic, this scheme played a crucial role in delivering financial assistance to women and impoverished families.
2. Ujjwala Yojana: Relief from Smoke
The Pradhan Mantri Ujjwala Yojana has been instrumental in transforming the lives of rural women. Previously, women were compelled to cook amidst the smoke generated by burning firewood and cow-dung cakes; however, under this scheme, free LPG connections were provided. This led to improvements in women's health and enhanced hygiene within households. The scheme has emerged as a shining example of women's empowerment.
3. Ayushman Bharat: Healthcare Security for the Poor
The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana ranks among the largest health insurance schemes in the world. Through this initiative, impoverished families are entitled to free medical treatment worth up to ₹5 lakh annually. This scheme has successfully shielded millions of families from the burden of exorbitant medical expenses and the trap of debt. It has proven to be a source of immense relief for the poor in cases involving critical conditions such as cancer, heart ailments, and major surgeries.
4. Swachh Bharat Mission: Toilets That Changed Mindsets
Launched on October 2, 2014, the Swachh Bharat Mission evolved from being a mere cleanliness drive into a full-fledged social reform movement. Millions of toilets were constructed across the length and breadth of the country. This enhanced the safety and dignity of women and led to a significant reduction in the problem of open defecation.
5. Jal Jeevan Mission: The Dream of a Tap in Every Home
Launched in 2019, the objective of the Jal Jeevan Mission was to provide piped, clean drinking water to villages. Under this scheme, tap water connections were extended to millions of rural households. This reduced the physical burden on women and led to a decline in waterborne diseases caused by contaminated water.
6. Mudra Yojana: Empowering Small Businesses
Through the Pradhan Mantri Mudra Yojana, small traders and the youth were provided with collateral-free loans. Businesses such as tea stalls, boutiques, mobile repair shops, and other small-scale enterprises received substantial support from this initiative. This scheme helped transform the youth from job seekers into job creators.
7. Startup India: Giving Wings to the Youth
Launched in 2016, 'Startup India' gave a new identity to entrepreneurship within the country. The government implemented measures such as tax exemptions, simplified registration processes, and funding support. Thanks to these efforts, India has today emerged as the world's third-largest startup ecosystem.
8. PM Awas Yojana: A Permanent Home for the Poor
With the assistance of the Pradhan Mantri Awas Yojana, millions of impoverished families have received permanent homes. A significant highlight of this initiative is that many of these homes were allotted in the names of women, thereby granting them enhanced social dignity.
9. Digital India: Government Services at Your Fingertips
Digital India has brought about a transformative shift in government services and payment systems. UPI has propelled India into the league of the world's leading nations in terms of digital payments. Today, everyone—from small shopkeepers to large shopping malls—accepts payments via QR codes. Furthermore, DigiLocker and various other online services have played a pivotal role in making government operations simpler, faster, and more transparent.
10. PM Kisan Samman Nidhi: Direct Assistance to Farmers
Through the Pradhan Mantri Kisan Samman Nidhi, an amount of ₹6,000 is directly deposited into farmers' bank accounts every year. This initiative provides crucial financial support to small-scale farmers.
11. Make in India and PLI: Emphasis on Employment and Production
The manufacturing sector in India has received a significant boost through the 'Make in India' initiative and the Production Linked Incentive (PLI) scheme. These initiatives have attracted substantial investments into the mobile, electronics, and pharmaceutical sectors, leading to an expansion in employment opportunities. India has now emerged as one of the world's major mobile manufacturing hubs.
12. PM SVANidhi Yojana: A Lifeline for Small Vendors
Launched in the wake of the COVID-19 pandemic, the PM SVANidhi Yojana has assisted street vendors and small shopkeepers in restarting their businesses by providing them with collateral-free loans.
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