Relevance for Banking, SSC & RBI Grade B exams: Economy/Governance
The **Swamitva Scheme**, launched by the Ministry of Panchayati Raj, leverages **drone-based land surveys and digitalization of property records** to map rural inhabited areas with high precision using **Continuously Operating Reference Station (CORS) technology**. This initiative aims to provide property owners with clear land records, reducing disputes by delineating boundaries accurately. The scheme mandates **terrestrial verification and resolution of objections** before issuing property cards, ensuring transparency and fairness in land demarcation. As of July 2026, **3.30 lakh villages** have completed drone surveys, and **3.24 crore property cards** have been issued across **1.97 lakh villages**, enhancing legal clarity for landowners.
The scheme’s impact on financial inclusion and governance is significant, as highlighted by an **IIM Ahmedabad study**. Property cards issued under Swamitva have facilitated **higher bank loan disbursements** due to verifiable land records, while **gram panchayats** have seen increased revenue from property and other taxes. This digital transformation strengthens rural property rights, supports credit access for farmers, and boosts local governance through transparent land records. For banking aspirants, the scheme underscores the role of **digital land records in collateral-based lending**, while for SSC and RBI Grade B exams, it reflects **governance reforms in rural economy and dispute resolution**.
Source: PIB (Press Information Bureau)
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